Nestled in the tranquil River Ridge Estates lies a stunning estate that perfectly marries luxury with the great outdoors.
BY CHRIS McINTOSH
For over 30 years, Aiello Landscape has been dedicated to crafting and maintaining stunning green spaces that enhance the aesthetic of their clients’ properties.
Artificial Turf
BY JIM FIELD
Today’s artificial turf--the product of decades of development—is an attractive and functional alternative to natural grass.
been thoughtfully curated
Ba Stone
Bob Gibb Owner/Broker
Jeannette Mahaney Judy Bramson
Luke Webb
Kristen Yoshitani
Cheryl Sangbush
Rennie Gibb
Rachel Hickman
editors’ letter
Creating Home
Welcome to November and our Outdoor Living Issue
Fall is in the air! We’ve definitely transitioned away from our hot, humid, often rainy, yet still amazing summer days. To the north, fall begins an extended period of living indoors. After raking leaves and preparing gardens for frost and freeze, outdoor furniture and grills are covered, cushions stored away, and cold weather clothing and footwear assembled, ordered, cleaned, and closeted.
Here it’s exactly the opposite. Fall and winter weather draws us outside to luxuriate in a mild tropical climate. Towels for dabbing sweaty foreheads are replaced by cloth napkins for al fresco dining. Sunprotective clothing is replaced by fleeces to ward off chilly evenings.
The change in seasons marks a time when air conditioning is turned off and doors and windows opened wide to the elements— screens be damned. Our homes now extend
beyond four walls to encompass all of nature, increasing living space square footage to . . . well, infinity.
This issue overflows with great content and gorgeous photographs to assist your mental and physical transition. Exceptional hardscapes, pools and spas, kitchens, artificial turf, furniture. This month’s coverage exemplifies the wonders of outdoor living well done, and ideally will spur creative thinking and practical ideas for those planning installations and purchases.
Elsewhere, we’re launching our coverage of home electronics. Similar to the cars we drive—effectively computers on wheels— our homes are able to be managed digitally, and even remotely, with a single system integrating an array of functions—sound, video, lighting, HVAC, security, and more. It’s fair to say that advanced electronics are now an integral element of modern home décor.
We conclude our four-part series on working with a contractor for new
construction or renovation, featuring insights and guidance on successfully managing a cost-plus contract. This contract type is complicated to execute in a way to fully protect a homeowner’s financial interests. Best practices should prove illuminating.
Apropos to Hurricanes Helene and Milton, our Real Estate Insights section continues the discussion of managing risks from a homeowner’s perspective, this time from storm flooding. The single takeaway message from this story is that the Florida flood insurance market is teed up to undergo profound changes, which all of us should know about.
Finally, we extend thoughts, prayers, and best wishes to all in Vero Beach and surrounding areas who were harshly impacted by nature’s onslaught. I think we were all shocked by the prevalence of preceding tornados, and will never again treat broadcast tornado warnings the same. May we all come together as one to heal our cherished community.
Areas around pools and patios are equally tricky: wet natural grass can become weak and muddy, with soiled feet tracking debris into the pool and home. See the amazing work done by Complete Synthetic Turf. STORY PAGE 49.
Local experience, clear communication, and accurate estimating – all qualities our client looked for when hiring their builder. They found that and more with Darling Construction. Renowned for building with an emphasis on quality, integrity and personalized service, our grateful team is passionate about exceeding your expectations. Conveniently located on Vero Beach's barrier island, simply call us... and rest easy knowing your home is Darling built.
SUBSCRIPTIONS 10 issues: $45. Subscribe online at livvero.com
No subscription information is shared with external parties.
POSTMASTER
SEND ADDRESS CHANGES TO: Orchid Island Publishing Group 3320 Cardinal Dr., Suite 648175
Vero Beach, FL 32963
BE HEARD
We want to know what you think and how we can serve you better. Send your comments to Co-Editor Jim Field at jim@livvero.com.
LOCALLY OWNED & OPERATED
LIV VERO
determine qualifications. Annual subscriptions: U.S. and possessions $45, all other countries $125 U.S. funds (via air mail). Single copies: U.S. and possessions $5. No part of this publication may be reproduced without the written consent of the publisher. The publisher does not warrant, either expressly or by implication, the factual accuracy of any advertisements, articles or descriptions herein, nor does the publisher warrant the validity of any views or opinions offered by the authors of said articles or descriptions. The opinions expressed are those of the individual authors, and do not necessarily represent the opinions of Orchid Island Publishing Group. Orchid Island Publishing Group makes no representation or warranties regarding the accuracy or appropriateness of the advice or any advertisements contained in this magazine. SUBMISSIONS: We welcome submissions. Unless otherwise negotiated in writing by the editors, by sending us your submission, you grant Orchid Island Publishing Group permission by an irrevocable license (with the right to license to third parties) to edit, reproduce, distribute, publish, and adapt your submission in any medium on multiple occasions. Submissions will not be returned. Volume 1, Issue 4
DESIGN, FURNISHINGS, LIGHTING
BRINGING THE
BY CHRISTOPHER MCINTOSH
THE ALLURE OF FOLDING GLASS WALLS
PHOTOS BY ARIC ATTAS {CREATIVE}
Architecture: Hoos Architecture
Interior Design: Dumais, Inc.
Home Builder: Huryn Construction
In the realm of modern architecture and design, the fusion of indoor and outdoor living has become a defining trend. Among the leading innovations facilitating this seamless transition are folding or collapsible walls—an elegant solution that blurs the lines between nature and home. These stunning bi-fold doors not only enhance the aesthetic appeal of a space but also transform how we interact with our environment.
A SYMPHONY OF GLASS AND NATURE
Imagine a serene morning where the sun gently streams through expansive panes of glass, creating a bright, airy atmosphere. With the simple pull of a handle, the wall of glass folds away, opening up the interior to the lush greenery of the garden beyond. This is not just a dream scenario; it’s a growing reality for homeowners and designers who embrace folding glass walls.
Folding glass walls, often referred to as bi-fold or accordion doors, have gained immense popularity in recent years. These versatile installations allow entire walls to be opened up to the outside, creating an uninterrupted flow between indoor and outdoor spaces. LOCALLY — LET’S LOOK AT A VACATION HOME IN WINDSOR.
Architect Tom Hoos, who previously collaborated with the owners on three homes, teamed up again with Manhattan designer Kevin Dumais, with whom the couple had worked on multiple projects, including their main residence in Nashville. So, when they embarked on their latest venture—a vacation home in Windsor—they turned to this talented duo once more to bring their modern vision to life.
The design had to adhere to strict codes, but the new home and guesthouse were designed around a private courtyard, allowing for a contemporary aesthetic. The great room features expansive floor-to-ceiling sliding glass walls that open to a spacious indoor-outdoor area next to the pool. Additionally, there’s a grand covered veranda off the second-floor master suite. “We aimed for a seamless transition to the outdoors,” Hoos explains.
“The exterior paving closely mirrors the poured-concrete flooring inside, and the ceiling extends outward, with only a drapery pocket providing a subtle interruption.”
The concrete patio even extends into the water with “floating” pavers, providing a spot to sit and dip one’s feet while also forming a reflecting pool at the shallow end. Almost every ground-floor room opens directly to the
pool, including the impressive two-story entry foyer, which boasts floor-to-ceiling doors that link the front of the home to the L-shaped courtyard. The foyer acts as a connector between the single-story library on one side and the two-story main living areas on the other. “We designed the foyer as an open pavilion to foster an indooroutdoor feel that unites both the singleand two-story sections,” Hoos adds.
AESTHETIC APPEAL AND PRACTICAL BENEFITS
One of the primary attractions of folding glass walls is their aesthetic appeal. They create a sense of spaciousness and openness that traditional walls simply cannot match. The sleek lines and modern designs of these doors complement various architectural styles, from contemporary to rustic. Homeowners can choose from a variety of finishes, colors, and materials, allowing them to customize their spaces while maintaining a cohesive design. In addition to their beauty, folding glass walls provide practical benefits. They enhance ventilation and can improve energy efficiency by allowing for natural airflow. During warmer months, opening the wall can create a refreshing cross-breeze, reducing reliance on air conditioning. In colder months, many bi-fold doors come with advanced insulation features, ensuring that homes remain energy-efficient year-round.
“We wanted to create a seamless transition to the outside, so the exterior paving is very similar to the poured-concrete flooring found inside.”
—Thomas Hoos
CONNECTING WITH NATURE
The emotional impact of folding glass walls/doors is significant. Humans have an innate connection to nature, and bringing the outdoors in can enhance our well-being. Studies show that exposure to natural light and greenery can reduce stress, boost mood, and even improve productivity. Folding glass walls help foster this connection, transforming how we experience our surroundings.
DESIGN VERSATILITY
Another significant advantage of folding glass walls is their design versatility. Architects and designers are increasingly incorporating these structures into their projects, using them to create unique spaces that adapt to the needs of their occupants. For example, a living room can seamlessly transition into an outdoor patio,
making it ideal for entertaining guests. Moreover, folding glass walls can be configured in various ways, depending on the specific needs of a space. They can be designed to open inward or outward, slide to one side, or fold in the middle, providing flexibility in how they are used. This adaptability makes them suitable for residential homes, commercial properties, and even public spaces like museums and galleries.
A NEW ERA OF LIVING
Folding glass walls represent more than just a design trend; they signify a shift towards a more integrated way of living. As we navigate an increasingly urbanized world, the desire to connect with nature and create harmonious living spaces is more crucial than ever. By bringing the outdoors in, folding glass walls offer a solution that enhances both our homes and our well-being.
Whether you’re redesigning your home or embarking on a new build, consider the allure of folding glass walls. They not only serve as a stunning architectural feature but also invite the beauty of nature into our everyday lives, enriching our experiences and fostering a deeper connection to the world around us. As we continue to explore the boundaries of design, it’s clear that the future of living is, quite literally, wide open.
LIV VERO!
The great room can be opened to create a true indooroutdoor experience with a garden courtyard on one side and a covered poolside living area on the other.
GUEST DESIGNER
DEB DALY, OWNER
The design philosophy of Decorative Arts is that there are no rules. Decorative Arts is a full service design firm for new construction, renovations and furnishings, including custom upholstery pieces and window treatments. Bonus! We have a store front in downtown Vero Beach which allows our design and store clients to come play in our showroom.
