Issuu

W I N T E R / S P R I N G 2022 I S S U E

THE

BEACON

A CHAPTER OF THE COMMUNITY ASSOCIATIONS INSTITUTE (CAI)

Understanding How Deferred Maintenance Impacts Condominium Financing Eligibility Fannie Mae’s New Lender Guidelines In the wake of the June of 2021 Champlain Towers South Condominium collapse in Surfside, Florida, Fannie Mae issued new temporary project requirements effective January 1, 2022 that apply to loans for units in co-ops and condos with 5 or more units. Mortgages on units in these buildings are not eligible for purchase by Fannie Mae if there is significant deferred maintenance or where the condominium or co-op has received a directive from a regulatory authority or inspection agency to make repairs due to unsafe conditions. The projects remain ineligible until the required repairs have been made and documented. The requirements specifically state that

they do not apply to routine maintenance or repairs that a homeowners’ association undertakes to maintain or preserve the integrity and condition of its property. Also, if damage or deferred maintenance is isolated to one or a few units and does not affect the overall safety, soundness, structural integrity, or habitability of the improvements, then the project eligibility requirements do not apply. Examples of this scenario include water damage to a unit due to a leaky pipe that is isolated or damage from a small fire impacting the interior of a specific unit. Freddie Mac has followed suit with similar temporary project requirements effective February 22, 2022.

co-ops is that it will be more difficult for homeowners to obtain lending for units in buildings where there are significant critical repair needs. continued on page 4

LOOK INSIDE

for our 2022 events, informative articles, committee listings and more!

What this means for condominiums and

2022 DIAMOND SPONSORS

Sahouri Insurance

2022 GOLD SPONSORS

Atlantic Maintenance Group, LLC

SI Restoration

Becht Engineering BT

Simmerer Insurance

Building Envelope Consultants and Scientists—BECS

E&F Contracting, Inc.

The Falcon Group

Hann & Hann Construction Services

Tidewater Property Management, AAMC

Condominium Venture, Inc., AAMC Connie Phillips Insurance FirstService Residential, AAMC

Kris Konstruction Roofing Professionals

TRC Engineering

Mid-Atlantic Asphalt

Unlimited Restoration

North Arundel Contracting

Pacific Premier Bank

2022 PLATINUM SPONSORS

Truist Association Services

Palmer Brothers Painting & General Contracting

CIT, a division of First Citizens Bank

USI Insurance Services

Davis, Agnor, Rapaport & Skalny, LLC

Whiteford, Taylor & Preston LLC

Quest Insurance

Nagle & Zaller, P.C.

Minkoff Company, Inc.

Risk Strategies Company

Quiza Management, LLC

RoofPro, LLC

S&K Roofing, Siding & Windows, Inc.

Pro Painting & Contracting

SageWater

In This Issue Understanding and Complying with New Secondary Mortgage Market Project Eligibility Requirements . . . . . . . . . . . . . . . . . COVER How Consistent Lake Management Helps Create Happier, Healthier Communities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5 Many Thanks to Our 2022 Breakfast Webinar/Seminar Sponsors! . . . . . . . 7 2022 Events . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9

EXECUTIVE BOARD

President . . . . . . . . . . . . . . . . S usan Rapaport, Esq. Davis, Agnor, Rapaport & Skalny, LLC President-Elect . . . . . . . . . . . Rebecca Clemson-Petrik, CMCA, AMS, PCAM FirstService Residential, AAMC Vice-President . . . . . . . . . . . . James Anderson, PE Becht Engineering BT, Inc Treasurer . . . . . . . . . . . . . . . . Vicki Eaton, CMCA, AMS, LSM, PCAM Community Association Services, Inc., AAMC Secretary . . . . . . . . . . . . . . . . Gail Windisch, CMCA, AMS, PCAM Tidewater Property Management, Inc., AAMC

Playground Safety is Your Community’s Responsibility . . . . . . . . . . . . . . . . . 10

DIRECTORS

Cynthia McKoin, Potomac Ridge Condominium, Inc. Kelly Rae, RoofPro, LLC Steve Randol, Piney Orchard Community Association Gary Saylor, Atlantic Maintenance Group

Diamond Sponsor Showcase—Minkoff Company . . . . . . . . . . . . . . . . . . . . . . 12 Ring in the New Year . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13 Welcome New Members . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14 Platinum Sponsor Showcase—Quiza Management, LLC . . . . . . . . . . . . . . . . 15

Social

COMMITTEE CHAIRS

Stormwater Management Systems in Maryland and Resources for Boards and Community Managers . . . . . . . . . . . . . . . . . . . . . 16 Save the Date: 2022 Chesapeake Chapter Annual Golf Outing . . . . . . . . . . 18

DelMarva

Chad Toms, Chair Whiteford, Taylor & Preston, LLC Lisa Meck, CMCA, AMS, Vice-Chair Carl M. Freeman Companies

Education

Noni Roan, Chair CIT, a division of First Citizens Bank Christa Brady, AMS, PCAM, Vice-Chair USI Insurance Services

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.

