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central florida times

WWW.CAICF.ORG | FOURTH QUARTER 2020


a message from the president Fourth Quarter 2020

contact information P.O. Box 941125 Maitland, FL 32794 www.caicf.org exdir@caicf.org 407-913-3777

2020 board of directors Matt Vice, President Chuck Strode, CAM, Vice President Frank Ruggieri, Esq., President Elect Kent Taylor, CMCA, AMS, PCAM, Secretary Leslie Ellis, CPA, MSA, CGMA, Treasurer Jarad Pizzuti Lynne Sadowski Robert L. Taylor, Esq. Tom Wheir Kenneth Zook, CMCA, AMS, PCAM, Past President

Hey Y’all, My term as President has come to a close, and as I look back on all that has happened this year, I am so happy to say that we are a close group of people. We are friends, business associates and CAI members. It has been my pleasure to be President and be on the CAI Central Florida Chapter Board. I will continue on the board until my new term is up and I look forward to spending time with all of you. Thank you to all of those who ran for the 2021 CAI Central Florida Board of Directors. We encourage you to run again in the future! The new Board is listed below. We do have an open seat for an appointed Homeowner Leader. Please let me know if you are interested in serving. President: Frank Ruggieri Vice President: Jarad Pizzuti President Elect: Chuck Strode Secretary: Kent Taylor Treasurer: Leslie Ellis Directors: Matt Vice, Lynne Sadowski, Tom Wheir, Robert Taylor, and Tracy Durham (new to the Board) Most of the Business Partners have been really busy this year providing services for our communities. Not only have homeowners decided to improve their homes, community associations have made many choices to upgrade and repair their communities. I know that my business has been very busy this year and we are committed to repainting every community in Central Florida. CAI National has spent the better part of this year providing more relevant content to the members to help them navigate these unprecendented times through the pandemic. There are all kinds of articles, webinars and recorded content that will deliver new products, technologies and resources, which can all be found on caionline. org. We encourage you to use this valuable information and share it with your clients and communities. We know that this year has brough many new challenges to us all, but I know there has been lots of growth and positive things as well. We want to hear stories of ways that you or your business has changed, as well as your success stories. Our goal is to help you network and promote your companies. We’re looking forward to 2021 and the end of this pandemic. Should you need any assistance within the chapter, please feel free to reach out to me or our Chapter Executive Director, Reini. Thank you for making me the 2020 CAI Central Florida President! Sincerely,

Matt Vice Matt Vice, Vice Painting 2020 President, CAI Central Florida Chapter

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What’s Lurking Beneath the Surface in Your Community We handle claims on a contingent fee basis, advancing all fees and costs We have attorneys Board Certified in Construction Law by The Florida Bar We will partner with your current attorney for your association and solely handle the construction defect claim Do not let your claims expire! Call us at 407.455.5664 for a free inspection and report of any findings of construction defects

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a message from the ced Hello CAI Members! Happy New Year to you all and thank you for all the support you have given me throughout the year. I cannot thank all my volunteers enough for your help in registration at events, stuffing bags, donating gift cards and assisting with whatever we are doing. It truly is because of you that our chapter is successful.

REINI MARSH Central Florida Chapter Executive Director exdir@caicf.org 407-913-3777

In this time of uncertainty, we’ve all had to learn new things and change the way we live our lives. We now have Zoom and headphones for virtual meetings. We have learned new things like QuickBooks and tried to figure out new technologies. We have gone old school and new school. In 2021, we will continue our in-person and hybrid meetings, and we will continue to offer CEUs through our CAI University. This will offer more opportunities for our members to speak. Our free legal panel in The

Villages on December 10th was lightly attended, but was still a success and we will do more events in our underserved counties in the future. The Board has approved the free lunch program for HOA board members (homeowner leaders) and CAMs through the first six months of the new year. Then we will analyze the books and make a decision for the rest of the year. Everything that we are doing is bringing benefits to our members and giving you the best events and programs we can offer. Our Trade Show will happen on February 12th and we are working closely with the hotel to ensure everyone’s safety. We are looking at some virtual options to bring more value to the exhibitors. I am very happy that our chapter has stayed the course and prospered during this trying year. I am looking forward to seeing you all very soon!

upcoming education NO IN-PERSON PMDP COURSES - VIRTUAL EDUCATION FOR MANAGERS WITH CAI CONTINUES

COMMUNITY CONNECTIONS WORKSHOP: BOARD OF DIRECTORS CERTIFICATION TRAINING

As the pandemic continues, safety remains the top priority for CAI volunteers, members and staff. CAI HQ made the difficult decision to cancel all classroom-based PMDP courses in the first quarter of 2021, which were tentatively planned for the last week of February through March 31, 2021. This decision is based on recommendation on increasing transmission rates for COVID-19, increasing state and local closures and regulations, as well as recommendations from the Centers for Disease Control (CDC).

The Community Connections Workshop Series is hosted in partnership by Orange County Neighborhood Services Division and the City of Orlando Office of Communications & Neighborhood Relations. The workshops are free to all Orange County residents no matter what municipality you reside. The next online workshop, HOA and Condo Board of Directors Certification Training, is scheduled for Saturday, January 9th from 8am-11am.

However, CAI has many online and virtual learning opportunities for managers so we encourage to continue your education online. Click the various links below to learn more on caionline.org:​​ ​​ • Upcoming virtual live courses • Many online courses you can take at your own pace, on your

own schedule • New live and on-demand webinars each month Please contact caieducation@caionline.org with any questions.​ 4

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Serving on a HOA or condominium association board requires Florida’s certification compliance within 90 days of being elected. Participants will be provided with a broad overview of the many responsibilities and areas of oversight required by condominium and homeowners’ association board of directors. Learn about condominium and HOA operations, records maintenance and owner access to records, dispute resolution options, budgets and reserves, election requirements and financial reporting. Click here for the January 9th workshop information and to register on Eventbrite. For a list of other upcoming workshops, click here.


