Issuu

FAL L / WINT E R 2 0 2 0 I S S U E

THE

BEACON A CHAPTER OF THE COMMUNITY ASSOCIATIONS INSTITUTE (CAI)

EMERGENCY PREPAREDNESS:

Planning for the Unexpected

he year 2020 has proven that everyone should prepare for the unexpected. Most communities already understand that emergencies happen. However, creating a plan for these emergencies is often neglected. While we all hope that the need for an emergency plan never arises, having one on hand is imperative. Will you remember all the steps to take should an emergency arise? Will you be able to remember everything that occurred during the incident? An emergency is a disturbance that was unexpected and causes property damage and/or

displacement of residents. Examples include fire, flood, storm damage and mold. At the time of a disaster, you are faced with situations that can impede your ability to handle this situation effectively. During this time, you are responsible for protecting and preventing loss of life, protecting the health and wellness of residents and employees, protecting the physical asset of your property, and projecting a professional image to your residents and community. Having a plan on hand will help work through these steps. With many steps to take during an emergency, referring to a manual will help guide you through the process. This manual should be kept in multiple places (corporate office, managerâ€™s office, leasing office) and stored in multiple formats (flash drive, hard drive, cloud) to ensure it is always available.

Look inside for a list of Exhibitors, Sponsors and more from our

VIRTUAL SYMPOSIUM & EXPO!

continued on page 4

2020 PLATINUM SPONSORS Atlantic Maintenance Group, LLC CIT Hann & Hann Construction Services Minkoff Company, Inc. Nagle & Zaller, P.C. Palmer Brothers Painting & General Contracting RoofPro, LLC S&K Roofing, Siding, & Windows, Inc. Simmerer Insurance S OĚ„Litude Lake Management

Structural Restoration Services, Inc. The Falcon Group Tidewater Property Management, AAMC Weaver Bros. Insurance Associates, Inc.

2020 GOLD SPONSORS BB&T Association Services now Truist Becht Engineering BT, Inc. Condominium Venture, Inc., AAMC North Arundel Contracting Whiteford, Taylor & Preston, LLP

2020 EDUCATION SPONSORS Acadia Windows & Doors, LLC Atlantic Maintenance Group, LLC DoodyCalls Pet Waste Removal North Arundel Contracting Pro Painting & Contracting RoofPro, LLC The Falcon Group

In This Issue Emergency Preparedness: Planning for the Unexpected . . . . . . . . . . Cover President’s Message . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 COVID-19: One Size Does Not Fit All . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5 Platinum Sponsor Showcase—S&K Roofing . . . . . . . . . . . . . . . . . . . . . . . 6

EXECUTIVE BOARD

President . . . . . . . . . . . . . . . . V icki Eaton, CMCA, AMS, LSM, PCAM Community Association Services, Inc., AAMC President-Elect . . . . . . . . . . . Gail Windisch, CMCA, AMS, PCAM Tidewater Property Management, AAMC Vice-President . . . . . . . . . . . . Susan Rapaport, Esq. Davis, Agnor, Rapaport & Skalny, LLC Treasurer . . . . . . . . . . . . . . . . Ruth Harlan Carroll Vista Community Association Secretary . . . . . . . . . . . . . . . . B.K. Swartwood, CMCA, AMS, PCAM Comsource Management, Inc., AAMC

Community Association Insurance Claim Process . . . . . . . . . . . . . . . . . . . 8

DIRECTORS

James Anderson, PE, Becht Engineering BT, Inc. Roderick G. Clark, III, The Towers Condominium, Inc. Kelly Rae, RoofPro, LLC Kerrie Zander, AMS, PCAM, DoodyCalls Pet Waste Removal

Lunch Break Trivia . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9 Electrical Enhancements for Maryland Properties . . . . . . . . . . . . . . . . . . 9 Virtual Meetings: The Good, the Bad, and the Solutions . . . . . . . . . . . . . 10 Winter Weather Checklist: Be Prepared! . . . . . . . . . . . . . . . . . . . . . . . . 12

DelMarva

Virtual Annual Symposium & Expo . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14 Platinum Sponsor Showcase—Weaver Bros. Insurance Associates . . . . . . 18

Susan Blackburn, CMCA, AMS, PCAM, Chair Community Association Management Professional, LLC, AAMC Noni Roan, Vice-Chair CIT

EXPO

Ellen Throop, Chair Elmore & Throop, P.C. Joanne Frallicciardi, CMCA, AMS, Vice-Chair Community Association Management, LLC, AAMC

Golf

Scott Karam, Chair Power Systems Electric Kara Permisohn, Vice-Chair Minkoff Company, Inc.

Annual Social

Dani Bressler, Chair Toepfer Construction Co., Inc. Carrie Ehart, Vice-Chair Raine & Son, LLC

Maryland Legislative Action Committee

Steve Randol, Chair Piney Orchard Community Association

Membership

Ron Bridge, Chair Weaver Bros. Insurance Associates, Inc.

Newsletter

Don Plank, PCAM, Chair National Cooperative Bank Brooke Chaney, CMCA, Vice-Chair Tidewater Property Management, AAMC

L.E.A.D. (Leadership Enhancement and Development)

James Nies, Chair RoofPro, LLC Nichol Means, CMCA, Vice-Chair Community Association Services, Inc.

On-Site Registration for PMDP Classes

Jonathan Rosenberg, CMCA, AMS, PCAM WPM Real Estate Management

Welcome New Members! . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22

Platinum Showcase Sponsor—Nagle & Zaller . . . . . . . . . . . . . . . . . . . . . 25 2021 PMDP Course Schedule . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26 2021 Beacon Advertising Rates . . . . . . . . . . . . . . . . . . . . . . . . Back Cover

CAI CHESAPEAKE REGION CHAPTER

Stephen McConoughey, Executive Director Angela Marsh, Office Manager 8901 Herrmann Drive, Suite B, Columbia, MD 21045 410-540-9831 Email: contact@caimdches.org • www.caimdches.org This publication attempts to provide CAI’s membership with information on community association issues. Authors are responsible for developing the logic of their expressed opinions and for the authenticity of all presented facts in articles. CAI does not necessarily endorse or approve statements of fact or opinion made in these pages and assumes no responsibility for those statements. This publication is issued with the understanding that the publisher is not engaged in rendering legal, accounting or other professional services. If legal advice or other expert assistance is required, the services of a competent professional should be sought. Permission to reprint articles in Beacon may be granted only after receiving prior written approval from the CED of CRC/CAI.

