Spring/Summer 2021

S P R I N G / S U M M E R 2 02 1 I S S U E

THE

BEACON A CHAPTER OF THE COMMUNIT Y ASSOCIATIONS INSTITUTE (CAI)

IT’S ELECTRIC!

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iven the news about General Motors’ pledge to stop making gasoline-powered cars by 2035, the pressure upon associations to make accommodations for the installation and use of charging stations for electric vehicles is greater than ever.

While the numbers right now don’t seem all that impressive (less than 2% of the vehicles on the road today are electric-powered), the recent announcements by GM seem to be a signal that market forces are beginning to significantly shift. When the biggest car manufacturer in the country pledges that at least 40% of their new sales by 2025 will be battery-powered electrical vehicles, that pledge seems seismic.

2021 DIAMOND SPONSORS Atlantic Maintenance Group, LLC Becht Engineering BT E&F Contracting, Inc. Hann & Hann Construction Services Kris Konstruction Roofing Professionals Minkoff Company, Inc. Palmer Brothers Painting & General Contracting Quest Insurance Risk Strategies Company RoofPro, LLC SageWater Simmerer Insurance

As a state, Maryland appears fully charged.

Currently, there is a bill pending in the Maryland General Assembly to amend the Maryland Condominium and Homeowners Association Acts to void any recorded covenant or restriction contained in a declaration, set of bylaws, or rules if such covenant, restriction, or provision effectively prohibits or unreasonably restricts the installation or use of electric vehicle (EV) charging equipment in an owner’s deeded parking space or a space that is designated for use by a particular owner.

APPLICATIONFORAPPROVALPROCESS As proposed, the legislation would require most Boards to establish an application-for-approval process for the installation of EV charging equipment and to accept an

SOLitude Lake Management The Falcon Group Tidewater Property Management, AAMC TRC Engineering

2021 PLATINUM SPONSORS CIT Davis, Agnor, Rapaport & Skalny, LLC Nagle & Zaller, P.C. Quiza Management, LLC S&K Roofing, Siding & Windows, Inc.

owner’s proposed installation if it does not unreasonably impede the normal use of the area outside the parking space and is reasonably possible. In most cases, Boards would be required to act on an application within 60 days and render a decision either approving or denying the application in writing.

OWNER COMPLIANCE As proposed, the legislation permits Boards to require owners to comply with all relevant building codes, safety standards, and existing architectural standards. Boards may compel owners to obtain local permits, require the installation to be conducted by a licensed contractor, and require owners to pay for electricity usage through separate metering.

2021 GOLD SPONSORS BB&T Association Services now Truist Condominium Venture, Inc., AAMC D.H. Bader Management Services, Inc. FirstService Residential North Arundel Contracting Whiteford, Taylor & Preston LLP

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In This Issue It’s Electric! Maryland Proposes Legislation to Accommodate Electric Vehicles . . . . . . . . . . . . . . . . . . Cover President’s Message . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 Members in the News . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 Installing a Communal Electric Vehicle Charging Station . . . . . . . . . . . . 5 Diamond Sponsor Showcase—Simmerer Insurance . . . . . . . . . . . . . . . . . 7 CAI Committee Spotlights . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8 Diamond Sponsor Showcase—Tidewater Property Management . . . 10 Join Us for Our 2021 Annual Symposium and Expo! . . . . . . . . . . . . . . . . 11

EXECUTIVE BOARD

President . . . . . . . . . . . . . . . . G ail Windisch, CMCA, AMS, PCAM Tidewater Property Management, AAMC President-Elect . . . . . . . . . . . Susan Rapaport, Esq. Davis, Agnor, Rapaport & Skalny, LLC Vice-President . . . . . . . . . . . . B.K. Swartwood, CMCA, AMS, PCAM Comsource Management, Inc., AAMC Treasurer . . . . . . . . . . . . . . . . Vicki Eaton, CMCA, AMS, LSM, PCAM Community Association Services, Inc., AAMC Secretary . . . . . . . . . . . . . . . . James Anderson, PE Becht Engineering BT, Inc.

DIRECTORS

Rebecca Clemson-Petrik, CMCA, AMS, PCAM, FirstService Residential Roderick G. Clark, III, The Towers Condominium, Inc. Cynthia McKoin, Potomac Ridge Condominium, Inc. Kelly Rae, RoofPro, LLC DelMarva

Staying Productive While Working From Home . . . . . . . . . . . . . . . . . . . . 12 CAI National Recruiter of the Month . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12

COMMITTEE CHAIRS

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

Education

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

EXPO

Ellen Throop, Chair Davis, Agnor, Rapaport & Skalny, LLC Joanne Frallicciardi, CMCA, AMS, Vice-Chair Community Association Management, LLC, AAMC

Golf

Scott Karam, Chair Kris Konstruction Roofing Professionals Kara Permisohn, Vice-Chair Minkoff Company, Inc.

Annual Social

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

Platinum Sponsor Showcase—S&K Roofing . . . . . . . . . . . . . . . . . . . . . . . . 26

Maryland Legislative Action Committee

Steve Randol, Chair Piney Orchard Community Association

2021 Beacon Advertising Rates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27

Membership

Ron Bridge, Chair Risk Strategies Company Mary Underwood, CMCA, Vice-Chair Condominium Venture, Inc.

Newsletter

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

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

Nichol Means, CMCA, Chair Community Association Services, Inc. Mahogani Brevett, Vice Chair Comsource Management, Inc., AAMC

Legislative

Cynthia Hitt Kent, Chair Law Office of Cynthia Hitt Kent, LLC Ruth Harlan, Vice-Chair Carroll Vista Community Association

On-Site Registration for PMDP Classes

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

Diamond Sponsor Showcase—The Falcon Group . . . . . . . . . . . . . . . . . . 13 Insurance Case Study: You Have a Water Loss to Multiple Units... Now What? . . . . . . . . . . . . . . 15 CRC CAI Diamond Sponsor Spotlight Podcast . . . . . . . . . . . . . . . . . . . . . . 16 Diamond Sponsor Showcase—E&F Contracting . . . . . . . . . . . . . . . . . . . 17 Spring Operations On Your Sites . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19 Platinum Sponsor Showcase— Davis, Agnor, Rapaport, & Skalny . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20 Welcome New Members! . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22 2021 Educational Breakfast Webinars & Seminars . . . . . . . . . . . . . . . . . . 23 Robotics in Landscaping: Industry Disruptors . . . . . . . . . . . . . . . . . . . . . . 24 2021 PMDP Course Schedule . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25

CAI CHESAPEAKE REGION CHAPTER

Stephen McConoughey, Executive Director Angela Marsh, Marketing and Events Manager Chris Killian, Office Administrator PO Box 6838, 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.

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President’s Message Dearest Chapter Members, Summer is almost upon us, and we are all hopefully basking in the glow of the sunlight and warmer temperatures! Now is the time to go outdoors, get a jump start on the projects you have been putting off all winter, and spend your days gardening, golfing, or whatever other outdoor activities you enjoy. Life is too short, my friends, to constantly focus on all work and no play.

After losing a dear friend and colleague of mine in early April and hearing the comments during her services of how much she loved her job and work family, the time she spent with friends and family, and the short time that we felt we had with her, it brings so many thoughts and emotions out that remind us of what is truly important.

We are all hard-working individuals that strive for excellence in our professional and personal growth. Honestly, if we weren’t those types of people, we probably wouldn’t be as connected as we all are in this Chapter, and constantly have each other’s backs in all that we do, which inevitably contributes to our success. However, our focus can’t always be on the professional side alone; and we should always make time for our family, friends, and personal health, as they are just as important to our lives as the professional side of things.

I know for me, the pandemic forced me to slow down, appreciate the small things and focus on my health and well-being. Although work never slowed down, and probably got busier (if that was even possible),

MEMBERS IN THE NEWS Knutsen Receives CIRMS Designation Jessica M. Knutsen has attained her Community Insurance & Risk Management Specialist (CIRMS) professional designation awarded by Community Associations Institute (CAI). The CIRMS designation recognizes a demonstrated high level of competency within the risk management profession. It requires at least five years of experience as a practitioner in the community association insurance industry, a specific number of community association clients, and significant participation with CAI at the local and national level. Jessica has been practicing insurance for 15 years and is a Vice President from the USI Community Associations Insurance division in Falls Church, VA.

I was able to maneuver through it by finding ways to “turn off ” work when the work hours were over. It certainly wasn’t an easy task, and trust me when I say, it’s still a work in progress, but it has completely changed my mood and health, and just made me a happier person. I know plenty of us that burn the midnight oil because if we just get that one more email responded to, one more RFP sent out, one more bid sent out, one more phone call made, that tomorrow will be easier and less stressful. Raise your hand if that actually works. What? No hands in the air? Exactly. Tomorrow will be another day and unless your delete button is stuck on your keyboard, those emails will still be there when you return. Enjoy the sunshine. Smile. Laugh. Live.