Legislative

Cynthia Hitt Kent, Chair Law Office of Cynthia Hitt Kent, LLC Karen Fooks, CMCA, AMS, Vice-Chair Community Management Corporation

Membership

Ron Bridge, Chair Risk Strategies Company Ruth Harlan, Vice-Chair Carroll Vista Condominium

Newsletter

Michelle Baldry, Chair Reserve Advisors Sami Satouri, Vice-Chair Quest Insurance

Communication

Alicia Menefee, CMCA, AMS, Chair HPS Management Michael Spera, Vice-Chair Tri State Restorations, LLC

Business Partner Advisory

Austin Haspert, Chair E&F Contracting, Inc. Jason Kingan, Vice-Chair Atlantic Maintenance Group

Board Leadership Development Workshop . . . . . . . . . . . . . . . . . . . . . . . . . . . 19 Join a Chapter Committee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20 Diamond Sponsor Showcase—RoofPro . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22 What is a Watershed? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23 Diamond Sponsor Showcase—Sagewater . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25 2022 Professional Management Development Program (PMDP) . . . . . . . . 26 Congrats . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26 Diamond Sponsor Showcase—Tidewater Property Management . . . . . . . . . 27

Get Social With Us! Be sure to like and share our chapter posts on Facebook and LinkedIn and follow along by using the chapter’s hashtag: #CAICRC

CAI CHESAPEAKE REGION CHAPTER Stephen McConoughey, Executive Director Angela Marsh, Marketing and Events Manager Christina Killian, Office Administrator PO Box 6838, Columbia, MD 21045 Office Line: 410-348-1534 Membership Line: 410-505-8746 Office Email: contact@caimdches.org Membership Email: membership@caimdches.org Website: 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.

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

President’s Message Dearest Chapter Members, Welcome to 2022! The Chapter Board and all of its committees have planned many wonderful events and educational programs for the upcoming year. As a Chapter, thanks to the efforts and foresight of our superb staff, we have embraced the technology era. Some of our educational programs will continue to be held virtually, giving all of our members the opportunity to attend no matter where they are physically located. Other educational programs, including the Expo, as well as our social events are slated to be held in person so that our members can network with one another and simply enjoy each other’s company. When I first joined this Chapter in 1990, it was a small organization with only a part-time Executive Director. Over the years, it has grown to a Chapter boasting 1,200 members, the goal set by last year’s President Gail Windisch. A business, however, cannot rest on its laurels, but must be strategic and forward thinking. As goals are achieved, it must establish new ones.

Many years ago, someone told me that when a business has reached the top of a ladder, it finds itself at the bottom of the next ladder. Through the tireless efforts and leadership of prior boards and committee members, the Chapter has reached the top of that first ladder. This year, my theme for the Chapter is “taking it to the next level.” Whether it is our educational programming, our advocacy work, or our networking opportunities, I challenge the Board, the committees, all Chapter members and the staff to build upon our amazing achievements and begin climbing the next ladder. I look forward to serving as your President and I hope to see you at many Chapter programs and events throughout the year. Grab your water bottle and let’s start climbing together! Regards, Susan Rapaport, Esq., Partner Davis, Agnor, Rapaport & Skalny, LLC Chesapeake Region Chapter President

Condominium and Community Association Insurance Specialists Our dedicated team is ready to answer all your Coastal, Condo and CA Insurance questions!

Melissa Esham

PCAM, CMCA, AMS Comm. Assoc. Advisor

Megan Muller, CIC Client Advisor

Hope Thomas Client Advisor

Extensive Coastal Experience Dedicated Community Assoc. Team Seamless Claims Processing Insuring more than 500 Condominiums Board Member & Unit Owner Support:

Brittany Meadows CLCS • Client Advisor

• Attending Board Meetings & Annual Homeowner Meetings • SHORE, our Community Association Newsletter

Local Agents Working with National A-Rated Carriers

Brooke Sharbaugh

CLCS • Client Advisor

Cindy deC. Hall Executive VP

Matt Jones

VP of Sales

Laura Deeley Bren

CIC, ASLI President

Visit deeleyinsurance.com

410-213-5600

Delaying Repairs is no Longer an Option Why should boards be prepared to act quickly in response to the new requirements? Two of the most critical items boards should be sure to manage are insurance coverage for the community and the ability for residents to obtain financing to purchase or refinance their home. Due to the Surfside tragedy and increasing climate related storm activity, both mortgage lenders and insurance providers are taking a harder look at how communities are managing their infrastructure repairs and insurance policies. These new requirements target building resiliency and include specific requirements that must be communicated in lender questionnaires. These requirements focus on deferred maintenance, special assessments, reserve requirements and unsafe conditions.

KEY REQUIREMENTS • Deferred maintenance and unsafe conditions—Lenders will be reviewing meeting minutes to determine if there are any outstanding maintenance or construction projects that may have significant impact on safety, soundness, structural integrity, or habitability of the community. • Special assessments—Communities will be required to provide backup justifying the assessment, total amount to be assessed, repayment terms and documentation evidencing no negative impact to financial stability, viability, condition, and marketability of the community. • Reserve requirements—Communities are strongly urged to obtain a reserve study (some jurisdictions even require it or are considering legislation to require it), keep it updated, and follow its recommendations for reserve and maintenance schedules. In addition, communities who contribute less than 10% of their annual budgeted income to reserves will be seen as an increased risk by secondary mortgage markets.

Why are lenders and insurance companies concerned? • Fannie Mae currently guarantees an estimated 70% of the mortgages in the United States. • Underfunded reserves can leave buildings in disrepair, reducing values and increasing the risk that those mortgages are under water. • Insurance written on old values can leave communities unable to rebuild in the event of a loss, increasing the risk of large assessments and homeowner defaults.