Law Office of Cynthia Hitt Kent, LLC A Baltimore area law firm engaging in the practice of general and real estate related representation for Community Associations, Developers, Small Businesses and Individuals.

Cynthia Hitt Kent ckent@hittkentlaw.com 10 Crossroads Drive, Suite 107 Owings Mills, MD 21117 T: 410.363.9600 | F: 410.363.9601

Chad Toms, Chair Whiteford, Taylor & Preston, LLP Lisa Meck, CMCA, AMS, Vice-Chair Legum & Norman, Inc. AAMC

Education

Maryland Raises Insurance Deductible Unit Owner Responsibility to $10,000 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20

Virtual Roundtable Webinar . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24

COMMITTEE CHAIRS

President’s Message As the year and my tenure as the 2020 Board President comes to an end, I find myself reflecting on the many obstacles and challenges presented to us this past year. It is unlikely that any of us will ever forget or encounter another year like 2020, a year of great change and significant upheaval. Our industry and the people involved in it remain strong, committed, and energized to continue moving forward to make the best of difficult circumstances. Hopefully, 2020 will be remembered as a year where the Chapter recommitted itself to focusing on our infrastructure by strengthening our Committees’ involvement to help achieve the Chapter’s strategic goals, by being fiscally responsible, the impressive ways our Chapter has faced the many challenges, and our Chapter’s positive momentum throughout. Our Chapter has always served as a wonderful network for camaraderie, support, and friendship. Connecting on a personal level throughout the year is one of the many factors that make working within the community association industry so unique and so special. Our ability to have the same sense of connection during this time has taken a psychological and emotional toll on many of us. We miss the personal interactions with our industry colleagues and co-workers. So, as we move closer to the end of the year, let us all strive to take

advantage of more opportunities to support each other and to continue strengthening our sense of community within CRC-CAI. I have had the privilege and honor to have worked with an amazing and dedicated group of people who continually come to the table with creative ideas and who commit time, resources and a “let’s do” attitude to help our Chapter achieve and succeed. I would like to take this opportunity to extend special thanks to all the volunteer members on our Board of Directors, Committees, and sponsors. Our Chapter could not manage all that we do without your continued support to the education of our managers, board members and homeowners. And, an extra special thank you to our remarkable and dedicated staff: Steve McConoughey and Angela Marsh, who have been the glue that holds our Chapter together and makes it all happen. Thank you all for making this Chapter all that it can be! I wish everyone a very Happy and Healthy New Year! Warmest regards, Vicki E. Eaton, CMCA®, AMS®, LSM®, PCAM® Community Association Services, Inc. vicki.eaton@casinc.biz

Please Join us for our

The experience and solutions you need. Put the leading bank for community association management companies to work for you.

ANNUAL MEETING Friday, December 11th!

Join us to review 2020 and look ahead to 2021! We will also announce who will be joining our Board of Directors in 2021!

Let’s explore how we can partner with you at cit.com/CAB Noni Roan, CMCA 301.639.5503 | Noni.Roan@cit.com ©2020 CIT Group Inc. All rights reserved. CIT and the CIT logo are registered trademarks of CIT Group Inc. Deposit and loan products are offered through CIT Bank, N.A., the FDIC-insured national bank subsidiary of CIT Group Inc. MM#8450

continued from cover page The following contact information should always be included in any emergency plan: Emergency and non-emergency police and fire department phone numbers Employee personal contact information Resident list and emergency contact numbers as well as next of kin contact information Utility list and shut-off locations

Once the emergency is over, you will need to compile all event related documents. It is recommended that the following documents be kept together to be organized and processed later:

American Red Cross contact information

All receipts

Restoration contractor contact information

All photos, thumb drives, SD Cards, etc.

Local hotel/motel agreements and contact information

All service tickets

24-hour pharmacy phone numbers

All resident correspondence/emails

Insurance carrier, broker, and agent emergency phone numbers

All insurance inspections

Scripted response to the media

All police reports, fire damage reports

In addition to the above contact information, the following property information should be included in your emergency plan: Property photos, both exterior and interior Property building plans and engineered drawings Type of roofing associated with the building Landscaping and vegetation of property Specific details of all common areas, including flooring and lighting Special features such as ornamental cut glass, sculptures, or artistic ironwork Occupancy/vacancy report Existence of lead paint, asbestos, or other contaminates

A vital step to take, prior to an emergency, is to choose a restoration contractor. This contractor will handle the emergency service, including cleaning, drying, temporary utilities, etc. In addition, this contractor will handle all phases of the restoration process, freeing management to handle other important tasks. Your contractor should be chosen based on reputation and relationship. It is also best to choose a contractor who is IICRC Certified, licensed and insured.

We all know that emergencies happen. How we prepare for these emergencies can be the difference between an unexpected event being managed smoothly or not. If you do not have an emergency plan in place, your restoration contractor can work with you to create one. Written by: Dani Bressler Toepfer Construction Co., Inc. 301-336-8600 dbressler@toepferco.com

COVID-19: One Size Does NOT Fit All Over the past months, we have been bombarded with information from all sides, some of which is conflicting, and some which may not work for your community or business for multiple reasons. We want to take the time to tell you that you are not alone with your feelings of confusion and stress. Remember that everyone is going to respond differently in terms of what will be their â€œNew Normal.â€? Some of us may be equipped and ready to open up our community and host in-person meetings, while others are more comfortable hosting virtual meetings and keeping amenities closed until we are more confident in the safety of doing so. Please remember that what works for others may not work for you, and that is okay. With the constant changes in the world around us, you need to make decisions based on what you are experiencing and using the knowledge and resources from local and federal agencies, business partners and Community Associations Institute to help guide you in the right direction for you and your community. Written by: Brooke Chaney, CMCA Executive Assistant Tidewater Property Management & Vice-Chair of the Newsletter Committee

2021 Sponsorships Are Now Available! New for 2021 is our Diamond Sponsorship that includes the b enefits of our Platinum Sponsorship plus a sponsorship for our 2021 Golf Outing, Expo, and Annual Social. In addition, we will be recognizing our Diamond Sponsors in our Directory and social media throughout the year. Please contact us with any questions, and register here for a sponsorship: https://caimdches.glueup.com/event/18148/

S&K ROOFING, SIDING & WINDOWS PLATINUM SPONSOR SHOWCASE

Celebrating 40 Years of Service Established in 1980, S&K Roofing, Siding & Windows is family-owned and operated and has served more than 100,000 customers since our inception. We began as S&K Roofing with a 2-person ‘crew’. Today, we have 35 full-time employees serving Maryland and Northern Virginia. We offer the highest quality service and installation at competitive prices.