Best wishes for a wonderful and relaxing summer!

Regards, Gail Windisch Chesapeake Region Chapter President

“Sometimes self-care is exercise and eating right.

Sometimes it’s spending time with loved ones or taking a nap. And sometimes it’s watching an entire season of TV in one weekend while you lounge around in your pajamas. Whatever soothes your soul.”

—Nanea Hoffman

IN MEMORIAM It is with deepest regret that we announce the sudden passing of Ms. Lynn Kahlenberg, CMCA®,.

Lynn was a Community Manager for several years with Wallace Campbell and Brodie Management before finding her home with Tidewater Property Management, Inc. where she worked for over 6 years as a Community Manager and in a Team Lead supervisory position. Lynn was a positive force, always smiling and sharing her wisdom, and couldn’t be found without her tumbler cup full of diet soda. In her spare time, she enjoyed days at the pool, spending time with her beloved twin sister, her brother and other family members, and most of all, being a true friend to many. She will be sorely missed by all who knew her.

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Boards may hold owners responsible for damage resulting from the installation, maintenance, repair, removal, or replacement of the equipment and related costs. Boards may further require owners to pay the costs of restoration to the property upon removal of the station.

Boards must be aware that not all charging equipment works for all types of vehicles. For example, a particular charging station may work for Chevy Volt but not a Tesla. A “one size fits all approach” for approving applications may not be available given varieties in the marketplace.

GRANTING OF LICENSES

ELECTRICAL CONNECTIONS

As proposed, the legislation also allows Boards to grant licenses, up to 3 years, with renewable option terms, on any common element or area for the installation of equipment or to supply electricity to a charging station, subject to owners providing a certificate of insurance naming the Association as an additional insured, among other things.

Placement and location of wiring is going to be an important issue to navigate. The wiring cannot be a trip hazard or an aesthetic blight.

Owners must also understand that associations cannot guarantee available electrical service 24/7. Interruptions in utility service out of the association’s control should be expected.

PENALTIES FOR PARKING IN SPACES DESIGNATED FOR ELECTRIC VEHICLES

SAFETY

continued from cover page

A separate bill proposes to prohibit vehicles from stopping, standing or parking in a parking space designated for EV charging, except during charging itself. Statutorily compliant signage is required to be maintained. Associations will be able to utilize towing as an enforcement mechanism for violations.

Understanding the proposed law may be the easy part. If the proposed legislation passes, the harder part may be actual implementation by Boards. Some considerations are:

TYPES OF CHARGING STATIONS There are 3 types of EV charging stations available in the market: Level 1, Leve1 2 and Leve1 3.

Level 1 chargers are those that plug into a regular 120 volt outlet.

Level 1 charging is the easiest and most basic way to charge an electric vehicle as it allows for the vehicle to be charged by plugging a cord into an ordinary household electrical outlet. Level 1 charging equipment is standard on most electric vehicles. In most instances, owners can simply plug their vehicles into nearby outlets, as Level 1 charging typically only requires a 15 or 20-amp, single pole breaker. Level 1 charging is the easiest way for a community association to accommodate an individual unit owner’s request to charge an electric vehicle.

However, one of the common criticisms to charging a vehicle using a Level 1 charger is that it takes significantly longer when compared to a Level 2 charger. Level 1 chargers only get about 2 to 5 miles of charge per hour. Therefore, Boards should expect to receive requests from owners to install a Leve1 2 charger and accommodate them. Level 2 charging equipment provides electricity to an electric vehicle through a 240 volt or 208 volt electrical service and is typically hardwired to the existing electrical systems. A Leve1 2 charging system requires the installation of charging equipment and a dedicated 20 to 80 amp circuit. They usually obtain about 10 to 20 miles per hour of charge.

Level 3, known as the DC Fast Charging system, are the big outdoor charging stations commonly found in public fueling stations or along interstate highways. They cost about $60,000.00 to install and get 180–240 miles per hour of charge. They charge vehicles using a 480-volt direct current (DC) plug. Owning and maintaining these stations are expensive. The electrical system required to accommodate this type of station must handle a significantly higher electric load capacity. Most owners and associations will not be going in this direction.

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Most owners and Boards are not aware that there is a huge safety consideration with respect to electrical vehicles. Boards will need to educate owners. For example, electric vehicle engines must be turned off while connected to a charging station. Because the batteries are lithium ion, vehicle fires can’t be put out with a conventional extinguisher due to the chemical interaction between the battery and the retardants. Water, while effective, can also cause the batteries to reignite. Owners need to be educated on proper use of the station and what to do in the event of a fire. The presence of open gasoline, motor oil and other hazardous, explosive or flammable materials near designated charging stations is dangerous.

APPLICATION FEE Applications to install electric vehicle charging stations are not easy to review. Some Boards may want to impose an application fee to offset the time and consideration needed for the review. The governing documents and applicable statutes will need to be consulted to determine whether such a fee may be imposed.

Virtually every automaker in the world is ramping up research, development, and production of electric cars of all types, including full-size pick-up trucks. Some associations are already ahead of the curve, either implementing their own procedures prior to this proposed legislation or installing communal charging stations available for use by all members. Other Boards have plans under review.

And, finally, many Boards are not focused on this issue or are waiting to see what happens legislatively, which is understandable. If adopted, the legislation would take effect October 1, 2021*. *This article was written before the Maryland General assembly passed this legislation.

Written by: Leslie Brown, Esq. Counsel with Rees Broome, PC. 703-790-1911 lbrown@reesbroome.com

Installing a Communal Electric Vehicle Charging Station Is your association considering installing an electric vehicle (EV) charging station in the common area? If not, perhaps it should—projections show more and more plug-in vehicles are coming in the near future. The Council of Unit Owners of Kingsgate, A Condominium, Inc. located in Columbia, MD recently installed its first station.

The process involved articulating the rationale, assessing the feasibility, monitoring the installation, and bringing the system online.

For context, the community consists of 45 condominiums in a 7-story building and 44 garage townhouses, all within a single association. Each apartment has one deeded, outdoor parking place, and there are roughly 40 unassigned parking places in the common areas.

The Rationale Projections for growth in the numbers of EVs and just observing the types of vehicles seen on local streets make it clear that more and more people are buying EVs and plug-in hybrids, resulting in charging stations not being a luxury, but a necessity. In addition, changes in Howard County code require some degree of EV charging infrastructure in all new residential construction, and already constructed communities will want to “keep up with the times.” Accommodating EVs also fits with the desire to do one’s part to limit local pollution and help improve air quality. Another very significant factor was the availability of large rebates from the local utility company and the state.

Assessing Feasibility Before going forward, we asked the association’s attorney to determine whether the Board had the authority to use common-area parking places for this purpose. With a “yes” answer, the Board also asked about local requirements beyond governing documents and determined that there were no obstacles.

A critical factor to consider before going any further is the impact on general parking if one or more parking places were used for a charging station. Parking in associations is often a major

issue, of course, but the Board felt there was sufficient parking to utilize two places for this amenity.

The Board then sought community input through open discussion at Board meetings, a mass email to all owners asking for comments, and informal conversations with community members. Though there wasn’t much feedback, the Board pursued the idea because they felt that a charging station would be needed in the near future and would enhance the desirability of the community.

The next step was to select a contractor to help identify potential locations and estimate costs. It was important to select a contractor with experience and a good relationship with a well-established equipment provider. The Board wanted the station to be centrally located, close to an existing source of electricity, and have room for expansion in the future, if needed. Fortunately, there was a suitable location.

Our contractor then helped us estimate costs. For the installation, he prepared a proposal for equipment, permits, actual installation, any needed power upgrade, insurance, and rebate potential. We considered various configurations of equipment, settling on one dual-port, bollard-mount station, which would require installation of only one pedestal but would allow two vehicles to charge simultaneously. The total installation cost was a little less than $18,000, but, thanks to the rebates, the association paid only about 28% of that cost. As for operating expenses, the association treated the charging station as an amenity for our community, not necessarily income producing.

Owners utilizing the charger would pay for the electricity they use, and the association would cover the monthly service fee.

The Board then approved the project. The decision and the reasons for it were communicated to the entire community at another Board meeting and in a notice provided to all owners.

Monitoring the Installation The installation itself required a good deal of coordination with the contractor, so the Board appointed one of its directors as the project Point of Contact “POC.” The contractor provided information on the phases of the installation: trenching for the electrical lines; pouring of the concrete station pedestal and the concrete base for the power upgrade; County inspection of the pedestal; power upgrade by the electric utility; inspection of the power upgrade; and “provisioning” the station. The POC ensured that notices were posted when the various

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Finally, the Board configured the station in accordance with its decisions. Configuration required details of the financial account that would be connected to the charging station software, the creation of a logo (required by the equipment provider), creation of a “Terms and Conditions” document, the assignment of a physical address for the station, and other information. Fortunately, the station management software is relatively easy to use, there are lots of tutorials online, and the equipment provider’s help desk is outstanding.