What should boards do? • Create a capital plan—Use a licensed engineer and a reserve study as a baseline and outline immediate and long-term reserve expenditures. Include immediate and long-term capital expenditures and any structural or infrastructure components not found in the reserve study. Example: Riser Piping, Balconies or Façade. These are typically in the reserve study. • Communicate, communicate, communicate—Inform residents of the importance of funding reserves and making timely repairs as well as the potential consequences of inaction. Highlight recent Fannie Mae guidance and outline your plan to keep the community compliant. Tie this back to protecting the value of everyone’s homes in the community as staying Fannie Mae compliant is critical to home sales and refinancing. • Implement the plan—Use the reserve study as your guide. If need be, adjust the timing of projects, annual reserve contributions and consider financing projects if it makes sense. For additional details on new requirements please visit: Fannie Mae www.fanniemae.com/research-and-insights/perspectives/ condos-sustainable-housing-option Community Association Institute https://advocacy.caionline.org/collapse-ofchamplain-tower-south-in-surfside Written by: Jared Tunnell Senior Vice President, National Cooperative Bank (NCB) jtunnell@ncb.coop 703-302-8176 & Leslie Brown, Esq. Shareholder, Rees Broome, PC lbrown@reesbroome.com 703-790-6217

How Consistent Lake Management Helps Create Happier, Healthier Communities Lakes, rivers, beaches, and even swimming pools have beneficial effects on the well-being of visitors that are hard to define. Water is not only essential for our survival, it has a profoundly relaxing and refreshing impact on people’s mental health and happiness. Human beings will always be inextricably connected to water physically, mentally, and spiritually. This helps explain why communities near large water systems are common vacation destinations and highly desirable places for residential communities. It also underscores the importance of preserving our precious aquatic resources. Maintaining balanced aquatic ecosystems is more important than ever as water scarcity, eutrophication, drought, and increasing demand continue to cause depletion and degradation of water quality worldwide. Water pollution can lead to Harmful Algal Blooms, toxicity, nuisance and invasive aquatic weed growth, bad odors, and taste issues in drinking water reservoirs—among many other issues. These types of water quality challenges can lead to diminished property values and will undoubtedly have a negative effect on swimming, boating, fishing, wildlife watching, and overall enjoyment of nature. In many areas, it’s common for water quality problems to shut down lakes and beaches throughout the summer, but few people are cognizant of why these problems occur and how significantly they can threaten our innate connection with the water. Assessing and addressing issues with water quality requires the experience and knowledge of experts who focus on optimizing all the benefits that balanced water can provide. Preserving and enhancing water quality calls for successful proactive management with long-term results in mind. Lake and pond management is a science and taking all variables into account is the only way to address water quality issues at their root causes. Aquatic biologists pay close attention to detail and consider the entire aquatic ecosystem when collecting sound physical, chemical, and biological data. Water quality assessments are a common starting point to uncover this important information and identify potential nutrient imbalances, pollutants, watershed inputs, algal populations, or other problems. With every visit to your waterbody, aquatic biologists can learn more from each new water sample. This data creates a basis for management recommendations and informs the use of eco-friendly tools and advanced technologies. Depending on the challenges your waterbody faces, it may require a combination of solutions. Fountains and submersed aerators are excellent at increasing healthy dissolved oxygen levels in the water while circulating different areas of the water column. Likewise, new aeration solutions like Oxygen Satura-

tion Technology are changing the game by making it possible to directly inject oxygen into the water to correct deficiencies, eliminate bottom muck, and potentially end reliance on herbicides. In the event that herbicides are required to achieve lasting aquatic weed control, advanced drone technology is now available to efficiently and precisely target affected areas. Drones also aid in surveillance, making it easier than ever to identify problems such as eroded shorelines, which can be rebuilt with innovative mesh technologies that integrate seamlessly into the landscape for lasting stabilization. These efforts are often paired with sediment removal strategies like hydro-raking and the application of nutrient management products that prevent future algae and aquatic weed growth. These steps can be further supported with the introduction of deep-rooted native vegetation, which form beneficial shoreline buffers that prevent undesirable nutrients and pollutants from entering the water. These solutions provide immediate benefits, but they are not permanent. Lakes and ponds require year-round care for longterm success. An annual management program comprehensively supports aquatic ecosystems with many of these solutions and others that nurture waterbody health and functionality. When an annual plan is uniquely tailored to the individual characteristics of your waterbody, you can maximize the many physical, mental, and spiritual benefits of time spent in and around the water. Learn more about this topic at www.solitudelakemanagement. com/knowledge Written by: Noel Browning Aquatic Biologist, SOLitude Lake Management nbrowning@solitudelake.com

Specialized lending and financial solutions for associations with Truist Association Services. Tavarious Butts VP / Relationship Manager 703-284-0561 Tavarious.Butts@Truist.com Truist.com/AssociationServices Truist Bank, Member FDIC and Equal Housing Lender . Loans and lines of credit are subject to credit approval. ©2021 Truist Financial Corporation. All rights reserved.

2022 BREAKFAST SERIES MANAGERS EARN 2 Continuing education credits

INSURANCE ROUNDTABLE FEBRUARY 23 - 9:30 AM - 12:00 PM

V I RT

T EN

Join us to speak with insurance leaders in our region and learn more about Directors & Officers insurance, Employment Practices Liability Insurance, Cyber, Property AL Coverages, and more! U

Building Better Communities

CONFLICT RESOLUTION MARCH 23 - 8:30 AM - 11:30 AM

HOW TO PREVENT BURNOUT SEPTEMBER 21 - 8:30 AM - 11:30 AM

TEN OAKS BALLROOM - CLARKSVILLE, MD

Learn how to pick your battles, deal with mediation and arbitration, navigate conflicts within a Board, and how to defuse situations and reach a consensus.

Learn how to help managers, business partners, homeowners, and volunteers avoid the burn!

IN PERSON

MANAGING CAPITAL PROJECTS MAY 11 - 8:30 AM - 11:30 AM

IN PERSON

LEGAL ROUNDTABLE - COLLECTIONS NOVEMBER 16 - 9:30 AM - 12:00 PM

TEN OAKS BALLROOM - CLARKSVILLE, MD Join us to speak with legal leaders in our region and learn more about collections and how best to protect your association and its homeowners. U

T EN

IN PERSON

V I RT

Learn about prioritizing projects, time management, insurability, financial planning for large infrastructure projects, managing impact, and more!