When you hire us for your project, we will assign our finest crews to provide you with the best contractor experience possible. Additionally, if needed we may assign a Quality Control Inspector who will be on-site daily to manage our workforce. That inspector will also be available to address any tenant concerns that might arise during our installation.

Each year, S&K manages millions of dollars of renovations throughout Maryland and Virginia. Whether you manage a high rise, an apartment complex, condominiums, or other multi-family buildings, S&K has the experience needed to get the job done right. We are uniquely positioned to offer the best combination of quality and value in the industry. As one of the area’s largest remodeling contractors, S&K has the manpower to accomplish what few companies can -- to expertly install quality materials in a manner that is the least disruptive to the individual occupant.

Administratively, you can expect that any questions or concerns will be addressed promptly by a member of our staff. You will be given your Project Manager’s direct mobile number and e-mail address, allowing you access to our team anytime a need should arise. We trust that the S&K Roofing, Siding and Windows team will not only meet, but exceed your expectations. We appreciate the opportunity to earn your trust as well as your business. Written by: Charlie McCurry S&K Roofing, Siding & Windows 443-516-2117 charlie@skroofing.com

S&K is highly skilled in replacing flat roofing, shingle roofing, and metal roofing, siding, windows, doors, gutters, attic insulation, decks, and more. We are certified through most manufactures for product installation. At S&K, our motto is Worry Free. Guaranteed. We are absolutely committed to gaining “Customers for Life,” and strive for complete customer satisfaction with every project we complete. We have earned the highest rating available from Angie’s List (Super Service Award winner from 2008-2019) and hold an A+ rating with the Better Business Bureau.

Family owned and operated since 1980. Licensed, bonded & insured.

Celebrating 40 Years of Service

Roofing Siding Windows Doors Gutters

Decks Attic Insulation Repairs & More!

410-795-4400 301-831-5088 www.SKRoofing.com

BETTER COVERAGE. BETTER OPTIONS. America’s community association insurance partner is upping its game Community Association Underwriters of America (CAU) has joined forces with Munich Reinsurance America, Inc. (Munich Re, US) to deliver an even higher level of strength and sophistication to America’s community associations. Our solutions are custom-built by industry specialists to address the unique risks facing community associations, and now feature some powerful new options.

High-value policy enhancements ■

■

Expanded coverage definitions for various buildings, structures, and personal property Increased coverage limits across multiple exposures, including natural outdoor property, demolition costs, increased cost of construction, debris removal, and property removal

■

Simplified valuations for streamlined servicing

■

Additional computer virus coverage

■

Optional deductible credit endorsement and deductible allowance endorsement for cost savings in the event of certain losses

GET TO KNOW CAU Community Association Underwriters of America (CAU) is a managing general agency and national leader in community association insurance and risk management. Founded in 1989, CAU services community associations, residential and office condominiums, cooperative apartments, and homeowners associations. CAU is based in Newtown, PA and offers property, casualty, fidelity, D&O, general liability, and ancillary products to a nationwide client base.

Exciting new products, including ■

■

Liability Plus: A broad-based liability policy custom-designed for community associations Cyber Suite: An affordable cyber insurance solution for community associations providing both first and third party coverage, including forensic IT review, public relations, and data restoration

Coverage you can count on Policies will be issued using A+ A.M. Best-rated primary insurance companies affiliated with Munich Re, US.

CONTACT

Michael Romano, CIRMS, CPIA Marketing Specialist D 267 757 7169 MRomano@cauinsure.com

COMMUNITY ASSOCIATION INSURANCE CLAIM PROCESS

When a Claim is received, the Insured(s) MUST protect the association’s interest.

The Claim Process begins BEFORE insurance is purchased!

a. Insured(s) should not discuss ANYTHING about the Claim between and amongst themselves, or anyone else (including a spouse) other than the timing of an attorney meeting! If you do, there will be no privilege to protect those communications. These discussions MUST only be discussed with counsel in preparation of litigation or defense of a Claim. Otherwise, these discussions are discoverable.

a. S hop for a Community Association Insurance Professional, not the Policy. b. Purchase the best Coverage; avoid the seduction of the cheapest price. c. Beware of the Insurance professional selling price and not coverage. d. Require the Insurance Professional to explain their claim role.

b. There is NO “board member privilege.” There is NO “pillow talk” privilege.

e. I nsist that you receive complete copies of every policy and a schedule of Insurance.

c. Board members MUST NOT communicate between and amongst one another by e-mail or any other form of electronic communication. This type of board communication should never occur, especially in light of litigation. These are all discoverable and may constitute an unauthorized board meeting.

When do you tender (submit) a matter to an Insurer(s) for defense and indemnity? a. TIP: If you are asking the question, you have answered the question. b. The “CAM” or the Insured(s) should submit it to the Association’s insurance professional. If you have no CAM, designate a single board member to be the contact with the Insurance Professional. c. The Insurance Professional should advise if a matter should be submitted to the insurer, and if so, which insurer(s). d. The insurance Professional or Attorney advice received MUST be confirmed in “writing!”

If the claim is a “liability claim” also contact the association’s attorney. a. Is there an insurance policy that should pay for the defense and or indemnity of the association, board, employee, volunteer or CAM (collectively “Insured(s)”)? b. Is there a third party that is responsible for the association’s defense and or indemnity notwithstanding the insurance (i.e. contractor, professional, or another entity agreeing to indemnify in a contract)? c. Make sure all the association’s insurance policies, contracts and governing documents, minutes and rules are in order to give expeditious access to your association counsel, or the insurer appointed attorney. d. CAUTION: As a general rule, no insurer is required to provide coverage, including defense fees, until it has given written consent to the Insured(s). Accordingly, do not assume corporate counsel will be reimbursed for any pre-tender fees.

d. Do not edit or massage the information you provide your attorney or insurer. It will do nothing other than sabotage the claim. The facts are the facts.