Concluding Comments phases of work were to be performed and when adjacent parking spaces had to be vacated. On days when work was being performed, the POC stopped by the site to check on progress and to help handle any unanticipated issues. The POC also sent periodic updates to the management company and the Board. The membership was kept informed with regularly timed notices.

The total length of time for the installation process—from contract signing until station turn-on—was about 21/2 months.

Bringing the Station Online Because the Board wanted everything ready to go when the installation was complete, it was determined during the installation process who could access the station during what hours and what rates to charge. The Board documented these decisions through a formal policy, and the specifics would be incorporated into the annual budget process.

Perhaps the most important lesson the Board learned is the same one from any major project: be flexible and be ready to adapt. At various points, different people had different understandings of who should do what and when; or we made what seemed like reasonable inferences that turned out not to be the case. The Board didn’t take any of those accidental slip-ups too seriously, and did its best to adapt to changing circumstances, so everything worked out fine.

It will no doubt take some time—perhaps a long time, especially given that the pandemic has affected so many things in so many ways—to know the ultimate effect of this project. All in all, though, the Board feels that providing the community with an EV charging station is a valuable step forward in continuing efforts to be good environmental stewards and to maintain and enhance the value and desirability of the community.

Written by: Scribner Messenger, Homeowner The Council of Unit Owners of Kingsgate dir1@kingsgatecolumbia.com

A GREAT turnout at our 2021 Delmarva Breakfast Webinar!

"Use of Technology to Improve Your Virtual Meetings" Friday, April 16, 2021

MANY THANKS TO OUR WEBINAR COORDINATORS & SPEAKERS! A Special Thanks to Our Delmarva Sponsors!

Atlantic Maintenance Group Construction Systems Group Deeley Insurance Group NFP Property & Casualty Services, Inc. Tidewater Property Management, Inc. AAMC USI Insurance Services Whiteford, Taylor & Preston, LLP Wintrust Community Advantage

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SIMMERER INSURANCE

DIAMOND SPONSOR SHOWCASE 2021

Top 3 Insurance Mistakes made by Community Associations in the Chesapeake Region

3 Improper Fidelity Coverage or Limits

Maryland State Law requires community associations to carry a Fidelity Bond or Crime Insurance with a limit greater than or equal to 100% of reserves plus three months of homeowner’s fees. The simplest way to obtain the required coverage is to add the Crime coverage to an eligible package insurance policy. You’ll want to make sure the policy covers includes the property management company employees as well as the board and volunteers in the definition of insured. This coverage is recommended in states where it is not required because it protects the association funds if they are embezzled or stolen by a board member or property manager.

A little about Simmerer Insurance We are local professional independent insurance agents who know and understand community association management.

We are very responsive and respectful of your time and we offer multiple insurance carrier options for community associations.

We conduct site visits for loss control and attend board meetings upon request. For an honest second opinion on your community’s insurance package, email phil@simmererinsurance.com or call our office at 301-386-0900.

2 Directors and Officers without Non Monetary Relief

Everyone knows that community associations require D&O coverage. But not all policies are alike. Many do not include coverage for Non-Monetary claims. Non-Monetary claims are when the claimant is asking for remedy other than money.

Since Non-Monetary claims are the most common type of D&O claim, every community association should consider paying the small additional premium to add the coverage.

1 No Commercial Umbrella

A Commercial Umbrella increases the underlying General Liability and Directors & Officers Insurance limits for one low price. Umbrella can be added to an account for as little as $350 per $1M per year for most communities. In addition to increasing the underlying limits, Umbrella adds broader coverage language for much better protection.

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CAI COMMITTEE SPOTLIGHTS COMMUNICATION COMMITTEE We are looking for creative members who like to talk, email, post on social media… actually, we need members who simply like to communicate!

There is more to communication than just email, and our Chapter is looking for ways to communicate with our members that go above and beyond traditional email blasts. The Communication Committee will work with Chapter Staff to identify, test, and develop new and exciting communication methods and materials for the Chapter. Some of the ideas we’d like to test include: •

Should video be a component of the Chapter newsletter?

•

Should video snippets be included in email blasts?

•

Is there information from CAI National or the industry in general that the Chapter should be providing to members?

The committee held its first meeting on April 19th and is excited to work together to identify and brainstorm different themes and campaigns to create effective communication to Chapter members. The goal of the Communication Committee is to improve the visibility of the Chapter and to strengthen our relationship with members through our communication methods.

Contact the chapter at contact@caimdches.org for information on our next meeting!

GOLF COMMITTEE This year the Golf Committee is excited to be celebrating our 25th Annual Outing for the Chesapeake Region Chapter on Monday, August 30th! Whether you are an avid golfer or new to the game, you’re the perfect candidate to serve on this committee or play at the event.

While we only meet about eight months of the year, we are always brainstorming new ideas for how to make the outing better. For example, this year we are moving to a NEW VENUE at Norbeck Country Club.

It’s a beautiful course conveniently located off of the MD Intercounty Connector Route 200. There is plenty of space to socially distance outdoors and provide for networking opportunities throughout the day.

Take part at one of 2021’s few in-person opportunities and enjoy the company of your colleagues and friends. Sponsorships and foursomes are almost sold out. Contact the chapter at contact@caimdches.org to inquire about participating or volunteering behind the scenes.

EXPO COMMITTEE The Chesapeake Chapter Expo is traditionally the trifecta of events. It is a day of education, networking, and festivities. This is a full gathering of the entire membership, which includes managers, homeowners, and business partners. The educational component is given in a variety of ways depending upon the year. The Committee has crafted skits and game shows, enlisted prominent speakers from the industry, while involving audience interactive participation. The Committee works hard to not only bring you new and critical information but deliver it to all in a way that is enjoyable.

Being part of the Expo Committee directly contributes to the Chesapeake Chapter as well as allowing you to garner hours toward continuing education credentials. Serving on the Expo Committee is certainly a fun way to participate and volunteer your time. We are fully supported by the Board of Directors and the Chapter Staff in the way the Committee prepares each year’s event.

The Committee chooses the overall theme of the event based upon a general topic, how to facilitate the educational elements and coordinate the appropriate participants. Typically, the Maryland Legislative Action Committee joins the Expo Committee for an essential update to all the recent changes that affect our industry. We work with the managers and business partners to better secure a variety of opportunities for networking. In pre-pandemic years and hopefully again in the future Expos, we will end the event with a happy hour for a more relaxed meet and greet with our colleagues. We have met the challenges of COVID— last year bringing the membership a virtual event; this year, a combination of both in-person and virtual with select options to view the Expo digitally as well as a “Delaware Watch Party” for our members on the Shore.

We look forward to working with new Committee members as well as some more seasoned Committee members.

The Golf Committee and staff design the types of sponsorships and games that will enhance the fun for all. Because of the new course the committee will even taste test to select the menu for the day!

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.

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

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

2021 HOMEOWNER WEBINARS SCHEDULED The Chesapeake Chapter is offering the following Webinars geared specifically for Board Members & Homeowners.

COST: Members—FREE! Non-Members—$10.00 Saturday, June 26, 2021 9:30–11:30 am

ATTENTION HOMEOWNERS!

“Managing your Community’s Reputation”

Thursday, September 30, 2021 7:00–9:00 pm “Board Member Best Practices”

PLEASE NOTE: dates may be subject to change.

For more information about each seminar, visit our events page at www.caimdches.org/events.

Contact the Chapter Office for questions: contact@caimdches.org

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TIDEWATER PROPERTY MANAGEMENT DIAMOND SPONSOR SHOWCASE 2021

Tidewater Property Management, Inc. was founded in 1989 by Stanley Greenberg whom, at the time, began managing a handful of commercial and community associations in the Baltimore area. Marc Greenberg, Stanley’s son, later joined the family business after his college graduation. Word quickly began to spread of this family-owned community management company that provided excellent customer service from a team of knowledgeable professionals, and Tidewater’s portfolio began to grow.

As the company has expanded, the same family-like atmosphere that began the company in 1989, can still be felt by the employees and clients today.

Over 30 years later, Tidewater manages over 400 associations, maintains four offices and strives to provide the best service to our clients throughout the Baltimore and DC Metro areas, Pennsylvania, West Virginia, the Eastern Shore, and, most recently, the State of Delaware.

