[Everyone] Urgent! Possible loss of our Association's common areas insurance coverage.

Mon Jan 25 00:10:45 UTC 2021

Hi Sara,

Are they usually done by separate companies?

On Sun, Jan 24, 2021 at 6:54 PM Sara Crews <sara408 at comcast.net> wrote:

> Misty, please concentrate on metal handrail companies as Vincent is
> working to get quotes from fencing companies.
>
> Sent from Xfinity Connect App
>
>
>
> ------ Original Message ------
>
> From: mitsy
> To: Sara Crews
> Cc: Residents, Jordan Sharon
> Sent: January 23, 2021 at 2:39 PM
> Subject: Re: [Everyone] Urgent! Possible loss of our Association's common
> areas insurance coverage.
>
> Hi Sara and all,
>
> I've sent emails to several fencing companies I found on the net. I'll let
> you know if I hear back from them.
>
> Mitsy
>
> On Fri, Jan 22, 2021 at 7:10 PM Sara Crews <sara408 at comcast.net> wrote:
>
>> That’s wonderful, Jordan.  Thank you.
>> Sara
>>
>> Sent from Xfinity Connect App
>>
>>
>>
>> ------ Original Message ------
>>
>> From: Jordan Sharon via Everyone
>> To: mitsy12 at gmail.com, Residents
>> Cc: Jordan Sharon
>> Sent: January 22, 2021 at 6:40 PM
>> Subject: Re: [Everyone] Urgent! Possible loss of our Association's common
>> areas insurance coverage.
>>
>> Hi All!
>>
>> I’ve just been able to catch up on all of this. First off, I’d like to
>> say I’m very I’m happy to be your neighbor! I think we live in a beautiful
>> little community, and keeping it that way obviously requires some teamwork.
>> I’d like you all to know I am here to help in anyway I can. I have been
>> working remotely with some pretty nutty hours, but as of next week my
>> schedule frees up, so please let me know how I can be of service.
>>
>> Thanks!
>> Jordan
>>
>>
>>
>> --
>> Jordan Sharon
>> jsharona at gmail.com
>> 323.680.6177
>>
>> On Jan 22, 2021, at 3:42 PM, mitsy via Everyone <
>> everyone at chelseaplacedecatur.com> wrote:
>>
>> Do they need to be done by specialized railing companies or some handyman
>> can do this? I can try to research this weekend. Do you have any
>> information on who did this work in the past?
>>
>> Mitsy
>>
>> On Fri, Jan 22, 2021 at 2:25 PM Sara Crews via Everyone <
>> everyone at chelseaplacedecatur.com> wrote:
>>
>>> Misty, will you be willing to contact several metal railing companies to
>>> see if they will come out to give us a quote (see insurance notations re.
>>> location)?
>>>
>>> Sara
>>>
>>>
>>> Sent from Xfinity Connect Application
>>>
>>>
>>> -----Original Message-----
>>>
>>> From: everyone at chelseaplacedecatur.com
>>> To: everyone at chelseaplacedecatur.com
>>> Cc: mitsy12 at gmail.com
>>> Sent: 2021-01-21 4:57:23 PM
>>> Subject: Re: [Everyone] Urgent! Possible loss of our Association's
>>> common areas insurance coverage.
>>>
>>> I don't know anything about HOA insurance etc. and I'd be hesitant to
>>> take on this very important task.... I'm sorry. I'd be happy to help with
>>> something else though.
>>>
>>> Mitsy
>>>
>>> On Thu, Jan 21, 2021 at 3:26 PM David Weiner via Everyone <
>>> everyone at chelseaplacedecatur.com> wrote:
>>>
>>>> I'd also like to give a big thanks to those that are stepping up.
>>>> We're shorthanded at work, so I don't have a lot of free time, and what
>>>> free time I do have is being eaten up dealing with my recent family issues.
>>>>
>>>> Dave
>>>>
>>>> On Thu, Jan 21, 2021 at 3:16 PM Rosamond via Everyone <
>>>> everyone at chelseaplacedecatur.com> wrote:
>>>>
>>>>> Dear Mitsy and others with the excellent suggestion to get bids from
>>>>> other insurers:
>>>>>  would you please follow through and do this?  It would be very
>>>>> helpful.  Several folks have already agreed to take on sizable tasks to
>>>>> meet this challenge.  If a couple of you could tackle this, I know everyone
>>>>> would be glad and eager for this information. We need and want  everyone’s
>>>>> help.
>>>>> Rosamond
>>>>>
>>>>> Sent from my iPhone
>>>>>
>>>>> On Jan 21, 2021, at 3:06 PM, mitsy via Everyone <
>>>>> everyone at chelseaplacedecatur.com> wrote:
>>>>>
>>>>> 
>>>>> I'd like to add another vote for looking into another insurance