T he Claim Representative is your friend; your Insurance Professional is your Advocate. a. Claim Reps want to pay your claim! Treat them as a partner. Board members are fiduciaries tasked with protecting the association’s interest. Treating a claim rep as an adversary is not in the association’s interest. Psychologically, people (claims reps included) want to help Insured(s) who are nice and civil. b. Claim Reps are creatures of audit. They must document the claim file to support any payment. Accordingly, make their job easier and provide the documents and information they request. c. Every insurance policy has a “Cooperation Clause.” Failing to cooperate may impact the adjustment of a claim and the rights and coverage in the policy. Written by: Joel W. Meskin McGowan Program Administrators 800-545-1538 jmeskin@mcgowanprograms.com

Electrical Enhancements for Maryland Properties

1 When and where was the first planned community built in the United States? A. Late 1940’s in Long Island B. Mid 1960’s in Virginia C. Late 1960’s in Pennsylvania D. Early 1970’s in Maryland

2 I n what month can you view the “Beaver Moon” in 2020? A. February

Looking to make some enhancements to your property? Here are a few electrical ideas which are trending throughout Maryland.

Smoke and CO2 Detectors: If you have not upgraded by now,

EV Charging Stations: With rebates provided by the State of

LED Technology and Retrofit Rebates: Currently BGE Smart Energy Savers and the State of Maryland are offering several incentives for retrofitting to LED. Right now, for instance, they are offering up to 50% rebates on product and installation costs.

B. May C. October D. November

ccording to the University of Illinois, 3 A how many turkeys are consumed on Thanksgiving and Christmas combined? A. 50 million B. 68 million C. 104 million

you are not up to code. All MD properties need to have a Carbon Monoxide Detector with a 10-year lithium battery in each dwelling unit. Maryland, installation has never been easier, or more affordable. Consider installation of an EV Charging Station, or adding more to your property for maximum convenience to residents.

Technology: From security cameras, to lighting, to doorbells 4 Sandmart more, realize that smart technology, and smart automation, makes

D. 144 million

regulating your facility easier and more secure. If you want a plan for updating your property, just call an area licensed electrician who can help with planning and budgeting costs.

ow many real Christmas trees were 4 H purchased in 2019? A. 10 million

B. 29 million C. 33 million D. 47 million

hat anniversary is the Chesapeake 5 W Chapter celebrating this year? A. 35th B. 41st C. 51st

Preventative Maintenance: Did you know preventative

maintenance can lower your facility's insurance premiums? Many insurance companies will offer you a discounted rate if you regularly perform preventative maintenance or infrared testing to keep your property safer and avoid emergencies. Written by: Donna Boesl Walter Electric 410-590-5959 donna@walterelectric.com

D. 55th

6 What percent of property damage claims in 2018 were a result of freezing pipes? A. 11.2%

Serving property managers, community associations and homeowners for 30 years

B. 15.6% C. 19.5% D. 23.8%

*See the answer key on page 21

Tavarious Butts, VP, Relationship Manager 703-284-0561 • Tavarious.Butts@BBandT.com Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender. © 2018, Branch Banking and Trust Company. All rights reserved.

VIRTUAL MEETINGS The Good, the Bad, and the Solutions

irtual meetings may become the new normal for the time being, and let’s be honest, while we all probably miss the in-person setup, I’m sure many of us have encountered some humorous scenarios as a result. Of course, these kinds of growing pains are always going to be common during adjustment periods. It would have been useful for virtual meeting organizers and attendees to have been warned about some of the possible tele-conferencing interferences that come from their home-base, as well as ways to defuse them in order to have a smooth and productive meeting. Below are some useful tips to help make that happen. The first category of virtual meeting hindrances we will discuss is “External Noise.” Loud children or pets tend to give way for some of the funnier examples of this in a group virtual meeting, and they can also be the most prominent; however, the echoes of loud breathing, utilities operating, and someone typing on their keyboard are also common. While external noise might be one of the more difficult categories to neutralize, the following solutions can be beneficial. First, always be sure that you are in a secluded space for your meetings. This is relevant for both conference calls and group video chats. It is also wise to inform others in your home of your meeting beforehand. If you have a pet, you can distract them with a toy for the desired time or simply just let them outside to keep them from your isolated space. Next, you can mute your microphone whenever you are not speaking to avoid producing noise. This is advised for people who are considered loud breathers or who like to do work while listening in on meetings. It is also recommended for anyone who tends to make subtle comments to themselves. The second common intrusion to an effective virtual group meeting is one that applies exclusively to video conferencing. We will refer to this category as the “Professional Visual Appeal.” Now obviously this one

may get tricky, especially if you are working from a space that clearly is not designed for the ergonomics of your profession. “Professional Visual Appeal” does not just refer to the visuals of your workspace, it also considers how your camera is set up, your attire, and body language. Our advice to perfect the visual element of the conference is to use a wide shot on your camera, sit back and have good posture. Your posture will give off positive body language and show higher levels of interest. (This is also a good time to remind you not to use your mobile device during these video conferences.) Next, be sure your workspace appears neat and that the background of your shot does not give the impression of an unprofessional atmosphere. Lastly, dressing in a business casual manner will do more than just present a visual sense of professionalism; it is also proven to make you work more efficiently overall. One thing to note is that if you are the organizer of the meeting, consider whether a group video meeting is even necessary. Odds are that all the content you are sharing can be done through a conference call. Of course, that will vary depending on the meeting scope and objective. Our third category focuses on the attendees’ concentration to the content of the meeting, specifically regarding their energy levels. We like to call this “Virtual Meeting Fatigue,” and it can be a liability to meeting goals. “Virtual Meeting Fatigue” happens if someone is focusing on their computer screen for a long period of time which can cause a loss of attention or interest. This fatigue can lead to the attendees forgetting or ignoring the information presented, which can render a meeting useless. The first solution is to look away from your screen from time to time and make good use of screentime breaks. Additionally, it is critical to keep the meetings as brief as possible. One way to do that is to create a meeting agenda and stick closely to those objectives, ultimately avoiding off-track conversations. Meeting