For more information on our Chapter, events, or membership, visit: caimdches.com #CAICRC

Many Thanks to Our 2022 Breakfast Webinar/Seminar Sponsors! Atlantic Maintenance Group Becht Engineering BT Community Association Underwriters of America Construction Systems Group Hann & Hann Construction Services Knott Mechanical Kris Konstruction Roofing Professionals Lerch, Early & Brewer Mr. Clean Power Washing LLC National Cooperative Bank North Arundel Contracting Oliveri & Associates, LLC

Precision Concrete Cutting of MD & DE Pro Painting & Contracting Quest Insurance Rees Broome RoofPro SageWater SI Restoration The Falcon Group TRC Engineering Tri State Restorations, LLC Walker Consultants WINTRUST Community Advantage

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

ATLANTIC MAINTENANCE GROUP DIAMOND SPONSOR SHOWCASE 2022

Events 2022 JANUARY Wednesday, 12th Charting Your Course Webinar (9-10 am)

FEBRUARY Wednesday, 23rd Breakfast Webinar: Insurance Round Table (9:30 am - Noon)

MARCH Thursday/Friday, 17th & 18th Board Leadership Development Workshop (Virtual) (9 am - noon) Wednesday, 23rd Breakfast Seminar: Conflict Resolution Ten Oaks Ballroom, Clarksville, MD

APRIL Friday, 1st Delmarva Breakfast Seminar Clarion Resort Fontainebleau Hotel Ocean City, MD Monday, 25th Delmarva Golf Outing Glen Riddle Golf Club, Berlin, MD

JULY

MAY Wednesday, 11th Breakfast Seminar: Managing Capital Projects Ten Oaks Ballroom, Clarksville, MD

Friday/Saturday, 20th & 21st Board Leadership Development Workshop (Virtual) (9 am - noon)

AUGUST Wednesday, 17th Manager Huddle (Virtual)

Thursday, 14th Crab Feast Centennial Park Ellicott City, MD

Monday, 29th Golf Outing Norbeck Country Club, Rockville, MD

Tuesday, 18th Annual Expo & Symposium Martin's West Baltimore, MD Date TBD Homeowner Webinar: Meeting Management (Virtual)

Wednesday, 15th Manager Huddle (Virtual)

Wednesday, 18th Homeowner Webinar: Financials 101

Wednesday, 13th Manager Huddle (Virtual)

OCTOBER

JUNE

SEPTEMBER Friday, 9th Delmarva Breakfast Seminar Ocean City, MD Wednesday, 21st Breakfast Seminar: How To Prevent Burnout Ten Oaks Ballroom, Clarksville, MD

NOVEMBER

DECEMBER

Friday/Saturday, 4th & 5th Board Leadership Development Workshop

Friday, 2nd Annual Gala Historic Savage Mill, Savage, MD (6:30 pm to 10 pm)

Wednesday, 16th Breakfast Webinar: Legal Roundtable (9:30 am - Noon)

Building Better Communities

caimdches.org #caicrc

Playground Safety is Your Community’s Responsibility

well as General Liability Insurance. Most professionals in the industry recommend using a 3rd party rather than a representative selling playground equipment to avoid bias. It is important to understand what can happen and what the costs can be when a person suffers a playground injury. Injuries can result in both monetary and non-monetary damages. A few years ago, an 8-year-old boy was climbing on the horizontal support poles of the outdoor playground at Burger King, when he lost his grip, fell, and landed on his head on the hard tile floor, resulting in a serious brain injury causing permanent physical and mental impairment. He also suffered from partial paralysis of one side and emotional cognitive and developmental issues. The family sued the Burger King franchise owner and the manufacturer/distributor of the playground equipment, claiming that the restaurant knew or should have known the equipment was dangerous, as their child was not the first to be injured. Ultimately, the parties reached a $20M settlement. [1] Another $20M settlement resulted when a swing set collapsed on a 15-year-old boy at a homeowners’ association managed playground in Las Vegas. A corroded crossbar weighing 42 pounds fell on the boy’s head and injured him severely. The swing set had not been maintained regularly as the HOA thought it was too new to warrant an inspection or repair as it was only three years old. The family won $20M after a jury trial, including $10M in punitive damages. [2]

Is your playground as safe as it could or should be? Are you at risk for lawsuits should an accident occur? Have you established a Standard of Care and appropriate insurance coverages? Don’t be caught off guard. Communities with playground equipment are responsible for providing and maintaining safe play opportunities for our children. Children playing will most certainly take risks, but they should not be subjected to hazards. Each year, more than 200,000 children under the age of 14 are treated in hospital emergency rooms across the U.S. for injuries that occurred while playing on a playground. Often, the injuries are minor in nature, such as bumps, cuts, and bruises. However, broken bones, sprains, strains, dislocations, concussions, and internal organ injuries are some of the most common playground-related injuries that require doctor’s care. Although rare, there have been deaths related to playground equipment. In a ten-year span, 147 children died from playground related injuries including 82 strangulations and 31 falls. You have probably put a lot of time, energy, and money into choosing your playground equipment, design, and installers. It doesn’t stop there. You must also establish your Standard of Care by performing an initial installation audit of the equipment and developing a schedule of inspections and maintenance. Often the equipment manufacturer will provide an inspection schedule and checklist. Following it will not only help keep the equipment in good working condition, but it will also protect you in the event of a lawsuit and is likely a necessary process to maintain any equipment warranties. Having a 3rd party inspector audit/inspect the playground and helping develop a Comprehensive Maintenance Plan—CMP (with regular inspections, maintenance & cleaning)—will not only protect your investment but will also protect the children using it while decreasing liability exposure. While a CMP may seem like an “extra cost,” it pales in comparison to costs associated with a playground injury lawsuit.