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volunteers BY ROBYN SEVERS, ESQ., BECKER

Is a Community Association Responsible for the Acts of its Volunteers?

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ommunity associations can be a great place for community involvement. It is always nice to see members get involved and help with operating the association. However, should the association be concerned about the actions of these volunteers?

the terms of the policy, then the association may be exposed to liability. Obviously, determining the scope of insurance coverage requires a factual and legal review, and the association should seek the guidance of an attorney when determining the scope of insurance coverage.

An association may be held liable for the acts of its volunteers, depending on the situation. Accordingly, it is important to confirm that the association will be protected if something goes wrong. The association should contact its insurance carrier to ensure that it has insurance for volunteer workers. If not, then the association should not allow volunteer work without obtaining such insurance coverage.

Additionally, to further assist in limiting any potential exposure to liability, an association should create a list of official duties to be performed by each volunteer and have the volunteer sign a form acknowledging that the association has only authorized the volunteer to perform the duties on the list. Volunteers should not be permitted to engage in potentially hazardous activity or any activity that involves undue physical strain. In addition, an association should:

If there is insurance coverage, you should ensure that the person performing the work meets the definition of a volunteer, per the terms of the insurance policy. Also, there should be a determination as to what work, damage, and injury is covered per the terms of the policy. If a volunteer worker exceeds the scope of any covered work, or if the damage/injury is not covered under 6

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• Not allow volunteers to perform any services that require the use of a licensed vendor/contractor or which would require a permit. Continued on page 8


Free Defect Inspection and Consultation Cost Estimation for Mediation Interim Repairs Waterproofing Sufficiency Of Settlement Analysis Destructive Testing Post Litigation Repairs

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volunteers continued members, which could include an obligation to protect the association from potential exposures to liability. Community involvement is wonderful but protecting the association is paramount.

Robyn M. Severs represents community association clients throughout Florida’s northeast region. She has significant experience representing and assisting condominium and homeowners associations in a wide variety of legal areas, including document review, document drafting, turnover of association control, reserve funding, and maintenance issues. Robyn also handles community

• Seek legal guidance on whether a licensed vendor/ contractor or permit is required for the work the volunteer will be performing.

association bankruptcy cases and appellate cases that include some notable decisions. Earlier in her career, she served as an Assistant Public Defender for the Tenth Judicial Circuit, and as a Senior Attorney for the Florida Department of Business and Professional Regulation, Division of Real Estate, where she

• Consider obtaining releases/indemnifications from

prosecuted cases before the Division of Administrative Hearings, Florida Real

volunteers performing services for the association.

Estate Commission and Florida Real Estate Appraisal Board. Ms. Severs is also one of only 190 attorneys statewide who is a Board Certified Specialist in

While we understand this may discourage individuals from volunteering, an association has a fiduciary obligation to its

Condominium and Planned Development Law. For more information, visit beckerlawyers.com, email rsevers@beckerlawyers.com, or call 904-423-5372.

NEW! Pay with electronic check! Renew online today. It’s easy, convenient, and fast!

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Pay your renewal dues and update your community association board member information in one, quick transaction.

Go to www.caionline.org/myinvoices

Simple, secure, reliable… complete your renewal today! 8

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e-voting BY TAMMY ZUKNICK, VICE PRESIDENT, ASSOCIATION BANKING AT AMERICAN MOMENTUM BANK

5 Benefits of E-Voting for Associations

I

n our team’s regular conversations with homeowners and condominium association boards, we find many communities don’t offer electronic voting for their elections. Some don’t have a tool to offer e-voting, while others do have the software available but simply aren’t using it.

E-voting is a great option for homeowners who want to limit exposure to others during the pandemic. And, given society has had several months to acclimate to virtual technology, homeowners who were previously reluctant to try e-voting may welcome it now.

With most HOA and condo associations facing upcoming elections in early 2021, now is a great time to consider implementing e-voting. Here are five benefits of e-voting for associations:

2. CONVENIENCE FOR HOMEOWNERS Covid-19 may not be the only reason homeowners aren’t able to attend an in-person election. Travel plans, prior commitments and emergencies can also get in the way.

1. SOCIAL DISTANCING PROTOCOLS The Covid-19 pandemic has shifted many association boards to primarily, if not completely, virtual environments. Depending on city and county ordinances, meeting in person to hold the next annual association election may or may not be possible. Even if large gatherings are allowed, many homeowners may not feel comfortable attending an election meeting. And many snowbirds who usually spend the winter in Florida may not be making the trip this year. 10

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E-voting gives homeowners the option to vote at their convenience. And, if your association is using the right e-voting software, it’s easy. Homeowners can log in, cast their votes and receive an email confirmation that their vote has been counted – all from the comfort of their home.

Continued on page 12


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e-voting continued 3. EASIER TO GET A QUORUM Getting quorum at elections can be difficult for many associations, usually for the reasons listed above. And no board member wants to chase down ballots to have enough to validate election results. Homeowners who cast their ballots via e-voting are considered “present at meeting.” Their votes are compliant with Florida laws and can be counted before the election meeting. Associations that offer e-voting may see more votes come in electronically than in person or by mail. According to Dan McCrady, vice president and chief technology officer at e-voting software company HOAst, 50% of homeowners in communities using HOAst elect to opt in to e-voting. And those votes cast electronically represent 80% to 85% of all votes received.

software to create a more simple, secure and cost-effective approach for the community and/or property manager. For example, my company, American Momentum Bank, has a partnership with CINC Systems, which integrates with e-voting software HOAst. CINC Systems offers a range of association management services, and with HOAst API integration, associations can significantly reduce the time and man-power to put together, manage and update daily homeowner rosters and contact information for e-voting.

