October 2024 Issue--LIV VERO Magazine

LIV VERO

TRANSFORMING

Inspired Kitchens

Designer Secrets of Modern Kitchens

Permanent floral design by Carol Vaziri

PHOTO BY VICTORIYA KNAPP

ON THE COVER Inspired Kitchen on Ocean Road in John’s Island. Designed by Catherine Brown Patterson Design. Renovated by Darling Construction. For Vero homeowners looking to revamp their kitchens, understanding the secrets behind inspired kitchen design can be both enlightening and empowering. PHOTO COURTESY OF DAISY BURNS PHOTOGRAPHY

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 October and our Kitchen Issue!

There is nothing comparable to the modern American kitchen.

It is meant to be the hub of the home. It serves dual purposes: culinary and social (are they not one?). It brims with technology. Cabinetry is furniture. Finishes are curated. Lighting is task and ambient. Digitized entertainment eases chores. There is no equal living space in the home, nothing to compete.

In this issue, we feature and delve into a selection of amazing local kitchens. Please consider this a first foray by us into this complex and evolving place. We’ll return again and again to showcase the exceptional.

Continuing our series on working with contractors, our focus shifts to writing an ideal contract, one that sets up your project for success. It’s amazing how one hears about contracts failing clients, often seeding difficulties. We’re excited to share best practices.

In Japan, cherry blossoms represent the transience and fragility of life. A person lives as a cherry petal falls: beautifully and quickly. Juxtapose this symbolism against a heightened interest in “permanent flowers,” which, when expertly made like those featured inside, are indistinguishable from nature’s own, and unchanging. It’s the perfect trend to complement our own desires for a long, healthy life.

Have you noticed that saunas are all the rage? Of course, millions globally across generations understand the health benefits of heat therapy. In our own country, one encounters a few devotees, but not many. Our article outlines the basics of saunas— covering just enough to start you down the path towards ownership. They are surprisingly accessible and affordable. Notably, this issue begins LIV VERO’s regular reporting on boating. And why not?—we’re a beach and intracoastal waterway community. We will advise on safety, gear, having fun. Need we mention that boating is a fantastic way to entertain and get to know people? Well, it sure is.

E. Ocean Oaks Lane

PHOTO COURTESY OF DAISY BURNS

LIV VERO

TRANSFORMING HOMES + ENHANCING LIFESTYLES

CO-PUBLISHER | CO-EDITOR

Jim Field jim@livvero.com

Diane Field diane@livvero.com

CHIEF REVENUE OFFICER

Chris McIntosh chris@livvero.com

CREATIVE DIRECTOR

Roxanne Ricker roxanne@livvero.com

EDITORIAL

CONTRIBUTING WRITERS

Nancy George, Renee Morad ART

CONTRIBUTING PHOTOGRAPHERS

Paige McIntosh: Instagram: @cinepaiige

Daisy Burns: daisyburnsphotography.zenfolio.com

Victoriya Knapp: realestatephotographybyvictoriya.com

Aric Attas: photonlab.com

SENIOR DESIGNERS

Rachel Switall, Maureen Mills

GRAPHIC DESIGNERS

Janelle Wagstaff, Chloe Emme

ADVERTISING AND EVENTS

772-485-4000

DIGITAL

WEBSITE: livvero.com

INSTAGRAM: @livveromagazine

ORCHID ISLAND PUBLISHING GROUP

Vero Beach, FL 32963

President | Jim Field

Partner | Chris McIntosh

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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 3

Interiors

DESIGN, FURNISHINGS, LIGHTING, HOME MEDIA

A Lake Drive kitchen designed and built by Kitchens By Deign in Vero. Custom cabinets are tailored to your space and style, providing unique, high-quality storage solutions that enhance both function and aesthetics.

MUST-HAVES IN A MODERN DREAM KITCHEN

CUSTOM CABINETS, A SLAB BACKSPLASH, DRAWER DISHWASHERS — WHAT’S ON YOUR WISH LIST?

BY CHRISTOPHER MCINTOSH

PHOTOS BY DAISY BURNS

In interior design, aiming high is essential. While you may not always achieve every wish in a project, setting lofty goals often leads to remarkable results. In the realm of your dream kitchen, however, you can indeed have it all—and more. Here, I present my top 11 must-have design features for a dream kitchen. Some are opulent, others are simply practical, but each one is a thoughtful touch worth considering for your next kitchen—even if it remains a dream for now.

1. QUARTZ COUNTERS

Quartz is a designer’s ideal material for several reasons. It’s crafted from natural stone, which gives it the same appealing look as granite or marble. However, it’s engineered to be exceptionally strong, nonporous, and customizable in color, offering a wide range of designs with reliable color consistency (unlike stone slabs, which can present unexpected variations).

This blend of beauty and durability does

come at a cost: quartz is typically pricier than both natural stone and synthetic options, though prices can vary based on composition and manufacturer.

While granite countertops are often highlighted on real estate shows, quartz has firmly established itself as a coveted choice for my dream home.

Source it locally @ Abbate Tile & Marble abbate.net

2. CUSTOM CABINETS

Of course, those stunning counters will need a foundation, so I’ll be adding some sleek custom cabinetry.

Custom cabinets offer distinct advantages over standard stock cabinets. Firstly, they can be tailored exactly to your kitchen’s dimensions, making optimal use of every corner, space between windows, and wall height or length. Secondly, they provide design possibilities that stock cabinets can’t match, especially when integrated with features like a banquette seat or kitchen island. This is crucial for achieving a sought-after transitional style, where the goal is seamless integration without the ultra-minimalist look.

And while white is a popular choice, my dream home’s custom cabinets can be any color I desire.

Source it locally @ Dawn Wallace Designs of Vero 772.999.2691

3. A (TRUE) COUNTER-DEPTH FRIDGE

If you’ve invested in meticulously designed cabinetry, it would be a shame to disrupt its clean lines with a bulky fridge. Plus, oversized fridges often end up cluttered with unnecessary items.

Counter-depth refrigerators align with the standard 24-inch-deep counters for a seamless appearance. However, some models labeled as “counter depth” may still protrude slightly beyond the counter. To ensure a perfect fit, check the precise dimensions of the model you’re considering and coordinate with your installer to confirm that the lines will match flawlessly. Source it locally @ Ferguson in either Melbourne or West Palm Beach

4. DEEP SINK

While a fridge can sometimes be too large, the same isn’t true for a kitchen sink. While typical sinks are around 8 inches deep, opting for a sink that’s 10 inches deep or more—especially a wide one—offers a luxurious ease of use.

A deeper sink makes it practical to fit large pots fully inside for filling or cleaning. Plus, if you leave a few items in the sink to clean later (ideally on a perfectly fitted metal grate), they’ll be out of sight in your seemingly bottomless sink. Extra depth is also beneficial for smaller sinks, like those in a bar, prep counter, or butler’s pantry, as

A hidden range hood blends seamlessly into your kitchen design, offering effective ventilation while maintaining a sleek, unobtrusive appearance.

it helps prevent splash back when rinsing vegetables or pouring liquids.

From personal experience, I can vouch for this. My own kitchen features a deep stainless-steel sink, and I love it. It’s a simple and affordable upgrade that enhances both my dream home and my everyday living space.

Source it locally @ european Kitchen & Bath in Vero 772.362.3187

5. TOUCH-ACTIVATED FAUCETS

To enhance the functionality of a sleek, deep sink, consider adding a touchactivated faucet. These modern fixtures aren’t just for tech-savvy minimalist homes—they come in a variety of styles that fit well with traditional or transitional kitchens.

A touch-activated faucet features a sensor that turns the water on with a simple tap, allowing you to operate the faucet even when your hands are full.

Next time you’re kneading dough or dealing with a mess and need to rinse off, you’ll appreciate the convenience of turning on the water with just a tap from your elbow.

Source it locally @ european Kitchen & Bath in Vero 772.362.3187

6. DRAWER DISHWASHERS

In addition to its sleek appearance, a drawer dishwasher introduces a range of smart features.

Using a full-sized dishwasher for a small load can be inefficient, but a drawer dishwasher allows you to clean each half separately, offering greater flexibility based on your load size. You can run one drawer while filling the other, so you can clean frequently used items immediately while letting others accumulate until later. No more waiting an extra day to get the dishes done in my dream home.

Source it locally @ Ferguson in either Melbourne or West Palm Beach

7. HIDDEN RANGE HOOD

I considered adding a dramatic, eyecatching range hood to my ideal kitchen, but I was also drawn to one that seamlessly integrates into custom cabinets, like the one shown here. In the end, I realized there’s no compromise: the best range hoods are either bold focal points or discreetly concealed, allowing other elements of the kitchen to take center stage.

Source it locally @ Ferguson in either Melbourne or West Palm Beach

A waterfall marble countertop cascades elegantly down the sides, creating a seamless, luxurious look with its smooth, flowing design.

Hammock Way

8. STEAM-CONVECTION OVEN

Want to enhance your cooking? Convection ovens improve upon traditional ovens by circulating hot air for more even cooking, making them a modern kitchen must-have. But the latest advancement takes this further with steam-convection combination ovens, which some believe offer superior texture and nutritional benefits.

Cooking with steam helps retain more moisture—and thus more vitamins— compared to baking or boiling. This makes a steam-convection oven not only a standout feature in my dream kitchen but also a step toward healthier eating.

Source it locally @ Ferguson in either Melbourne or West Palm Beach

9. PRO-STYLE GAS RANGE

Steam-convection ovens are undeniably advanced, but for the range-top, nothing rivals the look and performance of chefstyle burners. With classic red knobs adding a splash of color and exposed burners that exude a “ready to cook” vibe, this type of gas range brings both power and style to the kitchen.

Source it locally @ Capritta Appliance in West Melbourne caprittaappliances.com

10. DEEP DRAWERS

This may not be groundbreaking, but it remains a key feature in my dream kitchen. Replacing standard lower cabinets with deep drawers—one or two per traditional cabinet box—offers easy access to everything from large pots to stacks of dinnerware.

For even better organization, drawer divider systems can create perfectly sized compartments, ensuring everything has its place and can be adjusted as needs evolve. Deep drawers are also an affordable upgrade, as many companies offer these units at the same price as a standard threedrawer model.