Be sure the inspection company you hire is licensed and insured for the work and carries Professional (Errors & Omissions) Liability as

When it comes to playground insurance, the most recommended coverages are General Liability, Premises Liability, Products Liability, Completed Operations, Directors and Officers Coverage, and Workers Compensation. These are in addition to ensuring playground contractors are properly covered when installing playgrounds.

“Protects against complaints that occur after a contract has been completed. For example, if a playground contractor completes a structure and a fault is found with it post-completion, the contractor will be covered for that complaint.”

General liability coverage pays for costs incurred from a wide variety of incidents. It helps cover costs that may result from any lawsuit brought forth because of an injury that occurred on a playground. General liability includes three main types of protection: Premises Liability—Covers the costs of incidents that may occur on playground property. Products Liability—Covers and protects an organization from injuries or damages caused by a faulty product. It will also help pay costs incurred from a product that makes a customer sick or injures someone. Completed Operations—Protects against complaints that occur after a contract has been completed. For example, if a playground contractor completes a structure and a fault is found with it post-completion, the contractor will be covered for that complaint. Directors and Officers Insurance comes to play in the event of an egregious injury where board members can be found liable. This type of insurance covers and protects directors, officers, employees, or volunteers of a business or other type of organization, from damages which result from bad decisions, errors, or omissions made by said individuals.

Workers Compensation Insurance is a type of coverage which protects the business in the scenario where an employee is injured while building a playground structure. It covers emergency care, continued care, and missed income if the employee cannot return to work immediately. In an article written by Laura Otto for the HOA resources, Kelly G. Richardson, co-founder and managing partner of Richardson Ober in Pasadena, CA., a fellow in CAI’s College of Community Association Lawyers (CCAL), and a CAI past president, gave the following tips for

structuring safe practices for playgrounds. [3]

1 2 3

Have a periodic maintenance schedule for all equipment.

on’t hesitate if there is a problem. If there is a potentially unsafe D situation, act appropriately on the situation in a manner commensurate with the danger.

Finally, invest in a solid insurance plan.

Implement a risk management plan. Hire qualified experts who can turn a critical eye toward the equipment and offer safety advice.

“Remember the guidelines mentioned above and help keep your playground safe for everyone. ” Many of our communities provide playground space for children. That is often a great amenity to offer. However, that space needs to be provided in as safe a manner as possible at a reasonable risk to the association. Remember the guidelines mentioned above and help keep your playground safe for everyone. Written by: Sami Satouri, RHU®, ChHC® President/Owner, Quest Insurance ssatouri@questinsurance.us 703-961-8886 & Keith Lively, CPSI—NRPA President/Owner, Playground Patrol, LLC. Keith@PlaygroundPatrol.net 301-401-2524

Register Today for Our Inaugural Eastern Shore Golf Outing! Date: Monday, April 25, 2022 Glen Riddle Golf Club, Berlin, MD Register here for a foursome! Register here to sponsor!

MINKOFF COMPANY

DIAMOND SPONSOR SHOWCASE 2022

When Disaster Strikes, Experience Matters

We Are Proud to Support CRCCAI as a Diamond Sponsor!

• Water Extraction • Mold Remediation • Full-Scale Reconstruction • Structural Drying & Dehumidification • Boardup and Building Stabilization • Multi-Family Restoration Specialist

24 - Hour Emergency Services 1-800-Minkoff • MINKOFF.COM 1 1 7 1 6 B a l t i m o r e Av e n u e , B e l t s v i l l e , M D 2 0 7 0 5

We Respond, We restore.

Our Chapter has new phone numbers and a Membership email address in 2022! Main Office - 410-348-1534 Membership Question? Call - 410-505-8746 or email: membership@caimdches.org

Expertise. Focus. Solutions. Put the leading bank for community association management companies to work for you with individualized service, custom technology and smart financial solutions.

cit.com/cab Let’s get started. Noni Roan, CMCA, Vice President 301.639.5503 | Noni.Roan@cit.com

Welcome New Members! New Chapter Members: October–December, 2021

Ms. Melissa Hammond Mr. DeRon Johnson Balk Hill Village Homeowners Association Mr. Ernest Kwegyir-Afful Balk Hill Village Homeowners Association Ms. Tracie Mitchell Balk Hill Village Homeowners Association Ms. LaWanda Spicer Balk Hill Village Homeowners Association Ms. Tammy Tillman Balk Hill Village Homeowners Association Mr. Thomas Corrigan Bishops Landing HOA Ms. Barbara Eileen Keefer Bishops Landing HOA Ms. Melissa Wagner Bishops Landing HOA Hilary Bradley Community Management Corporation Laura Parrish Hickory Ridge Community Association Ms. Patricial Duncan Homeland Condominium Association Ms. Amy Peck Ocean Pines Association, Inc. Ms. Josette Wheatley Ocean Pines Association, Inc. Mr. Lukas Prokop PoolEntry, Inc Ms. Felicia Canter Professional Community Management Ms. Nancy D. Kinsey Professional Community Management

Ms. Doris Desantis The Greens II at Leisure World Ms. Cheryl Prejean Greaux The Greens II at Leisure World Mr. Philip H Marks The Greens II at Leisure World Mr. Gregory Nash The Greens II at Leisure World Mr. Jeri Rhodes The Greens II at Leisure World Mr. Gordon Smith The Greens II at Leisure World Mr. Edward Walper The Greens II at Leisure World Mrs. Stephanie Austera Tidewater Property Management Mrs. Lisa Kelly Ms. Robyn Thompson Ms. Donna Voigt