TIPS FOR FINDING THE RIGHT E-VOTING SYSTEM If you’re convinced e-voting could be beneficial for your association, you may be wondering what to consider when exploring e-voting platforms. Below are a few features and benefits to look for in e-voting software:

• It meets the established Florida statutes and

4. COST SAVINGS FOR COMMUNITIES Mailing ballots and proxies to homeowners can be resourceintensive. Costs to print materials, prepare distribution and cover postage can add up quickly – not to mention the time and manpower involved. Florida law requires homeowners to opt in to e-vote. Any homeowner not opted in to e-voting by the board’s deadline must be mailed a paper ballot. This means that if your association has 1,000 homes and 50% opt in to e-voting, you only need to mail 500 ballots instead of 1,000.

administrative rules for e-voting. Note: The Florida Department of Business and Professional Regulations (DBPR) does not “certify” e-voting software. This means you must ask software providers specific questions to ensure they meet the state’s rules. • It offers online opt-in and opt-out for e-voting. Associations that have to manage opt-ins and opt-outs via paper mail and manually maintain lists create a lot of unnecessary tedium and expense. • It regularly updates software to align with current policies, procedures and association preferences. For example, HOAst runs updates and enhancements on its e-voting software almost daily. • It offers the option to segment homeowner lists. This provides the opportunity to have homeowners assigned to both a master community and/or any relevant subset(s) of the community – such as a neighborhood or a phase – in one account instead of requiring separate accounts for each.

Tammy Zuknick is Vice President of Association Banking at American Momentum Bank. For more information, she can be reached at tzuknick@

5. INTEGRATION WITH EXISTING SOFTWARE The best e-voting tools will integrate with other association 12

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americanmomentum.bank and 941-713-8523.


Enviro Ad-half page.pdf 1 3/12/2020 12:22:01 PM

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nviro Tree Service is a full-service provider of commercial and residential tree care as well as preconstruction activities such as land clearing, tree protection, arborist consulting and biological assessments. We are a privately-owned, certified Majority Woman-Owned Business and have been serving central Florida for over 9 years. Enviro Tree Service has over 100 combined years of professional tree care

experience between our 6 ISA Certified Arborists on staff. Our biologist has 13 years of agency experience and spent over two years providing commercial environmental consulting services. We currently employ over 60 tree care professionals, heavy equipment operators as well as our biologist and Commercial Applicator. Our scope of work includes tree removals, tree pruning, root pruning & control, palm pruning and planting, cabling and bracing, storm and emergency work, tree surveys, environmental consulting, tree health care services and site clearing and mowing. Enviro Tree Service prides itself in having the most specialized equipment and certifications to complete your job in a safe and efficient manner. Our land clear-

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budget planning BY GIANNA (DECASTRO) RAHMANI, LCAM, PCAM, CASTLE GROUP

Budget Planning in a COVID-19 World

I

f there’s anything positive to be gained from this pandemic, topping the list would be the focus on our health and personal hygiene. Remarkably, we were reminded of simple, basic tasks like washing and soaping our hands. Then, the use of additional tools such as hand sanitizers and masks became necessary. Similarly, your community budget is a vital planning tool that, if done and used correctly, helps to protect both your association’s financial health as well as the health of your physical assets. By definition, your association budget estimates your income and expenses for a given period of time. While there are steps to take to anticipate what these amounts will actually be, there are inevitable variances to be expected. Throw in the uncertainties of COVID-19 and it becomes even more important to work closely with your management team in creating your 2021 budget. We can draw from the parallels between how we tackle the coronavirus in our personal lives and how we should address it in terms of budget planning. A good way to start is to get down to basics, just like washing our hands – review the statutes, the governing documents, and the latest reserve study; analyze 14

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historical trends; evaluate current expenditures; calculate yearend projections; and determine contractual increases or the costs of new contracts – let’s delineate what we know before working on what we don’t. Then, consider the additional tools available in case the “soap” is not enough, such as lines of credit, bank loans, and special assessments. Next comes the challenge of incorporating the effects that the ongoing pandemic or the resulting “new normal,” once the pandemic hopefully ends, may have on your budget. While it would be unreasonable to increase your budget just for the sake of increasing it, it would have been naïve to assume that closing amenities, as this year’s quarantine required, would have resulted in a decrease in costs. A close look at our 300+ community partners’ current financials have certainly indicated otherwise. Therefore, this has to be taken into account in your 2021 budget. Again, we can find parallels between living in, and operating in, a COVID-19 world. Both at home and at our communities, we’ve always had hand soaps and cleaning products. However, the costs Continued on page 16


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budget planning continued have increased due to low supply and high demand. We now also have increased or, more likely, new expenses for hand sanitizers, sanitization stations, disinfectant wipes and sprays, gloves, and masks. Moreover, both the usage and costs of package and food delivery services have certainly increased. More than these parallels are how the effects of being home consequently impact our associations. With many neighbors teleworking or distance learning from home, water usage and the amount of trash may have increased. With more patrons and less-accessible amenities, trespassing, civil unrest, and property damage issues may have ensued. With COVID-related personal injury claims arising, liability and workers’ compensation policy rates may have spiked. With people testing positive or with new executive orders being issued by the governor, site response and re-opening plans and association operating policies and procedures (for code enforcement, meetings, etc.) are continually being revisited, thus making it imperative to engage the association attorney more frequently. Take these expenses into consideration when looking at your staffing, maintenance, security, insurance, and legal line items. Along with these possible increases to your expenses, also consider how the unfortunate loss of employment for several neighbors and a possible economic downturn may impact the association’s income, delinquency rates, and collection efforts. The good news is that with every challenge comes opportunities for growth. Perhaps, creating your yearly budget has become a mundane exercise in which you simply go through the motions,

like washing your hands. If anything, this pandemic has emphasized the need to take our time and focus on our health. Of course, every household has been affected differently, just as every association has been. Thankfully, you can take advantage of Castle’s ability to benchmark your income and expenses with those of hundreds of comparable associations. With our people, systems, and technology, we won’t just “splash” your budget with short-term thinking, we will lather it with creative ideas and scrub every line item to plan for your association’s long-term financial health.