Source it locally @ Dawn Wallace Designs of Vero 772.999.2691

11. SLAB BACKSPLASH

I thought my dream kitchen was complete with the deep drawers, but I realized it needed one final touch: a stunning, statement-making stone feature. The latest kitchen trend moves away from standard tile backsplashes in favor of a dramatic slab backsplash made from the same material as the countertops. If you love your quartz counters, showcasing the same material on the backsplash allows you to enjoy its beauty from every angle.

Source it locally @ Abbate Tile & Marble abbate.net

I’m not being greedy—this is my dream kitchen vision, for now. LIV VERO!

A full marble slab backsplash in a kitchen offers a stunning, continuous surface that enhances elegance and luxury with timeless beauty.

A pro-style gas range offers powerful performance, precise temperature control, and durable construction, bringing professional-grade cooking to your kitchen.

Pulldown Faucet – Lever Sprayer

Available from waterstoneco.com

2 Waterstone Fulton Industrial Prep Size PLP

La Cornue CornuFé 110 Range in Ocean color

Hammerton Studio Nebula

Collection Nova Pendant artisan blown crystal glass with LED-illuminated cast crystal glass diffuser

Visit LED Capstone to see the many styles of Lighting Artwork.

Vero Showroom or ledcapstone.com

Scaled for the home kitchen, the CornuFé 110 features a professional-style cooktop with five powerful gas burners and double electric convection ovens fitted with side-swing doors.

Available at williams-sonoma.com

Laguiole Carving Set 13.5 inch length

Available locally at Consider the Cook on Ocean Drive in Vero | considerthecook.com

Stunning Marble Slabs

Cristallo

GUEST DESIGNER

DAWN WALLACE, FOUNDER & PRINCIPAL DESIGNER

Dawn Wallace is a highly regarded kitchen designer based in Vero Beach, Florida, known for her innovative and personalized approach to kitchen design. With a career spanning over two decades, Dawn has established herself as a leading expert in creating functional and aesthetically stunning kitchens that transform the heart of the home.

At Dawn Wallace Designs, Dawn is known for her meticulous attention to detail and her ability to harmonize style with functionality. Her design philosophy centers around understanding her clients’ lifestyles and preferences, which she translates into spaces that are both elegant and efficient. Whether it’s a sleek, modern kitchen or a warm, traditional space, Dawn’s designs reflect her commitment to excellence and her deep understanding of current trends and timeless principles.

1. Cabinetry is Wood-Mode Fine Cabinetry.

2. The door style features a sleek, contemporary slab design in white high-gloss back-painted glass paired with rift-cut veneer. We aimed to infuse the space with a modern touch while maintaining a warm atmosphere. Unlike standard flat slab doors, these high-gloss glass doors offer a rich, multidimensional effect. They are both writable and magnetic, adding practicality to their elegance. The brushed chrome frames enhance the ultra-modern aesthetic.

3. Adding warmth to the glass was a key priority for the client, so we incorporated

champagne-stained rift-cut veneer in a matching slab door style. The veneer’s horizontal grain direction adds a touch of modern sophistication.

4. The design ensures ample storage and easy access to every item, with dedicated spaces for everything. The wide, deep drawers are a standout feature, designed for convenience and durability, capable of holding up to 135 pounds.

5. The island features a streamlined design with no toe kick niche, and glass doors extend all the way to the floor, contributing to its sleek and seamless appearance.

PHOTO COURTESY OF DAWN WALLACE DESIGNS

Oyster Cut Kitchen

Writing a RESIDENTIAL BUILDING CONTRACT

An Overview of Key Provisions to Include

BY JIM FIELD

Awritten contract should be mandatory for residential new construction and renovation projects. Absent this document, both client and builder are flying blind. For small undertakings, the contract may address a few key issues. As a project grows in size and complexity, the contract too should expand.

A building contract’s overarching purpose is to protect both client and contractor interests. A balanced agreement is essential to a trusting and productive relationship. Both parties should collaborate in

developing a document that each has confidence in.

In practical terms, a contract defines and communicates both parties’ expectations about how the project will proceed. Considered in aggregate, various provisions constitute a roadmap delineating responsibilities and accountability—before work begins.

Projects involve significant sums of money and problems will inevitably arise—circumstances that may lead to disagreement or conflict. Contracts can aid in minimizing misunderstandings and resolving disputes before they get out of hand. Should the relationship sour, a pathway to termination can be defined. This article highlights provisions that

are important to consider when devising a contract. Caveat: the treatment below is neither encyclopedic nor a substitute for legal assistance. Still, it will bring you up the learning curve quickly.

CRITICAL CLAUSES

There are many possible sources of residential construction contracts. A builder may have a preferred format, tailored to its business practices, and used routinely with clients. Alternatively, a lawyer specializing in residential construction may have experience with options.

In practice, builder or owner can suggest a format. As the client, however, know that it is ultimately your responsibility (working with your lawyer) to develop and sign a

Allowances in a residential build project set budget limits for certain items, allowing adjustments based on actual choices and costs.

contract that you are comfortable with, willing to be governed by, and enforce if necessary.

Reviewing contracts executed by builders and clients, you’ll find marked differences. Some are lengthy and detailed, others short and sweet. Either way, effective contracts tend to incorporate the following passages. (Note: language and order will vary.)

Scope of Work. This clause defines your project in detail. One component is drawn plans, depicting what the finished project will look like. A second component is written specifications, delineating such things as materials, installation, performance requirements (e.g., HVAC system). Without a comprehensive Scope of Work, your project will be amorphous, opening the door to varying interpretations of what the project included.

Commencement and Completion Times.

Assuming some delays, if your project must be completed by a fixed date, you can include language to define this and even impose late penalties. There are two terms to agree on with your contractor. “Substantial completion” means the building can be occupied, although a “punch list” remains. “Final completion” is when all work is finished and inspected, and all contract

terms have been met.

Exclusions. Some contractors insist on providing all materials, labor, and subcontractors. Others allow exclusions, albeit taking no responsibility for the quality, condition, performance, or warranty of items you pay for directly. On allowed exclusions, the contractor is not entitled to apply a “markup” percentage (comprised of overhead and profit amounts) on these costs. This is important. Let’s say you want to work directly with a cabinet company. Absent this clause, you would have to pay your contractor’s markup on cabinet costs, even though you did all the leg work, paid the firm, with the cabinet firm installing. Be absolutely clear what work the contractor will do, and what work you will secure.

Allowances.

In building a budget, contractors use “allowances” to estimate the cost of materials and/or work elements that have not been accurately scoped or selected at the time of contract signing. If allowances are set too low (perhaps as a ploy to keep total contract price down), clients can be shocked when true cost figures come in. Careful record keeping, documenting all receipts and

invoices, must be done to determine the accuracy of an allowance. If an allowance exceeds the true cost, the client is owed money, and vice versa. To avoid allowances, make product selections and establish input costs as early as possible. Pricing and Payment Schedule. Under a fixed-price contract, fill in the agreed upon total cost of the project. Second, subtract your down payment. Third, prepare a schedule of payments (i.e., “draws”), detailing their frequency/number, dates, and amounts. Lastly, a final payment should be predicated on specific conditions being met: e.g., all work completed and inspected, client receipt of all warranties, a lien release for subcontractors, vendors, suppliers. With a cost-plus contract, there is the added complication of defining—to your satisfaction—the contractor’s markup amount and how it will be applied. Changes in Work. Projects will change as they progress—items added, modified, deleted. When this occurs, a Change Order is prepared and signed by the builder and client. The Change Order form should describe the work in detail and its cost, stipulating if the contractor‘s markup will be applied, or be refunded in the case of cancelled work. Absent an exacting Scope

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of Work, the Change Order process will be fraught with problems. The contractor, for example, might consider a work item to be new and want additional money, while the owner might consider it included.

Inspection and Correction of Work. This establishes that the owner and/or owner’s representative retains the right to inspect work at all times. Should they find work of substandard quality, the builder, upon notification, must immediately correct the work at its expense.

Refund for Damage or Defective Work. This allows the client to reduce payment due the builder for the cost of repairing damage or defective work caused by the contractor or subcontractors and suppliers, if the contractor does not correct the deficiencies within a specified time period after notification by the client. Insurance. Construction sites can be dangerous. Without adequate insurance coverage on the part of the builder and subcontractors, the owner can be held liable for claims for personal injury or death. Before starting work, the contractor and subcontractors should provide certificates of adequate coverage relating to workers’ compensation, comprehensive general liability, automobile liability. (Suggestion: owners should consider Builder’s Risk Insurance to cover incidents such as theft, vandalism, fire, wind, lightning.) Warranties. Defective work is not always

apparent in-the-moment, but may take time to fail and be noticed. This is where you define the scope/type of work and duration of time for which the contractor will extend an unconditional quality guarantee. Typically, warranties apply to quality of materials, quality of work performed, and damage to the structure due to any failure in the builder’s work, for a period of twelve months.

Dispute Resolution. Civil litigation in residential contract disputes—considering money and time invested—should be a last resort. It is always preferable to work things out through discussion and negotiation. Should this fail, Small Claims Court is one avenue. A second option is to attempt a mutually-agreeable, non-binding outcome using a mediator. Many contracts call for mediation first, and if unsuccessful, mandatory referral to arbitration, involving lawyers, a professional arbitrator, and arbitration hearing. The decision of the arbitrator is binding and the right to appeal limited.

Contract Termination. This clause empowers both the owner and builder to terminate the contract should the other party fail to meet obligations of a serious nature. A serious breach by the owner might be a missed payment. For the contractor, material infractions could be failure to initiate work on time, make steady progress, execute conditions stated in the

contract. As an owner, you should notify the contractor in writing of a serious default, describe it in detail, with termination to occur if the default is not corrected after a specified time period.

A few closing thoughts. Be aware that contracts attempting to address every conceivable risk/contingency can easily encompass dozens of possible clauses. All terms should be open to discussion and negotiation. If a potential builder will not partner to write a contract, look elsewhere. Finally, against everything you want a contract to accomplish, make sure it achieves at minimum the following: (1) identifies stipulations most important to you (2) identifies where conflict is most likely, and (3) ensures language in these provisions is airtight.

