The Community Connection - October Edition 2021

NE F L C A I . C OM

V OL .

9

No r t h e a s t F l o r i d a C h a p t e r C o mmu n i t y A s s o c i a t i o n s I n s t i t u t e

THE COMMUNITY CONNECTION

In This Issue: Cyber Security Construction Defects Curb Appeal Legal Pitfalls Mold Prevention Healthy Ponds Manager Do's & Don'ts Roofing FAQ Insurance Tips Special Assessments Hurricane Tips CAI Membership

| I s s u e 3

upcoming events

contact information

Save the Date for our Expert Panel November 18 9:00a-10:30a Jacksonville Golf & Country Club

CLICK HERE TO RSVP

10950-60 San Jose Blvd., #182 Jacksonville, FL 32223 ced@neflcai.com

2021 board of directors

President - Pilar Willis Dixon, CIC, CIRMS Brown & Brown Insurance President-Elect - Jesse Skinner, LCAM, CMCA Leland Management Secretary - Leslie Pragasam, LCAM, CMCa Vesta Property Services Treasurer - Cindy Dunlop Cogent Bank, SVP, Commercial Relationship Manager Director - Carmen Mazzeo, LCAM Homeowner Leader Director - Robin Braddock ServPro Mandarin

save the date for our annual meeting & board election January 12, 2022 9:00a-10:30a Location TBD

Board of Directors 2022 Slate - Up for Election Catie Marks, May Management (MGR) Patty Truax-Stewart, Associa (MGR) Bob Chamberlain, Edgewater at Sunbeam (CAVL)

Board of Directors 2022 - Continuing Members (still serving their terms) Robin Braddock, ServPro Mandarin Cindy Dunlop, Cogent Bank Leslie Pragasam, Vesta Property Services Jesse Skinner, Leland Management Pilar Willis Dixon, Brown & Brown Insurance

2021 committees Membership Carmen Mazzeo - Board Liaison Mary Price- Chair

Immediate Past President - David Robinson First Coast Mulch

Social Leslie Pragasam - Board Liaison Kyle Stoudenmire - Chair

Chapter Executive Director - Robin Miller NEFLCAI

Program Pilar Willis Dixon - Board Liaison Ed Ronsman - Chair

NEFLCAI provides education, networking, resources, and advocacy for Community Associations in Northeast Florida and the professionals who serve them.

EXPO Cindy Dunlop - Board Liaison Elle Walch - Chair

If you're interested in being on a committee for 2021 or 2022, we'd love to have you.

Please reach out to our Executive Director Robin Miller to get connected.

ced@neflcai.com

COMMUNICATIONS Leslie Pragasam - Board Liaison Robin Miller - Executive Director/Editor

letter from the president WRITTEN BY PILAR WILLIS DIXON, CIC, CIRMS BROWN & BROWN INSURANCE

Wow . . . our year just keeps getting better and better.

Thank you for an amazing EXPO! In spite of the obstacles and limitations imposed due to COVID, we had a successful event. And, it is because of you, our membership, that our event was a success! What an amazing EXPO Team we had working diligently in advance of the event and behind the scenes on the day of it. I'd like to thank the following members for their hard work, dedication and expertise!

Cindy Dunlop, Commercial Relationship Manager, Cogent Bank Michael Dunn, Director of Sales, Allied Universal James Giancola, Branch President, Associa Kate McAdams, Business Development, Fidus Roofing Sherry McNees, Business Development, Interlaced Property Solutions Robin Miller, Chapter Executive Director, Northeast Florida CAI David Robinson, Partner, First Coast Mulch Ed Ronsman, Esq., McCabe|Ronsman Jesse Skinner, Divisional Director, Leland Management Patty Truax-Stewart, Director of Operations, Associa Elle Walch, Director of Marketing and Business Development, Ball Janik Of course, there were also the countless volunteers from multiple companies who worked the day before and day of the event stuffing lanyards and tote bags, decorating and working the registration and membership tables.

And now that it's officially fall -- Happy Fall Y'all . . . that means we are officially planning the annual Chapter Awards and Gala. This year it will be a

Winter Wonderland theme (attendees are encouraged to wear white) and will be held at Deercreek Country Club on December 2 in Jacksonville. Grab your CAI friends and get your table now for this great event, which wraps up our year.