Having already been in real estate and property management for five-plus years, Gianna entered the community association sector in 2007, soon earning the designations of Certified Manager of Community Associations (CMCA®), Association Management Specialist (AMS®), and Professional Community Association Manager (PCAM®). She is active with the Community Associations Institute (CAI), being once named a Rising Star and, most recently, the Northeast Florida Chapter’s 2019 CAM of the Year. Gianna’s principles perfectly match Castle Group’s core values and proudly represents Castle in creating an unparalleled resident experience

in

communities

throughout

Florida. For more information, please visit castlegroup.com or contact Gianna at 407204-1757 or grahamani@castlegroup.com.

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A TRUSTED PARTNER FOR COMMUNITY ASSOCIATIONS Sherwin-Williams understands the needs of HOAs and has the products and services to ensure long-lasting curb appeal and easy maintenance. From premium paints that provide performance and protection to color design services, on-site assistance, maintenance manuals and more — we’re here to help throughout the state of Florida.

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(352) 504-9079

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insurance BY AUSTIN JAMES, CPCU, ARM, THE MCGOWAN COMPANIES

Earthquakes, Hurricanes, Hailstorms and Other Catastrophic Damage – Parametric Insurance to the Rescue PARAMETRIC INSURANCE Every year our country experiences catastrophic weather threats in a variety of forms. This could come from hurricanes, wildfires, hailstorms, earthquakes, and blizzards. Many of these events can cause damage that reaches into billions of dollars. There are a lot of insurance companies that protect against these catastrophic claims; however, most have high deductibles and there are a lot of exclusions. A product has arisen in the marketplace to fill the coverage gaps excluded by traditional insurance and help to pay for losses beneath the deductible. This is parametric Insurance.

has occurred within a measurable data set. Parametric insurance covers a specific peril (earthquake, hail, hurricane) which has a trigger (peak ground acceleration/earthquake intensity, hail stone size, sustained wind speed) and has a trusted 3rd party data source (USGS, Corelogic, RMS etc). Some programs may also have on-site monitors for local activity as a backup to the main data providers. The policy will have certain thresholds which activate the limit of indemnity purchased and when those thresholds are met the policy limit is available for payment.

LIMITS AND SCOPE OF COVERAGE HOW DOES PARAMETRIC INSURANCE DIFFER FROM OUR CURRENT INSURANCE? Parametric insurance is an index-based insurance product that has been around for decades in the reinsurance space. Its goal is to provide immediate funds to the policy holder when a specific event 18

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The limit of the policy is essentially a blanket limit for the insured that can be recouped to indemnify against any economic loss incurred as a result of the event. This can include items Continued on page 20


RESERVE STUDIES

Easy Does It To use.

Pretty much everything. Our advanced reserve studies help you achieve a deeper engagement with your properties and a more effective way to manage them. Both today and tomorrow. And with total confidence.

Our remarkably simple reserve study system.

For your reserve study proposal, contact Nick Brenneman at (800) 980-9881 or visit reserveadvisors.com.

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insurance continued traditionally covered under insurance but underneath the deductible. It can also include any items not covered under the insurance policy but are still economic losses to the insured. This could include things like claims management fees from property managers, cosmetic damage to your structure, damage to outdoor property, engineering and safety certification costs, equity protection, the list is endless...

UNIQUE CLAIM RESOLUTION

policy holders seeking payment and many times the process can drag out as adjuster resources are not infinite. Sometimes the value an insured receives from the carrier may not be what they were expecting, or they may find an exclusion of coverage they didn’t fully understand before. In these scenarios, having the benefit of a parametric policy in place can be a godsend and a much-needed relief to start the rebuilding process. Over the next decade you will see more and more implementation of this type of coverage and it is worth exploring as an option at your renewal.

One of the most attractive qualities about parametric is its ability to pay rapidly and without adjustment. Typically, the insured just sends in a signed statement of loss with their economic claims identified and their check is issued within weeks after verifying that the policy trigger was met. The other really great part is that it pays out regardless of your traditional property carrier’s claim determination. Your property carrier could deny a claim and a parametric policy would still pay. You could even buy only a parametric policy without traditional insurance cover.

Austin James, CPCU, ARM is an expert in parametric insurance and catastrophic property placement. Feel free to reach out with any questions

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MINIMIZES THE STRESS OF TRADITIONAL PROPERTY INSURANCE ADJUSTMENT

at 440-333-6300, x 5911 or ajames@mcgowanrisk.com. He is able to secure

During a catastrophic event, insureds may find the claims process to be very stressful. They are joined in with thousands of other

an Associate Director of the CAT and Specialty Property Division of The

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this coverage for you through your existing retail insurance broker. He is McGowan Companies. Visit mcgowanrisk.com for more information.


Banking solutions to help your communities thrive At Union Bank®, we offer customized banking and lending solutions to meet the unique needs of the community association industry. With over 25 years of experience, our specialized HOA team applies their in-depth knowledge to help support and grow your business.

Amanda Orlando, CMCA® Regional Account Executive 386-424-0830 amanda.orlando@unionbank.com

Learn how we simplify banking and the financing of your projects at HOAbankservices.com.

Financing subject to credit and collateral approval. Other restrictions may apply. Terms and conditions subject to change.

©2018 MUFG Union Bank, N.A. All rights reserved. Member FDIC. Union Bank is a registered trademark and brand name of MUFG Union Bank, N.A. unionbank.com

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welcome new members! BUSINESS PARTNERS Arrow Security Mr. Jason R Butz

Stephens & Company Mr. Matthew Stephens

D&A Building Services, Inc. Mr. Michael Warren

WANT TO JOIN CAI?