At Tidewater, we are actively involved with Community Association Institute (CAI), hold our Accredited Association Management Company (AAMC) designation, and value education for our employees. We encourage all managers and administrative team members to further their education within the industry and assist our team members in obtaining their CMCA designations within a year of joining the Tidewater family. To ensure this is possible for everyone, we have implemented an Employer Paid Education plan to provide the opportunity of continuing education to all our employees.

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As a result of these efforts, we now have 25 employees with their CMCA®, 16 employees with their AMS® and 8 employees with their PCAM® (4 of which were obtained in 2020). Not only are we active participants in the educational options through CAI, but we have also developed and implemented an internal training and continuing education program for our team.

In addition to our dedication to providing the highest level of service to clients, and encouraging our employees to learn and grow, Tidewater prides itself on staying ahead of the curve when it comes to technology and innovative management approaches. It is because of this, that we were able to move into a fully virtual workplace almost immediately as a result of the Covid-19 pandemic in early 2020. All of our management and accounting platforms are web-based and accessible to our staff, board members, and homeowners at any time of the day from anywhere. The ability to go virtual easily and quickly was a result of years of preparation by going paperless and providing our staff with the technology they need to pick up and move at a moment’s notice.

Tidewater Property Management also has a rental division that manages both single-family investment properties, as well as apartment buildings. Cody Bishop, our Director of Rental Management, also holds his Real Estate License, and represents our Tidewater Realty division. For more information regarding our community and rental management services, please reach out to us by email at info@tidewaterproperty.com, or by phone at (443) 548-0191.

Join us for our 2021 Annual Symposium and Expo at Martin’s West in Baltimore on October 19th!

We will be looking back to 2020 and discussing what we have learned from the challenges that Associations overcame and how we can use information this moving forward.

For complete details and to register visit: https://caimdches.glueup.com/event/36468/

Serving property managers, community associations and homeowners for more than 35 years Tavarious Butts VP / Relationship Manager 703-284-0561 Tavarious.Butts@BBandT.com BB&T Now Truist. Truist Bank, Member FDIC. ©2021 Truist Financial Corporation. All rights reserved.

WE’VE GOT YOU COVERED. When it comes to the law, our experience and attention to detail make all the difference.

www.darslaw.com | 410.995.5800 Community Association Formation | Community Association Governance Governing Document Guidance | Rules and Covenant Enforcement Assessment Collections | Community Association Litigation Developer Transition and Warranty Claims

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■ STAYING PRODUCTIVE While Working From Home

Stay healthy in mind and body. Try a change of scenery by taking a drive to do inspections or safely meeting with a business partner onsite. Try deep breathing and meditation for 10 minutes a day. Several apps are available like Calm or Head Space to help you with your meditation practice. Try to eat healthy and stay hydrated to keep your energy up and to keep you focused. Exercise and stretch regularly.

Sitting at a desk all day can be hard on the back and shoulders, so take a break each hour to stretch and walk.

■ Reward yourself. If I get a budget done or have a difficult call with a

It’s hard to believe it’s been a year of working remotely. Last May, I had a difficult time staying motivated. I missed interacting in person with colleagues and clients. To help stay productive and keep a positive attitude, I used the following tools.

Staying Productive ■ Make sure to have a comfortable workspace. The space should be away from family traffic and ideally in a room where the door can be closed. If that isn’t possible, consider having baskets or bins containing your current projects so it is easy to set up your workstation daily. Keep your office space clean and organized.

■ If you need privacy for a call or meeting, shut the door or hang

a ribbon that lets your family know you can’t be disturbed. Let them know your schedule each morning so they can avoid noisy activities.

Remember, during a call, if you can hear it, other people on the call can hear it (e.g. dogs barking, vacuuming).

■ Treat each day like you are going into the office. Follow a

homeowner, I will treat myself to an ice cream sandwich. Find small rewards that motivate you.

Not being in an office is new to a lot of us, and like anything new, you have to work at it to be effective. Working from home has many benefits for you and for your company, and it may be part of the future even after the world is back to normal. By staying productive and positive, you can greatly improve your experience working remotely.

Written by: Noni Roan, CMCA Vice President, Regional Account Executive, CIT Bank Community Association Banking Noni.Roan@cit.com Noni Roan is a vice president and regional account executive for CIT’s Community Association Banking business, supporting property management companies and homeowner associations in Maryland, Virginia, and Washington DC. The views and opinions expressed in this article are those of the author and do not necessarily reflect the views of CIT.

routine—set your alarm, get up and get dressed. I’ve found that wearing work-appropriate clothes (i.e. not pajamas) improves productivity. I like to work out in the morning and have a cup of coffee. The benefit of getting up the same time each day is that you set a routine, which helps to regulate sleep patterns.

■ Set boundaries with friends and family. Explain that although you

are working from home, you may not be available all day to be interrupted. On the other hand, make sure to set your work hours and stick to them. You could end the workday by writing a list of priorities for the next day so you’re not thinking about work all night. Unless you’re on call, turn off device notifications and spend time with friends and family. Balance your work and personal life.

■ Set alarms as reminders, especially if you have several virtual

meetings a day. I’m always surprised how fast the time flies when I’m answering emails or working on a project!

Staying Positive ■ If you are feeling isolated, call your colleagues or set up virtual

meetings. These can be work related or social. Maybe have a virtual happy hour after work, a painting party, or a trivia game. This is a nice way to feel more connected with your team.

■ Having a problem with motivation? Try breaking your day up into

segments. If you are more focused in the mornings, plan that time to work on the hardest tasks. Need to talk to an unhappy homeowner? Pick the time of the day when you have more patience. When you find yourself having a difficult time focusing, take a short walk or a quick nap to energize yourself. Most people are more productive working from home, especially if they take breaks as needed.

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Congratulations to our Chapter member, Rebecca Cook, General Manager and Chief Operating Officer at Symphony Village at Centreville Homeowners Association Inc., for being the CAI National Recruiter of the Month for the month of March! Your recruiting efforts are very much appreciated along with your membership with CAI! Members, don’t forget our membership committee is driving our 2021 Membership Recruitment Competition within the Chapter that will recognize our top recruiters of the year! We will track membership recruitment using the data we are provided from CAI National, so be sure new members list you as a recruiter if you helped them or provided them with the information to become a member.

THE FALCON GROUP

DIAMOND SPONSOR SHOWCASE 2021

The Falcon Group was founded in 1997 by Andrew Amorosi and William Pyznar with a vision of creating a full-service, client-centric engineering and architecture firm. “We wanted to create a ‘one-stop-shop’ with a strong focus on customer service to bring a higher standard to the industry.”

Community Construction Project Services We pride ourselves on being able to assist with virtually every aspect of the construction process. From planning and design, to bidding assistance, to construction administration and project management / owner representation. The need for proper planning, design, and representation through permitting, bidding and construction is paramount.

When communities embark on major capital construction projects, the services of a ‘registered design professional’ (RDP) firm are often required, and certainly well-advised. The RDP is a registered architect or a licensed professional engineer, qualified to practice either nationally or in the applicable project state, and both are well-represented across our Falcon staff of 90+ professionals. The design professional is responsible for understanding the needs of the owner / community, assessing the existing conditions, and preparing code-compliant, safe, cost effective design plans and specifications for the needed construction. An RDP’s signature and seal will be required by the local authorities having jurisdiction (County/City Building Department) to

obtain construction permits for all major projects. The RDP is legally obligated to meet an established standard of care and a professional code of ethics or risk loss of credentials, much like a medical doctor.

Our community clients retain The Falcon Group to develop professional project planning and design, demonstrate efficient use of funds, represent community interests during the bidding and construction process, and to help deliver the high-quality results everyone wants to have. This is where Falcon’s “one-stop-shop” comes into play!

Design Group Areas of Expertise The Falcon Group’s Civil Engineering Division has extensive design experience in land development, roadway / concrete reconstruction, retaining wall replacement, soil erosion repairs, storm water drainage improvements, sewer systems, foundations, and basement water corrections. Falcon’s Architectural and Structural Divisions include building envelope leak detection and waterproofing designs, parking garage renovations, building ventilation issues, low and steep slope roofing designs, facade repairs and replacements, deck and balcony inspection and repairs / replacements. Our Mechanical / Electrical / Plumbing & Energy Division’s projects are executed using Certified Energy Managers, Professional Engineers, Certified Building Commissioning Professionals, and LEED Accredited Professionals.

Transition / Warranty Evaluations & Capital Reserve Studies for Community Associations The Falcon Group has extensive experience in the preparation of Capital Reserve Studies and Transition Engineering Reports for community associations. We have prepared over 3,000 Capital Reserve Fund Analyses since 1997 and have accumulated more than 100 years of collective experience among our staff which includes both CAI designated Reserve Specialists (RS) and APRA certified Professional Reserve Analysts (PRA). The Falcon Group provides all three (3) levels of reserve analysis in accordance with CAI National Standards, including Level I/Full Study, Level II Update/with Visit, and Level III Update/no visit.