“Throughout my 23+ years in the industry, I have primarily catered to the Vero Beach clientele while also having the pleasure of designing for clients in various locations, including the Caribbean, Virginia, New York, and several other cities.” - Deb Daly
My client for this John’s Island project was inspired by her recent travel to Paris. When we started the full renovation, she expressed that she wanted one guest bedroom to have a European flair.
1. To kick off our European-chic aesthetic, we started with a lush and velvety Kravet fabric with black contrasting cord around the headboard and foot rails for the custom bed. We wanted to keep the bedding quiet so as not to take away from the impact of the headboard, so we created a custom pillow with a special fabric and beaded contrasting trim to add interest without overwhelming the space.
2. The wallpaper came next and we landed on Phillip Jeffries Arrowhead inlay textured grasscloth to envelope the room with an organic warmth. A signature of mine is to bring in organic elements to any project I work on. This adds a sense of natural, calm energy and texture. It is the same reason for the drapery fabric selected which is from a German textile company that is made with a raw linen with stripes to also bring that organic element to this space.
3. The idea to hang pendants bedside instead of using table lamps was to allow guests to fully utilize the nightstands - books, eyeglasses, water, wine . . . whatever your vice. That placement
also created height from the ceiling which was important, visually.
4. My clients and I were so pleased that all the elements came together so beautifully. The guest bathroom ties into the Old World European vibe. You really feel like you are staying in an ornate European hotel room! Who wouldn’t want to get in that amazing tub?
The end result of this guest suite is a tranquil environment that also provides a hint of glamor. It will welcome guests for years to come.
Meet Vero Beach’s Custom Closet Experts
Whether
accents things we adore
1
Belgard Porcelain Pavers
Featuring striking ultra-contemporary styles, the Porcelain Collection pairs upscale looks with superior paver performance. Stain-resistant and virtually non-porous, this hardscapes collection provides a modern aesthetic best complemented by blacks, whites and other pale neutrals.
Source locally with Vero Beach Pavers | 772-696-0886 | vbpavers.com
2
3
Pool & Patio Lighting
by Coastal Illumination
Elegant outdoor lighting for pool and patio area.
Source locally with Coastal Illumination | 772-588-4959 coastalillumination.com
Treasure Coast Kayak
Treasure Coast Kayak Rentals is situated in picturesque Vero Beach on the Treasure Coast. They will deliver their kayaks to where you want to paddle, with the ease of them doing all the heavy lifting.
Go locally with Treasure Coast Kayak of Vero 772-321-6994 | treasurecoastkayak.com
5
Custom Entry Doors from Vero Millwork
Vero Millwork offers a wide variety of materials, glass design, and price to match customer expectations. Including Jeld Wen, Plast-pro, Neuma, Masonite, and many other residential and commercial brands.
Source locally with Vero Millwork 772-569-7155 | veromillwork.com
4
Rolling Hurricane Shutters from Florida Shutters
QMI’s Rolling Shutters glide up and down in weather stripped side rails mounted on the exterior of the window or door. They can be operated electrically or manually from the convenience and safety of the interior of your home.
Source locally with Florida Shutters 772-569-2200 | floridashuttersinc.com
Dining Al Fresco in Vero Beach
A Culinary Journey Under the Sun
BY CHRISTOPHER MCINTOSH | PHOTOS COURTESY OF THE RESTAURANTS
As the warm Florida sun dips into the horizon, casting a golden hue over the Atlantic Ocean, there’s no better way to soak in the vibrant atmosphere of Vero Beach than by dining al fresco. With its stunning
coastal views and delightful tropical climate, Vero Beach boasts a plethora of outdoor dining options that perfectly marry culinary excellence with nature’s beauty. Whether you’re a local or a visitor, here are five must-try restaurants that elevate al fresco dining to a true art form.
CITRUS GRILLHOUSE
Location:1050 Easter Lily Lane
Price Range: $$
Cuisine: American, Caribbean
Citrus Grillhouse is known for its vibrant, tropical-themed outdoor dining area that perfectly complements its diverse menu. This lively restaurant features an openair layout, allowing guests to enjoy the refreshing sea breeze.
RECOMMENDATIONS:
Starters: Exotic Mushrooms - roasted maitake, white & brown beech, oyster mushroom, ponzu butter, herbed goat cheese.
Main Course: The Citrus Grilled Norwegian Salmon, marinated in a zesty citrus glaze, is a light and flavorful option that pairs wonderfully with the restaurant’s
THE WAVE KITCHEN & BAR
Location: 3244 Ocean Drive
Price Range: $$
Cuisine: Contemporary American
With its oceanfront location and laid-back atmosphere, The Wave Kitchen & Bar offers an ideal spot for a relaxed meal with friends or family. The restaurant’s spacious patio is perfect for enjoying the warm Florida evenings.
RECOMMENDATIONS:
Starters: Grilled Spanish Octopus & Chorizo
Main Course: Paella a la Costa, is a flavorful rice dish brimming with clams, mussels, scallops, shrimp, chorizo, chicken, peppers, and peas.
Dessert: Try the Seasonal Sorbet, a refreshing way to end your meal.
signature rice.
Dessert: Don’t miss the Key Lime Cheesecake, which is rich and creamy with a delightful crunch from the crust.
AMBIANCE
The vibrant decor, complete with colorful artwork and tropical plants, creates a cheerful environment that encourages leisurely dining.
AMBIANCE
Our goal at The Wave is to create an engaging experience for our guests through our open kitchen and customizable selections.
One of LIV VERO Magazine’s favorite views when dining with our special clients!
COOPER’S CHOP HOUSE & SEAFOOD
Location: 30 Royal Palm Pointe
Price Range: $$-$$$
Cuisine: Steakhouse, Seafood
Cooper’s Chop House offers a refined al fresco dining experience that’s ideal for a special occasion or a romantic evening. The outdoor patio, adorned with lush greenery and ambient lighting, provides an inviting setting for guests.
RECOMMENDATIONS:
Starters: Try the Oysters Rockefeller, baked oysters with fresh spinach, pernod cream & reggiano cheese.
Main Course: The Center-Cut Filet Mignon, cooked to perfection and accompanied by garlic mashed potatoes, is a must for meat lovers. For seafood fans, the Pan-Seared Scallops are an exquisite choice.
Dessert: The Chocolate Lava Cake is an indulgent finale that pairs beautifully with a scoop of vanilla ice cream.
AMBIANCE
With a blend of casual elegance and relaxed beach vibes, Cooper’s offers a unique dining experience that reflects the laid-back charm of Vero Beach.
OCEAN GRILL
Location: 1050 Beachland Blvd
Price Range: $$
Cuisine: American, Seafood
A Vero Beach staple, Ocean Grill boasts a charming bar area that overlooks the ocean, making it a perfect spot for a casual lunch or a relaxed dinner. This family-owned restaurant is known for its extensive menu and laid-back vibe.
RECOMMENDATIONS:
Starters: Bake Brie in pastry with sweet chili drizzle.
Main Course: Coquilles St. Jacques is a seafood casserole filled with shrimp, scallops, crab and mushrooms.
Dessert: Their Schaum Torte is a decadent treat that you won’t want to miss.
AMBIANCE
The classic beach shack decor, complete with breezy palm trees and the sound of crashing waves, creates an inviting and nostalgic atmosphere.
THE TIDES
Location: 3103 Cardinal Drive
Price Range: $$-$$$
Cuisine: Seafood, American
The Tides has been offering Chef Leanne Kelleher’s distinct menu of Floridian and New American cuisine since March of 2000. The Tides also offers an award-winning wine list.
RECOMMENDATIONS:
Starters: Don’t miss the Flash Fried Calamari and Pan Seared Crab Cakes, both of which highlight the restaurant’s commitment to fresh ingredients.
Main Course: The Pan Seared Potato Crusted Grouper, served with a mango salsa and coconut rice, is a crowd favorite that perfectly captures the essence of coastal Florida.
Dessert: End your meal with the Key Lime Pie, a classic with a perfect balance of tart and sweet.
AMBIANCE
The Tides features a chic, beachy decor with white tablecloths and twinkling string lights that create an enchanting atmosphere as the sun sets.
Dining al fresco in Vero Beach is not just a meal, it’s an experience that engages all the senses. From the stunning ocean views to the delicious culinary offerings at these local restaurants, you’re sure to create lasting memories while enjoying the best of what Vero Beach has to offer. Whether you’re celebrating a special occasion or simply indulging in a delicious meal under the stars, these restaurants provide the perfect backdrop for an unforgettable dining experience.
So grab your sunglasses, gather your friends and family, and set out to explore the vibrant al fresco dining scene in Vero Beach. Bon appétit!
Build COST-PLUS CONTRACTS
HOW TO NAVIGATE OPEN-ENDED BUILDING PROJECTS
BY JIM FIELD
In this series we’ve discussed the importance of drafting and executing a first-rate residential construction contract. Its purpose is to protect the interests of both client and builder, providing a project roadmap and specifying roles and responsibilities.
There are two basic contract types: fixed-price and costplus. These options create dramatically different scenarios for incentives, finances, and risk, each with pros and cons, proponents and detractors.
Typically, the type of contract applied to a project is less a function of choice than practicality. While fixed-price contracts are far simpler to administer, the project in question may not meet the requisite conditions. Conversely, a more complicated cost-plus contract might be the only mechanism to allow a project to get started.
This article focuses on how cost-plus contracts work, highlighting key provisions to help clients protect their financial position.
FIXED-PRICE OVERVIEW
With a fixed-price contract, project plans and specifications are provided to one or more builders, who are asked to submit a proposal and fixed-price bid. Should the project’s cost exceed the bid, the contractor alone bears the consequences. Conversely, should final costs come in less than the bid, the contractor alone benefits.
For builders to prepare accurate estimates and commit to a fixedprice quote, the project must be defined in sufficient detail and consequential decisions made, necessitating extensive upfront work, undertaken by an architect or contractor(s) being considered. Short of this, a contractor may pad his figures to safeguard against losses, or chose not to participate.
With multiple bids in hand, the client will select a preferred builder based upon perceived overall value—which may or may not correspond with lowest bid. Having accepted the contract’s terms— which do no disclose profit built into the bid—the client isn’t privy to costs incurred by the builder nor profit earned.