NATIONAL BUSINESS PARTNER Axos Bank Ms. Ryan McBeth

Florida Paints Ms. Heidi Larson

MANAGER MEMBERS

JOSKO LLC Mr. Justin Konfort

Mrs. Chelsea Lowder Mr. Mariluz Onna

Larsen & Associates, P.L. Mr. Richard E. Larsen, Esq.

Ms. Alice F. Mahnke Greystone Management Company

Orion Waste Solutions Mr. Jimmy Chalk

Ms. Danielle McKay Greystone Management Company

ProTech Air Conditioning and Plumbing Service Mr. Ron Collison

Homeowners, Managers, and Business Partners can become members. If you provide products or services to community associations, CAI can give you direct access to thousands of potential customers and provide unique opportunities through networking luncheons, socials, and other great events. Visit caicf.org/resources/ membership to learn more!

Fort Lauderdale (954) 839-6200 Orlando (407) 624-3070 Palm Harbor (727) 474-0200 Paul P. Terry, Jr.*

*Recoveries vary by case. Past recoveries are not necessarily an indication of what you may recover.

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Mr. Paul Neely Marina Grande on the Halifax I Condominium Association

Roof Bids Mr. Joe Casalese

Curtis Protective Services, Inc. Mr. John W. Campbell

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Stephen M. Hauptman

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* Refers to attorneys that are AV rated

By Appointment: Fort Myers (239) 800-9500 Jacksonville (904) 479-9400 Sarasota (941) 257-0900


Committed to our communities For 30 years, BB&T Association Services has provided solutions specifically designed to meet the needs of property management companies and community associations. You can count on us to be your trusted partner. BBT.com/AssociationServices

Association Services Marianne Brown, CAM VP, Relationship Manager 727-260-5004 Marianne.Brown@BBandT.com

Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender. Loans are subject to credit approval. Only deposit products are FDIC insured. Š 2016, Branch Banking and Trust Company. All rights reserved.

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11

20

31

43

57

69

82

100

121

10

19

30

42

56

68

82

99

120

9

18

29

41

55

67

81

98

119

8

17

28

40

54

66

80

97

118

7

27

53

79

117 116

**Any request for special circumstances/arrangements for accommodations on the Trade Show floor need to be addressed and approved by the hotel.**

6

26

115

52

78

114

5

16

25

39

51

65

77

96

113

4

15

24

38

50

64

76

95

112

3

14

23

37

49

63

75

94

111

2

13

22

36

48

62

74

93

110

1

12

21

35

47

61

73

92

109

2021 Medallion Booth Discounts

PLATINUM $950 DISCOUNT GOLD $475 DISCOUNT SILVER $237.50 DISCOUNT

Trade show EnTrance REGISTRATION

Booth Pricing

REGUL A R - 10X10 $950 - Members (2 Exhibitors) $2050 - Non-Members (2 Exhibitors) PREMIUM $1,400 - 10x10 - Single (2 Exhibitors) $2,200 - 20x10 - Double (4 Exhibitors) Additional Exhibitors: $35 each

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Items Below Subject to Change without Notice

Havana Nights After Party Sponsors $3 , 00 0 - 2 AV A ILAB LE

» Logo and company name on select promotional materials, Chapter website, and select emails » Full page, full color ad in the Trade Show program » Logo on approximately 17,000 mailers/tickets that are distributed via mail and delivered to board members and CAMs » Logo on the CAICF Trade Show ad in the Florida Community Association Journal » Two (2) parking passes for day of show » Highlighted as sponsor in the Trade Show program » Sponsor signage at the front entrance and at the After Party » After Party wristbands printed with sponsor’s logo » Privilege of providing beverage napkins with company logo at the After Party event » Sponsor recognized at the monthly Chapter meetings » May provide material to insert in approximately 1,200 Trade Show bags. » Sponsor signage in booth

Photo Booth Sponsor $1 , 50 0 - 1 AV AILA BLE

» Logo and company name on select promotional materials, Chapter website, and select emails » 1/2 page, full color ad in the Trade Show program » Logo on the CAICF Trade Show ad in the Florida Community Association Journal » One (1) parking pass for day of show » Company name on all photos » Highlighted as sponsor in the Trade Show program » Sponsor signage at the front entrance and at the photo booth » Sponsor recognized at monthly Chapter meetings » May provide material to insert in approximately 1,200 Trade Show bags » Sponsor signage in booth

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Decor SponsorS

$ 2 , 000 - 2 A VA I LA BLE » Logo and company name on select promotional materials, Chapter website, and select emails » 1/2 page, full color ad in the Trade Show program » Logo on the CAICF Trade Show ad in the Florida Community Association Journal » One (1) free parking pass for day of show » Highlighted as sponsor in the Trade Show program » Sponsor signage at the front entrance and at the Decor area » Sponsor recognized at the monthly Chapter meetings » May provide material to insert in approximately 1,200 Trade Show bags » Sponsor signage in booth

Bar Sponsors

$ 1 , 2 00 - 5 A VA I LA BLE » Logo and company name on select promotional materials, Chapter website, and select emails » 1/2 page, full color ad in the Trade Show program » One (1) free parking pass for day of show » Highlighted as sponsor in the Trade Show program » Signage at the front entrance and at the Bar area » Privilege of providing beverage napkins with company logo at the Trade Show Bar » Sponsor recognized at the monthly Chapter meetings » May provide material to insert in approximately 1,200 Trade Show bags » Sponsor signage in booth


Super Power Sponsors

$500 - 1 0 A VA I LA BLE

no refunds

» Logo and company name on select promotional materials, Chapter website, and select Chapter emails » Business card size, full color ad in the Trade Show program » Highlighted as sponsor in the Trade Show program » Signage at the front entrance » Sponsor recognized at the monthly Chapter meetings » May provide material to insert in 1,200 Trade Show bags » Sponsor signage in booth