Additionally, our membership committee is getting ready to launch a Membership Drive during the month of November. Did you know that you could earn points and money for being a Recruiter of new members? It's a great way to help offset your own membership cost. Learn more HERE. Best, Pilar

Find the hidden Somewhere in this publication (other than this page) is the icon above. Find it and submit your answer of what page you found it on.

Sumbit your answer HERE ON THIS GOOGLE FORM.

If you found it correctly, you will be entered to win a 1/4 page ad in the next newsletter.

We will pick the winner at random, and let you know.

As an additional sponsor benefit, click on each sponsor's ad to be taken to their website and learn more about their company.

Articles in this publication are courtesy of individual and company contributors and are independent views of that company.

Winter Wonderland

Awards Ceremony & Gala December 2, 2021 6:00pm - 8:30pm Deercreek Country Club 7816 McLaurin Road North, Jacksonville

Buffet

$65/Ticket

Cocktails

$500/Table of 8

Live Music

Includes two drink tickets RSVP: neflcai.org

Attendees are encouraged to wear all white

2021 OUTSTANDING NEIGHBORHOOD OF THE YEAR NOMINATE YOUR OWN OR ANOTHER HOA TODAY Visit www.neflcai.com/events to apply Deadline: November 15 Winner will be recognized and celebrated at our Awards Celebration & Gala on December 2

: N O I LE S S I M POSSIB IM

Mission Accomplished Thanks for attending our 2021 EDUCATION DAY AND EXPO "Thank you for such a nice CAI event today! Classes and the expo were great and engaging."

"This was our first trade show and it was great. We learned and met new people."

"Thank you for putting this together, first time attending and throughly enjoyed every aspect of the expo. Very informative, and met some really nice people! Would definitely attend again."

"The sessions I attended were helpful and informative. As a new board member, I found this event to be a good use of my time. It was well organized and ran well. Good venue."

Do you have some ideas and thoughts on how to enhance our EXPO next year? Is there a better time of year, day of week, or time of day to hold it?

Drop us a line and let us know your thoughts. ced@neflcai.com

click on the video below to see a recap of our EXPO event

: N O D I E S H S I L P MIS COM AC /21 9/9

Presenting Sponsors

Registration Sponsor

Lanyard Sponsor

Breakfast Sponsor

Spy Games/ Mystery Booths Primary Sponsors

Totebag Stuffer Sponsors

Coffee Sponsor

Lunch Sponsors

Totebag Sponsors

Happy Hour Sponsors Mailing List Supporters

Photo Booth Sponsor

Security Supporter

NEFLCAI - 2021 Platinum Sponsors Click their logo to go to their website.

NEFLCAI - 2021 Platinum Sponsors Continued Click their logo to go to their website.

10 WAYS TO FIGHT HACKERS WRITTEN BY:GEORGIA MILLER, TRUIST ASSOCIATION SERVICES

Even with tremendous investments in cyber security, the most prevalent way for hackers and fraudsters to gain access is to exploit human behavior through social engineering or simply uncovering information that hasn't been well protected by a consumer.

#3 - Avoid links from unknown sources in text, email, instant message, social media and websites Be suspicious of any message that asks you to provide personal information Hover your mouse over hyperlinks to inspect Here are 10 ways to help you avoid becoming an easy their true destination target for hackers and fraudsters.

Make sure you're on the right site before entering personal information—such as your #1 - Use strong passwords and protect them. name, address, birth date, Social Security Create long passwords that contain symbols, number, phone number or credit card numbers, and uppercase and lowercase letters number Don't store your passwords anywhere Report suspicious emails that claim to be Don't reuse or recycle your passwords from your financial institution Don't share your passwords with anyone Learn as much as you can about phishing Change your passwords using a randomly generated schedule #4 - Limit what you share on social media and Ensure that your passwords bear no resemblance who can view your profile to former passwords You should protect the following information in particular: #2 - Opt in to multifactor authentication where Your birthdate available Your street address Multifactor authentication requires additional Geotagged photos verifying of information to grant access to an The time you're away on vacation account. This gives your accounts an added layer of security. Multifactor authentication can include: #5 - Secure your devices SMS or email notifications Always keep your device's software updated Biometric identification (use the latest operating system and browser Tokens versions available)

Download apps from trusted app stores Turn off Wi-Fi/file sharing/AirDrop options when not in use Avoid working with personal or sensitive data when you're using unsecured, public Wi-Fi #6 - Secure your important documents Protect your Social Security cards, passports and birth certificates by storing them in a secure place such as a safety deposit box, and only carry them when you need them for a specific purpose. #7- Shred documents containing personal/ financial information When you're done reviewing your paper documents like your receipts, financial statements, or credit card bills, put them in the shredder instead of the trash.