Contracts are imperfect instruments for governing behavior. As such, successful projects will require a high degree of trust, reasonableness, negotiation, and compromise, between parties. Make sure both parties embrace this understanding going into a project.

Contractor Series

This is the third of a four-part series on contractors. NEXT IN THE SERIES

• How to Safely Navigate a Cost-Plus Contract

Scope of Work: This clause details your project, including drawn plans that illustrate the finished project’s appearance.

A H AMERICAN HEIRLOOM

The Cellar

Uncorking the Secrets of RED WINE

Elevate Your Dining Experience in Vero Beach

BY CHRISTOPHER MCINTOSH

BY LIV VERO STAFF

When it comes to creating a memorable dining experience, few things can rival the pairing of a rich, velvety red wine with a well-crafted meal. In Vero Beach, where the local culinary scene is as vibrant as our coastal sunsets, understanding how to pair red wine with dinner can elevate your dining experience from enjoyable to extraordinary. Here’s a guide to mastering the art of red wine pairings and bringing a touch of sophistication to your next meal.

UNDERSTANDING THE BASICS: TYPES OF RED WINE

Before diving into pairings, it’s essential to understand the diverse world of red wine. From bold and robust to light and fruity, red wines come in many varieties, each with unique flavor profiles. Here’s a quick rundown of some popular types:

Cabernet Sauvignon: Known for its fullbodied nature, Cabernet Sauvignon boasts rich flavors of blackcurrant, blackberry, and sometimes a hint of green bell pepper. Its tannic structure makes it a perfect companion for hearty dishes.

Merlot: Often softer and more approachable, Merlot offers flavors of plum, cherry, and chocolate. It’s versatile, pairing well with a range of foods from roasted meats to pasta dishes.

Pinot Noir: Light to medium-bodied with notes of red fruit, such as cherry and raspberry, Pinot Noir is known for its delicate nature. It pairs excellently with dishes that feature earthy ingredients, like mushrooms or poultry.

Syrah/Shiraz: With bold flavors of blackberry, plum, and black pepper, Syrah (or Shiraz, as it’s known in Australia) is a great match for spiced dishes and grilled meats.

Zinfandel: Known for its high fruitiness and often peppery kick, Zinfandel works well with dishes that have a bit of sweetness or smokiness, such as barbecue.

PAIRING RED WINE WITH DINNER: THE ART OF BALANCE

The key to successful wine pairing lies in balancing the flavors and textures of

PHOTOS

both the food and the wine. Here are some timeless pairings to consider:

Steak and Cabernet Sauvignon: A classic combination, the bold flavors of a perfectly cooked steak are complemented by the robust nature of a Cabernet Sauvignon. The wine’s tannins cut through the richness of the meat, while its fruity notes enhance the steak’s flavor.

Roasted Chicken and Pinot Noir: The lighter, more nuanced flavors of Pinot Noir make it an excellent match for roasted chicken. The wine’s acidity and fruitiness complement the bird’s savory seasoning, while its subtlety ensures it doesn’t overpower the dish.

Spaghetti Bolognese and Merlot: A rich, tomato-based sauce like Bolognese pairs beautifully with Merlot. The wine’s soft tannins and fruity notes blend well with

peruse an impressive collection of over 10,000 bottles, featuring both celebrated regions and lesser-known treasures. Rob and the rest of the knowledgeable staff are ready to help you choose the ideal bottle to pair with your meal. Plus, they offer a selection of 130 cheeses and imported meats to complete your culinary adventure. Cooper’s Chop House, a new local favorite also on Royal Palm Pointe, showcases a thoughtfully curated wine list and delectable food pairings. Their menu often highlights specials that complement their wine selections perfectly, offering a fantastic chance to explore a range of flavor combinations.

the tomato’s acidity and the meat’s richness, creating a harmonious flavor profile.

Barbecue Ribs and Zinfandel: The sweet and spicy flavors of barbecue ribs find their perfect match in a Zinfandel. The wine’s fruitiness and peppery notes mirror the rib’s flavors, making for a satisfying pairing.

Mushroom Risotto and Syrah: For dishes featuring earthy ingredients like mushrooms, Syrah is an excellent choice. Its bold flavors and peppery finish enhance the umami of the mushrooms, creating a rich and layered dining experience.

LOCAL RECOMMENDATIONS:

VERO BEACH’S WINE SCENE

In Vero Beach, you’ll find several local spots with outstanding red wine selections to elevate your wine experience. At Varietals and More on Royal Palm Pointe, you can

For a more interactive experience, Vino Vero on Ocean Drive will begin hosting tasting events and wine education classes this month. These sessions offer an excellent opportunity to learn about wine pairings from experts like Dana, all while savoring some of the finest local and international selections.

FINAL THOUGHTS: A TOAST TO YOUR NEXT DINNER

Pairing red wine with dinner is as much an art as it is a science. The joy of discovering which wines complement your favorite dishes adds an extra layer of pleasure to your meals. In Vero Beach, where dining is a celebration of both local ingredients and global flavors, the right red wine can transform any dinner into an exceptional experience. So, uncork a bottle, savor the flavors, and let the magic of red wine enhance your next meal.

Cheers to many delightful dinners ahead!

LIV VERO !

The most expensive red wine still belongs to this vintage, a surprisingly young wine, a six-liter bottle of Cabernet from Napa Valley. Screaming Eagle Cabernet 1992 $500,000.

Over 10,000 bottles at Varietals and More

HARDSCAPE, GARDEN, POOLS, DESIGN, NATURE

The palm cixiid (Haplaxius crudus) feeds on sap from an infected tree and spreads the disease by hopping to nearby palms.

Landscape FLORIDA GETS THE BRONZE

Timely Action Necessary to Save Our Palms

BY NANCY GEORGE

No, I’m not talking about an Olympic event. I’m talking about Lethal Bronzing Disease (LBD), which is killing palm trees across Florida, including Indian River County. By the time a palm tree exhibits the trademark coloration of its fronds, it’s beyond treatment. LBD is caused by an insect-carried bacteria, phytoplasma palmae, which infects the palm’s vascular tissue (phloem)—the conduit transporting sap. The vector insect, the palm cixiid (Haplaxius crudus), feeds (by piercing-sucking) on sap of an infected tree, then spreads the disease by plant hopping to nearby palms. Notably, since the phytoplasma pathogen can only survive in a live plant, it cannot be transmitted on gloves or tools. Unfortunately for homeowners, lawn grass is a host for palm cixiid larvae.

ORIGINS

Thought to have origins in Jamaica, the disease was first identified in Texas in 1980 and named Texas Phoenix Palm Decline before being renamed Lethal Bronzing Disease. It was identified in Florida as early as 2006 and has spread to over half of Florida’s 67 counties.

IDENTIFYING LBD

Palm fronds don’t last forever, but discolor, droop, and die naturally as the tree grows. Depending upon the species of palm tree, dead fronds, often gray-brown-tan in color, will either fall naturally to the ground or require pruning.

Landscape

In contrast, fronds of infected trees are reddish bronze and hang straight down against the trunk. For fruit-bearing palms— e.g., coconut, date, queen palms—flower blackening or premature fruit drop are early LBD symptoms. For non-fruit species, first signs of leaf bronzing are observable four to five months after infection.

Leaf bronzing starts with the oldest (i.e., lowest) leaves and progresses upward to younger fronds. When the spear leaf (the palm’s highest leaf) turns brown, indicating the heart or bud of the palm has died, the tree is finished. Time from first bronzing to spear leaf collapse is roughly two to three months.

PALMS AFFECTED

Sadly, many popular palms are susceptible to LBD. The University of Florida lists 16 species known to host the pathogen. The most common victim is the prized Canary Island Date Palm. Other susceptible date palms include the Edible Date Palm, Pygmy Date Palm, and Wild Date Palm. Among common Indian River County species, the Sabal Palm (Florida state tree), Coconut Palm, Christmas Palm, Cabbage Palm, Queen Palm, and Chinese Windmill Palm, are perishing.

FIRST RESPONSE

Prudent gardeners will survey their landscaping assiduously. Actively migrating among trees, the palm cixiid can spread infection rapidly. Once a palm with LBD symptoms is spotted, that tree should be removed immediately to prevent neighboring trees from becoming exposed.

TESTING

Palm trees can be tested for the LBD pathogen. In Indian River County, a genetic DNA test can be accessed by contacting the UF/IFAS Extension located in Building B at the County’s government offices (see details below). A core sample is taken and submitted to a UF/IFAS laboratory in Ft. Lauderdale. The cost is billed by hours spent onsite at a rate of $75 per hour. Alternatively, a diagnosis can sometimes be established by photographs. Staff provide an email detailing parts of the tree to snap, along with questions to establish context (e.g., who planted the palm and when, how it’s irrigated and fertilized).

TREATMENT

Infected trees regardless of stage are doomed. However, trees found healthy by testing can be treated with the antibiotic oxytetracycline hydrochloride (OTC-HCI). Select pest control companies provide this service. Injections occur every three to four months in perpetuity. The cost is roughly $70 per tree, per injection (price will vary by size of tree and number of trees). To promote overall palm health, companies may recommend other nutrients administered simultaneously with injections.

“The cost of treatment needs to be weighed against the value of the palm to the owner,” says Pat Rogusky, General Manager at SOS Pest Services in Vero Beach. “Some palms are prized specimens worth investing in. This disease can strike out of nowhere. What price do you place on your current palm trees, plus cost of replacement.”

COMMON NAME SPECIES INFECTED BY LETHAL BRONZING DISEASE

• Christmas Palm

• Bismark Palm

• Pindo Palm

• Carpentaria Palm

• Coconut Palm

• Chinese Fan Palm

• Canary Island Date Palm

• Edible Date Palm

• Wild Date Palm

• Fiji Fan Palm

• Buccaneer Palm

• Mexican Palmetto

• Cabbage Palm

• Queen Palm

• Chinese Windmill Palm

A complementary preventative is to apply an insecticide in July-August to turfgrass below susceptible palms. “You’ve got kill the palm cixiid at its source each year,” Pat emphasizes. “This is an easy, inexpensive way to protect your palms.”