Concession Sponsor Classroom Snacks $2,200 - 1 AVAILABLE

» Greet attendees in the Lobby Area outside the classrooms » Five minutes to introduce your company at the beginning of class » Logo and company name on select promotional materials, Chapter website, and select emails » 1/2 page, full color ad in the Trade Show program » One (1) free parking pass for day of show. » Highlighted as sponsor in the Trade Show program » Signage outside of classroom area » Privilege of providing beverage napkins with company logo at the Concession Snack area » Sponsor recognized at the monthly Chapter meetings » May provide material to insert in 1,200 Trade Show bags » Sponsor signage in booth

30 days prior to event

Classroom Sponsors

Classroom Presenter: $800 Legal Panel Sponsor: $900 CEU Sponsor: $900 Board Certification Sponsor: $1,300 » There is a Classroom Presenter fee of $800 to be on the Legal Panel, be a CEU Presenter or Board Certification Presenter » Exclusive company specific » Business card size, full color ad in the program » Ability to leave marketing material at each seat » Five minutes to introduce your company at the beginning of class » Highlighted as sponsor in Trade Show program » Signage outside of classroom space » Sponsor recognized at the monthly meetings » May provide material to insert in approximately 1,200 Trade Show bags » Sponsor signage in booth

email exdir@caicf.org to register 4T H QUART ER 2020 | CENT RAL F LO R I D A TI M E S

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fiduciary duty BY BETSY BARBIEUX, CAM, CFCAM, CMCA, FLORIDA CAM SCHOOLS, LLC

A Layman’s Look at Fiduciary Duty

H

ave you ever wondered why the Florida Statutes make our boards of directors meet in the “open” when other types of for profit and not for profit corporate boards of directors do not? And have you wondered why members and unit owners have the right to attend a board of directors meeting? After all, the meeting is not for the members, it’s for the board of directors to get the business of the corporation accomplished. The board meeting is not an informational meeting for the members and unit owners. So why on earth are owners allowed to attend a board meeting? (Section 718.112(2)(c), and Section 719.106(1)(c), and Section 720.303(2)(a), Florida Statutes.)

28

boards of directors to a fiduciary relationship with the members and unit owners. (Section 718.111(1)(a), Section 719.104(8)(a), and Section 720.303(1) and (3), Florida Statutes.) So why do Chapters 718, 719, and 720 add the word “fiduciary”? Are the legislators holding our board members to a higher standard than a “prudent man”? Is there a difference in the relationship a “prudent man” has with someone and the “fiduciary relationship” our board members have with the owners? Is there a connection between the word “fiduciary” and the “open meeting” requirements?

Section 617.0830, Florida Statutes, The Florida Not for Profit Corporate Act, seems to describe what might commonly be called the “prudent man rule.” Since most of our community associations are organized as corporations under Chapter 617, this prudent man rule is automatically incorporated into our statutes and documents.

As you consider the word fiduciary and the who and what of that word, you might think of your financial planner. Your financial planner has a fiduciary relationship to you. He is managing your assets and is to do so in your best interest. He only manages your

But then, it seems our community association statutes elevate our

Continued on page 30

CE N TRAL F L O R I D A T I M ES | 4 TH Q UARTER 2 0 2 0


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fiduciary duty continued assets with your consent and involvement. Unless specifically authorized, he will not make decisions that affect your assets without your knowledge. Similarly, the duty of our boards of directors is to (1) protect the property and its value, (2) maintain the things that members and owners use in common, and (3) enforce the restrictions on the owners use rights of the common elements and areas. That is, the boards of directors are making decisions that might affect the greatest asset many people have – their homes. Since it would be contrary to the way corporations operate to have the members and owners involved in every decision made by the board, but because the board members are likely making decisions that could affect the value of the members and unit owners homes, the boards are required to meet in the “open” with members and unit owners allowed to attend to hear the discussions and ultimate decisions made by the board. To complicate things more, the legislators also allow the owners in attendance to comment on a designated agenda item. Fortunately, the legislators give the board of directors the ability to create rules for how and when owners make those comments and may require them to sign up ahead of time noting the item on which they wish to comment and can limit their commenting time. Owners should not be allowed to hijack a board meeting and make comments, ask questions, yell, scream, and holler about things that are not on the agenda. There should be other ways to collect and address owners concerns regarding maintenance or violations, but not at the board meeting. Making decisions that may affect the value of the members’ and owners’ homes is also why the agenda specifically identifies those items on which the board is going to discuss or take action. The agenda, in most cases, must be posted on the association property 48 hours in advance of the meeting. Unlike other types of board meetings in other organizations, nothing may be added to the agenda at the meeting. Except in emergency cases, there are to be no surprises to an owner at a board meeting of the items to be discussed. Owners need the opportunity to see the agenda in advance of the meeting and decide if they want to attend and make comments on any designated agenda item. All of this results in a very awkward blend of statutes that connect “fiduciary” with “open meetings” with designated agenda items on which owners may comment AND our use of the Procedures for Small Boards in Roberts Rules of Order. Awkward is an understatement.

vote of each board member must be recorded into the minutes, why the president does vote (and may make motions and may debate), and why the statutes say board members could be personally liable for their actions. Then, it is a natural conclusion that board members should have Director and Officer Liability Insurance. This coverage should pay for their defense in the event the board members are sued by a member or unit owner for a board decision. But, remember, this coverage only covers board members who do right and are acting within their fiduciary relationship. If a board member does wrong on purpose, she is on her own. (Section 718.111(1)(d), Florida Statutes, in part, “…kickback, or … actions constitute recklessness, or an act or omission that was in bad faith, with malicious purpose, or in a manner exhibiting wanton and willful disregard of human rights, safety, or property. Forgery of a ballot envelope or voting certificate used in a condominium association election is punishable as provided in s. 831.01, the theft or embezzlement of funds of a condominium association is punishable as provided in s. 812.014, and the destruction of or the refusal to allow inspection or copying of an official record of a condominium association that is accessible to unit owners within the time periods required by general law in furtherance of any crime is punishable as tampering with physical evidence as provided in s. 918.13 or as obstruction of justice as provided in chapter 843.”) Board members are then required by statute to (1) file a written certification of satisfactory completion of an educational curriculum administered by a division-approved condominium education provider within 1 year before or 90 days after the date of election or appointment, or (2) sign a statement that says he or she has read the association’s documents and will work to uphold such documents and policies and will faithfully discharge his or her fiduciary responsibility to the association’s members. It is likely that board members who choose option 2 don’t have a clue what fiduciary relationship means, and I bet they haven’t read all their governing documents.