Written by: J. Stewart Willis, RS Executive Vice President—DC/MD/VA Region

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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 ■

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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

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Simplified valuations for streamlined servicing

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Additional computer virus coverage

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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 ■

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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

CA License No. 0558510 © 2017 Alliant Specialty Insurance Services, Inc. All rights reserved. [2017-3804]

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

INSURANCE CASE STUDY

You have a water loss to multiple units...

Y

Now What?

ou are in your PJ’s, all settled in with a glass of wine to watch Hugh Grant in yet another romantic comedy on Netflix when your phone rings.The unit owner in 301 has called the emergency hotline to say that water is gushing into their unit and into unit 302 from the unit above. No one is answering the door from the offending or source unit. As a Property Manager, a water claim is likely the last situation you want to deal with at 9 p.m. on a Friday night! What do you do?

Your mind is racing. You’re worried about the safety and happiness of the unit owners above all else. You’re worried about the impact this claim will have on the insurability of the Association. And the big one, how is this going to impact the premium for the insurance policies for the Association?This, of course,willdeterminehowhappyorunhappytheAssociation’s Board of Directors is with you.

Take a deep breath, you can handle this…

FIRST and foremost, mitigate the damage. Did you know that 210

gallons of water can pass through a 1-inch pipe per minute? You should know where the shut-off valve is and who is available to take care of this immediately. There shouldn’t be just one person with this knowledge and responsibility. If you need to get into the unit immediately and the unit owner is not answering the door, there should be someone available immediately with access to the unit who can take care of this. Oftentimes, a Board member or volunteer serves as an onsite point of contact to assist with emergency situations. Managers and Board members should discuss emergency protocols to prepare for situations like this.

SECOND, you should have a list of vetted restoration contractors.

Call one of these companies to come out and immediately start the clean-up process. They shouldn’t be repairing it yet because in the event of a severe loss, it may need to be reviewed by adjustors before repairs are initiated. Some residents may have a difficult time understanding the process, so it’s good to review these protocols on an annual basis at an open meeting.

THIRD, have a plan in place to make sure any displaced unit owners

have a place to go. Rarely will an association’s policy cover temporary housing for displaced residents so be prepared with information that may help residents. Suggest contacting their insurance carriers for temporary housing or have a list of nearby hotels displaced residents have used in the past.

NEXT, complete an incident report. Take pictures and take reports

from all unit owners involved.

That will get you through Friday night and you can go back to spending time with Hugh Grant and that glass of wine.

Monday morning, contact your insurance agent.

Contacting your agent doesn’t necessarily mean that you must file a claim. Your agent is there to help you. Talk with them about how much damage there is and what your deductible is. Forward the pictures, incident reports and copies of the insurance policies/certificate of coverage for each of the involved unit owners to your agent. If you do not have an incident report, your agent can get you a template that you can adapt to the particular needs of your Association.

If this is a large claim and you do decide to file the claim, the adjuster will contact you to make an appointment to survey the damage. The adjuster isn’t in the business of denying the claim. They just need to evaluate what happened, the extent of the damage, and study the policy to determine the next steps. Establish good communication with the adjuster.

Now it is time to repair the damage. Go through your list of vetted contractors. In addition to the quote, ask the contractor to add the Association as an Additional Insured on their certificate of insurance.

If they only list you as an Additional Insured for their ongoing operations, your interest in their policy ends when the work is complete.

What happens if the work is complete and there are complications as a result of their work? The certificate should also indicate that a waiver of subrogation is included in favor of the Association. What does that mean? The Association does not want to be held liable for the damages that the contractor has caused. When the contractor waives their right of subrogation, the contractor is prevented from seeking a share of any damages paid. This waiver of subrogation eliminates potential conflicts between you and the contractor.

Make sure that the contractor has forwarded their estimate to the adjuster and that the contract includes a warranty for their work.

The repairs are complete, and all unit owners are safe and happy back in their homes. Now what?

Now, let’s be honest, there will likely be more claims like this. How can we stack the odds in your favor? Take a hard look at the building.

Does the building include outdated polybutylene, metal, or galvanized iron piping? If it does, do you have a reserve study in place that addresses the need to remediate this situation?

Are the water supply hoses to the washing machine inspected regularly and replaced as needed? Are the water heaters regularly maintained and inspected or replaced when the water heater reaches 10 years of age?

Are sprinkler systems in place and regularly serviced?

Revisit your bylaws. Do they include the requirement for all unit owners to carry insurance on their units? Do the bylaws include a requirement for a reserve study? Is there consensus with the Board of Directors as to when to file a claim or self-insure the loss?

15

Should you increase your deductible on your insurance policy to mitigate future premium increases?

Just like that Hugh Grant romantic comedy you were watching, everyone wants a happy ending to their story! Through the establishment of proper procedures, ongoing preventive maintenance and taking appropriate mitigation measures when needed, you too can have a story with a happy ending!

This is a lot to think about and is by no means a complete answer to the question as to what you should do when you have that unavoidable water claim. Additional information, claim examples and how they impact associations was the topic of discussion at CAI’s Breakfast webinar on May 19th. This article serves as a recap and offers the key takeaways from that webinar.

Co-authors: Mary Alemán, CIC®, ACSR® Senior Account Executive—Property & Casualty Division Quest Insurance mary@questinsurance.us 571-367-7972 Sami Satouri, RHU®, ChHC® President, Quest Insurance ssatouri@questinsurance.us 703-961-8886

Listen Up! Have you heard our new Diamond Sponsor Spotlight Podcast?

Join us every other Monday to meet our Diamond Sponsors. These conversations will not only introduce our Diamond Sponsors but will also review current information that impacts Associations.

For a full schedule visit and to listen to all episodes visit: https://www.caimdches.org/podcast

At NCB, we help building managers conquer the impossible.

With underlying mortgages, capital improvement loans, reserve accounts, lockbox & payment processing, and unit loans, we’re the real estate bank with unreal services.

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Don Plank

Vice President (703) 302-1928 dplank@ncb.coop

E&F CONTRACTING

DIAMOND SPONSOR SHOWCASE 2021

Concrete Raising – Don’t Replace It, RAISE IT! E&F creates a safer & more attractive passage for communities and its citizens BEFORE

ABOUT US: E&F Contracting, Inc. specializes in Polyurethane Foam Injection to raise, level, & stabilize concrete slabs for Community Associations, Businesses, & Property Managers along the East Coast.

E&F focuses on maximizing the safety and appearance of our clients properties by eliminating tripping hazards and associated liabilities of unlevel or sunken concrete. Headquartered in Baltimore, MD, E&F takes great pride in transforming concrete slabs back to their original state.

IT’S AS SIMPLE AS DRILL, PUMP, PATCH!

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DEEP FOAMJECTION More advanced than our Standard Concrete Raising, Deep Foamjection injects foam deeper into the earth’s surface to increase the load bearing capacity of the soil. E&F utilizes Deep Foamjection for: • • • • •

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Residential and Commercial Painting Specializing in Property Management Interior & Exterior Painting Curb-Line Striping Powerwashing Renovations Siding Restorations Drywall Carpentry Flooring

Jeff Corelitz Cell 410.440.1440 jcorelitz@gopropainting.com

Fax 866.593.9889 MHIC #127946

Annapolis, Baltimore, Washington, D.C. Call for estimates on your community projects.

We'll take care of your property.

18

EDGING AND MULCHING One of the more labor-intensive services your landscape provider performs is the edging and mulching process that occurs each spring. After the site clean-up, new edges to many of the beds and tree rings are made to help define these areas and then a layer of quality, partially decomposed hardwood mulch is applied to the beds. Mulch is one of your best landscape materials to help reduce soil erosion, prevent weeds, reduce soil moisture loss along with providing the site with a clean, professional appearance. Mulch depth should be between 1–2 inches in depth in most areas; on the higher end for around trees and shrubs and less when put on groundcover and perennials. Mulch is usually a hardwood product that has been shredded a number of times and then aged for a few months to produce the end product found on most sites. Mulch can be the natural wood product, or a dyed material can be used to provide different visual effects. Brown and black dyed mulch is popular in many landscapes while red dyed mulch can also be found in certain areas but is more popular in the South. These dyes are harmless to plants and are only used for aesthetic purposes. If you see mulch layers exceeding this amount, then a mulch reduction may be in order for next season to reduce the buildup. It is not advisable to disturb the soil/mulch layer when the plants are actively growing.

Spring Operations ON YOUR SITES It is a busy time of the year for landscape companies as they scramble to get sites ready for the upcoming growing season. As we are now into the late spring, early summer period for landscape maintenance, most of the spring activities have been completed on your sites in preparation for the growing season. While landscapes may vary, from HOAs, Condominiums, Commercial, Residential and Business Parks, these landscape practices will be very similar for these different sites. While contracts will have variations as to how some of the landscape practices are performed, generally they all should lay out how and when they will be performed. Sitting down with your landscape provider and going over these details as to expectations can increase clarity and a clear understanding of what is expected from this partnership.