Two incentives inherent to fixed-price contracts are noteworthy. To maximize profit, the builder is motivated to minimize costs by working efficiently and expeditiously. However, costs can also be minimized by using cheaper inputs and taking shortcuts at the expense of quality.
COST-PLUS CONTRACTS
Cost-plus contracts are required when a project is not fully scoped and costs determined with accuracy. Possible causes include: prematurely launching a project, an indecisive client, a contractor who (on his dime) is unwilling to do upfront estimations in detail.
Absent such knowledge, cost-plus contracts are “guesstimations” to greater or lesser degrees. In place of hard cost figures, “allowances” are assigned to work elements to approximate expected cost levels. Profit for the builder, in turn, is derived as a percentage of costs.
The principal risk assumed by the client is that provisional cost estimates will turn out to be low, leaving them to cover cost escalations and a ballooning profit amount. Stated differently, the danger with cost-plus arrangements is that the builder has no real incentive to complete the job quickly or cheaply, since the longer he takes and more he spends, the larger his profit.
To proceed with confidence when employing a cost-plus contract, consider the following pointers and integrate key learning into your contract.
Open book. Cost-plus contracts are “open book,” meaning the builder’s costs are exposed to the client, affording full access to financial figures. Indeed, transparency in billing and effective communications are bedrock principles of cost-plus contracting. Given the levels of trust and openness required, the builder being considered for a cost-plus contract should have a sterling reputation.
Demonstrated capabilities. Not all builders have the ability to generate detailed and accurate records of project accounting. Find this out early on: Absent this capability, you can never be confident that you will be fairly billed; conversely, the builder won’t know if he is being paid for all his work. Ask to see statements produced for prior/current clients.
Accounting/billing procedures. Few contracts spell these out in detail—you must make them perfectly clear. Stipulate when you will be invoiced, what will be itemized, with what accompanying documentation (e.g., evidence of work completion).
Acceptable costs. You will need to define “acceptable” costs for reimbursement. Standard practice is to include materials/ supplies, subcontractor expenditures, direct labor. Incidental costs—e.g., dumpster fees, equipment rentals—are typically included. Miscellaneous expenses should be negotiated. Get copies of all invoices. More on labor costs. These can be trickly, as there are two levels of billing. The first applies number of hours worked and hourly wages to produce a base labor cost. A second component is “labor burden”—i.e., the cost of employee taxes, benefits, insurance. Together, base labor cost plus labor burden = total direct labor cost. Fees for job supervision are generally reimbursed if this individual is onsite overseeing work or performing work directly.
Define margin. In a final step, a margin dollar amount, comprised of profit and overhead, is applied to total acceptable costs, typically as a percentage (e.g., 10% for overhead plus 7% for profit = 17% markup). Overhead includes such items as office expenses and general administrative costs. Thus a margin amount is paid each time acceptable costs are reimbursed.
Schedule of values. A centerpiece of costplus accounting is a comprehensive list of all work elements with assigned allowances for costs not yet established (e.g., flooring, roofing, appliances). Importantly, allowances are estimates only; should include materials, subcontractor costs, direct labor, and margin; and while not legally binding, should still represent a good faith effort to accurately predict the cost in question. Caution: bidding contractors may underprice allowances to keep contract price artificially low. For work elements where costs are known, real values should be used. (Special note: a schedule of values I recently reviewed for a major renovation encompassed 52 separate work elements.)
When to apply margin. A margin amount may not be appropriate for every work element—e.g., permitting, materials/ services purchased by the client. This should be negotiated, and the schedule of values annotated accordingly.
Cost escalation. Cost overruns (i.e., above allowances) can occur for a multitude of reasons: e.g., changing plans, mistakes in estimating, difficulties with products/materials, delayed decisions. Determining which party is responsible to cover the overrun is a classic cause of contract disputes. To the extent possible, accountability for likely cost escalations should be spelled out in the contract. A particularly sticky circumstance is inflation-driven cost increases for materials/supplies and labor.
Maximum price and incentives. To protect clients against spiraling costs, cost-plus contracts may include a guaranteed maximum price. Overruns might be borne in full by the contractor, or split with the client. Incentives can also help dampen cost escalation. In one arrangement, the builder and client agree to split the “savings” should the project come in below the ceiling. Another approach is to offer a bonus if the project is completed on time and on budget. In closing, the ideal project is one where the scope of work and expected costs are fully developed before soliciting bids. In reality, clients will often rely on one or more contractors to develop both plans and cost projections and submit bids based on their own work.
To the extent unknowns exist, there is a risk of cost escalation; the greater the unknowns, the greater the risk. Importantly, fixed-price contracts aren’t necessarily ideal: the builder may present a grossly-inflated bid to offset uncertainty. Alternatively, a cost-plus contract—when well written and executed correctly—may end up producing a less costly project.
TRANSFORMING SPACES
Redefining outdoor spaces one paver at a time
BY CHRISTOPHER MCINTOSH | PHOTOS BY VICTORIYA KNAPP
Nestled along Florida’s beautiful Treasure Coast, Vero Beach has long attracted sunseekers and art lovers. Recently, however, a new form of artistry has emerged, enhancing homes and outdoor areas throughout the region: Vero Beach Pavers. Renowned for its quality, creativity, and dedication to customer satisfaction, this company has become a cornerstone of the local construction scene.
Founded in 2018 and owned by the dynamic Russ Kelly and his family, Vero Beach Pavers is making waves in the landscaping and home improvement industry. With a focus on top-notch craftsmanship, outstanding customer service, and community involvement, this family-run business is transforming outdoor spaces, one paver at a time.
A LOCAL LEGACY
The roots of Vero Beach Pavers run deep in the community. Russ Kelly, a seasoned professional in the construction industry, envisioned a company that not only delivered high-quality products but also prioritized relationships with customers. “We wanted to create something special for our neighbors—something that reflects the beauty of Vero Beach,” says
Russ. With his family by his side (his daughter Morgan & brother Bill) and a dedicated team of professional installers, Russ transformed this vision into a thriving business that stands out in a competitive market.
Since its founding, Vero Beach Pavers has built a reputation for excellence. Specializing in pool decks, driveways, patios, and retaining walls, the company has mastered the art of creating stunning outdoor environments. “Each project is an opportunity to enhance our clients’ homes and lifestyles,” Russ explains. The Kellys’ attention to detail and commitment to quality ensure that every installation is not just functional, but a work of art.
A paver driveway offers durability, aesthetic appeal, and easy maintenance with customizable patterns, colors, and long-lasting performance.
PASSIONATE ABOUT CUSTOMER SERVICE
At the core of Vero Beach Pavers’ success is a passionate commitment to customer service. In an industry where customer satisfaction can sometimes take a backseat, the Kelly family has made it a top priority. “We believe in treating our customers like family,” Morgan says. This philosophy translates into open communication, transparency, and a personalized approach to every project.
From the initial consultation to the final walk-through, customers can expect a seamless experience. “We take the time to understand what our clients want,” Morgan notes. Whether it’s a cozy patio for family gatherings or an expansive driveway that enhances curb appeal, the team works closely with homeowners to bring their visions to life. This hands-on approach not only fosters trust but also ensures that every detail aligns with the client’s expectations.
INNOVATIVE DESIGNS TAILORED TO EACH CLIENT
What sets Vero Beach Pavers apart is their dedication to personalized service. Each project begins with a comprehensive consultation where the team collaborates with clients to understand their needs, preferences, and budget. This bespoke approach allows them to create designs that are not only functional but also harmonize with the existing landscape.
The company offers a wide array of materials, colors, and patterns, allowing clients to customize their outdoor spaces. Whether it’s the warm tones of natural stone or the sleek look of porcelain pavers, Vero Beach Pavers can help homeowners achieve the aesthetic they desire. “We believe that every space has potential,” says Bill. “It’s our job to unlock that potential.”
CRAFTSMANSHIP MEETS INNOVATION
The company prides itself on using highquality materials and innovative techniques to create durable, beautiful outdoor spaces. Russ and his team stay updated on the latest trends and technologies in the industry, ensuring that they provide the best possible solutions for their customers. “We are always looking for ways to improve our craft and offer more value to our clients,” he explains.
Each project begins with a thorough assessment of the site and a discussion with the client about their needs and preferences. From there, the team designs a plan that incorporates not just aesthetics but also functionality and longevity. “We
want to ensure that our work stands the test of time,” Russ emphasizes.
COMMUNITY CONNECTIONS
Being locally owned and operated, Vero Beach Pavers has a vested interest in the community it serves. The Kelly family believes in giving back and supporting local initiatives. They frequently partner with local charities and participate in community events, helping to foster a sense of unity and connection within Vero Beach. In fact -- they have just begun work on a multi-faceted brick paver patio area under the Vero Beach Little League family pavilion at the Michael baseball complex in Vero.
“We’re not just a business, we’re a part of this community,” Russ says. This commitment to community involvement resonates with clients, who appreciate knowing that their business supports local families and initiatives. The Kellys’ dedication to Vero Beach extends beyond their work; it’s ingrained in their values.
A BRIGHT FUTURE
Looking ahead, Vero Beach Pavers plans to continue its growth while maintaining the family-oriented atmosphere that sets it apart. Russ envisions expanding the range of services offered, including landscape lighting. “We want to be a one-stop shop for all outdoor needs,” he shares.
Despite the challenges that come with running
a business, the Kelly family remains optimistic and enthusiastic about the future. Their passion for pavers, commitment to quality, and dedication to customer service are the cornerstones of their success. “Every project is a chance to build something beautiful and meaningful,” Russ says with a smile.
As Vero Beach Pavers continues to flourish, one thing is clear: the Kelly family’s dedication to their craft, their customers, and their community is a recipe for success. With a focus on quality and a heart for service, they are not just transforming outdoor spaces; they are shaping the very fabric of Vero Beach. For those looking to enhance their homes with stunning paver designs, this local gem offers not just a service but a partnership grounded in trust, quality, and community spirit.
Find them in Vero: Vero Beach Pavers (772) 696-0886 vbpavers.com
Large marble tile pavers surround the pool at this special Moorings home.
The Vero Beach Paver team in front of their showroom on 8th Street.
From Storm to Fair Weather, FLORIDA SHUTTERS
BY RENEE MORAD | PHOTO BY MAUREEN NICOLACE
When a storm is approaching, Vero Beach-based Florida Shutters, founded by Tom Pease in 1979, stays open until the last possible second for anyone needing help with their shutters, from muscle power to locating something as small as a screw or a wingnut.