Betsy Barbieux, CAM, CFCAM, CMCA, a Professional Development Coach, of Florida CAM Schools, LLC, can be reached at Betsy@FloridaCAMSchools.com, or 352-

With board members being elevated to a fiduciary relationship to the members and unit owners, it then begins to make some sense why a 30

CE N TRAL F L O R I D A T I M ES | 4 TH Q UARTER 2 0 2 0

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exterior wall coating BY CHRIS LEBO, BUSINESS DEVELOPMENT MANAGER, MASTER BUILDERS SOLUTIONS

Paint vs. Wall Coatings Is there Really a Difference? FIRST LINE OF DEFENSE Paints and coatings often serve as the first line of defense between a building and the environment, protecting a building’s structural elements, its occupants and contents. However, we often underestimate the importance of paints and coatings due to a general lack of understanding, incorrect product selection and specification, and inadequate skilled or trained labor. When preparing for an exterior painting or coatings project, thoughtful consideration should be given to the material that will be used to protect your condo or community. The terms “paint” and “coating” are often used interchangeably, this of course begs the question, is there really a difference between the two?

PAINT VS. COATING – WHAT’S THE DIFFERENCE? To the naked eye, we simply see the color of an exterior paint or wall coating on the outside of a building. However, when we review performance attributes between paints and coatings, the differences between the two becomes quite clear. The primary function of paint is to change color and improve aesthetics only. There are protective qualities that come with paints. However, this is not the primary function. Paints are often formulated using resin blends and are generally thinner films, making paints suitable for interior or exterior use and across a variety of substrates to improve aesthetic appeal for the short term. 32

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High performance wall coatings offer both aesthetics and protection. The improved durability and protection provided by wall coatings is achieved using the highest quality polymers specifically engineered for exterior substrates, providing improved weathering, flexibility, and waterproofing. Due to higher performance attributes, wall coatings require thicker film builds, enhancing aesthetic appeal and providing long-term protection of an asset. Wall coatings typically provide the best combination of color stability (limiting fade) and long-term substrate protection. If your building is challenged with water intrusion, combining a high-performance wall coating system with compatible joint sealants around windows and doors, expansion joints and other penetrations, will give long term protection for the entire building façade. Other repairs also need to be considered.


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exterior wall coating continued different types of finishes, or sheen, which is determined by the ratio of resins and binders to pigments levels. Because the finish affects how color appears on an exterior wall, it’s important to consider while selecting a color scheme. There are four common types of finishes including flat, satin, semi-gloss, and high gloss along with three typical textures, smooth, fine and course.

COLOR AND FINISH For many communities and owner associations, selecting an exterior wall coating color and/or texture is one of the most difficult aspects of a project. Selecting the right color plays a key role in improving aesthetic value of a community or HOA. If you are considering changing the exterior color scheme of your community or HOA, here are a few tips to keep in mind: 1. Color Selection - Color selection should increase the aesthetic value or appeal of a property. When selecting a color scheme, it should be pleasing to the eye and work well with adjacent buildings and environmental elements such as landscaping, lawn, roof shingles, and decorative stone or brick. Mock-ups are an excellent way to view sample colors and textures when trying to narrow down choices. Be sure to select an area of the building that provides a variation of light throughout the day and blends with the various building elements. This will offer a good representation of how the color will be perceived in various light and with the building and environmental elements. 2. Pigments - Color schemes should utilize pigments that are suitable for the aggressive exposure of most exterior environments. The pigment choice and load of a coating formulation can affect the overall performance of an exterior wall coating. Inorganic pigments are widely used in exterior paints and coatings because their colors are more resistant to ultraviolet light and heat, providing good to excellent weather fastness, lightfastness, and chemical resistance to help protect and preserve your building. Colors using inorganic pigment are typically earth tones, such as tans, browns, beiges and grays. This sometimes restricts color schemes that can be achieved, as certain colors are more affected by exterior environments than others but also richens up the color palette providing a warm, modern feel 3. Finishes/Textures – Finish and texture, are just as important as the colors you choose. Different types of coatings have 34

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Flat and satin finishes have the least shine, while semi-gloss and high gloss have the most. The glossier the paint, however, the more likely it is to show imperfections in the wall. This means that semi-gloss and high gloss are typically reserved for trim areas, while flat and satin are preferred for full exterior walls due to their ability to hide imperfections.

DIGITAL COLOR RENDERINGS With so many aesthetic choices in the market, it can be overwhelming to select the right exterior color and finish based on a color swatch or mock-up. Even when working within a limited color palette of an HOA, deciding on color can be difficult if you can’t visualize what the completed project may look like. To simplify the product and color selection process, it can be beneficial to enlist the help of a trusted manufacturer who may offer additional services such as complementary color consultations and digital color renderings. Whether you need to submit a rendering for approval or simply want to visualize products before they are installed, digital color renderings take the guess work out of color selection and allow owners to see the products before they’re applied. Master Builders Solutions has made it easier than ever for communities and HOAs to achieve the required design look and feel with the launch of the “Aesthetic Rendering Tool,” an online visualization tool that shows how your building exterior will look with different colors, textures and effects. Simply upload a photo, and the easy-to-use online coating & finish visualization tool will show how your building exterior will look with different colors, textures and effects. Learn more and try it out for yourself at bit. ly/31TgUap.