#8 - Order your credit report annually from each credit bureau Order a free copy once a year from AnnualCreditReport.com and from a different bureau (Equifax, Experian, TransUnion) every four months so that you're always covered. #9 - Keep your contact information up to date with your bank Update your email, mobile phone and mailing address #10 - Opt in to security alerts, and promptly respond to the notifications you receive If you haven't done so already, set up alerts to keep tabs on your accounts

Truist Bank, Member FDIC and an Equal Housing Lender. All loans subject to credit approval. ã2021 Truist Financial Corporation. All rights reserved.

10 Warning Signs of Construction Defects

#3- Staining: You may find stains or discoloration at windowsills and walls or around doors frames. This may indicate leaks around windows or doors. There are many different causes of such leaks, such as defective installation, defective design, or defective products, all of which result in damages and costly repairs.

#4 - Mold: Mold needs moisture to grow and spread. Visible mold growth on your ceiling or walls is likely due to water intrusion. Property managers should also be mindful of strange smells and homeowner health complaints, which may be caused by mold.

#5- Cracked floor tile: This may be a sign of issues with the building foundation.

#6 - Missing shingles or roof tiles: Shingles and roof tiles should be properly fastened; loose or missing roofing will likely cause leaks and damage.

#7 - Standing water: After a rainstorm, look for water which has not drained from driveways, yards, patios, or balconies. Standing water can be a sign

WRITTEN BY: PHILLIP JOSEPH & GREG DEMERS, BALL JANIK

of improper drainage, improper grading, or improper sloping of concrete.

#8 - Cracked or displaced walkways: These Construction defects can devastatingly affect your

conditions could be caused by improper mixing of

property and create safety issues for homeowners.

the concrete or improper grading of the property.

This article generally discusses ten warning signs to

Not only are cracked or displaced walkways

look for, and what to do if you encounter these

unsightly, but they can also be a tripping hazard for

signs.

patrons.

10 Warning Signs: #1 - Water intrusion such as roof, window, or door leaks: Even a small leak may be a sign of a

#9 - Rust stains on exposed rebar: Metal rusts

much larger issue. Repeated leaks may be a sign of

should not be exposed to the elements. Rust stains

systemic

may indicate potential compromises in the concrete

construction

defects

and

could

develop

when exposed repeatedly to water. Rebar provides structural strength to concrete walls and floors and

into significant damages and costly repairs.

caused by rusting structural rebar.

#2 - Cracking of the exterior walls:

#10 - Missing or improperly-applied sealants:

Wall cracks

and efflorescence may be a sign that your walls are

Windows, doors, dryer vents, electrical boxes, A/C

experiencing

lines, and exterior plumbing require properly-

water

intrusion.

As

water

enters

a

building’s wall cavity and reaches the framing, the

dimensioned and properly-sealed sealants to allow

framing can be compromised, causing wall cracking

expansion/contraction and to prevent water from

and

infiltrating. Check for peeling sealant or gaps at

leading

Caulking,

to

more

sealing,

moisture

or

painting

entering the

the

cracks

wall. will

generally only seal in the water and cover up the issue, future.

leading

to

more

expensive

repairs

in

the

these locations, which could be a sign that the sealant was improperly applied, or not applied at all.

10 WARNING SIGNS OF CONSTRUCTION DEFECTS - CONTINUED

What to Do: Contact a qualified consultant:

If

your

property was recently constructed, you may be under

warranty

contractors

for

may

certain

offer

a

claims.

However,

“Band-Aid”

repair,

which does not actually fix the underlying issue, but actually conceals the problem until after the warranty period, and after deadlines to make claims. An experienced and qualified consultant working for you can evaluate your building for issues.

Consult a specialized law firm: that

your

issues,

property

you

construction

has

If you suspect

construction

should

consult

defect

law

firm

an to

defect

experienced assess

your

potential case and to provide guidance as to your

options.

An

experienced

construction

defect lawyer will be able to help you navigate the legal hurdles, including potential timeliness issues, contractual limitations on claims, pre-suit notice

requirements,

and

mediation

and

WRITTEN BY: KYLE STOUDENMIRE YELLOWSTONE LANDSCAPE

arbitration clauses.