organizers should make it a point to allow all attendees to speak-up and keep engaged. This is a solid way to make attendees feel like their involvement in the meeting was not just ear-time, but rather full input. Lastly, the category of “Technical Issues” can be a frustrating impediment to virtual meetings. Whether you use Zoom, Google Hangouts, Skype, GoToMeeting, or Microsoft Teams, similar headaches and threats can take control. So regardless of the platform used, all meeting attendees should give themselves at least 5-10 minutes prior to the meeting time to download the application and ensure they can enter the meeting properly. One of the more common technical issues is connection glitching or lag, in which you will want to just log off and re-join the meeting to get it back on track. It should also be understood that when using any online platform, the threat of cyber and information breach is possible. So be sure to ask your IT expert all the ways you can mitigate breaches and cyber-related incidents. We do not really know how much longer we will have to use virtual meetings, but regardless of the uncertainty, it’s never too late to address these categories of virtual meeting hindrances. None of the solutions are complicated or even require much effort, but they can make the difference between a productive virtual meeting or a timewasting one. Written by: Jack Pittas, Sami Satouri, Samantha Loritsch, and Dean Satouri Quest Insurance Employees 703-961-8886 ssatouri@questinsurance.us

WINTER WEATHER CHECKLIST

Schedule complete routine inspections for all space heaters to ensure safe operation Ensure adequate clearance is maintained between all heating equipment and combustible walls, floors, partitions, platforms, and stock

Be Prepared!

Fire Protection Equipment/Domestic Water Lines

When preparing for a possible winter storm or freeze, use this checklist to minimize your facilities exposures. The following checklist is intended to provide you with the general information needed to plan and implement an adequate response to catastrophic winter weather exposures. The purpose of this form is to help protect lives, property, and other assets and to ensure a prompt and efficient transition from emergency operations back to normalcy. (This checklist provided courtesy of Philadelphia Insurance Company).

General Precautions Review and implement a strategy to combat pipe freeze, breakage, and subsequent water damage Initiate a well-trained emergency response team and review annually to ensure duties are current Develop a list of phone numbers for emergency response contractors, and appoint someone to monitor weather reports Buildings Maintain indoor temperatures above 45° F in heated areas to prevent pipe freeze-ups. Install low temperature alarms at remote buildings

Lubricate all sprinkler control valves and locks to permit ease of operation Label location of outside sprinkler control valves and hydrants for easy visibility Convert any wet pipe systems in unheated areas to dry or anti-freeze systems

ACTIONS TO TAKE PRIOR TO FREEZING TEMPERATURES/WINTER STORMS CHECKLIST YES

Establish a procedure to ensure snow is routinely cleared away from hydrants, sprinkler control valves, smoke and heat vents, and other essential equipment, and to make sure this equipment is easily accessible

For dry systems: maintain all dry valve rooms above 45°F, insulate enclosure or provide portable heaters if necessary. Check pitch of piping and drain all low points and auxiliary drains. Make sure fire pump room is properly heated and the system is operational Inspect all gravity tanks for leaks (ice accumulation can create risk of collapse) Shut and drain “close-in-winter” systems or convert to antifreeze systems Check the specific gravity of all existing anti-freeze systems to see if more concentrate is needed

Ensure windows, doors, and skylights are weather-tight Insulate walls and investigate concealed spaces for areas lacking insulation. Consider providing temporary interior openings to allow in heat. Roofs Assess your roof’s capacity for excessive snow loads Institute a roof snow removal program for after a heavy snow to help reduce excessive snow loads and blocked roof drains from ice

All wet pipe standpipe systems with piping located in areas subject to freezing should be heated, insulated, and monitored for temperature Connections to all water flow alarms should be properly drained to prevent freezing Use a fire protection impairment kit when shutting off fire protection systems for maintenance

Heating Systems

Insulate water supply, drain, and condensate lines susceptible to freezing (near doorways, uninsulated outside walls, or adjacent to open windows) or provide UL listed heat trace insulate

Examine the entire heating system components (e.g. boilers, piping, burners, and controls) prior to the cold weather. Repair all deficiencies.

Remove all hoses from outside water faucets and install “frost-proof” self-draining type faucets or isolated indoors and opened to drain

Ensure attics are fully insulated; maintain ventilation in attic spaces to control for ice dams

YES

ACTIONS TO TAKE FOLLOWING FREEZING TEMPERATURES/WINTER STORMS

Miscellaneous Maintenance Provide adequate heat for water-cooled equipment

YES

Initiate salvage activities immediately, including:

Use lubricants on low-temperature applications in equipment such as pumps, blowers, and compressors in areas subjected to freezing temperatures

Secure site (remove high value or water sensitive items) and assess damage (take photos and video)

Remove water from oil coolers and water jackets, and drain condensers of chilling units for air conditioning

Implement the action plan for the storm emergency team Institute the emergency repair program with utility contractors after loss of electric or gas power, telephone services, or public water supply

Check pressure vessel vents, relief valves, and safety valves to assure moving parts are functional Construct wind breaks for piping and instruments subjected to low wind chills

Return all fire protection systems to service as soon as possible

Verify adequate fuel supplies in the event of a large storm, particularly with oil-fired equipment and for emergency generators

Contact your insurance agent to report any claims Written by: Connie Phillips, CIRMS Connie Phillips Insurance 888-439-0479 cpi@insurance-financial.net

Contact manufacturers and contractors of critical machinery to establish a contract for priority support with backups Install water detection devices and/or water flow monitoring systems to quickly identify water leakage

Connie Phillips Insurance CONDOMINIUM & HOMEOWNERS ASSOCIATION INSURANCE CONSULTANT As an Independent Insurance Agency, CPI has unlimited access to the major carriers for Condo coverages. Our COMPARATIVE RATER PROGRAM allows us to provide you with a comparison of coverages and premiums. Experienced in reviewing and assisting in the selection of Master Policy coverages, attending board meetings, and offering on-site insurance and financial seminars. *** Complimentary Breakfast or Lunch-n-Learn Seminars. ***

Property • General Liability Umbrella • Excess Limits Directors & Officers Liability Fidelity Bond • Flood Call us today for a review of your Condominium/Homeowners Association insurance programs

888.439.0479 Frederick, MD  301.662.5717 Virginia Beach, VA  757.761.7757 24/7: 240.409.8400  240.409.8405 Serving MD, VA, DC, WV, PA www.insurance-financial.net

We had a great day at our Virtual Annual Symposium & Expo on Tuesday, October 27th!