Ms. Tammie Cunningham The Management Group Associates Mr. Gerald Dori Tidewater Property Management Bernie Moran Waterford Landing Condominium Ms. Carol Preston Waterford Landing Condominium Mrs. Sandra Battista Mr. Robert A Koch Mr. Kellin Randall Morris Capitol Insurance Restorations, Commercial Division Miss Barbara Elizabeth Hinton Complete Management Services, Inc. Mrs. Ariolle Nuon Comsource Management

Mr. John Ryan Quinn, Esq. Kelly & Quinn, LLC Ms. Ruth Ann Meyer Ocean Pines Association, Inc. Mr. Bob Marano Roundwood Ridge III Condominium Mr. Jeff Holzworth Solitude on White Creek Homeowners Association Mr. Dan Nichol Solitude on White Creek Homeowners Association Ms. Kathy Stoessel Solitude on White Creek Homeowners Association Mr. Jerry Adams Sycamore Mew at Crofton Village Ms. Chloe Hunter Sycamore Mew at Crofton Village

Mrs. Lisa M Allen Barkan Management, LLC

Mr. Earl Richardson Deer Harbour Improvement Association

Mrs. Lakey Boyd Columbia Association, Inc.

Mr. James Proakis Edgewater House

Ms. Kim Pruim Sycamore Mew at Crofton Village

Ms. Jessamine Duvall Columbia Association, Inc.

Mr. Eugene Reiss Edgewater House

Mrs. Christina Schoonmaker Sycamore Mew at Crofton Village

Ms. Tina Horn Columbia Association, Inc.

Mr. Johnnie Nussbaum Fairways South at Turf Valley Neighborhood Assoc, Inc.

Ms. Julia Neph Symphony Village Homeowners Association

Mr. Bert Ross Forest Landing Community Association, Inc.

Mr. Scott Duke The Witmer Group

Ms. Ashley Vaughn Columbia Association, Inc. Mr. Keith Anthony Joseph, II Community Management Corporation Ms. Sarah Erhart Sea Gate Condominium Jeri Fleming Sea Gate Condominium Mr. John Novak Sea Gate Condominium Mrs. Jennifer Black South River Colony Conservancy Ms. Marla Rodgers South River Colony Conservancy

Mr. Derrick Gonzales Gap View Village Homeowners Association, Inc. Mr. Gregory Mitchell Gap View Village Homeowners Association, Inc. Mr. Stan Ryder Homeland Condominium Association Mrs. Victoria M. Alexitch HPS Management

Ms. Ceilia Meshey Sycamore Mew at Crofton Village

Samantha L Fodi Tidewater Property Management Mr. Steve Holdiman Two Rivers Homeowners Association Mr. Jonathan Urick Two Rivers Homeowners Association Mr. George S. Herrmann Villages at Red Mill Pond Mr. Robert Nordaby Villages at Red Mill Pond

QUIZA MANAGEMENT, LLC PLATINUM SPONSOR SHOWCASE 2022

Property Management & Real Estate Specialists 4550 FORBES BOULEVARD, SUITE 120 | LANHAM, MD 20706 Email: info@quizamanagement.com | Web: www.quizamanagement.com Phone: 301-805-1050 | Fax: 301-805-1051 | Toll Free: 1-877-805-1050

QUALITY MANAGEMENT YOU CAN TRUST! providing you with

Professional Property Management • Residential • Community Associations (HOA's, Condominiums, etc.) • Commercial Real Estate Brokerage & Leasing Services

Home Improvement | Maintenance & Repairs

SERVING MARYLAND, DISTRICT OF COLUMBIA & VIRGINIA 15

Stormwater Management Systems in Maryland and Resources for Boards and Community Managers

Stormwater, which includes rainfall, snow, and ice melt, impacts all types of community associations and can be one of the costliest expenses if left unmanaged. In natural settings such as forests and fields, stormwater is absorbed by vegetation and soil. In residential communities with impervious surfaces like roads and roofs, design strategies are implemented to control stormwater since there is less area to provide surface absorption. Managing stormwater involves two components: improving the water quality and controlling the water quantity. By controlling the direction and slowing the flow of water, effective stormwater management allows communities to prevent soil erosion, runoff, and flooding, and decrease and remove pollutants to our watershed: the streams, rivers, and tributaries that lead to the Chesapeake Bay. For the past several decades, Maryland has taken a proactive stance in its approach to stormwater management (SWM), which is also regulated on the county and federal level. Stormwater Management standards, adopted in 2000 as the Maryland Stormwater Design Manuals, and later revised in 2009, are the official state guidelines for the construction of stormwater management devices. The manual outlines Environmental Site Design (ESD), a strategy which “relies on integrating site design, natural hydrology, and smaller controls to capture and treat runoff.” Because of Maryland’s diverse geography—from mountains to shoreline—inspection of stormwater management systems occurs on the county level. By state law, counties must inspect SWM devices every three years. Each county will use an inspection checklist to monitor the devices, and Association Boards and Community Association Managers often build collaborative relationships with the county inspectors to identify defects and deficiencies in stormwater devices and implement solutions to bring those systems into compliance. Boards and Managers should be familiar with the county office that inspects their SWM systems and are encouraged to participate in the inspection process.

The Stormwater Management Act of 2007 required developing a process for stormwater management construction approval that includes performance standards and the implementation of environmental site design (ESD). Developers must comply with the SWM Act and follow guidelines provided by the design manuals as well as meet federal and county regulations when creating stormwater management systems for communities under construction. Oftentimes, the developer is required to submit a construction bond to the county, going through an inspection process to ensure that the SWM device is functioning as designed. Additionally, counties often require a maintenance phase in which the Association maintains the SWM devices by providing routine and preventative maintenance, but the developer is responsible for repairing or replacing any defects or deficiencies until the devices pass and the bond is released. Each county regulates the bond and inspection process differently, and it’s important for communities under construction to be knowledgeable of the requirements placed on the developer. It’s also important to understand that SWM plans, sometimes referred to as As-Builts, Landscape Plans, or Site Designs, will go through several revisions and are reviewed and approved by the county.