For more information, you can contact Chris Lebo at 216-318-2529 or chris. lebo@mbcc-group.com.


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4T H QUART ER 2020 | CENT RAL F LO R I D A TI M E S

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CAI CENTRAL FLORIDA CHAPTER MEMBERSHIP BENEFITS In addition to the many perks associated with a National CAI Membership, your local Central Florida Chapter offers even more value and engagement to its members:

HOMEOWNER VOLUNTEERS

COMMUNITY MANAGERS

If three members from the same board join the chapter, your first year of membership dues are FREE

CAICF will pay for HALF of your manager tuition fees for required education credits

MANAGEMENT COMPANIES

BUSINESS PARTNERS

Company recognition & networking Maximize business brand opportunities with current & recognition & enjoy exclusive potential clients, as well as face-to-face networking industry-specific business partners opportunities with potential clients

LOCAL CHAPTER EDUCATION AND NETWORKING EVENTS Quarterly Board Certification classes CEU credit hours at specified luncheon events Participation opportunity at the Annual Golf Outing Invitation to the Summer Social & Annual Gala Admission and exclusive perks at one of the best community association tradeshows in Central Florida

Opportunity to attend and speak at panels, Q&A sessions, education classes, and Business Roundtable events Participation & sponsorship opportunities at the Annual Golf Outing Invitation to the Summer Social & Annual Gala Admission, exclusive booth vendor pricing, and sponsorship opportunities at one of the best community association tradeshows in Central Florida

Professional Designations & Certifications Local Professional Management Development Program Classes Quarterly Board Certification classes CEU credit hours at specified luncheon events

ACCESS TO SPECIALIZED COMMUNITY ASSOCIATION SERVICE PROVIDERS Online service directory Personal interaction at monthly events Panels and Q&A sessions

SPONSORSHIP & MARKETING OPPORTUNITIES In addition to brand recognition, sponsors enjoy benefits like a free booth at the trade show, advertising opportunities, first consideration at speaking events, discounted pricing for future sponsorships and events & advertising on the chapter website Inclusion in the Service Directory

INCLUSION IN ONE OF THE LARGEST CHAPTERS IN THE US ENCOMPASSING OVER 7,500 HOA & CONDOMINIUM ASSOCIATIONS IN MARION, VOLUSIA, SEMINOLE, ORANGE, BREVARD, OSCEOLA, POLK, LAKE & SUMTER COUNTIES!

Interested in joining the CAI Central Florida Chapter? For assistance or more information, reach out to the Executive Director by calling 407-850-0106 or e-mailing at exdir@caicf.org. To join now, visit www.caionline.org for membership categories and dues. Prior to joining online you will be prompted to log in or create an account. Membership dues are non-refundable. 36

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Be sure to update

your board’s member names, titles (President, Vice President, Treasurer, Secretary, and Board Member), and contact information to ensure your board members receive all the latest CAI member benefits!

Update today: ONLINE at www.caionline.org EMAIL addresschanges@caionline.org MAIL to CAI, P.O. Box 34793, Alexandria, VA 22334-0793

Have your community association board members changed since last year? 40

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got credentials? If you have credentials, you have credibility. More than just letters after your name, CAI credentials identify you as the right professional for the job. They give employers confidence that you have the knowledge, experience and integrity to provide the best possible service to their associations. CAI provides opportunities for industry professionals to fast-track their companies and careers and stand out from the competition. If you hold a CAI credential, you are automatically listed in CAI’s online Directory of Credentialed Professionals, where potential employers and clients can find you—and see that you stand above the rest.

»

CrEdEnTIALs For ProFEssIonALs: z association management specialist (ams®) z Professional Community association manager (PCam®) z large-scale manager (lsm®)

»

z reserve specialist (rs™) z Community insurance and risk management specialist (Cirms®) CrEdEnTIALs For MAnAGEMEnT CoMPAnIEs: z accredited association management Company (aamC®)

Learn how to earn CAI credentials today . . . visit www.caionline.org/credentials or call (888) 224-4321 (M-F, 9–6:30 ET) for more information.

interested in getting more involved? join a caicf committee! If you are interested in getting more involved in the chapter, joining a committee is a great thing to consider. Below are the different committees that we currently have active. Please feel free to contact any of the following committee chairs: CA Day/Trade Show Committee Gina Holbrook Premier Association Management gina.holbrook@premiermgmtcfl.com Chuck Strode Premier Association Management chuck@premiermgmtcfl.com Communications Committee Benjamin Isip Towers Property Management, Inc. ben@towerspropertymgmt.com Education Committee Negar Sharifi Assured Partners negar.sharifi@assuredpartners.com Fran James Sentry Management stonebridgeplace@csbonline.net

Gala Committee Ken Zook Waterford Lakes ken.zook@mywaterfordlakes.org

Membership Committee Jason Martell Martell & Ozim jmartell@martellandozim.com

Golf Tournament Committee Scott Pollock Sentry Management spollock@sentrymgt.com Legislative Committee Tom Slaten Larsen and Associates tslaten@larsenandassociates.com

Jessica Cox Leland Management jcox@lelandmanagement.com Social Committee Tara Stone Your Private Adjustor tara@yourprivateadjuster.com Sunshine Foundation Committee Jennifer Agravat Asphalt Restoration Technology Systems jennifer.agravat@asphaltnews.com

David Furlow Leland Management dfurlow@lelandmanagement.com Meet the Managers Committee Chuck Strode Premier Association Management chuck@premiermgmtcfl.com

4T H QUART ER 2020 | CENT RAL F LO R I D A TI M E S

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