Many Thanks to our Expo Sponsors!

Barkan Management, LLC 703-738-2501 Contact: Mike Feltenberger mfeltenberger@barkanco.com

ETC 703-450-6220 Contact: Mindy Maronic mmaronic@aol.com

Becht Engineering BT 410-461-3904 Contact: James Anderson janderson@bechtbt.com

D.H. Bader Mgmt Services, Inc. 301-953-1955 Contact: David Bader dbader@dhbader.com

Pro Painting & Contracting 410-440-1440 Contact: Jeff Corelitz jcorelitz@gopropainting.com

Raine & Son, LLC 301-864-1122 Contact: Carrie Ehart cehart@raineandson.com

Tidewater Property Management 443-548-0191 Contact: Matthew Merckel mmerckel@tidewaterproperty.com

Many Thanks To Our 2020 Virtual Exhibitors

AssociaÂŽ - CMC

Atlantic Maintenance Group

BB&T Association Services

301-692-1700 Contact: Mac Staples MStaples@cmc-management.com www.AssociaOnline.com

410-768-4720 Contact: Gary Saylor info@amgmd.com www.atlanticmaintenancegroup.com

703-284-0561 Contact: Tavarious Butts Tavarious.Butts@BBandT.com www.BBT.com/AssociationServices

CIT

Community Association Underwriters of America, Inc.

CoreCom Commercial Painting

301-639-5503 Contact: Noni Roan noni.roan@cit.com www.cit.com

Criterium-Harbor Engineers 410-363-4659 Contact: Craig Smith csmith@criterium-harbor.com www.criterium-harbor.com

800-228-1930 Contact: Michael Romano, Jr. mromano@cauinsure.com www.cauinsure.com

Deeley Insurance Group

410-213-5579 Contact: Melissa Esham mesham@deeleyinsurance.com www.deeleyinsurance.com

301-458-1635 Contact: Kellen Seligman kseligman@corecomcommercial.com https://corecomcommercial.com/

DoodyCalls Pet Waste Removal System

434-806-4862 Contact: Kerrie Zander kzander@DoodyCalls.com www.doodycalls.com

FirstService Residential, AAMC 443-356-4464 Contact: Trent Harrison trent.harrison@fsresidential.com www.fsresidential.com

National Cooperative Bank 703-302-1928 Contact: Don Plank, PCAM dplank@ncb.coop ncbassociationbanking.coop

SOLitude Lake Management

888-480-5253 Contact: Lynda Maschue lynda.maschue@solitudelake.com www.solitudelakemanagement.com

HOA-Assistant - Zigbo, llc 443-296-2009 Contact: Jeff Titus jeff.titus@hoa-assistant.com HOA-Assistant.com

RESCON Restoration & Construction

833.4RESCON / 240.461.8380 Contact: Beth Bencivenni bbencivenni@goRESCON.com goRESCON.com

The Falcon Group

240-328-1095 Contact: J. Stewart Willis, R.S. swillis@falconengineering.com www.thefalcongroup.us

Walker Consultants

202-763-8979 Contact: Kirby McCleary, PE kmccleary@walkerconsultants.com www.walkerconsultants.com

Minkoff Company, Inc.

301-652-8711 Contact: Kara Permisohn kpermisohn@minkoff.com www.minkoff.com

ROOFPRO. LLC 443-896-4722 Contact: Kelly Rae kelly@roofpromd.com www.marylandroofers.com

USI Insurance Services LLC 703-340-0716 Contact: Jessica Knutsen jessica.knutsen@usi.com www.usi.com

Whiteford, Taylor & Preston LLP 443-856-6410 Contact: Chad Toms ctoms@wtplaw.com www.wtplaw.com

Many Thanks To Our Expo Speakers & Committee Members For All Of Your Hard Work In Helping To Make The Expo Such a Great Success! EXPO SPEAKERS • Craig Zaller, Esq. - Principal and the Managing Partner, Nagle & Zaller, P.C. • Cris Helle - Retired & current HOA Board Member, Worman’s Mill Community Conservancy • Joanne Fralliciardi, CMCA, AMS - Community Manager, Community Association Management, LLC, AAMC • Kerrie Zander, PCAM - Sales Representative, DoodyCalls Pet Waste Removal & Chesapeake Chapter Board Member • Ellen Throop, Esq. - Principal, Elmore & Throop, P.C. • Christy Stevens, CMCA, AMS, PCAM - Community Manager, Community Association Management, LLC, AAMC • Ursula K. Burgess, Esq. - Shareholder, Rees Broome, P.C. & CAI National President • Josh McQuaid - Project Manager, Atlantic Maintenance Group • Peter S. Philbin - Shareholder, Rees Broome, P.C. • Robin Manougian - Vice President, CIRMS, John Manougian Insurance, A Division of JGS Insurance

EXPO COMMITTEE • Ellen Throop, Esq. - Elmore & Throop, P.C., Committee Chair • Joanne Frallicciardi, CMCA, AMS - Community Association Management, LLC, AAMC, Committee Vice-Chair • Kerrie Zander, PCAM - DoodyCalls Pet Waste Removal, Board Liaison • Vicki Eaton, CMCA, AMS, LSM, PCAM - Community Association Services, Inc. • Josh McQuaid - Atlantic Maintenance Group • Matt Mericle, CMCA - AMS, Condominium Venture, Inc., AAMC • Kelly Rae - RoofPro, LLC • Michael Romano - Community Association Underwriters of America, Inc. • Gary Saylor - Atlantic Maintenance Group • Christy Stevens, CMCA, AMS, PCAM - Community Association Management, LLC, AAMC • B.K. Swartwood, CMCA, AMS, PCAM - Comsource Management, Inc., AAMC 17