>>>>> company as Dave suggested.
>>>>>
>>>>> Thank you,
>>>>>
>>>>> Mitsy (338)
>>>>>
>>>>> On Thu, Jan 21, 2021 at 3:00 PM Sara Crews via Everyone <
>>>>> everyone at chelseaplacedecatur.com> wrote:
>>>>>
>>>>>> Thank you for the clarification, Dave.
>>>>>>
>>>>>> Sara
>>>>>>
>>>>>> On 01/20/2021 6:03 PM David Weiner via Everyone <
>>>>>> everyone at chelseaplacedecatur.com> wrote:
>>>>>>
>>>>>>
>>>>>> Mark and Sara,
>>>>>>
>>>>>> Despite the notice being dated 7/30/2020, Cristy did not send the
>>>>>> letter to us until 11/13/2020 (I double checked my emails).  In her email
>>>>>> of 11/13, she made no apology for the delay, nor did she say the repairs
>>>>>> were required for renewal.  In fact, it wasn't until Jan 4, 2021 that she
>>>>>> informed me that the insurance company would want an update before the
>>>>>> renewal. Mark then reached out to her for additional clarification, which
>>>>>> is when we were informed that we needed to complete the repairs before
>>>>>> renewal. For the record, the next email I got after this one was the
>>>>>> renewal quote.  Back in June, Sarah Collins and I were discussing the
>>>>>> insurance company, and she said to me in an email "I have not been overly
>>>>>> pleased with the agency in terms of communication/customer service."
>>>>>> Perhaps we may want to check into other insurance carriers.
>>>>>>
>>>>>> Dave
>>>>>>
>>>>>> On Wed, Jan 20, 2021 at 3:57 PM Mark Bussey via Everyone <
>>>>>> everyone at chelseaplacedecatur.com> wrote:
>>>>>>
>>>>>> To Everyone:
>>>>>>
>>>>>>     I spoke with Christy of Dreher Insurance Agency this morning.
>>>>>> She is our insurance agent for Chelsea Place Association's policy of
>>>>>> coverage with CAU for our common areas, (such as the stream-bed, the
>>>>>> driveway, some walkways, etc).  On July 30, 2020 the Association was sent a
>>>>>> letter, (attached), from risk management at CAU advising us that we needed
>>>>>> to make certain "repairs" to the property to reduce our liability exposure:
>>>>>> repairs for which they requested a "response," (ie. the repairs), by
>>>>>> September 30, 2020.  To my best knowledge we have not made any of these
>>>>>> repairs yet.  Because of this letter we are now on notice of
>>>>>> particular 'defects" to our property if someone comes onto our common areas
>>>>>> and is hurt. Christy advised me that we *must* make the
>>>>>> repairs/adjustments listed in the letter by our insurance renewal date,
>>>>>> (which I believe is February 16, 2021), *or CAU will not renew our
>>>>>> coverage* and we will then all be financially exposed if someone is
>>>>>> injured on our common property.  I asked if it would be sufficient to CAU
>>>>>> if we had some of the repairs underway by our renewal date and she said
>>>>>> that she wasn't sure, that she could not speak for CAU Underwriting.  Her
>>>>>> words were that "they may or may not give you an extension of time to make
>>>>>> the repairs" even if they are underway by February 16, 2021.
>>>>>>     Of course each of us has, or should have, a separate policy of
>>>>>> insurance coverage for our private town-homes and our small, attached land
>>>>>> areas.  You may or may not be covered by that personal policy for any
>>>>>> claims arising our of an injury on the Association property/common areas:
>>>>>> that is something you will need to discuss or negotiate with your own
>>>>>> property carrier and hope they follow through if/when you need them.
>>>>>>     My first question is to Dave: have you, or to your knowledge
>>>>>> anyone else, taken any or some action to address the "fixes"required by CAU
>>>>>> in the July letter, and if so, please let us all know the status of that by
>>>>>> tomorrow morning.  *If not, we all need to move on this immediately
>>>>>> or we will lose our common area insurance coverage*.
>>>>>>
>>>>>>
>>>>>> Mark
>>>>>>
>>>>>>
>>>>>>
>>>>>>
>>>>>>
>>>>>>
>>>>>>
>>>>>>
>>>>>>
>>>>>>
>>>>>>
>>>>>>
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>>>>>>
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>>>>>>
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