Make sure repairs are performed properly: If you do end up hiring someone to perform repairs, make sure they are licensed in your state, and that

they

have

adequate

insurance

to

cover

your project.

Review policy:

your Your

commercial insurance

property

policy

insurance

may

cover

the

issues you have identified, for example, if your property

recently

experienced

a

casualty.

However, many commercial property insurance policies

will

construction

not

cover

defects.

A

the

cost

to

specialized

remedy law

firm

with insurance expertise can provide guidance.

Claims for building deficiencies have deadlines. If your building is relatively new (4-10 year range), or if you have had major renovations in the past few years, you may still have viable claims. However, once the deadline has passed, you may be left with no

recourse

but

money for repairs.

to

spend

a

substantial

sum

of

#1 - Install and Maintain Annual Flower Beds #2 - Mulch Regularly to the Proper Depth #3 - Lift Trees to at Least 8 Feet #4 - Rejuvenation Pruning for Your Trees and Shrubs #5 - Replace Old Shrubs with New Ones #6 - Invest in Your Irrigation System #7 - Create Crisp Lines with Hard and Soft Edging of Sidewalks and Planting Beds

#8 - Establish a Professionally Managed Lawn Care Program

#9 - Alternate Mowing Patterns #10 - Enhance Your Common Areas with New Landscape Designs

2021 NEFLCAI Bronze Sponsors

WRITTEN BY: ED RONSMAN, ESQ. MCCABE|RONSMAN

#1 - Elections. HOAs – Read your documents and

#7 - Insurance Policies. Meet with the

follow the election process! Unlike condominiums,

Association’s insurance agent yearly to confirm

HOA elections are not specifically controlled by

Association is properly covered on all of its policies.

statute and are largely document-specific.

#8 - Construction Defects. Understand the

#2 - Budgets. Condos – Provide 14+ days notice of

difference between ongoing maintenance v.

the meeting where budget will be adopted. HOAs –

construction defects. Speak with legal counsel

check your bylaws for any specific notice

about the timeframe for bringing a claim as to new

requirements. Failure to properly pass a budget

construction or after reconstruction project.

could invalidate the assessments charged to

#9 -Renter Information. Consider obtaining

owners.

information on renters in your community and the

#3 - Reserves. Condos and HOAs – budget must

proper system for doing so. This allows associations

have fully funded reserves unless members vote to

to better communicate regarding any emergency

reduce or waive reserves.

issues, as well as for advising of property violations

#4 - Rulemaking. Review your governing

or non-payment of assessments by owners.

documents to determine standing to adopt rules

#10 - Read Your Documents! Understand what

and regulations. Make sure that rules do not

your documents may provide on certain use

conflict with higher priority governing documents.

restrictions, and make sure you are properly

#5 - Contract Review. Consider involving legal

adhering to them prior to beginning the

counsel for negotiation and revision of contracts

enforcement process. Consider potential

entered into by Association, especially contracts for

amendments to your governing documents to better

ongoing service. An ounce of prevention is worth a

match the current makeup of the community.

pound of cure.

#6 - Records Inspections.

Make sure to properly

respond to records inspection requests and make them available within 10 business days of receipt of the request.

NEFLCAI - 2021 Gold Sponsors Click on their logo to go to their website.

NEFLCAI - 2021 Silver Sponsor

NEFLCAI - 2020 Bronze Sponsors

WRITTEN BY ALANDA WILLIAMS, SALES & MARKETING MANAGER, RAPID RESPONSE TEAM On behalf of the Rapid Response Team and your Management

Team

we

would

like

to

help

you

avoid mold growth in your condominium. Mold is a common occurrence in the state of Florida due to

our

high

humidity

levels,

but

it

can

be

successfully avoided by proactively maintaining your unit. Here is a list of helpful tips and tricks to keep

the

interior

of

your

unit

a

healthy

living

environment.

Mold

needs

five

Moisture/Water and

drywall)

factors

(2)

(3)

Food

Darkness

to (i.e.

(4)

grow,

(1)

porous

Excess

materials

Temperature

(5)

Lack of air circulation. IF we eliminate one of these five factors we eliminate the possibility of mold. The factor we want to concentrate on in condo

living

is

Excess

Moisture,

Humidity,

and

Water.