Let’s take a look at some of these practices and what you should expect from your landscape provider.

PRUNING AND SITE CLEAN-UP Over the winter, leaves that have blown into the landscape and branches that dropped during winter storms littering your sites, should be cleaned up and blown out of beds. Liriope ground cover, perennials and ornamental grasses should have been cut back to make way for new growth later that is now occurring. Normally plants that need to be pruned before new growth starts should have been pruned earlier in the season, usually in the February to March time period. Plants that required some pruning include Roses, summer-flowering Spirea, Panicle Hydrangea, Butterfly Bush, St John’s Wort and Clematis so they can maximize flowering this summer. It is also a great time to prune other shrubs if needed to reduce their height or rejuvenate them as a remedy from being excessively sheared over the years. Dormant pruning of shrubs, such as Burning Bush Euonymus, Privet, Holly, Viburnum, Forsythia, Boxwood, Cherry Laurel and Weigela can all be cut back now to help reduce their height if they are obstructing window views or blocking walking paths or are just becoming over-sized. Even now in late spring, many of these shrubs can still be pruned as long as new growth has not occurred or is minimal. Dormant pruning of these plants will allow the shrubs to produce new, healthy growth that increases flowering and reduces pest and disease issues. Some of this type of pruning may be in the contract, but often large shrub reduction will be an additional add-on to a contract.

LAWN APPLICATIONS Turfgrass is often the most visible part of many landscapes and the importance of a green, healthy turf cannot be overestimated in the overall look of the site. The success of your lawn starts in the early spring with the application of fertilizer and weed management applications. Nitrogen is the most important nutrient for turfgrass success since it is critical for chlorophyll production and needs to be applied on a regular basis during the growing season on most lawns. Your contract from your landscape provider will usually have anywhere from 3–5 seasonal applications and is dependent upon the overall desired appearance of the lawn. Since most of our lawns are of the cool-season varieties (fescue and bluegrass) that prefer the cooler months of March– May and then again from September–November, this is the most important time of the year to treat them. Weed management will be of two types; annual weeds that germinate each summer, such as crabgrass, purslane, spurge to perennial weeds that are winter hardy, such as dandelions, clover and black medic. Crabgrass will be one of your biggest challenges in lawn weeds since they will germinate anytime from May into late mid-July as the soil warms up. Treating them after they germinate can be difficult, so a weed prevention application is necessary for most landscapes. At this time of the year, a post-emergent herbicide to treat the existing weeds should have been applied last month if your goal is a lawn with minimal weeds. A successful lawn will be dependent upon your weed and fertilization practices along with your growing season cultural practices. Most cool-season lawns prefer a mowing height between 3 ½–4 inches and watered during periods of drought. Mowing lower can not only stress the grass but can allow for weeds to germinate and increase soil water loss. A higher turfgrass length will be your best defense in combating weeds and increasing the vigor of the lawn. continued on page 21

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DAVIS, AGNOR, RAPAPORT, & SKALNY PLATINUM SPONSOR SHOWCASE 2021

Davis, Agnor, Rapaport & Skalny, LLC, provides its clients with strong representation, expert guidance and responsive personal service.

In addition to the decades of experience our attorneys have helping businesses, including community associations, and individuals plan and achieve their goals, we make our services personal. It is the best of both worlds. Big law firm expertise with smaller law firm attention and care. We always put our clients first and make sure we are available when you need us.

Davis, Agnor, Rapaport & Skalny, LLC has a dedicated community association practice. Susan R. Rapaport heads the firm’s community association practice and over the years has represented condominiums, homeowner associations and housing cooperatives throughout the region. Ellen W. Throop has joined the firm and works along with Susan in representing the firm’s community association clients. We have a combined 60 years of experience and understand the issues facing community associations. With a thoughtful and pragmatic approach towards problem solving, we ensure that associations run smoothly and in compliance with federal, state and local laws. Our areas of focus include: community association formation, community association governance, governing document interpretation and amendment, rules and covenant enforcement, assessment collections, litigation and developer, transition and warrant claims. We continually strive to keep our clients apprised of changes in federal, state and local laws as well as current trends in the industry.

20

At Davis, Agnor, Rapaport & Skalny, LLC, we believe that it is important to be an active member of the communities where we work and live. Since its inception, Davis, Agnor, Rapaport & Skalny, LLC has been a member of the Chesapeake Chapter. Susan is currently President Elect of the Chapter Board, serves on various Chapter committees and is a member of the Maryland Legislative Action Committee. Ellen is a former President of the Chapter Board, currently co-chairs the Chapter’s Expo Committee and serves on various other Chapter committees.

We value all of the relationships we have formed within the Chapter and look forward to continuing to work as a team with the Chapter’s members.

Here’s to a fabulous and healthy summer season!

Susan R. Rapaport and Ellen W. Throop

continued from page 19

A NOTE ON WATERING Watering plants, such as trees, shrubs, perennials and lawns, can be a tricky practice during the summer months. So many variables are in play when it comes to watering plants, such as the age of the plant, location (sun vs shade), soil type (clay vs sandy), type of plants, existing weather conditions (rain, drought, sun, clouds, wind, temperature) along with many other factors. Often more plants suffer from stress and dieback from too much water than not enough in many landscapes. Those who may have an irrigation system and want a vibrant, green lawn all summer may provide enough water for the turfgrass but at the same time overwater many of the other plants in the landscape. The image shows an irrigation system that keeps the turf green but at the same time has caused many of the shrubs to drown with the same amount. If you have a new landscape, then most of these plants will need to be watered more frequently but with less volume. Once the plants are established, it is healthier to water less frequently but with more volume, mimicking rainfall. Often it is better to water twice a week for an extended period of time than 5–6 times a week for less time. Plants are more prone to disease when leaves are constantly kept wet, plus, overwatering will result in soils with less oxygen and increased root diseases. While it is difficult to say exactly how much water each landscape should receive,

my recommendation is to determine the amount you water on the soil moisture level and plant species.

Whether you are using an automatic watering system or manual, get out and pull the mulch back and take a look at the soil and judge the moisture level by digging down an inch or two. Plants that are established are usually adapted to withstand periods of low soil moisture for a few weeks and overwatering can be as harmful as not receiving enough moisture.

Hopefully, at this time of the year your sites are receiving their first cuts and all the spring activities have been completed in preparation for a successful summer in the landscape. Having a good relationship with your landscape provider so that everyone has clear expectations of how and when these practices are performed will be critical in the success of your site.

Written by: Steve Sullivan Regional Horticulturalist, LandCare & Joe Bacon Regional Account Manager, LandCare joseph.bacon@landcare.com 267-432-7589

ATTENTION HOMEOWNERS! Virtual Board Leadership Development Workshop Friday, June 18th and Saturday, June 19th - Register Here Friday, November 11th and Saturday, November 12th - Register Here This workshop will teach you how to become a more successful board member and how you can recruit and support new volunteers. You'll learn the role of the board, the president and other leadership positions, and you'll identify effective ways to work with professional managers and service providers.

All attendees will be receiving the Board Member Toolkit, a best-selling book from CAI Press and the The Board Member Toolkit Workbook.

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Welcome New Members!

New Chapter Members: January–March, 2021

Mr. Amakoe Ajavon Yorkshire Estates Maintenance Corporation Ms. Pilar Alvarez Sand Dollar Village Homeowners Association Mr. David Ani Chester River Landing Council of Unit Owners Ms. Sharifa Anthony Townhomes At The Pointe Community Association, Inc. Mr. Christopher Augustine Tanyard Springs Homeowners Association

Ms. Carol Butler Waverly Woods West HOA Ms. Deborah Carrasquillo Mills Farm Homeowners Association, Inc. Ms. Margaret Carroll Waverly Woods West HOA Ms. Claudia Cianci Mr. Bill Cochran Waverly Woods West HOA Ms. Christy Coffin Yorkshire Estates Maintenance Corporation

Mr. Jaden Grimes Mr. Ian Guertin 414 Water Street Residential Condominium Mr. Dwight Hall Mills Farm Homeowners Association, Inc. Mr. Matt Hancock Regent Property Services, LLC

Ms. Esther Lindquist The Council of Unit Owners of Ellicott Hills Condominium I, Inc

Mr. Austin Haspert E&F Contracting, Inc.

Ms. Jamie Linebaugh 9400 Ocean Highway Condominium, Inc.

Mr. Zachary Cuozzo South River Colony Conservancy

Mr. Kyle Hayman ALL OUT Parking Lots

Mr. Craig Bagwandeen Townhomes At The Pointe Community Association, Inc.