Family owned and operated, Florida Shutters takes immense pride in serving its community and doing right for their customers. Given its small town, people-first approach, the company represents Vero Beach charm and hospitality.
On a normal day, Pease also experiences a great sense of accomplishment when driving through the local community and witnessing how widespread Florida Shutters is. “I get a kick out of riding around town and seeing our products on so many condos, subdivisions up and down the beach, and more. I find great personal happiness in that kind of thing,” Pease said.
Although Pease first entered the business more than 40 years ago selling European-style shutters, the product line quickly evolved to include designing and manufacturing a line of beautiful and equally functional shutter types, including Colonials, Bahamas and storm shutters. After Hurricane Andrew hit the East coast of Florida in 1992, Miami-Dade County developed stringent guidelines
Is a Vero Beach Staple
“I’m very proud to help our community and keep our residents safe and secure, while ensuring their homes are very aesthetically appealing.”
Tommy Pease
for hurricane shutters. Florida Shutters followed their lead, using their guidance to create the strongest shutters to withstand harsh tropical weather conditions without compromising functionality. Each shutter model is retested and recertified every four years, per Miami-Dade County guidelines.
Today, Florida Shutters offers a range of products, from shutters and handrails to custom gates, pergolas, outdoor enclosures and sunesta awnings. Products are custom made to order and all are Miami-Dade approved.
Pease’s son Thomas Lane Pease, Jr., commonly referred to as “Tommy” or “Jr.,” currently owns and operates Florida Shutters, but his father is still an instrumental fixture for the company, offering his wisdom, consulting and expertise. Tommy learned the ins and outs of the business and finds great inspiration in his dad’s past successes, from inventing products for shutters to learning from example about the way he takes care of his employees and their families.
“I would come home and work every summer during college,” Tommy said. “My dad would create a project for me. He told me to get my management degree in case I wanted to come back and help run the business.” Tommy followed his dad’s advice and after a brief stint going out to see the world after graduating college, he returned home to Vero Beach. “I realized the safety and security of working with my family business, and my dad welcomed me with open arms,” he said.
The experience of owning and operating Florida Shutters has since become just as rewarding and honorable to Tommy as it has been for his father. From Colonial and Accordion shutters to Bahama shutters and everything in between, Florida Shutters has become a staple of Vero Beach’s coastal charm. “I’m very proud to help our community and keep our residents safe and secure, while ensuring their homes are very aesthetically appealing,” Tommy said.
Landscape
HARDSCAPE, GARDEN, POOLS, DESIGN
REFRESHING YOUR LANDSCAPING
Don’t settle for conventional replacements
BY NANCY GEORGE
Whether you lost a tree to Lethal Bronzing Disease (see October 2024 issue), Hurricane Milton, or simply want to tear out that awful looking thing in your landscape, there are important factors to consider. Don’t make a rash decision—plants are with you for years.
Stepping back, it’s a perfect opportunity to evaluate and update your landscape plan. Was the specimen you’re replacing a single, or one of many of the same variety? Was it situated off by itself; in a planting bed; was it prominently displayed; are surrounding specimens complementary or different? Each question takes you in a specific direction.
VISUALIZING POSSIBILITIES
If a tree, for example, was one of a row, then you’ll most likely want to replace it with the same variety, ideally the same size as remaining trees. If it was near the middle of a row, there’s an opportunity to break
the line using hardscape, such as a bench, statuary, or small collection of plants of contrasting textures.
In a mixed bed you have far more choices. Assess the existing bed in front of you, what’s planted already. What colors, shapes, sizes, textures are represented? You could choose a replacement tree with different features to add interest to the bed. Going further, you might use the tree as a focal point for the space.
For instance, if the area is primarily ground cover and plants of the same size, look for a tree with height and a distinctive shape. Alternatively, if space is limited, a tight
columnar shape would compliment the setting and not overwhelm the garden’s dimensions. Further still, if the space is wide and has varying 3-4 foot plantings, a stately palm would be a stunning focal point.
CLIMATE AND LOCATION
We are fortunate to be in USDA Hardiness Zone 10, comprised of areas with hot summers and mild winters, exhibiting average minimum winter temperatures between 30-40° Fahrenheit. Zone 10 allows us to design a lush tropical landscape, although not all tropical plants will thrive in our area. Living along the coast also requires selecting trees and plants that are wind and salt tolerant, depending on how close your property is to the shoreline. Another consideration is microclimates formed by a wall or grouping of trees that absorb heat or protect plantings from the wind. A marked windbreak, combined with a lower-elevated space, can enable the gardener to plant a more delicate specimen than risk its survival in a less protected spot. Walk your neighborhood and take note of areas similar to your own, noticing plantings that aren’t thriving due to being in the wrong location.
SELECTING A NEW FAVORITE
In many walks of life, there is a tendency to stick with what works, relying on what has stood the test of time. In general, this is a great strategy, but when applied to landscaping, it can translate into cut-andpaste gardens that all look alike.
Personally, I strive to create a distinctive landscape that reflects my tastes and character. When done well, I like boldness and surprises; I like to change things
Landscape up; I like to experiment. I especially consider plant replacement to be a golden opportunity for freshness and renewal. Below are several under-appreciated trees and grasses that I think are worth considering.
Triangle Palm (Dypsis decaryi). Exotic tree with many winning qualities. Topping off at 15-20 feet tall, sports a blue-green crown which grows in a beautiful horizontal fan shape making it a highlight in spaces of limited depth. Base is a tight weave on a triangular trunk giving way to feathery keeled leaves above. Happy in full sun but tolerates shade; thrives when allowed to dry out between waterings, making it perfect for drought-tolerant gardens.
Traveler Palm (Ravenala madagascariensis). Imposing specimen actually not a palm, but related to the banana and bird of paradise. When young has a wide horizontal crown of fan-like leaves, which continue to grow before the base forms a trunk which lifts the crown up. Base features overlapping leaves reaching up to a peacock feather-shaped crown reaching 50 feet high. Not for the faint-hearted, a true
show-off specimen. Given immensity, best suited for large homes or set away from house plantings as prized specimen.
Banana Trees. Classic tropical look. Highly adaptable and fast growing. Large lush leaves are striking contrast to palms and offered in a variety of sizes and colors. Fruit bearing banana trees such as the Puerto Rican plantain maintain tight size of 6-8 feet tall and 3-6 spread, can tolerate light shade and happy in a container. Dwarf varieties such as the Dwarf Cavendish are popular given smaller size of 8-10 feet high and creamy fruit, smaller than what you find in a grocery store, referred to as a sugar banana.
Mango (Mangifera indica). Superb choice for a large open spot. Can reach 30-50 feet high and should be planted with no underplanting because of fruit drop and leaves. Fruits are harvested May-September; favorite varieties include Carrie Atkins, Parvin, and Lancetilla. Ornamental Grasses. Versitile filler, available in varying heights, colors, textures. While frequently planted in rows or masses, an individual grass is an easy and inexpensive way to add dimension to your landscape. Minimal maintenance, drought
tolerant, predominantly pest and disease free. Not all grasses are green—shades of blue, red, purple, orange, as well as variegated varieties are designer favorites. Upright varieties such as horsetail and silvergrass add a striking highlight. Many flower with bright pink or white plumes, bringing new focus to your landscape.
Pindo Palm (Butia capitata). Fantastic choice for a moderate-size palm. Growing to 15 feet high, sports blue-green fronds and is drought tolerant once established. Pointed leaves drape from curved fronds providing a graceful canopy for underplanting.
There is an endless variety of specimens to choose from. Check with your local nursery for their recommendations, be sure to understand the light, water, and maintenance needs of your selection, and don’t be afraid to ask if they can get the plant you are looking for. Nurseries tend to stock “sure sellers’, so don’t be pushed into purchasing whatever is on hand. Let your landscape reflect your personality and flair.
After a few moments spent in this private riverfront paradise, you will never want to leave.
OUTDOOR LIVING AT ITS FINEST
A Unique Blend of Style and Comfort
BY CHRISTOPHER MCINTOSH
PHOTOS BY DAISY BURNS PHOTOGRAPHY
Nestled in the tranquil River Ridge Estates, just a mile south of the 17th Street Bridge, lies a stunning estate that perfectly marries luxury with the great outdoors. Originally crafted for Anheuser-Busch heir Peter Busch, the beautifully renovated home at 1300 River Ridge Drive offers an extraordinary waterside experience, making it an ideal retreat for those who cherish outdoor living.
THE WAKELAND’S’ VISION
Tim and Jordan Wakeland envisioned this residence as their “family house,” a dream they initially planned to build from scratch. However, upon discovering this gem, Jordan knew instantly that it was the one. The couple embraced the opportunity to honor the home’s timeless character while infusing their personal style.
Collaborating with internationally acclaimed architect Ralph Beiran, the Wakelands transformed the property into a one-of-a-kind masterpiece. The couple’s
passion for design shines through every detail, resulting in a home that is as inviting as it is beautiful.
A SERENE SANCTUARY
Set against the backdrop of lush tropical landscaping, this exquisite 5,032-square-foot residence boasts five spacious bedrooms, each offering breathtaking views of the river and sunset. The home’s design, characterized by a sophisticated black-and-white palette, invites natural light to flood in, creating a warm and welcoming atmosphere.
As you approach, a winding driveway leads you through an enchanting courtyard adorned with vibrant greenery. A majestic fig tree stands as a guardian, welcoming you to this private paradise, where you can savor the beauty of nature while watching dolphins frolic in the distance or launching a paddleboard from your own mini-beach.
EFFORTLESS INDOOR-OUTDOOR FLOW
Inside, the expansive living spaces are designed for both relaxation and entertainment. Cozy gas fireplaces and
a built-in big screen TV create a perfect ambiance for family gatherings, while the chef’s kitchen—complete with marble floors, a cathedral ceiling, and a stunning La Cornue gas range—ensures every meal can be prepared with style.
However, the true magic of this home unfolds when you step outside. The outdoor living areas are nothing short of a resort paradise. A screened dining lanai with a summer kitchen beckons for al fresco meals, seamlessly connecting to a shaded veranda lined with tropical foliage.