IMPACT AND RESPONSE

LBD has the potential to denude residential neighborhoods of many gorgeous palms. Residents need to be proactive, examining and testing susceptible trees, removing infected trees, safeguarding healthy palms with antibiotic injections. Importantly, neighbors should work in partnership to prevent and deal with LBD.

On my property, I am about to remove several Sabal palms. Most already show bronzing, and some are asymptomatic but very close to infected trees. I understand how hard the decision is, dealing with it myself, given the loss of shade and privacy. On the bright side, misfortune brings an opportunity to revisit your landscape plan.

In my next article, I’ll profile exceptional plants to use as replacements—not the usual “filler” trees used by some landscapers.

University of Florida/Institute of Food and Agricultural Sciences Extension Office 1800 27th Street, Building B, Vero Beach, FL 32960 Office: 772-226-4330 Website: indian@ifas.ufl.edu

Leaf bronzing starts with the oldest leaves and moves upward. When the spear leaf turns brown, the palm’s heart has died, and the tree is finished.

Finishes

DESIGN, FURNISHINGS & STAGING

KITCHEN HARDWARE SIMPLIFIED

Just the Basics Please

BY DIANE FIELD | PHOTOS BY LIV VERO STAFF

Kitchen hardware is the unstylish name given to devices that open and close cabinetry. The French translation is nicer: “materiel de cuisine.” Perhaps we should adopt it.

There are two things to state upfront when discussing hardware. First, there are no firm rules governing its use in your kitchen—anything goes.

Second, some have equated kitchen hardware to jewelry: “Jewelry reveals something important about the person wearing it. Hardware is the jewelry of your kitchen.” Frankly, I find this overdone. The vast majority of hardware you see is not meant as a focal point.

Selection is what makes kitchen hardware an intriguing, and yes, overwhelming, topic. The inventory of possibilities is nearly endless.

Thankfully, complicated subjects can be simplified by breaking the whole into parts.

Essentially start simple and add detail as you go.

I’ve put together a bare-bones guide. It should give you enough to be comfortable surfing online and visiting a showroom.

TWO OVERARCHING PURPOSES

What does hardware do? Well, a great question to frame things.

Function: To Open and Close. This is something we know—hardware is handmanipulated to access cabinet space. The key point is that hardware is a tool.

Design: To Bring Together. Aesthetically, hardware should bring a cohesive, coordinated look to your kitchen, creating visual harmony among design elements. While itself a design element, think of hardware as a thread that ties everything together.

HARDWARE TYPES

There are only a few hardware types at your disposal. There will be various styles of each, but first you select a basic type. Knob. Small device secured by one screw. Used for drawers and cabinets, best for moving smaller/lighter objects. Shapes include: mushroom, round, square, oval, rectangle, geometric, cylindrical. Backplates protect cabinet finish from dirt, scratches. Pull. Features a bar-like configuration that attaches at each end, necessitating two screws. Best for larger/heavier drawers and cabinets. Greater visual statement. Shapes include: bar, arch, ring, drop-handle, recessed, finger, cup (also called bin), appliance. Also come with backplates. Cremone Bolts. Most often seen on casement windows or French doors. Feature a handle attached to upper and lower rods. Depending on direction handle is turned, rods will slide into or out of sockets.

HARDWARE MATERIALS AND FINISHES

Having committed to one or more types, next you chose a material, and if applicable, finish.

Materials. Metals dominate. Some have a metal core and surface veneer. Popular choices include: brass, bronze, chrome, nickel, stainless steel, copper, gold, iron. Metal components can be combined with other materials to create hybrid items. Knobs are versatile: wood, all metals, glass,

Aesthetically, hardware should bring a cohesive, coordinated look to your kitchen, creating visual harmony among design elements.

crystal, lucite, stone, porcelain, and more. Finishes. Not all metals accommodate certain finishes: brushed, polished, aged, rubbed, oil-rubbed, antique, satin, matte, flat, bright, gunmetal, hammered, black, painted, and more.

HOW TO SELECT

There are two considerations to narrow choice right out of the gate.

Function First. Kitchen hardware is used incessantly each day. Foremost, it should perform its task of movement properly. Secondarily, it should feel good to touch and grab relative to hand size.

Kitchen Decor. Hardware should support and complement the overall style of your

kitchen and home. How would you describe your look: e.g., modern farmhouse, cottage, mid-century modern, modern, minimalist?

LATEST TRENDS

Tastes in hardware change as night follows day, Still, it’s fun to explore what’s considered cutting edge.

Minimalism. Sleek, clean, barely visible. Thin pull bars, simple knobs. To showcase exceptional cabinetry, now “handleless” kitchens.

Mixed Metals. Not new, but ever-popular. Idea is to mix warm and cool metals, minimize different finishes.

Matte Black. Embodies minimalistic feel, even when providing striking contrast against light-colored cabinetry. Understated, sophisticated, edgy.

Artisan Pieces: No limit to creativity. Intricate shapes, sensual textures, exotic materials—effectively sculptural statements.

Color and Glam. Done selectively. Color pop to surprise. Crystal, rhinestone diamonds, acrylic, bling. Be funky, playful— reveal your inner self.

Designer Secrets of Modern Kitchens

Inspired Kitchens

BY

CHRISTOPHER MCINTOSH | PHOTO BY DAISY BURNS

In the world of interior design, the kitchen stands as both a functional workspace and a hub of family life. As trends evolve and technology advances, modern kitchens are becoming increasingly sophisticated. This transformation is driven by the interplay of aesthetics, functionality, and innovative design principles. For Vero homeowners looking to revamp their kitchens, understanding the secrets behind inspired kitchen design can be both enlightening and empowering.

THE ESSENCE OF MODERN DESIGN

At the heart of modern kitchen design is simplicity. This doesn’t mean bland or uninspired, but rather a focus on clean

lines, minimal clutter, and a harmonious blend of materials. Modern kitchens often feature flat-front cabinetry, sleek countertops, and high-quality materials that exude a sense of understated luxury.

Designers like Gregory Allan Ness & Crystal Lemley of Coastal Interiors champion this philosophy, advocating for spaces that feel both fresh and timeless. The use of neutral color palettes—whites, grays, and soft earth tones—creates a serene backdrop, allowing the functionality of the space to take center stage. This approach not only makes the kitchen visually appealing but also ensures it remains relevant as design trends evolve.

FUNCTION MEETS FORM: THE IMPORTANCE OF LAYOUT

A well-designed kitchen layout is the cornerstone of both efficiency and aesthetics. The classic work triangle— encompassing the stove, sink, and refrigerator—remains a fundamental principle. However, modern interpretations often involve more flexible and multifunctional arrangements. Designers now

emphasize the importance of personalized layouts that cater to the specific needs and habits of the homeowner.

For instance, the introduction of island counters has revolutionized kitchen design. These islands serve multiple purposes: they offer additional prep space, can house cooktops or sinks, and often include seating areas for casual dining. The key is to integrate the island seamlessly into the overall design, ensuring it complements the space rather than overwhelming it.

INNOVATIVE STORAGE SOLUTIONS

In contemporary kitchens, smart storage solutions are essential. The focus is on maximizing every inch of space while maintaining a clean and uncluttered appearance. Pull-out pantries, deep drawers with dividers, and built-in appliance garages are just a few examples of how modern kitchens address storage needs.

Designers like James and Jen Johnson from Island Breeze Kitchens in Vero advocate for incorporating cabinetry

Sabal Palm Lane.

PHOTO COURTESY OF ARIC ATTAS CREATIVE DESIGN BY THE ASSOCIATES STUDIO & CLEMENS BRUNS SCHAUB

that goes up to the ceiling, effectively using vertical space. This not only adds storage but also contributes to the room’s sleek, streamlined look. Additionally, the rise of modular and customizable cabinetry systems allows homeowners to tailor storage solutions to their unique requirements, whether that means accommodating an extensive cookware collection or creating designated spaces for recycling and waste.

THE ROLE OF TECHNOLOGY

Technology is a major driver of modern kitchen design. From smart appliances to integrated lighting systems, technological advancements are enhancing both the functionality and convenience of the kitchen. Smart refrigerators with touchscreen interfaces, voice-controlled ovens, and app-connected faucets are becoming increasingly common.

Designers like Jon and Dee Dee of european Kitchen & Bath emphasize the integration of technology in ways that are both practical and aesthetically pleasing. For example, incorporating touchless faucets or under-cabinet lighting that adjusts based on time of day or task can significantly enhance the kitchen experience. Additionally, the integration of home automation systems allows for seamless control of lighting, temperature, and even appliances, all from a smartphone or tablet.

MATERIALS AND FINISHES: A STUDY IN CONTRAST

The choice of materials and finishes plays a pivotal role in modern kitchen design. A trend towards high-quality, natural materials—such as marble countertops, hardwood flooring, and custom cabinetry— brings a sense of luxury and durability. However, it’s the contrast between these materials and modern elements like stainless steel or glass that creates a dynamic and engaging space.

Designers Sadun Suranofsky of Kitchens By Design in Vero often use a mix of textures and finishes to add depth and interest. For instance, pairing a sleek, glossy cabinet finish with matte black hardware or combining natural stone countertops with minimalist metal fixtures can create a sophisticated look. The use of contrasting materials also helps define different areas within the kitchen, such as separating the cooking zone from the dining area.

Ocean Ridge. PHOTO COURTESY OF DAISY BURNS Lake Drive. PHOTO COURTESY OF DAISY BURNS

Island Creek Drive in John’s Island. DESIGN & PHOTO BY COASTAL INTERIORS.

LIGHTING: THE UNSUNG HERO

Lighting is often an overlooked element in kitchen design, but it is crucial for both functionality and ambiance. A welldesigned lighting scheme incorporates multiple layers: ambient lighting for overall illumination, task lighting for work areas, and accent lighting to highlight architectural features or design elements. Pendant lights over an island, undercabinet lights to illuminate countertops, and strategically placed recessed lighting can all contribute to a well-lit, inviting kitchen. Lighting experts Mitchel & Teresa Zavala from LED Capstone Lightning & Fans recommend layering these different types of lighting to create a versatile space that can adapt to various activities, from cooking to entertaining.