WEAVER BROS. INSURANCE ASSOCIATES PLATINUM SPONSOR SHOWCASE Advice from one of the DMV’s largest privately owned, independent, full-service insurance agencies, saving clients time and money. We offer our clients a high level of customer service and intelligent solutions for their insurance needs especially in the area of community associations which is one of our specialty niches. Weaver Bros. Insurance/Risk Strategies provides insurance for thousands of communities across the country. In December 2019, Risk Strategies, a privately held national insurance brokerage and risk management firm, acquired Weaver Bros. Insurance Inc., to build one of the largest insurance agencies in the region. With the acquisition, we now have over 90 offices across the country. Through strong insurance company relationships, our agents are able to develop the most comprehensive personal (unit owners) and commercial insurance programs for associations. As a full-service agency, we oversee claim adjustments in-house and take claim reports around the clock, providing quick turn-around times and unparalleled convenience and customer service. This dedication to client satisfaction is evidenced by our many long-standing client relationships. • Property

• Fidelity/Crime

• General Liability

• Social Engineering

• Directors & Officers

• Flood

• Environmental Pollution/Mold

• Earthquake

• Workers Compensation

• Umbrella/Excess liability

While recognizing that our long-established traditions are intrinsic to Weaver Bros. Insurance corporate DNA and will never be abandoned, we have moved forward at every opportunity to incorporate the latest technologies to maximize the delivery of services to our customers. The new user friendly website and client portal are examples of our commitment to technology and one of the many benefits we offer our clients.

Dear Board Members,

FirstService Residential thanks you, our new communities in the Chesapeake area, for trusting us to do what is needed during these difficult times. As North America’s property management leader, we understand the necessity to deliver support and solutions above the status quo, especially when experiencing challenges associated with COVID-19. We are aware of the impact this virus has had on our board members and communities at large. That’s why we are dedicated to helping you navigate this unprecedented time with greater confidence and peace of mind. Our depth of experience and resources are best equipped to handle issues of this nature. During the crisis, we have onboarded 25 new communities in the region comprised of over 8,200 units. As your trusted advisor, we fulfill our mission by delivering exceptional service and solutions that enhance the value of every property and the lifestyle of every resident in your community. Thank you for partnering with us and for your unwavering commitment to your residents and community. We appreciate all that you do.

“

The most immediate difference with FirstService Residential was their ability to understand and incorporate technology allowing for more efficient communication and decisionmaking. Frustrations that seemed to have dragged on for months were resolved in a few days. Their strong communication with our board, their Connect portal and visible turnaround time for maintenance issues have helped during a socially-distanced pandemic period. — Board President

”

Sincerely, Michael Mendillo President

Trent Harrison, PCAM® President, MidAtlantic

www.fsresidential.com

410.493.4611

he Maryland Legislative Action Committee won a great victory for condominiums throughout Maryland in 2020 with the passage of House Bill 108 and Senate Bill 175. Sponsored by Del. Dana Stein (D-Dist 11) and Sen. Chris West (R-Dist 42), these bills served to raise the maximum amount of the master insurance policy deductible that a unit owner may be held responsible for from $5,000 to $10,000, keeping pace with the increasing deductibles that condominiums are facing.

Background Many board members and managers are surprised to learn of the existence of Section 11-114(g)(2) of the Maryland Condominium Act. This section assigns statutory responsibility for the payment of the Condominiumâ€™s master insurance policy deductible based solely on location where the claim originated, without consideration of fault. This law originally went into effect on June 1, 2009, as a result of years of costly litigation over responsibility for the insurance deductible. When a condominium master policy is triggered, there is a deductible amount that must be paid by the condominium itself before insurance pays the remainder. In 2009, that amount was often $5,000. So an insurance claim would be made, due to a broken pipe for example, and the carrier would adjust and pay the claim, minus the first $5,000. Prior to 2009, the condominium and the unit owner would argue and point fingers over whose fault the issue was, leading to fights, lawyers, questions of proof, and rising costs. In order to reduce the cost and animosity this situation was creating and to set clear responsibilities, the legislature created what is today Section 11-114(g)(2) of the Maryland Condominium Act. This law essentially said that if an insurance deductible is triggered, it is paid by the owner of the unit where the cause of loss originated. If the loss originated in the common elements, the deductible was a common expense, to be paid by the Condominium. This law applied regardless of fault. While board members and managers on occasion may be frustrated by the apparent unfairness of a leak that seems to have been caused by owner conduct, a big picture view demonstrates that this apportionment of risk has saved condominiums and owners significantly in the last decade by reducing litigation and insurance costs surrounding the collection of the insurance deductible.

Maryland Raises Insurance Deductible Unit Owner Responsibility to $10,000 Rising Deductibles Mean Losses for the Condominium The amount of the deductible that can be collected from an owner is presently limited by the statute to $5,000, regardless of any higher deductible that the Condominium may actually owe. When the law first took effect in 2009, a $5,000 cap on the deductible amount was in line with the market at the time. However, in the years since, inflation, rising costs, and multiple claims on the same policy have led some condominiums to see their deductible amount rise to $10,000, or even above. Under Section 11-114(g)(2), any deductible amount over $5,000 becomes a common expense. This once again threw the apportionment of risk out of balance; now even if the owner of the unit where the damage originates is held responsible, the Condominium could still end up paying $5,000 or more on an insurance claim that originates from that ownerâ€™s unit.

The New Law Thanks to the efforts of CAIâ€™s Maryland Legislative Action Committee, Section 11-114(g)(2) will be amended, effective October 1, 2020, to raise that cap on the deductible amount collectible to $10,000. Now if a claim originates in a unit and the Condominium has a $10,000 deductible, the owner of that unit is statutorily responsible for the entire $10,000. Additionally, the Condominium Act was previously silent on whose responsibility the deductible was for a claim that originated from outside both the units and the common elements; this new law makes it clear that in such a situation, the deductible is once again a common expense and not to be passed through to any Unit Owner. The law still requires condominiums to put their unit owners on notice of this potential responsibility in order to make it collectible. Condominiums generally send this notice out with their annual updates; however, in order to make this increased amount enforceable against unit owners, the board will need to send out a notice in advance of the effective date of October 1, 2020. That is, in order to collect the full $10,000 from a unit owner if a casualty loss occurs on October 2, the condominium must have notified the unit owners in advance of the increased responsibility. Neither the old law nor the upcoming amendment creates any independent obligation or authorizes the Condominium to collect amounts that would not otherwise be incurred. This law is only triggered in

situations where the Condominium is obligated to pay an insurance deductible, and its cap is just that: a maximum amount that the Condominium may lawfully collect. However, if the Condominium has a lower deductible, it may not collect an amount greater than the deductible from the unit owner. Put simply, if the Condominium deductible is $1,000, $2,500 or $5,000, then that is the maximum amount the Condominium may collect from the owner of the unit where the damage originated, this law notwithstanding.