Winner of the HGTV Ultimate House Hunt 2020: Waterside Homes
RESORT-STYLE OUTDOOR LIVING
At the heart of this outdoor oasis is the infinity pool, designed to flow effortlessly into the river beyond. With a swim-up Tiki bar, it’s the perfect spot for relaxing and enjoying Florida’s sunshine. Jordan, who designed the home herself, also created a charming mini-beach area that invites you to lounge by the water, providing an ideal balance of aesthetics and functionality. Whether you’re hosting a summer barbecue or unwinding by the fire pit, the outdoor spaces cater to every occasion. The serene ambiance makes it easy to savor the tranquil river views while enjoying the gentle Florida breezes.
LUXURIOUS COMFORTS AWAIT
After a day spent outdoors, retreat to the luxurious master suite, where captivating river views and a custom walk-in closet with lighted storage provide a sanctuary of relaxation. The spa-like master bath features marble finishes and a hidden TV screen, but for a truly unique experience,
step outside to the private garden and indulge in the outdoor shower, enveloped by lush landscaping.
The second level offers three additional bedrooms, each with its own private bath and sunset balcony, ensuring guests experience the same level of comfort and tranquility. The separate guest house provides extra accommodations, making this estate perfect for entertaining family and friends.
THE BEST OF VERO BEACH
While this home feels like a secluded retreat, it’s conveniently located near the vibrant offerings of Vero Beach. Just minutes away, you can explore the charming village filled with shops, restaurants, and pubs, or enjoy the scenic landscapes of Riverside Park and the cultural treasures at the Vero Beach Museum of Art.
In essence, 1300 River Ridge Drive is more than just a home; it’s a lifestyle where outdoor living takes center stage. Every detail has been thoughtfully curated to provide an unparalleled experience, making
this estate the epitome of luxury living in Vero Beach. Whether basking in the sun by the pool or enjoying an evening fire, this property offers the perfect blend of elegance and nature.
Homeowners: Tim and Jordan Wakeland
Architect: Ralph Beiran
Address: 1300 River Ridge Dr.
Neighborhood: River Ridge Estates, South Beach
Year Built: 1981; extensive high-end renovation
Lot Size: 0.63 acres
Home Size: 5,032 square feet
Bedrooms: 5
Bathrooms: 5 full, 2 half
Additional Features: 225 linear feet of river frontage, infinity pool with in-pool spa, T-dock with lounge deck, detached guest suite, and a 3-bay garage.
Sweeping Westerly Views of Martin Cove
Move Forward to Expert Financial Guidance.
Beauty Cultivating
The Art of Landscaping
BY CHRISTOPHER MCINTOSH | PHOTOS COURTESY OF AIELLO LANDSCAPE
at Aiello Landscape, every yard is treated as a unique garden—an age-old testament to nature’s beauty and human creativity. Gardens not only reflect individual taste but also serve as tranquil retreats from the hustle and bustle of daily life. The lush plants, vibrant flowers, and manicured lawns surrounding our homes and businesses soften the harsh lines of concrete, providing cool shade and inviting spaces for barefoot strolls or playful afternoons with pets.
For over 30 years, Aiello Landscape has been dedicated to crafting and maintaining stunning green spaces that enhance the aesthetic of their clients’ properties. Their mission centers around delivering exceptional service and an unparalleled gardening experience. Founded by Tommy Aiello, who received his first lawnmower at the tender age of six, and partner Dan Crisafulli, who introduced innovative gardening concepts to Vero, their team has established a reputation for quality and professionalism that’s hard to match. What sets Aiello apart? Their trained and uniformed gardeners spend hours in your garden attending to every detail. Mowing is by push mower and weeding and pruning are by hand. Bed lines are straight and tight. Shrubs are properly trimmed by season. Flowers are dead headed. Irrigation is checked weekly. Problems are identified and communicated to personal account managers for immediate
resolution. Gardening Services by Aiello is a perfect way to make your garden elegant so you can proudly enjoy it with your family and friends. Aiello sets the standard in concierge-level, estate gardening service The success of their approach is evident: Aiello Landscape currently maintains over 200 gardens and offers a wide range of services, including new landscaping, hardscaping, artificial turf installations, irrigation, landscape lighting, and tree relocations. Additionally, their dedicated department focuses on the design and upkeep of potted plants and flowers.
At Aiello Landscape, they invite you to envision a stress-free landscape that allows you to focus on what truly matters— enjoying life and creating memories with family, friends, and furry companions.
Find them in Vero: Aiello Landscape
772.563.0071
aiellolandscape.com
For over thirty years, Aiello Landscape has focused on creating and maintaining beautiful garden surroundings for people’s homes and businesses.
An Attractive and Economical Alternative to Natural Grass
ARTIFICIAL TURF HAS ARRIVED
BY JIM FIELD | PHOTOS
BY VICTORIYA KNAPP
Some of us remember the 1960s debut of “AstroTurf,” a prime example of synthetics entering the American marketplace, launching new product categories and replacing traditional materials.
AstroTurf was created for the Houston Astrodome (baseball), where lack of
sunlight made a natural grass playing field near impossible. Thus the need to invent “fake” grass.
Fast-forward half a century, and artificial turf has evolved and thrived as a product, although quietly so. We see it watching sporting events, but take little notice (17 NFL stadiums feature artificial turf). School playgrounds use it. And we all covet home putting greens.
“Artificial turf has gone mainstream,” observes Bill Hatfield, Director of Strategic Initiatives at Complete Synthetic Turf. “I’ve been in the business 20-plus years, and the technology has advanced dramatically. Simultaneously, consumer demand has changed. Early on, 65% of residential installations were putting greens. Today, it’s 70% landscaping and 30% putting greens. That’s a sea change.”
Hatfield is quick to note two things about artificial turf: first, there’s more to it than laying down a mat, and second, buyer beware: you only get what you pay for.
RESIDENTIAL USES
Many residential properties have areas where natural grass is difficult to grow—e.g., shady areas beneath trees and strips bordering docks and boat lifts. Areas around pools and patios are equally tricky: wet natural grass can become weak and muddy, with soiled feet tracking debris into the pool and home.
determined by performance requirements. Blades comes in various hues, are U.V. stabilized for colorfastness, and can include tan thatch. All materials are non-toxic and lead-free.
INSTALLATION ESSENTIALS
Pets present a different challenge, owners looking to avoid dirty paws, insects, hole digging. Eventually, natural grass suffers from rough play and brown patches caused by pet waste.
Some homeowners choose to intersperse natural grass and artificial turf in their landscaping to optimize overall look and functionality. Others are going all in, converting their entire property to synthetic. (Note: some HOAs restrict artificial turf to backyards.)
Finally, when it comes to putting greens, few homeowners have access to lawn care services that can maintain such a specialized surface. As such, artificial turf is the only practical path to owning this amenity.
MULTIFACETED BENEFITS
Everyone loves a well-kept lawn for aesthetics and a boost to property values. In practice, natural lawns are a costly undertaking and few homeowners want to do it themselves. Artificial turf—picture perfect all the time—offers five main advantages:
reduces water use for irrigation.
Drainage problems. Installed natural drainage system channels water away from home and property.
Rodents and other pests. Installation offers barriers to burrowing animals and in-ground nests.
Child and pet safety. Durability to withstand heavy traffic, level surface, padding to cushion falls, non-abrasive.
TURF COMPONENTS
Artificial turf is composed of multiple components assembled in layers to exacting specifications.
Starting at the surface, individual “grass” blades are bound (by various methods) into a backing containing drainage holes. Beneath this backing there is an energy pad (optional), leveling layer of material, drainage stone, drainage piping, finally reaching the natural subgrade. Grass blades are infilled with a granular filler (typically silica sand) that provides stability, root protection, uniformity.
Grass blades stand above the infill material; blade length and infill material/amounts are
Installation sets apart a high-quality end product that performs to high standards and lasts a decade and longer.
Bill Hatfield describes their process. “On site with a potential client, we ask about trees, location of planter beds, choice of plants, water drainage, pets, patio locations, pool usage—all these factors must be addressed by the solution.
“To drain water properly, we go down four inches, then build up three inches using pea gravel. We put our turf down, cut it, shape it, seam it—scallop is hard to detect. Next we put edging around the outside, fix the turf to the edging. Finally, we infill it, minimum of two pounds per square foot. The big mistake is cutting corners with a highly compacted base, which doesn’t dissipate water.
“Typically we recommend leaving sprinkler heads in the turf, running three minutes each morning for cooling, rinsing pet urine. Water is retained in the infill, slowly released, creating an evaporative cooling
ULTIMATE PUTTING GREEN
Simple nylon putting greens remain popular for general entertainment—e.g., grandparents hosting grandchildren who will putt some but mostly romp around. However, if it’s the real deal you’re after, artificial turf is now engineered to accept balls flighted from 100 yards distant, slightly sloped to allow the ball to check up. Grass blades are filled heavily with green infill, then rolled and rolled, producing Stimpmeter speeds of 12 and greater. Shaped contours allow for every type of putt. Many clients want a difficult “money hole”—often a double breaker—which they practice and learn to make, winning bets from guests.
MAINTENANCE AND WARRANTY
Annual maintenance is recommended to check seams and edges, broom surface to minimize compaction, clean mildew, etc., as needed. Manufacturer warranties span 8-15 years, installation warranties 2-3 years.
Find them in Vero:
Complete Synthetic Turf 561-739-4667
completesyntheticturf.com
Artificial turf offers a durable, low-maintenance alternative for lawns, sports fields, and play areas, providing consistent appearance and functionality year-round.
10 MAJOR TRENDS IN HOME ELECTRONICS
NEW TECHNOLOGY IS REDEFINING THE HOME LIVING EXPERIENCE
BY BRETT RINGEISEN
BY LIV VERO STAFF
PHOTOS
Home electronics have become so deeply woven into our daily lives that it’s hard to find a home that isn’t “smart” to some degree. From connected thermostats and voice-activated speakers to AI-driven appliances, the technology that once seemed futuristic is becoming a necessity in most households.
These items should ideally work together, connected by a system that manages everything—our HVAC, security, lighting, and audio-visual experiences. As innovations continue, our homes are becoming smarter, more efficient, and increasingly responsive to contemporary needs. Here are the top 10 trends that are driving this rapid and amazing transformation.
1. AI: THE NEW HOME MANAGER
Artificial Intelligence (AI) is no longer confined to the realm of sci-fi; it’s becoming the brains of our homes. AI-powered hubs can now control lighting, climate, and security systems by learning our preferences and adjusting automatically.