#1 -

Set thermostat temperature between 71-77

degrees year-round and always set to AUTO.

#2 - Set

relative humidity or humidistat to 51-55%

year-round.

#3 -

If you are leaving your unit for more than

48hrs TURN OFF YOUR WATER!

#4 - If you are leaving your condo for the season or for more than 2 weeks at a time, make sure that you have someone who will routinely check on your unit. We recommend a licensed home watch service. #5 - Never use bleach to remove surface mold.

Instead use an antimicrobial cleaning product. A few good options are Bioesque or Benefect products. #6 - HVAC Maintenance: a) Have a licensed HVAC technician service your unit minimum once a year. b) Change AC filters on a regular basis based on the recommendations for your specific unit, filter type, and filter size. c) Make sure the ac drain line stays clear and unobstructed. d) Make sure that the AC drip pan stays clear of debris. #7 - Hot Water Heater Maintenance: a) Remember that every appliance in your unit has a shelf life. Take note of water staining and rusting on your water heater this can be a sign that replacement is necessary.

10 WAYS TO AVOID MOLD IN CONDO LIVING - CONTINUED

b) 75% of all water heaters fail before year 12, we recommend replacement at year 10. #8 - Water Lines: a) Under the kitchen and bathroom sinks you have pressurized water lines.

Replace plastic hoses every 3-5 years or upgrade to steel-braided hoses. b) Ice-maker and Refrigerator Lines: these are commonly plastic lines, make sure that these are replaced as per the manufacturers’ recommendations. Commonly it will be on a sticker on the back of the appliance. c) Dishwasher: Again, all appliances have a shelf life and should be replaced according to the manufacturers’ recommendations. #9 - If you see something, say something. Your management team should be informed immediately of all water damage issues in your unit. a) When water damage is dealt with in a timely fashion it limits the potential for mold growth. #10 - When in doubt call a professional like us to handle any issues.

#1 - Plant littorals to filter surface runoff and enhance wildlife habitat. #2 - Install a fountain or aerator to increase dissolved oxygen levels. #3 - Stock with triploid grass carp for chemicalfree weed control. #4 - Stock insectivorous fish to help control mosquitos and midges. #5 - Stencil storm drains to discourage dumping. #6 - Maintain a fertilizer-free buffer along the pond banks to minimize nutrient pollution. #7 - Have the water quality monitored quarterly to detect nutrient pollution early. #8 - Properly dispose of pet waste in a trash can. #9 - Don’t feed bread to ducks. It’s not healthy for them and it pollutes the waterways.

WRITTEN BY: MELISSA SCHWARTZ FLORIDA WATERWAYS

#10 - Routinely inspect inlets, outlets, spillways, and control structures to check for clogs.

NEFLCAI The Community Connection Advertising Upcoming Issues November Issue "Lights of the Season" To drop November 19

Full Page - $300/issue Half Page - $200/issue Quarter Page - $100/issue Logo - $50/issue

purchase an ad Click HERE to

(ads due 11/10)

#1 - LIMITED PROXIES DO open and tally limited proxies as they come in so there is a running tally on the association’s roster as the meeting opens and others sign in.

DO NOT wait until the membership meeting is called in order to open limited proxies.

#2 - VIOLATIONS

WRITTEN BY: ROBYN SEVERS, ESQ. BECKER Managers

and

directors

are

faced

with

DO

prioritize what

which

order,

matters

To

be

issues

and

need

effective,

to

to be

must

be

it

be

able

referred

important

addressed,

to to

is

determine legal

every

violation

uniformly

and

send

a

letter to the violator; if a tenant or occupant, the many

decisions while operating and managing community associations.

address

and

to the tenant or occupant.

to in

which

counsel

letter should be addressed to the owner and copied

for

DO

NOT

address

violations

by

speaking

with

the

violator while on property. DO NOT send violation notices via email or place notices on or under doors.

further direction. Below is a list of “do’s and don’ts”

The

that will aid both managers and directors in making

violator was provided notice of the violation and an

such decisions.

opportunity to cure.

association

needs

a

written

record

that

the

TOP 10 MANAGERS DO'S AND DON'TS CONTINUED

#3 - AMENDMENTS DO have the association attorney draft and prepare all amendments to governing documents.