Mr. Jonathan Curtis Tanyard Springs Homeowners Association

Ms. Crystal Hill FirstService Residential

Ms. Anne Barber Waverly Woods West HOA

Ms. Margie Cyr Middlesex Beach Association

Miss Rae-Chelle Baskerville

Mr. Bob Danzig Bay Forest Community Association

Ms. Dawn Beeker Ms. Jacqueline Billings The Council of Unit Owners of Ellicott Hills Condominium I, Inc Ms. Mary Birmingham Solitude on White Creek Homeowners Association Ms. Dawn Blades Legum & Norman-Ocean City Ms. Patricia Bounds Mallard Landing Council of Unit Owners Ms. Michele Brown Carroll Vista Community Association Mr. Richard Brucki Mann Properties, Inc.

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Mr. John Downes Waverly Woods West HOA Mr. Jim Feldman Edgewater House Mr. Pat Fox Symphony Village Homeowners Association James Gargas Mr. Anthony Garner The Council of Unit Owners of Ellicott Hills Condominium I, Inc Ms. Kate Gibson Finley Asphalt and Concrete Ms. Nancy Glasgow Middlesex Beach Association Mr. Paul Griffin Sarah Grillo Property Management People, Inc.

Mr. Mike Lesko Aqualis Stormwater Management

Mr. Michael Harlan Carroll Vista Community Association

Mr. Joe Bacon LandCare

Ms. Dorothy Beard The Gatherings at Jefferson Place Condominium Association

Ms. Theresa Leatherbury Rachuba Management, Inc.

Mr. Joel Lichtenberg Yorkshire Estates Maintenance Corporation

Mr. Justin Craige Professional Community Management

Ms. Laura Douglas Community Management Corporation

Mr. Steve Larsen Middlesex Beach Association

Ms. Ali Harapko South River Colony Conservancy

Kayla Austera Tidewater Property Management

Mr. Tom Bason Forest Landing Community Association, Inc.

Ms. Trish Kruger Middlesex Beach Association

Mr. Mark Hoage Ms. Brandy Hogan Mills Farm Homeowners Association, Inc.

Ms. Mary Llewellyn Waverly Woods West HOA Mr. Martin Loftus South River Colony Conservancy Mr. Richard Loomis Sewells Orchard Community Association

Ms. Lauron Huntley

Ms. Jennifer Melson Premier Property Management

Loudell Insley Mallard Landing Council of Unit Owners

Mr. Scott Moran Sewells Orchard Community Association

Mrs. Virginia Jackson Albert J. Jackson Inc Roofing and Home Improvements

Ms. Patricia Moriarty South River Colony Conservancy

Ms. Tiffany Jordon Tidewater Property Management Sunir Jossan Solitude on White Creek Homeowners Association

Ms. Janet Munro Mr. Adam Nagy Swimming Pool Passes, LLC Ms. Anne Neal Watermark Place Condominium

Mr. Christopher Kephart Morton, Valihura & Zerbato, LLC

Mr. Jim O’Connell Waverly Woods West HOA

Ms. Ji Kim A3 Mechanical, Inc.

Ms. Carol Paul Middlesex Beach Association

Mr. Donald Kinney Chapel Green Home Owners Association

Ms. Silke Pope Charlestowne Village Condominium

Ms. Karen Kram Symphony Village Homeowners Association

Ms. Jessica Quiros Community Association Services, Inc.

Ms. Veronica Radalin Tidewater Property Management

Mr. Onaje Salim White Flint Station Condominium

Ashok Raina Waverly Woods West HOA

Ms. Jane Schubert Edgewater House

Mr. William Ridgway Symphony Village Homeowners Association

Mr. Kevin Schulman Edgewater House

Mr. Jordan Ritter Property Management People, Inc. Mrs. Rosie Rivera Tanyard Springs Homeowners Association Darian Robinson Tidewater Property Management Mr. Kevin Robinson Yorkshire Estates Maintenance Corporation Ms. Joan Ruhl The Residence Park Place Condominium Ms. Maura Ryan Chester River Landing Council of Unit Owners

Alex Sella Middlesex Beach Association Mr. Jeff Sella Middlesex Beach Association Ms. Dianne Shaw Mallard Landing Council of Unit Owners Ms. Marty Shecter Middlesex Beach Association Austin Socks Property Management People, Inc. Ms. Jennifer Stewart Mills Farm Homeowners Association, Inc. Mr. Matt Stewart Mills Farm Homeowners Association, Inc.

Ms. Mary Stouten Broad Creek Condominium Association

Mrs. Patricia Warner Tanyard Springs Homeowners Association

Ms. Terri Stuck Yorkshire Estates Maintenance Corporation

Mr. Rick Watson Waverly Woods West HOA

Ms. Wendy Symonds Ms. Irene Tercy The Council of Unit Owners of Ellicott Hills Condominium I, Inc Ms. Ellen Throop Middlesex Beach Association Mrs. LaShauna Tillmon Sentry Management, Inc. Mrs. Judy Truitt Legum & Norman Mr. Frank Tufariello The Council of Unit Owners of Ellicott Hills Condominium I, Inc Mr. Randy Vaeth Solitude on White Creek Homeowners Association

Mr. Pat Ways Symphony Village Homeowners Association Ms. Debi Wells Symphony Village Homeowners Association Mr. Heath Wilkinson Cleat Design + Build Ms. Gayle Young Watermark Place Condominium Mr. Daniel Zadra Tanyard Springs Homeowners Association Mrs. Ashley Zayas Tidewater Property Management Ms. Christine Zichello Waverly Woods West HOA

2021 Educational breakfast webinars/seminars

Our Remaining 2021 Educational Breakfast Seminars will be in-person!

Homeowners, Board Members, Managers, Management Companies and Service Providers are invited to attend these seminars, which are

designed to help you effectively manage and work with a community association and its service providers.

Mark your calendar now!

Time: 9:30–11:30am WE CAN’T WAIT TO SEE YOU AGAIN!

Friday, September 17, 2021

Wednesday, November 3, 2021

DELMARVA SEMINAR Clarion Resort Fountainebleu, Ocean City, MD

"HANDLING DIFFICULT PEOPLE & SITUATIONS" Merriweather Lakehouse, Columbia, MD

Wednesday, September 22, 2021 "EMERGENCY PLANNING/PREPAREDNESS" Merriweather Lakehouse, Columbia, MD 23

ROBOTICS IN LANDSCAPING INDUSTRY DISRUPTORS

IT IS PROBABLY NO SECRET that the landscaping industry has been slow to adapt technology. The saying, “If it isn’t broken, don’t fix it,” has perpetuated the industry for years, which has left landscaping far behind other sectors that have proactively incorporated emerging technologies into their businesses. As younger generations enter the industry, more and more companies are using and creating technologies to gain a competitive edge. For these organizations, technology is facilitating better customer experiences.

One of the most challenging aspects of landscaping is finding and retaining labor. Working long hours in all types of weather does not appeal to a lot of people. On top of that, the work is strenuous and at times dangerous. Recruiting people willing to subject themselves to this line of work is time-consuming and costly. Once hired, there is an immense amount of training required to teach employees how to properly and safely operate the equipment needed to maintain manicured landscapes. Too often, managers spend many hours with new hires during their first week only to find that the employee does not show up the following Monday. This cycle of turnover makes it hard to keep crews fully staffed with experienced employees. In turn, this makes it more difficult to consistently perform at the highest levels of excellence.

A rapidly evolving solution to the labor challenge is the use of robotic mowers. At this point, there are three main categories of robotic mowers:

1. Smaller, Roomba-like mowers capable of mowing up to 2 acres of turf 2. “Top-hats,” or add-on autonomy, retrofitted onto existing mowers 3. Built from the frame up, fully autonomous mowers Each one of these types of mowers has pros and cons, but at this point none of them is a perfect solution for every situation. However, all of them offer the ability to lower dependency on human labor.

1

SMALL MOWERS

“Roomba” mowers are great for properties up to two acres in size.

These mowers require electrical guidelines that need to be buried on the perimeter of the property. They also require an on-site power supply and discreet location where its charging station can be stored. These mowers stay on the property and operate by mowing in random patterns. Since they mow the turf every day, you always have a clean, consistent look. The random mowing patterns and very light weight of the mower will mean that the property will not have mowing stripes, but the trade-off is that the turf will always be the same height, no matter the day of the week. However, you are 24

limited in how far the guidelines can be run, which may lead to needing multiple charging stations to cover a large area. Roomba type mowers can easily be picked up by a passerby, but there are all types of safety and security features built into the machines to prevent damage, injury, or theft. These mowers are perfect for rooftop turf or high traffic areas that would benefit from night mowing when people are not around. They are also a great choice for the entrance of clubhouses or main offices where a consistent look is desired.