The latest trend involves AI that analyses your routines and anticipates your needs, making your home an adaptive space that evolves with you.
2. THE RISE OF WIRELESS
Wireless technology can power many things in the home, but a basic wiring infrastructure is still needed for a fullyconnected experience. Thermostats, shades, speakers, and even some home theater systems are now cutting the cord, allowing for a cleaner look and lessdisruptive installation. A huge benefit of wireless technology is its ability to simplify installations, upgrades, and integration of new devices.
Automated shades provide precise control over sunlight, reducing glare, protecting furnishings, enhancing comfort, while improving energy efficiency.
Architectural lighting and shading solutions are taking center stage in modern home design. Systems like Lutron’s luxury lighting allow homeowners to create stunning, versatile environments that suit any mood or occasion. Automated shades provide precise control over sunlight, reducing glare, protecting furnishings, enhancing comfort, while improving energy efficiency. Intelligent controls allow you to adjust settings by room, optimizing, for various activities, the beauty and functionality of each space.
4. SMARTER HOME SECURITY
Home security has improved dramatically in recent years. Today’s video cameras are smaller, less expensive, and more sophisticated, employing technologies like facial recognition, AI-powered motion detection, and cloud storage. Modern systems integrate with other smart devices, such as smart locks and lighting, creating a comprehensive security ecosystem. The ability to view live feeds, receive unusual activity alerts, and control features remotely transforms home safety and security from a reactive to proactive capability.
5. SMART LIGHTING, NATURALLY
Lighting is one area where smart technology truly shines. Lutron’s Ketra system mimics the natural progression of sunlight throughout the day to improve mood, productivity, and well-being. Morning light is cool and energizing, while warm tones in the evening help you wind down. Importantly, dynamic lighting not only enhances room atmosphere but also contributes to a healthier environment by syncing with your natural circadian rhythms.
6. HEALTH-FOCUSED TECH AT HOME
Your home is increasingly becoming a hub for health and wellness. Smart beds monitor your sleep patterns, air purifiers track indoor air quality, and connected exercise equipment tailors workouts to your preferences. Integrated healthcentric technology underscores how home environment can influence overall wellness, transforming our living spaces into programable sanctuaries.
7. HOME ENTERTAINMENT: BIGGER AND SMARTER
Entertainment technology at home is reaching new heights. The advent of 8K
resolution TV and immersive sound setups means the movie theater experience is now easily replicable in your living room. Smart TVs are becoming not just larger but also more intelligent, with streaming platforms and content recommendations tailored to your viewing habits. This evolution is not only about having a big screen; it’s about creating an immersive experience that rivals a night out. The variety of options available for enhancing at-home entertainment—ranging from ultra-high-definition visuals to spatial audio—allows you to curate a personalized entertainment environment easily.
8. SIMPLE, RELIABLE VOICE CONTROL FOR YOUR HOME
Voice control has transitioned from a novelty to a cornerstone of the smart home. While Amazon Alexa and Google Home are common choices, Josh.AI is elevating the standard, especially in luxury homes. Designed for high-end living, Josh. AI offers enhanced privacy and better integration with other smart devices. Unlike mainstream options that send data to the cloud, Josh.AI processes commands locally, resulting in a more secure and intuitive user experience. Its sophisticated natural language processing means you don’t have to memorize specific commands; it understands your needs effortlessly.
9. SMART KITCHENS FOR SMARTER COOKING
The kitchen is undergoing a technological revolution as well. Smart ovens, refrigerators, and even dishwashers can now be controlled via apps, making this space more efficient and connected. Some appliances come with AI that suggests recipes based on the ingredients you have. The latest innovation focus is voicecontrolled kitchen gadgets that let you multitask seamlessly. You can preheat the oven, brew coffee, or adjust your fridge
settings—all without lifting a finger. This seamless integration of technology into cooking not only saves time but also enhances culinary expertise at home.
10. THE HOME TECHNOLOGY CONSULTANT: THE FOURTH PILLAR OF DESIGN/BUILD
For decades, the architect, builder, and interior designer have been the indispensable professionals needed to ensure a pulled-together luxury home. As technology is now a necessity in modern homes, the role of the technology consultant has emerged as the fourth pillar of the design/build process. These experts navigate the multitude of technology solutions available, assisting homeowners and team members to understand options, streamline installations, and create integrated systems that enhance functionality and aesthetics. Incorporating a technology consultant into the design/ build team is a direct enhancement in serving the cutting-edge needs of sophisticated clients.
The future of home electronics is here and now, actively reshaping how we live. Long-established industries and companies serving the residential home sector are investing and re-tooling to create homes where aesthetics, comfort, efficiency, and technology converge. While these tech trends are revolutionizing our living spaces for the better, homeowners can easily be overwhelmed by the constant press of innovation. Serving their needs properly will require home-oriented professionals to upgrade their knowledge about technology.
Brett Ringeisen is Director of The Audiohouse in Vero Beach.
@theaudiohouse | theaudiohouse.com
Attached or mobile touch screens enable homeowners to effortlessly control all smart applications.
ARTISTS, GALLERIES & STYLE
THE CREATIVE ART OF SELF-CARE:
STORY OF TOES IN CLAY
BY CHRISTOPHER MCINTOSH
PHOTOS COURTESY OF TOES IN CLAY STUDIO
In a world increasingly focused on wellness and self-care, few experiences encapsulate relaxation and creativity quite like plunging your hands into a ball of clay. Pottery allows one to reconnect with their inner artist while enjoying the therapeutic benefits of working with clay. Founded by Sandy Bachmann, the visionary artist and entrepreneur behind Toes in Clay, this delightful art has captured the hearts of many, making it a must-experience for those seeking both relaxation and a creative outlet.
MAKING THE CREATIVE CHANGE
Sandy grew up on Long Island, New York, making her way to Florida in her early 30’s. After years of working as a commercial artist, and then opening her own business doing faux finishing, she went back to school to get a teaching degree in art.
Sandy Bachmann in her Toes in Clay studio.
Most of those years as a public school educator were in Broward County. After moving to Vero Beach in 2018, she was employed as the art teacher at Fellsmere Elementary for four years and then decided it was time to retire. After moving to Vero, she was thrilled to discover its art district in the downtown area, decided to take her first pottery wheel class and fell in love. “It was love at first throw!” she said, and quickly started improving her skill, which she says is an ongoing discipline. “The learning should never end.”
She bought a pottery wheel, a kiln to fire the clay, and eventually built her own studio, aptly called the “She Shed”. She will often find her quiet time in her studio to get away from life’s stresses for a while, and just focus on the creativity, the “making” of something internal, emotional, classy or just fun.
CREATIVE ESCAPE
Toes in Clay offers a refreshing break from the hustle and bustle of daily life. Sandy instructs workshops and classes at the Vero Beach Museum Of Art. Participants can create whimsical sculptures, functional pieces or personalized keepsakes, immersed in a calming environment that encourages creativity and self-expression. With a variety of glaze colors and tools at your disposal, the experience is as much about the process as it is about the final product. Whether you’re a seasoned artist or someone who hasn’t touched clay since childhood, Sandy creates an atmosphere that is welcoming and inclusive. Participants often leave with not just a physical keepsake, but also a sense of accomplishment and pride in their unique creations.
Being a member of the Vero Beach Art Club for many years allows her to display and sell her creations at Art In The Park, which is held every other Sunday at Humiston Park, in season from October
until April, and at other club sponsored events in the county. She also displays her work at the Art Club gallery on 14th Ave., and has won several awards for her work.
THERAPEUTIC BENEFITS
Art therapy has long been recognized for its ability to foster mental well-being, and Toes in Clay harnesses this power beautifully. Engaging in a meditative practice that encourages mindfulness and stress relief, the tactile nature of clay promotes sensory exploration, allowing her to lose herself in the moment and forget the daily worries. This aspect of the experience is particularly appealing in today’s fast paced world, where finding moments of peace can be a challenge. Working with clay lends itself to the ability to bend, press, coil, roll, sculpt and do whatever the imagination can conjure up.
Sandy has created items that have gone viral and are in demand locally, from her adorable Snow People with Attitude to her very popular Hurricane Crosses and Hurricane Hearts. The legend behind the hurricane items is that if you hang one in your home, it will help ward off damage from hurricanes. But as Sandy comments: “Don’t cancel your homeowners insurance if you purchase one! There are no guarantees!”
ABOUT THAT NAME…
How did the name, Toes In Clay come about? It goes back to when she and her now husband first met in a bar on Long
Island. They chatted for a while and that was the end of that. A few weeks later they were both again at the same bar. When Sandy said hello, he had forgotten her name. She said, “It’s easy. What do you think of when you think about the beach?” He said, “The sand squishing between my toes.” She said,”Well, that’s it!” He responded, “Toes?” Her reply, “No! Sand! Sandy!” But he started calling her Toes and that has been her nickname for the past 38 years. It was just a natural progression to name her business “Toes In Clay.”
JOIN THE MOVEMENT
If you’re looking to explore your creative side and indulge in some much-needed selfcare, playing in mud is an experience you won’t want to miss. Sandy’s workshops are designed to cater to all skill levels, making it an ideal outing for anyone seeking a new hobby or a fun day out. Check out her Facebook page www.facebook.com/toesinclay for upcoming workshops, promotions, and a glimpse into the artistic creations that she has crafted. Contact her privately if you are interested in purchasing an item or two. In a time when nurturing our mental health is more important than ever, Toes in Clay stands as a beacon of creativity and community. It’s a reminder that sometimes, the simplest activities can bring the most joy, helping us to connect with ourselves and others in meaningful ways. So why not take a step away from your daily routine and dip your toes in clay? You might just discover a newfound passion that brings a smile to your face and a sense of tranquility to your spirit.
WINTER
IN THE TROPICS
A GENUINELY DIFFERENT SEASON TO CELEBRATE
BY JIM FIELD
Don’t guffaw when I say that Vero Beach has a pronounced winter. It does. Not New England caliber, but cold nonetheless.
Full disclosure: When we first moved to Vero Beach, we chuckled at locals bundling up starting around Thanksgiving. Jeans appeared, along with Uggs, fleeces, wool
caps. Dog walkers were especially prepared. Our thoughts would turn to possibly using the fireplace that came with our new home. Now veteran residents, while we appreciate the spectacular weather attracting snowbirds, we grin and bear discomforts. One’s blood does get thinner the longer one lives contiguously in warm weather.