DO NOT have directors or managers draft amendments to governing documents as the Florida Supreme Court has determined that such actions constitute the unauthorized practice of law. While it may be helpful to the attorney for the director or manager to give some thoughts on proposed language, the actual drafting should be done by an attorney. #4 - REASONABLE ACCOMMODATION REQUESTS DO send all requests for the association to make a reasonable accommodation that are received from a disabled resident or guest to the association attorney for review.

DO NOT have directors or managers decide whether a request for a reasonable accommodation from a disabled resident or guest is adequate. The Federal and Florida Fair Housing Act has specific guidance on what can be asked/done and what cannot, and the association could face severe consequences if it is not done correctly. #5 - FINING DO have the association adopt a formal, written policy for the issuance of fines and hearings before the fining committee.

DO NOT issue fines and/or conduct fining hearings without formally adopted policies that were prepared by the association attorney. #6 - BOARD POLICIES DO have the association establish written polices concerning access to official records, response to written inquiries, and owner participation at meetings.

DO NOT attempt to enforce any restrictions regarding access to official records, response to written inquiries and owner participation at meetings without formal written policies prepared by the association attorney and approved by the board. #7 - CONTRACTS DO have the association attorney review contracts for non-business/legal terms. The board and/or the manager can review contracts for business terms.

DO NOT have the manager or board review contracts for non-business/legal terms. DO NOT have managers sign contracts; only directors should sign contracts.

TOP 10 MANAGERS DO'S AND DON'TS CONTINUED

#8 - LETTERS OF INTENT DO submit any letter of intent to the association attorney for review.

DO NOT allow the association to execute any letter of intent without being first reviewed by the association attorney.

#9 - MEETING NOTICES DO make sure the board has adopted a Rule as to where meeting notices will be posted; post notice of all meetings, including closed board meetings; post notice of budget and architectural committee meetings in HOAs; post notice of all committee meetings in condominiums, unless such meetings are specifically excluded from such posting in the Bylaws.

DO NOT change meeting notice locations without a board meeting. DO NOT prepare annual meeting notices, budget meeting notices, or other meeting notices that require fourteen-day notice without attorney consultation/review.

#10 - ELECTION MEETINGS DO place ballot envelopes in unit/lot numerical order before the meeting. DO have sign-in sheets prepared in unit/lot order and owner last name order for use at the meeting. DO have voting certificates in numerical order.

DO NOT open outer envelopes, for a condominium election or for an HOA following the condominium-style election, before the commencement of the annual meeting. DO NOT disqualify election ballots without consulting with an attorney.

WRITTEN BY: JONATHAN BOWERS, CLEAN ENVIRONMENTAL SOLUTIONS

#1 - Do not wait until next summer to start preparing! #2 - Review your insurance policy with a professional. Know deductibles and coverages. #3 - Evaluate Reserve positions. Hurricane deductibles are higher than regular deductibles. #4 - Take interior and exterior photos and/or video documentation of all common areas.

Note any damages or maintenance that needs attention. Use drones for exteriors and roofs.

#5 - Create inventory lists of property and attach associated values. Use serial numbers and other identifying information.

#6 - Evaluate waterproofing around windows and doors. #7 - Put together a response plan. Update Board information, Contractor information and distribute to Association.

#8 - Know staffing and equipment requirements in the event of power loss and significant water breaches in the building.

#9 - Perform due diligence on your contractors! Know who you are working with before you are in a pinch! #10 - All essential paperwork should be electronically filed and easily accessible. Often overlooked are blueprints and diagrams of the building. These are particularly important to contractors after a hurricane

WRITTEN BY: KATE MCADAMS, FIDUS ROOFING

Talking with your residents about roofs is NEVER fun.

#4 - Should I take any steps to maintain my roof?

Keep debris off of roofs to avoid roof deterioration.

Any

conversation

about

your

roofs

likely

revolves

around one of two very stressful things:

Inspect at least once a year for nail pops, lifted or missing shingles, etc.

LEAKS OR EMERGENCIES FINDING MONEY TO PLAN FOR NEW ROOFS

#5 - How long can I expect my roofs to last?

There

are

a

lot

of

factors

that

impact

the

life

These ten frequently asked roofing questions break

expectancy of the roof such as quality of materials

down what you need to know to quickly find the best

and location. However, the main factor is the type of

solution for your residents.

roofing material used:

#1 - What is the average cost of a roof repair?

·Shingle – 20-30 years on average. ·Metal – 30 plus years ·Tile – 20-30 years on average

Roof repairs can range from $300-$3000…or more. It all depends on where the leak is and how long it has been leaking.