PERSONAL TOUCHES AND CUSTOMIZATION

While modern kitchens embrace certain design principles, there’s ample room for personalization. Adding unique elements, such as custom cabinetry, bespoke backsplashes, or personalized decor, can make a kitchen truly one-of-a-kind. All the above Vero Beach kitchen designers we spoke with encourage homeowners to infuse their personalities and preferences into the space, ensuring it reflects their lifestyle and tastes.

For instance, incorporating a vintage or artisanal piece as a focal point—whether it’s a custom range hood, a handmade tile backsplash, or a unique light fixture—can add character and warmth to the kitchen. Personalized touches not only enhance the visual appeal but also create a space that feels uniquely theirs.

SUSTAINABILITY AND ECO-FRIENDLY

CHOICES

As awareness of environmental issues grows, many modern kitchen designs incorporate sustainable practices. From using recycled materials to selecting energy-efficient appliances, designers are increasingly focused on creating ecofriendly spaces.

Choosing materials with low environmental impact, such as bamboo cabinetry or recycled glass countertops, can contribute to a more sustainable kitchen. Additionally, incorporating energy-efficient appliances and fixtures not only reduces the environmental footprint but also often results in long-term cost savings for homeowners.

A VISION FOR THE FUTURE

Inspired kitchen design is a harmonious blend of style, functionality, and innovation. By focusing on clean lines, smart layouts, and high-quality materials, designers create spaces that are both beautiful and

practical. As technology and sustainability continue to shape the industry, modern kitchens will undoubtedly evolve, offering even more opportunities for personalization and efficiency.

For those embarking on a kitchen renovation or seeking inspiration for a new design, understanding these key principles can help transform a functional space into a truly inspired kitchen.

Local Kitchen Designers & Showrooms

Coastal Interiors coastal.net

Kitchens By Design kitchensvero.com

Island Breeze Kitchens

islandbreezekitchens.com

european Kitchen & Bath europeansink.com

Dawn Wallace Designs wood-mode.com

LED Capstone Lighting & Fans ledcapstone.com

Abbate Tile & Marble Abbate.net

Owens Custom Rugs / Flooring Owenscustomrugs.com

Renfrew Avenue. PHOTO COURTESY OF ARIC ATTAS CREATIVE

forever the artistry of

blooms

Timeless Elegance in Every Bloom

BY CHRISTOPHER MCINTOSH

PHOTOS BY VICTORIYA KNAPP

in the world of floral design, where ephemeral beauty meets eternal elegance, Carol Vaziri stands out as a masterful artisan whose creations transcend the ordinary. As the principal floral designer and founder of Decor

Accents, Vaziri has transformed the realm of permanent florals, imbuing them with a sophistication and lifelike quality that often blurs the line between the artificial and the natural.

The showroom showcases a varied selection of ready-made floral arrangements, highlighting Vaziri’s dedication to quality and attention to detail.

A FLORAL VIRTUOSO

Carol Vaziri’s journey into the world of floral design began with a passion for nature’s splendor, her creativity and an eye for detail. Her expertise is not merely about arranging flowers but about creating an experience that evokes the same awe and admiration as a real floral display. With years of experience and a keen understanding of botanical accuracy, Vaziri has redefined the potential of artificial florals. Her work showcases an impressive blend of technical skill and artistic vision, resulting in designs that are not only beautiful but also meticulously designed to reflect the natural world’s complexity, grace and elegance.

THE DECOR ACCENTS EXPERIENCE

Carol and Dariush Vaziri brought Decor Accents to Vero Beach in 2013, establishing it as the premier destination for modern and sophisticated home decor on Florida’s Treasure Coast.

“At Decor Accents, we embrace the philosophy that elegance is in simplicity”, they often say!

Over the past 31 years, Decor Accents has evolved from its origins as Carol V. Designs—a home-based floral design and décor business founded by Carol Vaziri in Binghamton, New York, in 1993. Carol’s exceptional vision, refined taste, and artistic talent quickly made her the most sought-after floral designer and home decorator in upstate New York.

In 2009, after moving to the Atlanta area, Carol’s passion led to the launch of Decor Accents as a retail store in Peachtree City, GA, where it swiftly became a go-to

destination for discerning clients. Following relocation to Vero Beach in 2013, Decor Accents has continued to offer an exquisite selection of wall art, sleek furniture, stylish home decor accessories, and beautiful gifts in addition to unique permanent florals.

Located on US Highway 1 in Vero Beach, the Decor Accents showroom, curated by Vaziri, is more than just a floral design gallery, it’s a celebration of timeless beauty and refined elegance. The showroom features a diverse collection of ready-made floral arrangements that reflect Vaziri’s commitment to quality and detail. Each piece showcases high-quality materials and

“Since discovering Decor Accents, I quickly realized the uniqueness of Carol’s home accessories. Many of her products utilizing beautiful textures and colors are designed in house. Truly one of a kind . The attention to detail and service is unsurpassed anywhere in the area. The local Vero Beach market is extremely fortunate to have access to the creative Decor Accents!”

Annette Maffett

botanical accuracy, providing clients with an effortless way to infuse sophistication into their spaces, whether through classic or contemporary styles.

For those seeking something uniquely personal, Decor Accents also specializes in custom designs. Whether for a grand event or a personal space that requires a special touch, Vaziri and her team collaborate closely with clients to create arrangements that align perfectly with their vision. This bespoke service ensures that every floral design is not only a visual delight but also a unique and personalized statement.

Carol Vaziri’s journey into floral design started with her passion for nature’s beauty, combined with her creativity and keen eye for detail.

Under her expert guidance, Decor Accents remains a premier destination on The Treasure Coast for timeless, exquisite

THE ART OF PERFECTION

What sets Vaziri’s work apart is her dedication to creating artificial florals that are indistinguishable from their natural counterparts. This commitment to realism is achieved through an intricate process of selecting and manipulating the highest quality materials. Each flower, leaf, and stem is designed with precision, ensuring that the finished product captures the essence of real botanicals. This meticulous attention to details allows Decor Accents’ designs to maintain their beauty over time, offering a lasting elegance that natural flowers cannot.

In addition to their visual appeal, Vaziri’s designs are celebrated for their botanical accuracy. Understanding the nuances of different flower species and their natural growth patterns is essential to creating arrangements that feel authentic. Vaziri’s deep knowledge in this area ensures that her designs are not only aesthetically pleasing but also true to the form and structure of real flowers.

“Over the years, Carol at Decor Accents has been instrumental in helping me achieve the perfect look for my home. From the moment you meet Carol, it’s clear she has a deep passion for her work and a genuine desire to serve her clients well. Her talent extends beyond creative design; she has a remarkable ability to connect with her clients on a personal level. Stepping into Decor Accents, you’ll immediately experience a sense of tranquility and joy as you explore the stunning array of decor items.”

Susie Kelts

ELEVATING SPACES WITH ELEGANCE

The impact of Vaziri’s work extends beyond mere decoration; it transforms spaces and occasions into something extraordinary. Her floral arrangements add a layer of sophistication and refinement that elevates any environment, whether it’s a corporate setting, a private residence, or a special event. The versatility of permanent florals allows for continuous enjoyment without the constraints of seasonal changes or the need for maintenance, making them a practical yet luxurious choice for those who appreciate enduring beauty.

A LASTING LEGACY

As the floral design landscape continues to evolve, Carol Vaziri’s contribution remains

a beacon of excellence. Her ability to blend artistry with botanical accuracy has set a new standard for permanent florals, proving that artificial blooms can offer the same level of grace and elegance as their natural counterparts. Decor Accents, under her expert guidance, continues to be a destination throughout The Treasure Coast for those seeking exquisite floral designs that stand the test of time.

For anyone looking to infuse their space with a touch of timeless beauty, Carol Vaziri’s Decor Accents offers the perfect solution. With a range of ready-made arrangements and the option for custom creations, each design is a testament to Vaziri’s exceptional skill and unwavering dedication to the art of floral design.

floral designs.

THE LAGOON Boating GUIDE TO

KEY POINTERS FOR VERO BEACH EXPLORERS

BY JIM FIELD | PHOTOS BY LIV VERO STAFF

There are few things as wonderful as a great day on the water. Favorable weather, family, friends, food and drink—it doesn’t get much better. Every time I go, I feel excited and adventurous. It has that spell on me. As a sportfisherman, I was fortunate to learn the ropes from very experienced people. There is so much to understand—a limitless onion to peel if you’re truly curious—indeed, too much to figure out on your own. At the time, I appreciated my good fortune.

“Boating on the Indian River Lagoon is like navigating through a serene, ever-changing tapestry of mangroves and waterways, where every turn reveals the untouched beauty of Florida’s coast.”

Fast-forward to the present, I have friends who would love to go boating but are intimidated to do it. Some own a boat, and others are boat club members. Unfortunately, both cling to dry land. Thus, the impetus for this article. I’m imagining mariners-to-be reading what follows and empowered with new knowledge, casting off lines, pushing throttles forward

and venturing into deep water.

In this spirit, we’ve produced a CliffsNotes (of sorts) for reconnoitering Indian River Lagoon, a 156-mile estuary that’s part of the Atlantic Intracoastal Waterway (ICW). Read it and apply it. Remember, while boating can be sheer enjoyment, you can also get into trouble. Embrace the proverb: “Expect the best but prepare for the worst.”

THREE TRUTHS

Every endeavor has tenets borne of experience. As you might imagine, scores of these apply to humans in vessels on water. Here are three to baseline our discussion. Ocean Versus Lagoon. These are radically different entities from a boating perspective. The ocean is the big time, requiring a special boat, special gear and

special knowledge for safe passage. Lesson: don’t mix the two unintentionally.

Things Unravel Quickly. When bad things start to happen, you cannot believe how quickly things can go south. You will feel unprepared, stupid, clumsy—even if you’re not. Recognize how little time you have to react.

Take Your Captaincy Seriously. When you

command a boat, you’re in charge, ethically and legally. Decisions you make have consequences for everyone onboard. You can enjoy yourself as a Captain—but stay alert! Situational awareness must be a strength.