We have a firepit and blankets. Swimming
laps, I wear a 2 millimeter neoprene top, and, too cheap to heat the pool, cease swimming December-February. Instead, our propane bill spikes with evening spa sessions. And we do dress (reluctantly) to stay warm.
Notably, our prevailing winter weather isn’t just modestly different from the rest of the year, but dramatically so. Here are data and observations to demonstrate this fact.
BACKGROUND—WINTER DEFINED
A refresher on winter’s causation in the northern hemisphere. Earth’s tilt is away from the sun, lowering the angle and amount of solar radiation that reaches its surface. The winter solstice, occurring December 21 or 22, marks (1) when the northern hemisphere is tilted farthest from the sun, (2) the shortest day of the year, and (3) the first day of winter season.
BACKGROUND—CLIMATE DEFINED
Vero Beach features a tropical climate, with one statistical caveat. A tropical climate is defined by monthly average temperatures of 64° Fahrenheit (F) or higher across all 12 months, a threshold met in Vero Beach in 11 months, January the sole exception, with temperatures averaging 61°F. (I ignore this trivial variance: we’re tropical in my book.)
To the north, Sebastian Inlet is considered the demarcation line between tropical and subtropical climates. As such, think of Vero Beach as occupying the northernmost reaches of tropical southeast Florida,
susceptible, accordingly, to slightly colder temperatures (relative to everything south of us) for a handful of January evenings.
CHANGES TO KEY METRICS
Here’s a list of what makes winter in the tropics distinctive. (Note: figures are monthly averages, degrees in Fahrenheit.) Daylight hours. June high—13.9 hours. December low—10.4 hours. Difference -3.5 hours.
Air temperature. August high—81 low—61°. Difference -20 Rainfall. June high—5.5 inches. December low—1.7 inches. Difference -3.8 inches. Wind speed. July low—7.1 mph. February high—11.2 mph. Difference +4.1 mph. Ocean temperature. August high—84.1° February low—72.0°. Difference -12.1° Everything points to less—except for wind (brrr!)—and differences are, indeed, meaningful.
GROWING SEASON
While technically not dormant, they’re not producing much new growth either. Landscapers will shift from cutting grass weekly to bi-weekly, and forego large-scale trimming.
For gardeners, winter months slow the growth of most trees and shrubs.
The veracity of our winter is typified by tourists who visit in winter expecting blazing sun, hot sand, bathtub ocean water. For most, it’s an unpleasant surprise to end up shopping for sweatpants and wraps. Their travel agent should have advised them that if it’s heat they want, fly to the equator.
Cozy fireplace @ 3575 Ocean Dr.
PHOTO BY DAISY BURNS
CHILDCARE RESO URC ES OF INDIAN RIVER
Dedicated to Early Childhood Development
BY JIM FIELD
Touring the Childcare Resources School, the impressions flooding my mind—love, learning, caring, safety, and professionalism—are palpable.
My tour guide, Shannon McGuire Bowman, Executive Director, knows the name of every child, saying hello and smiling, bending to connect with happy infants. I’m introduced to every teacher, volunteer, and therapist we encounter, whose eyes express they’re part of something special.
“Our core focus,” Shannon explains, “is represented by the acronym ALICE: Asset Limited Income Constrained Employed parents, who work and/or attend school full-time with incomes that are constrained by our area’s cost of living.”
Remarkably, 2024 marks Childcare Resources’ 30th year serving families in Indian River County (IRC). Equally impressive, its programs each year touch and elevate the lives of over 4,000 children.
ANIMATING PURPOSE
The organization’s Mission Statement is powerful: To elevate and promote
the highest quality early childhood development and education in IRC, focusing on economically challenged children and families.
The magic comes from capturing young minds and spirits at the earliest point in development, working to impart skills and behaviors essential to success when entering kindergarten and grade school. Matriculation spans six weeks to five years of age.
A testament to Childcare Resources’ environment and outcomes is that children return each new school year. “The many years spent together,” Shannon shares with due pride, “creates a special bond between staff, parents, and children. We’re able to accomplish a lot based on trust and familiarity.” There is a waiting list of over 200 qualified families.
THREE PROGRAMS IN ONE
A 501(c)(3) nonprofit, Childcare Resources provides targeted services to fill gaps in important community needs. Every undertaking ties back to early childhood care.
To donate online:
Website: childcareresourcesir.org
Instagram: @childcareresourcesir
Childcare Resources School. Comprising classrooms, therapy rooms, playground, and garden area. Staffed by full-time teachers and volunteers. Approximately 120 children enrolled. Play-based learning, low studentto-teacher ratio. Accredited by the National Association for the Education of Young Children (NAEYC).
Wellness and Early Intervention Program. Comprehensive wellness and developmental screenings. Coordinates speech, occupational, physical and behavioral therapies, mental health referrals, with local providers. On-site therapy rooms minimize disruption to the school day. Approximately 25-30% of students participate.
Teacher Training and Assistance. Professional development workshops for early childhood educators in IRC. Training from nationally-recognized experts. There are approximately 55 early childhood education centers in IRC, staffed by nearly 700 teachers. Childcare Resources coaches visit classrooms, providing technical assistance and training. The goal is to raise the bar for professional excellence across IRC.
OUTSIZED IMPACT
Numbers (for the 2023-2024 grant year) attest to remarkable work being done and goals achieved: > 4,064 children positively impacted > 2,204 on-campus therapy hours > 1,600 classroom volunteer hours by program parents > 321 early educators participated in career-advancing opportunities > $14,583 cost subsidized per child. Of total annual revenue, nearly 80% is raised by grants, contributions, special events.
EXCITING FUTURE DIRECTION
A new capital campaign, “Transforming Tomorrow,” centers on the purchase of two buildings in downtown Vero Beach, the relocation of the school, and expansion of facilities—classrooms, therapy gyms, and state-of-the-art professional training center. Throughout its history, Childcare Resources leadership has dedicated itself to providing an expanding array of high-value services to community residents. Gratefully, a new era awaits!
Seafood
MIND, SPIRIT, BODY, HEALTH
FOUR PILLARS of Optimal Health
Simple Changes Can Dramatically Improve Your Life
BY CHRISTOPHER OLENEK, DO
Vero Beach is the ideal environment for achieving optimal health. We enjoy sun and warm temperatures, can be active year round, and an abundance of local services cater to body and soul.
Vero Beach is an ideal oasis.
I use the term “optimal” to mean the best outcome for a given situation. In medicine, the centerpiece of clinical care is the individual. As such, each of us will have our own definition of “optimal” health to pursue. This is good: We don’t have to compare ourselves to others; what matters most is doing the best we can to maximize our innate potential.
Fortunately, the keys to optimal health are accessible to everyone and easily understood—there are no secrets, the science is established. That said, achieving your optimal health does take dedication and discipline, but just knowing the path is half the challenge won.
Getting right to the point, there are four pillars of optimal health. I’ll walk through each in turn.
FIRST—A
NOTE ON INFLAMMATION
It is known that chronic inflammation is the cause of the great majority of chronic diseases—e.g., heart disease, cancer, diabetes, rheumatologic disease (to skim the surface).
Inflammation is a natural part of the body’s immune response. Acute inflammation is the redness and swelling you get after cutting a finger—visible signs that the body is repairing. Once healed, the body turns off this inflammatory response.
However, sometimes low-grade inflammation persists for months or years. This is chronic inflammation. Unchecked, it can damage the body’s tissues, precipitating major illness.
Notably, while there are many causes of chronic inflammation, the four pillars control and influence many inflammatory stimulants—thus their importance.
Sound Nutrition. We do not lack information about what and how we should eat. Nonetheless, I would emphasize the benefits of purchasing organics: produce, beef, eggs, chicken, and wild seafood to keep pesticides, antibiotics, and artificial fillers out of our bodies. I would advise eating low glycemic index foods—e.g., green vegetables, bran cereals, avocado—to promote weight loss and reduce blood sugar levels. To reduce calorie intake, practice portion control. Finally, educate yourself about emerging benefits from intermittent fasting. Regular Exercise. We know we should exercise. Exercise increases blood circulation, maintains sufficient muscle mass, strengthens joints and bones, improves cardiovascular and respiratory systems, and on and on. Further, exercise enhances mood, increases energy levels, reduces stress, boosts confidence. You can
exercise productively anywhere, at any time, at little or no cost. Go for a walk. Stretch in the kitchen. Move around in the pool. Forego unrealistic workout schedules. To quote Nike: “Just Do It.”
Sufficient Sleep. Try to get at least seven hours a night, every night. A best practice is to have a regular schedule of going to sleep as well as rising. That said, some extremely prolific people thrive on less hours. Sleep inducers include limiting alcohol, reducing light exposure, developing a routine, avoiding negative emotional activities. Such behavior modifications should be refined and prioritized: Aging causes many individuals to have a harder time falling asleep. Sound nutrition and regular exercise promote sleep.
Mental Health. I am a huge proponent of avoiding negative or toxic energy—whether it be local or national news, or people, places or things—that bring you down and prevent you from being the person you know you are or want to be. Our beautiful surroundings promote positivity. Pets bring companionship and humor. We get hung up on things that don’t really matter. Close, reliable, friends are hard to find, but when you do, hold on to them. Good mental health doesn’t require complex treatment—you control your thoughts and mindset.
Dr. Christopher Olenek is Board Certified in Family Medicine. His Vero Beach practice focuses on preventive medicine, longevity medicine, anti-aging medicine, and Urgent Care.
TRENDS, PRICING, DEMAND & LOCATION Market
LOCAL NOTEBOOK:
BY JIM FIELD
REAL ESTATE INSIGHTS
Dramatic and Pricey Changes in the Flood Insurance Market
COMING FLOOD INSURANCE SHOCK
Homeowners have a vested interest in protecting their residence and personal property—for many, their single largest assets—from damages. Conventional home insurance policies cover 10 major perils, including fire and smoke, lightning, windstorms, and vandalism. To protect their investment, mortgage lenders require borrowers to purchase an adequate home insurance policy.
However, standard home insurance does not cover flood damage, which can range from relatively minor water intrusion to completely destroying a dwelling.
Still, for homeowners residing in areas exposed to flooding by natural disaster, managing the largest risks to their homes should include considering the additional purchase of flood insurance. Yet only a very small percentage do—roughly 15 percent in Indian River County.