What About HO-6 Policies? The condominium master insurance policy generally provides for bringing the common elements and the units back to their condition prior to the casualty loss, exclusive of betterments and improvements. Unit owners may be required by the Bylaws to have in place condominium unit owner insurance policies, known as HO-6 policies. These policies typically cover the master policy deductible obligation discussed herein, which is another development that has decreased the frequency and cost of such disputes. If Section 11-114(g)(2) is triggered and the unit owner has HO-6 insurance, they typically need only notify their carrier, and the payment is made. Owners would be wise (and board may wish to encourage them) to reach out to their HO-6 carriers to confirm that they will be covered up to the new legal maximum.

The Takeaway The amendment to the statute taking effect on October 1, 2020, does not dramatically change the process or alter the way in which this statute functions. However, it is a critical update to keep pace with the rising costs of insurance. The law has a few key steps to comply with in order for condominiums to fully benefit from its enactment; boards should work closely with management, legal counsel, and their insurance agent to be certain they are well positioned to gain from this legislative leap forward. Written by: Brian R. Fellner Fellner Legal Services 443- 906-0117 bfellner@flslawyer.com

*continued from page 9

ANSWER KEY 1 A

4 C

410 - 7 6 6 - 2 8 5 5 nac@nacontracting.com

2 D

5 B

3 B

6 D

Welcome New Members! New Chapter Members: July–September, 2020

Mr. Doug Adams The Village of Five Points Ms. Christina Addison Academy Row Homeowners Association, Inc. Ms. April Barnes Potomac Valley Management Company, LLC

Ms. Suzanne Delica Academy Row Homeowners Association, Inc.

Mr. Brian Johnson Harbour Club Condominium Association

Ms. Kalisa Proctor Potomac Valley Management Company, LLC

Mrs. Brenda Desormeaux Pheasant Run Homeowner's Association, Inc.

Mr. Don Langridge Townhomes of Timberland, Inc.

Mr. Robert Rinaca Fallston Commons Homeowners Association, Inc.

Miss Tina Downs The Village of Five Points

Mr. Gary Boggs The Parke at Ocean Pines

Mr. John Eikrem The Village of Five Points

Ms. Leila Bristow Townhomes of Timberland, Inc.

Mr. Jordan Fox WPM Real Estate Management

Ms. Maureen Brubaker Salt Pond Homeowners Association

Mr. Michael Gerich Acton's Landing Condominium Association

Ms. Casandra Bumbry Villas at Regent Park

Mrs. Tiffany Guido The Village of Five Points

Ms. Cede Calkins The Parke at Ocean Pines

Ms. Demetria Hall Potomac Valley Management Company, LLC

Mr. John Ciresi Fallston Commons Homeowners Association, Inc. Ms. Sandra Cohen Acton's Landing Condominium Association Mr. Michael Coster MRA Property Management, Inc. Mr. Ron Cox Broad Creek Condominium Association Mr. Glenn Davis Salt Pond Homeowners Association

Mr. Jim Ryan The Parke at Ocean Pines

Mr. Jason Mantzouranis Academy Row Homeowners Association, Inc. Ms. Beth Maskell The Village of Five Points Ms. Joanie Mayle Community Management Corporation Mr. Jordan McClung Community Management Corporation Ms. Nena McDonald Villas at Regent Park

Mr. James Scott Townhomes of Timberland, Inc. Ms. Cathi Sleight VoteHOANow - Strateja-XL, Inc. Mr. Michael Snyder The Harborview Towers Ms. Emma Stokes The Harborview Towers Jingran Sun Village of Montgomery Run Condominium

Ms. Taliea Michelle Pack

Mr. Richard Tompkins Acton's Landing Condominium Association

Mr. Bob Murphy The Village of Five Points

Ms. Barbara Ann Unkle The Village of Five Points

Ms. Sally Neustadt The Harborview Towers

Mr. Donald Hines Townhomes of Timberland, Inc.

Mr. Ron Vanlent Solitude on White Creek

Mr. Frank Piorko The Village of Five Points

Mr. Amir Ibrahim Community Management Corporation

Ms. Lynne Piper Townhomes of Timberland, Inc.

Ms. Diane Weiss Fallston Commons Homeowners Association, Inc.

Ms. Sharolyn High Fallston Commons Homeowners Association, Inc. Mr. Norman Bradley Hill Stone Mill Homeowners Association, Inc.

Lawyers for communities in Maryland and Delaware Julianne E. Dymowski, Esq. – 202.659.6795 Chad J. Toms, Esq. – 302.357.3253 Raymond B. Via, Esq. – 301.804.3611 Rockville, MD: 301.804.3610 Ocean City, MD: 443.856.6410 Bethany Beach, DE: 302.829.3040 Wilmington, DE: 302.353.4144 www.wtplaw.com

Mr. Charles Laws American Community Management

Mr. Dave Zelikoff The Village of Five Points

Complete Disaster Restoration Since 1962

24 Hour Emergency Service

Dani Bressler, CAS dbressler@toepferco.com www.toepferco.com 1101 Ritchie Road, Capitol Heights, MD 20743 • Ph: 301-336-8600

Your search for a trusted partner is over! • Landscape Maintenance • Retaining Walls • Custodial Services • Concrete • Fencing

• Snow & Ice • Tree Services • Pavers • Installation

SCHEDULE AN APPOINTMENT

Call (410) 780.0870 dan@lazolandscaping.com

LAZOLANDSCAPING.COM 23

We had a great Virtual Roundtable Webinar on Friday, October 16th! Many Thanks to our Delmarva Committee and Roundtable Speakers for putting on a great webinar and a special thank you to our Sponsors!

to our Roundtable Webinar Speakers & Sponsors Speakers