SAFETY BASICS

Water safety boils down to minimizing the probability of mishaps, and having tools to respond effectively. All this is possible through self-preparation and sound judgement.

Boating Courses. Boating education is highly recommended and readily available—online, classroom, on-water. Every conceivable safety-related topic— e.g., handling, navigation, weather, first aid—is covered. While Florida doesn’t require a boating license, persons born on/after January 1, 1988, must complete a boating safety course and obtain an identification card.

Alcohol/Drug Use. Boaters aren’t exempt. If requested by law enforcement, vessel operators must submit to sobriety tests and physical/chemical tests to determine bloodor breath-alcohol content. Intoxication level is .08 or higher, and .02 or higher if under 21 years. It’s legal to consume alcohol on boats, and open container laws don’t apply. Safety Gear. Florida law requires one life jacket for each person on board. Also, boats 16 feet and greater in length must carry a throwable device—ring buoy or cushion. Other recommendations: fire extinguisher, whistle, air horn, rescue throw rope, flares, knife, select tools, backup VHS radio, first aid kit.

NAVIGATING

A confusing aspect of boating is getting from Point A to Point B given esoteric rules and signage. The easy solution: study a U.S. Coast Guard booklet (www.uscgboating.org/ images/486.PDF) and Chapman Piloting & Seamanship (69th Edition) to get started. Here are the highlights.

Ocean Inlet. When entering an inlet from seaward, keep red buoys on your right (starboard), green buoys on your left (port). Remember “red, right, returning.” Going to sea, the opposite applies. Maintain plenty of room between your boat and buoys and breakwaters; stay in your half of the channel. Overtake boats on either side. When meeting another vessel head on, a port-to-port passing is preferred.

ICW and IR Lagoon. Pilings with dayboards typically replace buoys. Red dayboards (triangles) mark the inshore side of the channel. Green dayboards (squares) mark the offshore side of channel. The ICW is also marked by yellow triangles and squares. Pilings can be infrequent, so scan ahead. Since water depth averages four feet, your default should be to stay in the channel. When leaving the channel, reduce speed, elevate your outboard propeller. Pay close attention to every white and orange buoy and sign, which indicates such things as dangers, hazards, speed limits.

Tides. Water level and current speed change with tides. Both can present challenges to boaters—e.g., running aground, getting swept away from the boat when swimming. There are two high and two low tides every 24 hours and 50

An aerial view of a sailboat at anchor near a spoil island in the Indian River Lagoon.

Photo by Amy Patterson

minutes. Tide charts are published by specific locations.

Manatees and Speed. The maximum channel speed is 30 miles per hour. Outside the channel, speed is governed by rules to protect manatees from collisions and harassment—thus the imperative to read and obey orange and white signs! “Idle” speed is obtained with throttle(s) in neutral. “Slow” speed is when the vessel is off plane and any wake minimal. The easiest way to get fined (about $100) is to violate speed restrictions. Be forewarned: law enforcement presence is everywhere.

PERSONAL GEAR

Most day boaters bring enough belongings and provisions for a cruise. Still, it’s not how much you pack, but bringing the right things.

Dry Bag. Waterproof container that floats. Do not board with loose personal items in your hands or pockets. Instead, use a dry bag and close it properly. Bags come in all sizes; pick a bright color; write your name and phone number on the exterior. Things to place in it: phone, wallet, car keys, backup boat keys, knife, bottle opener, medications,

sunscreen, spare sunglasses, flashlight, lighter, binoculars, backup VHS radio. Footwear. A big part of enjoying the Lagoon is getting out of the boat. Explore islands on foot, anchor off beaches and swim. Since water clarity isn’t perfect, and if you’re the sort to get creeped out by stepping on things, you might wear something on your feet. There are dozens of options (Note: never flip-flops.)

Food and Beverages. Coolers with ice are mandatory. Bring water—not just alcohol! Pre-made sandwiches are easiest; also, sealable hard plastic containers, heavy plastic glasses and plates, real flatware (won’t go airborne, reusable). Finally, roll of paper towels, separate plastic bags for cans/bottles and trash.

WHERE TO GO

You can motor around aimlessly or do something purposeful. Both are legitimate. Fishing is a natural complement. Sabastian Inlet. Head north from Vero Beach, roughly 16 miles. Explore islands along the way. Before entering the inlet, there is an enormous circular sandbar, exposed or covered by shallow water. On

most weekends boats will be present, people having fun. And on any beautiful weekend, expect scores. Observe how other Captains manage their vessels. Be mindful of tide changes—don’t get stranded on sand. The total experience—people plus nature— is marvelous.

Fort Pierce Inlet. Head south from Vero Beach, roughly 14 miles. Explore islands as you go. Approaching the first bridge, one option is to turn left and follow secondary channels along mangroves until joining the main inlet. A shorter option is to proceed beneath the first bridge and turn left into the inlet (before the second bridge). The beach along left side of the inlet is popular with boaters, anchoring in shallow water. Nearer to the breakwater, the beach becomes State Park where boats may not approach. Amazing place.

Food and Entertainment by Boat. Vero Beach city: Riverside Cafe. North to Sabastian Inlet: Captain Hiram’s Sandbar, Squid Lips, Sabastian Saltwater Marina, Chubby Mullet, Old Fish House. South to Ft Pierce Inlet: Skipper’s Cove, Crabby’s Dockside, On the Edge, Chuck’s Seafood, Little Jim.

Boats navigating the Fort Pierce Inlet on the Treasure Coast of Florida in St. Lucie County.

THE FORMULA 500 SUPER SPORT CROSSOVER is the ultimate move for fun times out on the water! This fifty-foot Formula Flagship combines the commanding offshore ride with unprecedented amenities and luxury. The 500 SSC offers the Formula Crossover heritage of a wide-open, single-level bowrider, inviting open station-to-station wandering.

From the enclosed coupe-top salon to the aft lounge bar, the 500 SSC is a true evolution and culmination of the Formula SmartZone™ concept. From the full bow lounge forward to the expansive extended swim platform aft, you will find air-conditioned comfort, entertainment and innovation. A full-width motorized glass salon bulkhead allows you to choose your degree of separation or shared fun with the aft cockpit lounge and bar areas.

The 500 SSC amenities below offer a respite from the outside world with a true cabin experience. A complete galley at the

cabin entry stairs, the large convertible U-lounge forward, a head with Corian surfacing, vanity sink and spacious shower create a residential feel. Slip aft to the separate stateroom with queen-size berth, sofa and complete entertainment suite.

The proven, surefooted double-step FAS3Tech® hull will take your complement of guests to dinner across the bay or on far-flung offshore journeys in speed and comfort with the confidence and might of the revolutionary new quad Mercury V12, 600 horsepower Verado outboards. The horizons are limitless in your spectacular 500 SSC!

THE 500 SUPER SPORT CROSSOVER –It’s What Moves You!

boating gear

Speedo Surfknit Pro Water Shoe

Advanced technology featuring breathable upper with plenty of support and unique outsole that disperses water flow for extra traction.

Available at Deep Six Dive and Watersports showroom at 416 21st Street and online at deepsix.com 2 3 4

Lente Acrylic Collection

from HIVE Home, Gift & Garden Yacht collection. Brighten up your table. Perfect for boat entertaining! Visit their showroom at 424 Palm Street, West Palm Beach and online at hivepalmbeach.com

West Marine Coastal 400 7x50 Waterproof Binoculars

Seven times magnification, fog-free performance, shock-resistant, waterproof to three feet, lightweight. Visit their showroom at 474 21st Street and online at westmarine.com

5 6

JBL Charge 5 Waterproof Bluetooth Speaker

From HIVE Home, Gift & Garden Yacht collection delivers powerful, impressively rich and clear audio. Only 2 pounds. 20 hours playing time between charges.

Visit their showroom at 424 Palm Street, West Palm Beach and online at hivepalmbeach.com

YETI Coolers and Gear

Focus on quality. Design for durability. Never cut corners on form or function. Built to last.

Available at Deep Six Dive and Watersports showroom at 416 21st Street and online at deepsix.com

Sailfish Brewing Co.

Dry Bag

Designed to keep your gear dry, featuring roll top closure and clip for snapping onto belts or other bags. 5 liters. Water-resistant. Available online at sailfishbrewingco.com

MIND, SPIRIT, BODY, HEALTH

MODERN SAUNAS ARE HOT

SWEAT YOUR WAY TO WELLNESS

BY JIM FIELD | PHOTOS BY LIV VERO STAFF

Sauna bathing is a form of heat therapy that has been used for thousands of years. Cultural variations are distinguished by style of construction, source of heating, and level of humidity.

The Finnish-style sauna, utilizing dry heat, is the type of sauna most Americans are familiar with. Relative humidity is kept between 10-20%, and temperature between 120-220 degrees Fahrenheit. By comparison, wet “steam” saunas—e.g., Turkish hammam or Russian banya—raise humidity to 100%, mimicking a tropical rainforest or cloud of warm mist. Simply described, a sauna consists of a box, heater, and bench. The bathing ritual

involves heating the body to the point of excessive sweating, which is associated with therapeutic benefits. Sauna durations of 5-20 minutes are followed by a coolingoff period and rehydration, then a return to heat, for multiple cycles. For purists, cooling off involves plunging in frigid water to produce a hormone rush.

Finland’s cold climate explains its sauna obsession. Building a home, Finns would construct a sauna first, living in it until the

Enhances relaxation, improves circulation, detoxifies, reduces stress, promotes wellness.

house was completed. It’s estimated that a third of the world’s saunas are located in Finland.

TYPES OF FINNISH SAUNAS

One key distinction between saunas is whether they are located outdoors or indoors. Beyond this, the most important choice for potential buyers is the means of heating the body.

Traditional Dry Sauna. A heat source warms the air, which in turn heats the body through convection. Today, electric heaters are most common, with water doused on hot stones to increase humidity. Simply put, the body is heated from the outside inward, utilizing high temperatures between 150220 degrees Fahrenheit.