“It’s also important to understand that SWM plans, sometimes referred to as As-Builts, Landscape Plans, or Site Designs, will go through several revisions and are reviewed and approved by the county.”

Boards should work collaboratively with managers, developers, landscapers, and county inspectors to promote awareness and education of the SWM devices in their communities. Some counties maintain the SWM facilities on behalf of the Association; some

counties require maintenance of the facilities to be performed by the Association. Boards and community leaders should be knowledgeable of the types, locations, and maintenance obligations with which they are required to comply. Many counties will provide education on maintaining SWM systems, and there are several programs that offer training, financial aid, and resources on retrofitting aging devices and making corrections to deficient ones. For example, The University of Maryland Extension office provides a Watershed Stewards Academy in 8 regions throughout the state. The goal of the program is to empower residents through education, hands-on leadership experiences, and knowledge-sharing to form partnerships that benefit the local communities.

“Many communities under construction that have turned over from Declarant to a homeowner-elected Board also choose to include SWM devices in transition studies, ensuring that a third-party opinion is provided during the turnover process.”

Community leaders should make sure that reserve studies include stormwater management devices to appropriately save for their eventual repair and replacement. Many communities under construction that have turned over from Declarant to a homeowner-elected Board also choose to include SWM devices in transition studies, ensuring that a third-party opinion is provided during the turnover process. Large retention ponds are less likely to appear as developing communities employ environmental site design to create native plant rain gardens, gravel wetlands, and other devices that are both

aesthetically pleasing and create natural habitats. These newer systems are designed to create visual harmony and add value while serving an important purpose of protecting the watershed. Through education, planning and collaboration, community leaders can proactively manage their stormwater management systems. Written by: Alicia Menefee, CMCA, AMS Community Manager, HPS Management alicia.menefee@hpsmanagement.com

ARTICLE SUMMARY 1. Obtain an inspection checklist from the county 2. Build partnerships between managers, developers, landscapers and county inspectors 3. Invest in education and training for homeowners and community leaders 4. Include stormwater management facilities in reserve studies

SAVE

E! T A D THE

2022 Chesapeake Chapter Annual Golf Outing

Monday, August 29, 2022 Norbeck Country Club Olney, MD Details on Sponsorships and Registration to follow soon!

An “Accredited Association Management Company” (AAMC®)

CAMP. . . specializing in the management of homeowner associations, condominiums, and 55+ communities . . . we guarantee accountability, transparency, a superior management product and memorable customer service! SUSAN BLACKBURN, President, CMCA®, AMS®, PCAM® (202) 999-0394 • www.gocampmgmt.com • 209 West Street • Suite #302 • Annapolis • MD 21401

ATTENTION HOMEOWNERS Virtual Board Leadership Development Workshops! Thursday, March 17th and Friday, March 18th - Register here Friday, May 20th and Saturday, May 21st - Register here Friday, November 4th and Saturday, November 5th - 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.

THE PROPERTY MANAGERS PREFERRED ELECTRICIAN Service Calls, Infrared Electrical Inspections, Pole Lighting, EV Chargers & MUCH more

COMPETITIVE PRICING

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

LICENSED & INSURED

CALL TODAY FOR YOUR COMPLIMENTARY ESTIMATE

(410) 357-6566 Service@cheselectric.com

www.cheselectric.com

JOIN A CHAPTER ! E E T T I M M O C

The Chesapeake Region Chapter is always looking for new volunteers to serve on our committees! Below are the descriptions, chairs and meeting times of our 2022 committees as well as their purpose and goals. If you are interested in serving on one of our committees, please contact the Chapter office at contact@caimdches.org.

BUSINESS PARTNER ADVISORY

DELMARVA COMMITTEE

To advise the Chapter on all matters that impact Business Partners (BP) which includes 1) identifying, defining, and pricing potential sponsorships, 2) creating new sponsorship possibilities, 3) developing educational programs for BP that includes how to leverage a CAI membership to improve your business and best practices for working with community managers and boards. The goal of this Committee is to improve the number and engagement of BP members and to ensure BP members feel they are receiving the most of their membership and sponsorship(s). This committee meets on the fourth Thursday of the month at 9:00 am.

Develop and plan for implementation of educational activities, strategies and networking events to promote education and recruitment of new members and retaining current members on the Eastern Shore of Maryland & Delaware Beaches, in accordance with the Board’s directives while promoting the value of CAI membership to prospective members on the Eastern Shore. This Committee meets on the second Monday of the month at 2:00 pm.

Chair: Austin Haspert, E&F Contracting Vice-Chair: Jason Kingan, Atlantic Maintenance Group

COMMUNICATIONS COMMITTEE To identify and develop communication materials for the Chapter. The committee shall identify themes and campaigns that the Chapter can use each year to create impactful communication to its members. These would include, but are not limited to, email campaigns for events and membership drives and any print material that is created throughout the year. The Committee will also identify new forms of communication that the Chapter could use (e.g., video emails) and evaluate its success of its current communications (email open rate, click through, etc.). This committee meets on the fourth Monday of the month at 10:00 am. Chair: Alicia Menefee, CMCA, AMS, HPS Management Vice-Chair: Michael Spera, Tri State Restorations, LLC

Chair: Chad Toms, Whiteford, Taylor & Preston, LLC Vice-Chair: Lisa Meck, CMCA, AMS, Carl M. Freeman Companies