#2 - Do roof repairs come with warranties?

#6 - What is the best product to install on my roof?

Each type of roof material has its own pros and cons:

Yes, typically the roof repair warranty lasts at least

Shingle –PROS: relatively inexpensive, and work

one-year from the date of completion.

on a variety of roof slopes. CONS: shorter life expectancy and not eco-friendly.

#3 - Can my maintenance department do roof repairs for us?

Metal – PROS: durable, recyclable, and energy efficient. CONS: Above-average pricing and can

If they are a licensed roofer, absolutely! If not, it is

develop film through oxidation.

not a good idea, as they likely don’t know what to

Tile

look for or how to properly solve various issues.

appearance. CONS: Requires a strong building

–

PROS:

energy

efficiency

and

unique

for support and does not hold up well against storms.

TEN QUESTIONS PROPERTY MANAGERS FREQUENTLY ASK ABOUT ROOFING

#7 - Does a new roof raise my property’s value?

Absolutely! Not only aesthetically, but it also increases the value of the property and saves on insurance!

#8 - Should I use a commercial or residential roofer for my property? Is there a difference?

Most

residential

commercial

roofers

properties.

do

not

service

However,

most

commercial roofers also do residential work.

Commercial roofers usually have commercial account and project managers on staff that are

uniquely

positioned

to

understand

and

assist with property managers’ needs.

#9 - What do I need to know about new Florida Building Code laws that passed in 2021?

Any roof installed prior to 2021 may not be up to code. 2021 Florida Building Code is now requiring Peel and Stick to be applied on all deck areas to be up to code or to install two layers of underlayment.

#10 - What are the additional resources for learning about roofing? ·GAF – Do I Need A New Roof? ·Roof Maintenance Tips for Property Managers ·National Roofing Contractors Association

WRITTEN BY: PILAR WILLIS-DIXON, CIC, CIRMS BROWN & BROWN INSURANCE

#1 - Insure your association in compliance with applicable statue (718, 719, 720)

#2 - Insurance for your association in compliance with your association documents.

#3 - Property insurance coverage continues to evolve be aware of the following areas of concern Deductibles are increasing; MUST HAVE: Replacement cost coverage WAIVE Coinsurance penalties Insurance carriers are limiting coverage: Sinkhole being removed and replaced with Catastrophic Ground coverage Limiting or removing Wind-driven rain coverage limits Restricting limits on Ordinance & Law coverage

#4 - Directors and Officers Beware of moving from one carrier to another without a full review of coverage Retro Dates

#5 - General Liability – all exposures, not just number of units (think amenities and activities)!

#6 - Understand the need for an “if any” Workers Comp policy

#7 - Crime Insurance limits………… are they in compliance with FL Statues?

#8 - Limits of insurance for the associations Umbrella #9 - Does your association need Cyber coverage? #10 - Know how to report an insurance claim.

WRITTEN BY:CHARLIE SHEPPARD, COMMUNITY ADVISORS

#1 - Have a complete Reserve Analysis completed by a Reserve Specialist RS that follows the CAI guidelines for reserve studies.

#6 - Conduct regular preventative maintenance. #7 - Complete projects such as roofing, painting, etc. for the most efficient and cost-effective

#2 - Have the Board of Directors and Association

manner instead of scheduling in phases. It will be

Manager meet with the Reserve Specialist to

#8 - Engage consultants and Engineers to

review the report and make adjustments that provide an accurate analysis.

more expensive in the future.

develop bidding documents for more complex

#3 - Complete annual financial updates to the

projects then you can obtain competitive bids

reserve plan.

#9 - Fund reserves as recommended by your

#4 - Conduct an update with site visit every 2-3 years.

#5 - Have the Association Manager tracks all expenditures from reserves and have that information available for each update.

that are similar.

Reserve Specialists.

#10 - Don’t borrow from reserves unless you can put the money back in the fund.

#1 - Networking with Other Volunteer Leaders, Business Partners, and CAMs #2 - Education Classes about Community Management #3 - Quarterly Magazines #4 - Quarterly Social Events #5 - Visibility in the CAI Directory #6 - Opportunity to Earn Some Credentials #7 - Access to Article Content #8 - Access to Conferences & Webinars #9 - National and State Advocacy for Legislation Important to our Industry #10 - Marketing Opportunities at National and Chapter Events

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