Infrared Sauna. An infrared light heats the body directly, using different wavelengths (without water) to produce radiant heat. Here, the body is warmed from the inside out. These saunas operate

at lower temperatures, usually between 120-150 degrees Fahrenheit.

Proponents of both tout physiological benefits unique to their method. Practically speaking, infrared saunas are generally more efficient because they require less power and heat up more quickly. Ultimately, the choice between sauna types depends on personal preference. Those desiring a more comfortable, lower temperature environment may prefer an infrared sauna, while those looking for intense heat and a classic sauna experience may prefer the traditional dry option.

SAUNA BENEFITS AND CAUTIONS

Health benefits ascribed to sauna bathing are extensive--improved circulation, increased metabolism, respiratory efficiencies, muscle/joint pain reduction, detoxification, enhanced immune function, weight loss, anti-aging, skin rejuvenation, improved sleep, reduced stress, positive mindset. While impressive, rigorous medical evidence to support these claims is scant. Nonetheless, medical studies explore a sliver of human activity, and sauna advocates seem to know what improves their lives.

Precautions do apply: stay hydrated, limit exposure time, monitor temperature, avoid alcohol and drugs, check with physician with certain conditions, wear cap to protect hair.

SAUNA PRODUCTS

Considering both residential and commercial uses, the range of sauna

products on the market is extensive. Equally impressive, the price of residential offerings is surprisingly affordable—there’s something to fit every budget.

Here are things to consider when selecting a product:

Structure: Wood from various tree species. Outdoor structures include barrel, cube, cabin designs; indoor structures are variously-sized boxes. High-quality materials and construction techniques best retain heat.

Doors and windows: Wood or tempered glass with stainless steel hinges and handles.

Heaters and controls: Electric, traditional dry or infrared. For both, many different models to choose from: e.g., capacity and temperature output, physical dimensions, stones, exposed or hidden. Touch control panels provide easy interface and some models come with mobile phone communication.

Benches: Choose type of wood for low thermal conductivity and load-bearing capacity. If space allows, have benches at multiple levels (higher benches are hottest). Other features: Lighting to create atmosphere. Speakers to play favorite tunes. Ventilation system to change air. Aroma dispensers to round out experience. The sauna you install can be an oasis of peace and serenity, a space to improve mental and physical health and spend social time with others. Considering all the potential benefits, investing in a sauna equates to acquiring a private wellness clinic.

Backyard sauna located in the Seagrove community.

The overall sailing experience can fundamentally change a young person’s life.

BY JIM FIELD

SAILING’S NEXT ERA IN VERO BEACH

Sailing is on course to become a jewel in the crown of exceptional outdoor activities accessible to Vero Beach residents.

The group responsible is the Youth Sailing Foundation (YSF), operating as YSF Community Sailing Vero Beach and, specifically, its staff, volunteers, donors, partnering organizations, and sailors themselves. Its facilities share a land plot with the city’s wastewater treatment plant on the west side of the 17th Street bridge. What makes their contribution doubly special is that the invitation applies to individuals of all ages and financial means, and those with special needs, throughout the entire year.

LEARNING AND ENJOYMENT

Founded as a 501(c)(3) nonprofit in 2009, the organization’s focus is junior sailors, offering classroom and on-water instruction, teaching beginner and intermediate skills, twice weekly during Fall/Spring terms.

Kid’s Summer Sailing Camp launches June-July, with enrollment routinely filled. Mastering intermediate skills, sailors can advance to competitive racing or broaden their experience in different types of boats. The fleet comprises nearly 80 boats.

YSF Community Sailing also offers an Adaptive Sailing program for those with special needs. Each sailor is accompanied by a specially trained instructor in a uniquely equipped boat. Lastly, adults can learn to sail or hone

skills in group or private lessons. And YSF memberships are open to families and individuals, facilitating daily access to boats and the Indian River Lagoon.

PARTICIPATORY HIGHLIGHTS

Numbers speak to an outsized impact on local youth. In 2023, over 350 sailors took part in school year and summer camp instruction. Of these, nearly 50% were from underserved homes. More than 80 homeschoolers attended the programs. The Homeless Children’s Foundation sponsored 28 children in 2022-2024. The Adaptive Sailing program instructed 37 children and adults.

The organization’s credo is “no fee should prevent a sailor from sailing.” Junior sailing registration is “needs blind,” with 70% sailing for free. Donors accounted for 86% of revenue in 2023. Equally noteworthy, 82% of expenses were directed to program operations.

“The overall sailing experience can fundamentally change a young person’s life,” says Chris Drake, Executive Director. “The people you meet, the outdoors environment, the skills learned, the challenges confronted, the fun times, all add up to a new awareness about life opportunities beyond the home and school.”

EXCITING NEW CHAPTER

In Spring 2025, YSF Community Sailing will break ground on the Pat Harris Community Sailing Center, a 10,000 square

foot facility outfitted with boat shops, staff offices, classrooms, and space to host large gatherings.

The Sailing Center will be the centerpiece of a surrounding four-acre Charlie and Chris Pope Marine Recreational Park. The complex will contain beach launch ramps, a floating dock in a protected canal, the John’s Island Foundation Educational Pavilion, three picnic pavilions, and the Kiwanis Club of Vero-Treasure Coast Kiddy Playground.   Stu Keiller has devoted himself to making this grand vision a reality, serving tirelessly as project manager, fundraiser, ambassador, leader. Stu embodies the spirit of citizens and organizations working together to create a prized community asset to benefit all residents and future generations.

Over $4.3 million has been raised towards a capital campaign goal of $4.5 million. A final goal is to raise an additional $500,000 to fund a maintenance endowment fund.

Information and donations: Website: www.ysfirc.org

Email: info@ysfirc.org

NEW HUB FOR BROAD COMMUNITY INVOLVEMENT

AN EXCLUSIVE LOOK INSIDE VERO BEACH HOMES

LUXURY BEACHSIDE LIVING Discover at Seaglass in Vero Beach

BY CHRISTOPHER MCINTOSH PHOTOS COURTESY OF GHO HOMES

Welcome to Seaglass, where luxury meets the serene beauty of Florida’s Treasure Coast. Nestled just west of the Wabasso Bridge, Seaglass is not just a community—it’s an invitation to experience the ultimate beachside lifestyle. From its pristine boardwalks and preserved giant oak trees to its future Beach Side Club House, Seaglass offers an unparalleled living experience. This is where your dream of living by the ocean can finally become a reality.

A GATEWAY TO COASTAL BLISS

As you cross the Wabasso Bridge, you are instantly transported into a world of coastal elegance. Seaglass stands out with its unique blend of natural beauty and luxurious amenities. The community has been meticulously designed to harmonize with the natural surroundings, preserving giant oak trees and creating enchanting nature trails. These elements not only enhance the aesthetic appeal but also offer a peaceful retreat from the hustle and bustle of everyday life.

NATURE TRAILS AND BOARDWALKS

One of the defining features of Seaglass is its thoughtfully crafted network of boardwalks and nature trails. Meandering through the community, these pathways offer an intimate connection with nature. Imagine starting your morning with a leisurely walk among the towering oak trees, or perhaps a tranquil jog along the winding trails that lead you through the lush landscape. Each step you take is a reminder of the community’s commitment to preserving its natural beauty while providing residents with a tranquil and invigorating environment.

DIRECT BEACH ACCESS

For those who dream of sandy toes and ocean breezes, Seaglass provides granted beach access that allows you to indulge in the quintessential beachside lifestyle. Just moments from your doorstep, the soft sands of the Treasure Coast await. Whether you’re a sunbather, a beachcomber, or a surf enthusiast, the beach becomes an extension of your home. Enjoy morning strolls along the shoreline, afternoon sunbathing sessions, or evening walks as the sun sets over the Atlantic.

FUTURE BEACH SIDE CLUB HOUSE

Looking to elevate your lifestyle even further? Seaglass has exciting plans with the construction of a Beach Side Club House. This state-of-the-art facility will offer a range of amenities designed to enhance your everyday living. Picture yourself staying fit and healthy in the fully equipped fitness center, or hosting memorable gatherings in the elegant community room. The Club House will also serve as a social hub, bringing residents together and fostering a strong sense of community.

A COMMUNITY LIKE NO OTHER

What truly sets Seaglass apart is its dedication to creating a community where every detail is considered. The developers have spared no expense in ensuring that Seaglass is more than just a place to live—it’s a lifestyle. With its blend of natural beauty and modern amenities, the community is designed to cater to those who appreciate the finer things in life while still valuing the tranquility and charm of coastal living.

LUXURY HOMES

The homes within Seaglass are a testament to luxurious beachside living. Designed with elegance and comfort in mind, these residences feature high-end finishes and spacious layouts that cater to both relaxation and entertainment. Large windows and open floor plans maximize natural light and offer stunning views of the surrounding landscape. Whether you’re hosting a dinner party or enjoying a quiet evening with family, these homes are designed to enhance every aspect of your life.

A COMMITMENT TO EXCELLENCE

Seaglass is more than just a place to live— it’s a commitment to excellence in coastal living. The community’s design philosophy prioritizes sustainability and harmony with the environment, ensuring that future generations will also enjoy the beauty of the Treasure Coast. The preservation of giant oak trees and the creation of nature trails are just a few examples of how Seaglass integrates environmental stewardship with luxury living.

EXPERIENCE THE BEST OF VERO BEACH

With its prime location and exceptional amenities, Seaglass is at the heart of what Vero Beach has to offer. From the charming downtown area with its boutique shops and gourmet dining to the cultural attractions and recreational opportunities, everything you need is just a short drive away. Seaglass provides a perfect balance of seclusion and convenience, allowing you to enjoy the best of beachside living while remaining connected to the vibrant community of Vero Beach.

Seaglass offers a unique blend of luxury, natural beauty, and modern amenities, making it the ultimate destination for those seeking an exceptional beachside lifestyle. With its granted beach access, picturesque boardwalks, and plans for a future Beach Side Club House, Seaglass is poised to redefine what it means to live in coastal Florida. If you’ve ever dreamed of living where the ocean meets elegance, Seaglass in Vero Beach is your gateway to making that dream a reality.

The description and property data below may have been provided by a third party, the builder website or public records.