This article delves into the flood insurance marketplace, explaining how it works, how Vero Beach homeowners are currently impacted, and what major changes in the marketplace await in the future. Indeed, some local residents have already
been impacted—out of the blue. It would not be hyperbole to assert that flood insurance in Vero Beach will be significantly transformed across the next five years.
OVERVIEW OF FLOODING RISK
A nugget of truth: The risk of flooding in Vero Beach is real and elevated relative to the vast majority of locales in the country— we can’t claim an average risk profile.
Across Indian River County, flooding is caused by heavy, rapidly evolving rainfall and from tidal surges and heavy rain accompanying coastal storms, tropical storms, and hurricanes. Flooding sources include the Atlantic Ocean and Indian River Lagoon and its tributaries. Living on the barrier island, you are, by definition, surrounded by water.
Even cursory research on flood damage turns up some startling realities—perhaps less novel in the wake of hurricane Helene:
• Flooding is the most destructive and expensive natural disaster in the U.S.
• Just one inch of flood water can cause $25,000 in damages.
• You are 27 times more likely to experience a flood than a fire during a 30-year mortgage.
A typical Vero Beach homeowner might
reason that their chance of flooding is low enough to forego purchasing primary flood insurance. After all, their home has never been threatened, and hurricanes experienced have only been Category 1-2 storms. Unfortunately, this reasoning defies statistical logic—the fact that specific types of natural disasters will occur according to known probabilities. If a catastrophic event hasn’t occurred recently, this just means that the likelihood that one is going to occur is now higher, escalating each year.
GOVERNMENT CONTROLLED MARKET
The federal government, through the Federal Emergency Management Agency (FEMA), plays a decisive role in defining and operationalizing the U.S. flood insurance marketplace.
More specifically, within FEMA, the National Flood Insurance Program (NFIP) serves as the primary source of flood insurance coverage for U.S. residential properties. Importantly, NFIP sets premium rates for NFIP-backed primary flood insurance policies, which overwhelmingly comprise the total flood insurance market, private insurance carriers being marginal players only.
FEMA employs extensive databases and
analytics to produce Flood Insurance Rate Maps (FIRMs), which graphically delineate assessed flooding risk, providing visibility down to the individual property level. You can access Indian River County’s latest (January 2023) FEMA map by searching online using “Indian River County flood maps” (or some close derivative).
Viewing the map, you will find “Special Flood Hazard Areas” defined by a series of Zone designations, color-coded on the map. Simply described, Zones X, B, and C are least probable for flooding by FEMA’s analyses. Zones A and V are at elevated risk. Take note that all oceanfront properties are assigned Zone VE: Coastal Floodplain. Because of Vero Beach’s geographic orientation, you can see that large swaths of residential properties have Zone A designations.
In setting rates, NFIP’s legacy methodology was to assign similar premiums to homes in similar Zones, regardless of a home’s value, and therefore the cost to rebuild the structure. In effect, those with lower valued homes were subsidizing those with higher
value assets, overpaying for their level of risk.
Much criticized, NFIP introduced a new pricing approach in April 2023, termed “Risk Rating 2.0,” incorporating more flood risk variables. These include flood frequency, multiple flood types—river overflow, storm surge, coastal erosion, heavy rainfall—distance to a water source, and property-specific characteristics such as elevation and cost to rebuild.
Tying this together for a homeowner, go to FEMA’s map and locate your property. Next, identify what Zone it is in. For our purposes, let’s say you’re in Zone A, denoting elevated risk. In purchasing primary flood insurance backed by NFIP, your premium rate will reflect this Zone and the variables outlined in Risk Rating 2.0.
NFIP’S FLOOD INSURANCE COVERAGE
The summary takeaway is this: coverage values aren’t generous if your home is worth a lot, and coverage doesn’t extend beyond the principal structure itself—no outbuildings, pools, hardscaping, etc.
included. Here is what it looks like—just two lines of coverage—residential structures for a family of one-to-four: $250,000 in building coverage, and $100,000 in contents coverage. Note: The premium does not change much depending upon deductible, so experts recommend taking the lowest deductible.
Of course, it is possible to purchase “excess” flood insurance in the private market, but, Florida being Florida from a natural disaster perspective, it’s wildly expensive and offered by few carriers.
APPLYING THIS TO YOU
As a Vero Beach homeowner, if you decide to purchase primary flood insurance backed by NFIP, all you have to do is call an insurance agent and request a policy. The agent will locate a carrier, your FEMA Zone will be confirmed, and variables fed into Risk Rating 2.0, producing a premium amount specific to your property. Anywhere between $1,000-$3,000 is a current rough estimate for a million dollar home in Zone X. Be aware that coverage isn’t guaranteed— you have to qualify. Also, regardless of
Flood insurance in Florida is essential due to frequent storms. It protects homeowners from costly damages and provides peace of mind.
carrier, premium amounts are similar, set by NFIP.
For properties without a mortgage, homeowners can elect to purchase primary flood insurance or forego it, similar to whether or not they choose to purchase a standard home insurance policy.
However, things are different if a mortgage is involved. Historically, banks have not required primary flood insurance for homes located in lowest-risk Zones X, B, and C. Conversely, banks have required flood insurance for properties located in all higher risk zones. For the bank, it’s just additional protection on their investment in the presence of higher disaster risk.
MAJOR CHANGES TAKING PLACE
It doesn’t take a stretch of the imagination to recognize that recent Florida hurricane events, with data updated to FEMA’s models, are creating havoc in both the standard home insurance and primary flood insurance markets. “Havoc” equates to higher costs for more homeowners.
Recent examples include the following. Zone adjustments made by FEMA are placing select properties into higherrisk zones. Banks associated with these properties are notifying homeowners of the FEMA uptick, and the bank’s newly imposed requirement that they purchase primary flood insurance. From a lay person’s perspective, there seems to be no discernable pattern to the remapping/ rezoning; it appears to apply to clusters of homes in and outside gated communities; a lot of it appears to be happening (no surprise) on the barrier island.
Furthermore, some home insurance carriers are requiring select homeowners in Zone X--even if the bank doesn’t—to purchase flood insurance because their properties are contiguous with, or in proximity to, Zones A and V. Some banks are imposing new flood insurance requirements for select Zone X properties—no explanation forthcoming.
There is a larger narrative taking place that Billy Simpson, Vice President, Risk Strategies Company and Vero Beach resident, pieces together nicely. “Over the years, FEMA has grown a heavy debt load and is experiencing funding issues. The new Risk Rating 2.0 is impartial but ends up requiring those with greater assets to pay more. Remapping based upon updated flooding probabilities places more properties into higher risk Zones, increasing numbers of homeowners paying into the premium pool, many at high rates. Add it all up and it produces a
“I’m telling clients, you’re in Zone X today, you might be in Zone A tomorrow or the future, and if you were to try to secure a flood policy after you are mapped higher, you’re going to be paying a lot more. So you might as well purchase a policy now—they can only increase your premium by a certain percentage per year—and lock it in at a comparatively inexpensive price.”
-Billy Simpson, Vice President, Risk Strategies Company and Vero Beach resident
lot more income coming into government coffers. Then again, FEMA’s aggregate risk exposure, especially in coastal areas, is extreme.”
PLAY IT OUT FIVE YEARS
Where is all this headed? Well, there are two things shaping future direction. One, weather probabilities. And two, a bakedin inevitability that costs to homeowners (and taxpayers) are going to continue to increase.
Simpson recommends the following: “I’m telling clients, you’re in Zone X today, you might be in Zone A tomorrow or the future, and if you were to try to secure a flood policy after you are mapped higher, you’re going to be paying a lot more. So you might as well purchase a policy now—they can only increase your premium by a certain percentage per year—and lock it in at a
comparatively inexpensive price.”
As for inevitability, Simpson continues: “Strong storms aren’t going away. We have massive overpopulation in coastal areas. FEMA is struggling financially and going to keep remapping. They just went to Risk Rating 2.0 but could change it again, tomorrow. Rebuilding costs continue skyward. All of this pointing—bottom line—to premiums increasing steadily—the trend is only going one way. Lock in a policy, get it done. Milton is a sobering wakeup: hurricanes, tornados, flooding, it’s all linked and all possible. Homeowners need to protect all too vulnerable assets. It’s anyone’s guess where this goes long-term, given nature’s unpredictability, federal government at the helm—so many things in play. It’s a grand puzzle.”
REAL ESTATE S E C T I O N
BRINGING MORE LUXURY BUYERS AND SELLERS TOGETHER IN VERO BEACH
Escape into our world of more than 10,000 plants. McKee’s unique 18-acre lush jungle landscape supports one of Florida’s most extraordinary botanical collections. Listed on the National Register of Historic places, and recognized by the Garden Conservancy as a preservation project of national significance, McKee Botanical Garden is, as its founders envisioned, a wild place of natural beauty.
McKee Botanical Garden.
PHOTO BY: PAIGE MCINTOSH
The LIV VERO Real Estate Section is sponsored by:
Private Shores. Pristine Beaches. Personal Bliss.
Welcome to John’s Island. A sunny, cherished haven enjoyed by generations who have discovered the undeniable allure of life by the sea. With 1,650 pristine acres, this is truly ocean-to-river living at its finest, where adventures on the river may be mere steps from your backyard, or early morning walks on the warm sands as the sea gently laps at your feet. A picturesque seaside landscape and near perfect climate complement the serene offerings, each of which combine luxury with traditional appeal, architectural details, spacious living areas, and lush grounds. All of our homes take advantage of prime location in a pristine setting. It’s your lifetime, spend it wisely in John’s Island.
A cherished haven enjoyed by generations who have discovered the undeniable allure of life by the sea.
THANK YOU FOR SUPPORTING
Abbate Tile & Marble PAGE 31 abbate.net
Aiello Landscape PAGES 6 & 7 aiellolandscape.com
Alexandra Nuttall Design PAGE 19 alexandranuttall.com
American Heirloom Painting PAGE 79 american-heirloom.net
When it comes time to hit the green, golfers appreciate high-quality terrain. Artificial terrain can be used to set up a home putting green, allowing you to enjoy a golf game in a private location. It’s also great for those who golf with family members, friends, or neighbors. As we have all read or have been told, improving your short game is the key to shaving strokes off your game! STORY PAGE 49.