2

RETROFITTED MOWERS

3

FULLY AUTONOMOUS MOWERS

“Top-hat” mowers allow landscapers to use their existing equipment to start experimenting with robotic mowers. These add-on systems make the entry point lower since all new equipment does not need to be purchased. While the bolt-on approach is fast and easy, there are also some drawbacks. Some of these additions will only fit specific mowers, making it harder to use if you are not using the most common brand of mower. There are also safety concerns with adding something to a mower that was not designed or balanced to operate with additional components.

Fully autonomous mowers built from the ground up are the most disruptive force in the landscaping industry right now. These mowers are designed from scratch and everything from frame weight and blade size to ground speed is designed with efficiency and quality in mind. These machines build impressive Artificial Intelligence (A.I.) right into the machine. The onboard A.I. is connected to everything on the machine, reading sensor data and adjusting in milliseconds to ensure the safest, cleanest cut possible while traversing over any type of turf. These sensors can determine if an area is too wet to mow or report back that turf is growing rapidly by measuring blade resistance as it traverses the property.

Most of these powerful machines are driven completely by electric energy, leaving behind old, loud, polluting gas engines. Electric motors for cutting allow the blades to be stopped instantaneously versus the hydraulic motors of today that will continue to spin even after being shut off. Onboard, you will find cameras that give the mower a 360-degree view of what is going on around the machine. Video recognition software allows the mower to determine the difference between a tree and a child and adjust accordingly.

The combination of video and GPS data means these machines can mow stripe patterns to keep that iconic look to your property.

Robotic mowers do not only benefit landscapers, but more importantly they offer tremendous value to clients. These mowers are designed to

be as light as possible, which will reduce compaction of the soil. Soil compaction is a primary catalyst for weed growth. Weed roots do not penetrate as deeply into the soil as turf grass roots. Thus, weeds make use of surface water and nutrients and in turn, starve or shade out desirable grass. Robotic mowers contain onboard sensors that can identify areas of the property where extra spraying or fertilizing is necessary.

By targeting these areas instead of blanketing the entire property with chemicals and fertilizers, clients will spend less, and at the same time, reduce their carbon footprint by minimizing the use of material to achieve the desired result.

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 Columbia, MD: 410.884.0700 Ocean City, MD: 443.856.6410 Rockville, MD: 301.804.3610 Bethany Beach, DE: 302.829.3043 Rehoboth Beach, DE: 302.829.3043 Wilmington, DE: 302.353.4144

Robotics are not replacements for humans; rather, they will allow landscapers to shift their human labor away from mindless mowing operations to work that requires attention to detail and decision-making not currently possible by robotics.

www.wtplaw.com

Written By: Michael Mayberry C.T.O, Level Green Landscaping Michael.mayberry@levelgreenlandscaping.com

Attention Managers!

2021 PMDP COURSE SCHEDULE Chesapeake Region Chapter

Virtual Programs

Sept. 9–11

M–100

The Essentials of Community Association Management, Pikesville, MD

Oct. 21–22

M–310

Management Company Administration, Pikesville, MD

Dec. 2–3

M–204

Community Governance, Pikesville, MD

Washington Metro Chapter Sept. 8–10

M–100

The Essentials of Community Association Management, Falls Church, VA

Oct. 28–29

M–205

Risk Management, Falls Church, VA

Nov. 4–5

M–320

High-Rise Maintenance and Management, Falls Church, VA

Virtual Programs Jun. 3–4

M370

Managing Developing Communities

Jun. 24–25

M100

The Essentials of Community Association Management

Jul. 8–9

M202

Associations Communications

July 22–23

M320

High-Rise Maintenance and Management

Aug. 5–6

M206

Financial Management

Aug. 19–20

M310

Management Company Administration

Aug. 26–27

M330

Advanced Insurance and Risk Management

Sept. 30–Oct. 1

CASE

CASE

Oct. 14–15

M100

The Essentials of Community Association Management

Oct. 28–29

M204

Community Governance

Nov. 4–5

M205

Risk Management

Nov. 18–19

M202

Associations Communications

Dec. 2–3

M206

Financial Management

Dec. 9–10

M203

Community Leadership

Questions?

Call CAI Direct at (888) 224-4231 (M–F, 9:00 am–6:30 pm EST) www.caionline.org/LearningCenter/Pages/default.aspx 25

S&K ROOFING

PLATINUM SPONSOR SHOWCASE 2021

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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.

S&K is highly skilled in replacing shingle roofing, flat 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 2008–2020) and hold an A+ rating with the Better Business Bureau.

When you hire us for your project, you can rest assured that your job is being handled by the best sales, service, and installation teams in the industry. From the time you meet with our estimator, to the time your job is complete, we strive for 100% customer satisfaction. That’s why over 80% of our business comes from repeat customers and referrals.

You can be certain that the S&K Roofing, Siding and Windows team will not only meet, but exceed your expectations. Let us help make your next home improvement project Worry Free. Guaranteed.

26

THE

BEACON SIMPLY SMARTER PIPE REPLACEMENT.

BEACON ADVERTISING RATES FOR 2021 Ad reservations are taken on a first-come, first-served basis

Ad Size

Member Price (per issue)

Full Page: 8" x 10"

$575

Half Page: Horizontal 8" x 5"

$425

Half Page: Vertical 4" x 10"

$425

Quarter Page: 3.5" x 4.5"

$350

Business Card: 3.5" x 2"

$275

Advertising Deadline Summer/Fall issue: July 9, 2021.

The size and rate information applies to camera-ready ads. These charges do not include artwork preparation that may be necessary to place ads.

Signed contracts must accompany payment. The application form is located on the Chapter website: www.caimdches.org.

LEF T-BR AIN EFFICIENCY AND RIGHT-BR AIN EMPATHY. We’re the nation’s leading pipe replacement specialists who put your owners and residents first. Our streamlined process, detailed coordination, and flawless workmanship make for a thoroughly satisfying experience, from start to finish. Once our work begins, you won’t need to give it a second thought.

888-584-9990

sagewater.com

Serving the Baltimore Washington area with superior service, excellence in planning, and performing customized electrical solutions for your property and budget.

Free Estimates for your New Installations

Residential • Commercial • Property Management Tenant Fit-Outs Preventive Maintenance Dedicated Circuits Circuit Breaker & Panel Replacement Design Service Calls Routine Unit Inspections Pole & Outdoor Lights Code Correction Meter Stack Replacement

Fair, Honest Pricing and Work for any Electrical Service

410-590-5959 walterelectric.com 24 Hour Emergency Service

27

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

As North America's leading residential community management company, we have local experts in your area to help your community thrive. Our dedication, responsiveness and integrity are why 8,500 communities across the U.S. and Canada choose FirstService Residential to manage their associations and deliver solutions that enhance the value of every property and lifestyle of every resident.

www.fsresidential.com | 410.493.4611

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

28

The Chesapeake Region Chapter Community Associations Institute PO Box 6838 Columbia, MD 21045 410-540-9831

PRSRT STD U.S. POSTAGE PAID HARRISBURG, PA PERMIT NO. 533

2021 Calendar of Events as of May 4, 2021 *PLEASE NOTE: Schedule is subject to change.* JUNE

16 w

Board of Directors Meeting (9:30 am)

26 sat

Homeowner Webinar—“Managing your Community’s Reputation” (9:30 am)

JULY

22 TH

Crab Feast - Centennial Park, Ellicott City, MD

AUGUST

TBD

Board of Directors Meeting (9:30 am)

30 m

Golf Outing—Norbeck Country Club—Olney, MD

SEPTEMBER 9–11

M-100—The Essentials of Community Association Management—Pikesville, MD

17 f

Delmarva Seminar—Clarion Resort, Ocean City, MD

21 tues

GBBR Seminar

22 w

Breakfast Seminar—“Emergency Planning/Preparedness”—Merriweather Lakehouse, Columbia, MD

TBD

Board of Directors Meeting (9:30 am)

30 th

Homeowner Webinar—“Board Member Best Practices” (7–9:00 pm)

OCTOBER

13 w

Board of Directors Meeting (9:30 am)

21–22

M-310—Management Company Administration—Pikesville, MD

3w

Breakfast Seminar—“Handling Difficult People & Situations”— Merriweather Lakehouse, Columbia, MD

5–6

Board Leadership Development Workshop Webinar

9 tues

GBBR Seminar

17 w

Board of Directors Meeting (9:30 am)

DECEMBER 2–3

M-204—Community Governance— Pikesville, MD

3f

Annual Social—Historic Savage Mill—Savage, MD

10 w

Board of Directors Meeting (9:30 am)

VISIT OUR WEBSITE WWW.CAIMDCHES.ORG *Please note: Schedule is subject to change*