• Community Dues/Fees: HOA Fees: $505 per month (Proposed 2024 budget)

• Property Manager: Karli Smith, AR Choice Management. karli@archoice.com

• Distance to Beach: Deeded Beach Access gives you immediate access to the beach - just an easy walk away.

GHO HOMES SALES OFFICE

Address: 9265 Seaglass Court Vero Beach, FL 32963

Hours: Sales Office Monday - Saturday 10 a.m. to 5 p.m., Sunday Noon to 5 p.m.

Lisa Krynski 772.521.0954

Seaglass by GHO Homes in Vero Beach offers a range of pool options designed to enhance the luxury and comfort of their homes.

Seaglass offers an ideal blend of privacy and accessibility, letting you savor the charm of beachside living while staying connected to the lively community of Vero Beach.

TRENDS, PRICING, DEMAND & LOCATION Market

NATIONAL PICTURE

At the time of this writing, the Federal Reserve Bank is poised to reduce its Federal Funds rate, with percolating reductions in mortgage interest rates. Expected size of the cut could be a quarter or half percentage point. Further cuts may follow. What underlies the move? The job market is weak, inflation appears to be cooling, U.S. factory activity has slowed. Risk of recession is higher now than a few months ago.

A reduction in short-term interest rates would translate to lower rates for home equity lines of credit. Already, as mortgage rates continue to fall, applications for mortgage refinancings more than doubled from a year earlier.

However, the real estate market remains severely challenged by low inventory, home prices near record highs, and rising costs for home insurance and property taxes.

LOCAL

NOTEBOOK: HOME iNSURANCE CRISIS

While historically challenging, Florida’s home insurance market has approached meltdown mode in recent years. A confluence of factors are to blame. Population. Florida’s population grew

BY JIM FIELD

REAL ESTATE INSIGHTS

How to Reduce Your Home’s Insurance Risk Profile

Underwriting losses for home insurers have totaled billions of dollars.

from 16 million in 2000 to nearly 23 million in 2023. Nearly 75% of Floridians live in coastal counties, thus exposed to severe weather.

Geography. Florida’s location/shape make it susceptible to storms from both the Gulf of Mexico and Atlantic. Even homes in interior counties aren’t protected.

Storms. Florida experiences the most hurricanes in the U.S.—almost twice as many as second-ranked Texas. Hurricanes are devastating: Ian in 2022 caused $41-$70 billion in damages.

Legal. Florida has been ground zero for rampant insurance fraud driven by duplicitous roofing claims. While accounting for 9% of the nation’s home insurance claims, Florida has produced 79% of total home insurance lawsuits. Recent laws

enacted in the Florida legislature reduce incentives driving legal system abuse, but positive market impacts will take time.

Costs. In Florida, reconstruction costs increase steadily due to inflationary effects on steel, lumber, materials, labor. Hurricanes exacerbate local shortages, boosting building costs and time to repair/ rebuild a home.

Besieged by these factors, underwriting losses for home insurers have totaled billions of dollars. Many have liquidated; others have fled the state; among those remaining, most are radically altering practices: non-renewing policies, tightening eligibility requirements, requesting substantial rate increases.

In industry parlance, Florida home insurance is a ‘hard’ market, characterized by premium increases and reduced product availability.

REDUCING A PROPERTY’S INSURANCE RISK

“For many families, their home is their most valuable asset, and yet in Florida, it’s also their greatest risk of loss,” says Billy Simpson, Vice President, Risk Strategies Company and Vero Beach resident.

Along Florida’s coast, homeowners are beset by an uncertain and increasingly expensive home insurance market, many discovering that current policies have been cancelled, severely restricted, or been subject to large premium increases. Few experts see near-term relief.

“Educating consumers on how insurers assess risk is crucial for obtaining a policy, finding competitive options, and improving the liquidity of the home.”

Key considerations for insurers— homeowners take note and respond accordingly!—include the following:

Age of home. Insurance carriers are particularly cautious about homes built before 2002, as these do not reflect the updated Miami-Dade Florida Building Code (FBC).

Construction material. Concrete block homes are rated more favorably compared to wood frame structures.

Roof age and material. Insurers increasingly require roofs to be under 15 years old. Concrete tile and metal roofs are rated significantly better than wood cedar and asphalt. Inspect your roof regularly and repair damage as it happens.

Wind mitigation, roof connections. Homes with clips, straps, or double straps on roof connections are rated more favorably than those with toe-nail connections.

Wind mitigation, windows and doors. To receive full credits, all openings (doors, windows, skylights, garage doors) must be verified as impact-rated according to the latest FBC.

Renovation timing and extent. Some carriers will consider the year of renovation as the year of construction (overriding the original date). It is essential to document renovations undertaken. Also, since renovations may alter a property’s risk profile, renovations should be evaluated by an insurance advisor in the planning stage. HVAC systems and hot water. HVAC (Heating, Ventilation and Air Conditioning) units less than 10 years old receive better ratings. Hot water heater tanks located in garage rate better than inside the living area.

Electrical Panels. Replacing outdated electrical panels is essential for older homes to be considered insurable.

Plumbing. Original plumbing in older homes often requires partial re-piping, especially for potable water supply lines, connections, valves.

Secondary residence or rental. Turning a primary home into a secondary residence or rental property may be considered an increase in risk.

In terms of documentation, homeowners should have at the ready a Wind Mitigation Inspection and 4-Point Inspection reports. For pending transactions using a mortgage, buyers are smart to confirm that the property will be insurable—at a reasonable cost—before making an offer.

Current coverage does not guarantee the home will continue to be insurable in prevailing market conditions.

“You really can’t do enough to make your home look better to carriers,” emphasizes Simpson. “Risk-reduction measures such as centrally-monitored fire and burglar alarms, water leak detection systems, and permanent backup generators can create more opportunities for homeowners to secure better coverage and rates.”

LIV VERO’s November issue will report on important changes in the flood insurance market.

Florida faces the highest number of hurricanes in the U.S., nearly double the number seen in second-place Texas. These storms can be extremely destructive.

Metal roofs, along with concrete tile roofs, are rated much higher than wood cedar and asphalt options. Be sure to inspect your roof regularly and address any damage promptly.

REAL ESTATE S E C T I O N

BRINGING MORE LUXURY BUYERS AND SELLERS TOGETHER IN VERO BEACH

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.

Soundfront Serenity Starts Here...

221 Sandpiper Point : $15,750,000

New Construction : 4BR+Bonus Room & Office : Resort-Style Indoor/Outdoor Living : Soundfront

Equestrian Lifestyle Meets Bespoke Estate Homes

Engel & Völkers Vero Beach and Coastmark

Construction are raising the bar for custom homes. Enjoy the Polo Grounds exclusive enclave of estate homes. Built in an equestrian setting offering a unique lifestyle; a country way of living, still close to conveniences and beaches. The luxury estate homes are elegant and spacious on half acre lots, with 10 ft ceilings, 3-car garages, pools, cabana baths, covered patios and summer kitchens. This gated community offers amenities like no other, featuring a seasonally active polo field and showcases professionally designed landscaping, underground utilities, streetlights for leisurely strolls, and opportunities for private equestrian boarding. Golf and social memberships are available for all homeowners. Don’t miss this opportunity, only four lots remain. Contact Stacy regarding pricing, floorplans and scheduling a personal tour.

Scan to learn more.

last look inspired design

Everlasting Floral Beauty

Permanent florals bring enduring charm and vibrant color to any space, while a whimsical bronze monkey adds a playful touch. Together, they create a delightful blend of elegance and fun, enhancing decor with a unique, eye-catching flair. STORY PAGE 48

Abbate Tile & Marble PAGE 19 abbate.net

Aiello Landscape PAGES 6 & 7 aiellolandscape.com

American Heirloom Painting PAGE 33 american-heirloom.net

Aric Attas {Creative} PAGE 60 photonlab.com

Cabio Rio RV Resort PAGE 25 caborio.com

Coastal Illuminations Landscape Lighting PAGE 14 coastalillumination.com

Coastal Interiors PAGE 47 coastal.net

Complete Synthetic Turf PAGE 31 completesyntheticturf.com

Cooper’s Chop House PAGE 15 cooperschophouse.com

CrossCountry Mortgage, LLC PAGE 59 crosscountrymortgage.com

Dawn Wallace Designs PAGE 21 wood-mode.com

Decor Accents INSIDE FRONT COVER decoraccentsvero.com

Dold Group PAGE 72 @doldgroup

Engel & Völkers Vero Beach BACK COVER verobeach.evrealestate.com

Engel & Völkers Vero Beach: Diane Field PAGE 79 dianefieldrealtor.com

Engel & Völkers Vero Beach: Stacy Zielinski PAGE 76 verobeach.evrealestate.com

Engel & Völkers Vero Beach: Thomas Panos PAGE 78 verobeach.evrealestate.com

Florida Shutters PAGE 39 floridashuttersinc.com

Formula Boats PAGE 57 formulaboats.com

Joey & Kimmy’s Seafood Market & Restaurant PAGE 61 joeyandkimmys.com

John’s Island Real Estate Company PAGE 11, 74 & 75 johnsislandrealestate.com

LED Capstone Lightning & Fans PAGES 4 & 5 ledcapstone.com

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NOVEMBER 2024

The Home Electronics Issue Hardscape Magic / Living Outside Stunning Living Spaces

Melanie Bock Studios PAGE 65 melaniebockstudios.com

O’Dare Boga Dobson Group PAGE 77 odareboga.com

Owens Custom Rugs PAGES 2 & 3 owenscustomrugs.com

Scott Tree Services PAGE 37 scotttreeservices.com

SouthState Bank PAGE 13 southstatebank.com

Sunshine Furniture PAGE 69 sunshinefurniturecasual.com

Tocqueville Asset Management PAGE 9 tocqueville.com

Varietals & More PAGE 61 Varietalsandmore.com

Vero Beach Art Club PAGE 60 verobeachartclub.org

Vero Beach Pavers PAGE 39 vbpavers.com

Vero Glass PAGE 23 veroglass.com

Vero Millwork Inc. PAGE 27 veromillwork.com

Kimpton Vero Beach Hotel & Spa