EDUCATION COMMITTEE To identify, plan, market and implement educational programs for all Chapter members, and as required by the Board and national CAI, in accordance with the Board’s directives. Such programs may include the Chapter’s monthly breakfast seminars, homeowner classes, topics for the Chapter’s annual Expo and Symposium, and any other educational programs, as determined by the Board. Volunteer seminar coordinators for the breakfast programs will be solicited from among the membership. The committee may be asked to assist the seminar coordinators, Board and Chapter Staff in identifying, contacting, and coordinating speakers for such programs. This committee meets on the second Wednesday of the month at 9:30 am. Chair: Noni Roan, CIT, a division of First Citizens Bank Vice-Chair: Christa Brady, AMS, PCAM, USI Insurance Services

EXPO COMMITTEE

MEMBERSHIP COMMITTEE

To plan, market and implement the Chapter’s annual Expo and Symposium, which shall include networking opportunities and educational programs for all Chapter members, in accordance with the Board’s directive. To assist the Board and Chapter Staff to identify, plan, promote, and generate financial support for the annual Expo and Symposium through various means such as, sponsorships, donations, registration fees, and fund-raisers, in accordance with the Board’s directives. This committee meets on the second Tuesday of the month at 9:30 am.

To develop, plan activities and strategies for recruiting new members and retaining current members, in accordance with the Board’s directives. To welcome new members and provide information regarding the Chapter, its members, and the benefits of membership. To assist new members and existing members in becoming acquainted with other members and available Chapter resources. To provide mentorship to new and existing members. To promote the value of CAI to the membership and general public. To help formulate marketing plans/ideas to further the Chapters membership. This committee meets on the third Tuesday of the month at 1:00 pm.

Chair: Ellen Throop, Davis, Agnor, Rapaport & Skalny ice-Chair: Joanne Frallicciardi, CMCA, AMS, Community V Association Management, LLC

Chair: Ron Bridge, Risk Strategies Vice-Chair: Ruth Harlan, Carroll Vista Condominium, Inc.

GOLF COMMITTEE

NEWSLETTER COMMITTEE

To plan, market and implement an annual Golf event for all Chapter members, in accordance with the Board’s directive. The Golf event should include proposed programs for networking among the members during the Golf event. To assist the Board and Chapter Staff to identify, plan, promote, and generate financial support for the Golf event through various means such as, sponsorships, donations, registration fees, and fund-raisers. This committee meets on the third Friday of the month at 9:30 am.

To assist the Board and Chapter Staff with obtaining, reviewing and editing articles, advertisements, and other content for the Beacon Newsletter, in accordance with the Board’s directive. Articles should be timely and provide information to the membership on events, trends, legislation, governance issues, etc., that are relevant to CAI, the Chapter, community associations, and industry professionals. Articles should not be advertisement pieces for any particular company. This committee meets on the first Thursday of the month at 10:00 am.

Chair: Scott Karam, Kris Konstruction Roofing Professionals

Chair: Michelle Baldry, Reserve Advisors

Vice-Chair: Kara Permisohn, Minkoff Company

Vice-Chair: Sami Satouri, Quest Insurance

LEGISLATIVE COMMITTEE

SOCIAL COMMITTEE

The newly formed Chesapeake Region Chapter’s Legislative Committee will assist the MD-LAC by informing the MD-LAC of issues encountered by Chapter members requiring a legislative solution at the State level and will provide the MD-LAC with input on legislation introduced at the State level impacting only a certain county. The Chapter Legislative Committee will monitor and influence legislation at the county level in those area in Maryland and Delaware within the Chapter’s region. This committee meets on the second Thursday of the month at 4:00 pm.

To plan, market and implement an annual Social or other Social Activities for all Chapter members that may be entertaining and provides an environment conducive to networking and also provides an avenue to recognize volunteers and Board Members for their terms of service for the year trying to build attendance and net a profit in accordance with Board’s directives. To identify, plan, promote, and generate financial support through various means such as, sponsorships, donations, registration fees, and fund-raisers, in accordance with the Board’s directives. This committee meets on the fourth Thursday of the month at 10:00 am.

Chair: Cynthia Hitt Kent, Law Office of Cynthia Hitt Kent, LLC ice-Chair: Karen Fooks, CMCA, AMS, Community V Management Corporation

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

NAGLE & ZALLER

PLATINUM SPONSOR SHOWCASE 2022

• • • • • • • • • • • • • •

ATTORNEYS REPRESENTING COMMUNITY ASSOCIATIONS Assessment Collection Contract Drafting and Review Document Review & Amendment Construction Defect Litigation Maintenance Responsibility Rules Development & Enforcement Architectural Control Litigation Annual Meetings/Elections Opinion Letters Fair Housing Issues Insurance Issues ADA Issues Incorporation

Email: lawyers@naglezaller.com 7226 Lee Deforest Dr. Suite 102 Columbia, Maryland 21046 Columbia/Balt. (410) 740-8100 D.C. Metro (301) 621-6500 22

What is a Watershed? Can we store water in it, like one of those big water towers we see on the side of the road? Is it a shed that is full of water bottles? Not quite. A watershed is an area of land that drains all the streams and rainfall into a single larger body of water. We all live in a watershed and use this water for drinking, recreation, and even business. Annually, nearly $500 billion in food products and tourism depends on clean water and healthy watersheds. Watersheds can be large or small. The largest watersheds in the United States cover many states and drain into oceans. In fact, your backyard and home are in a watershed. Watershed boundaries are natural and constructed features that direct where water flows. Hills and ridges are natural boundaries. Rain falling on one side of the hill flows in one direction, while rain falling on the other side of the hill will flow in another. Both ultimately fall into their respective watersheds. It is normal for watersheds to cross the borders of counties, states, or even countries. Wherever a watershed may be located, our environment, economy, and our society ALL depend on a healthy watershed. Some believe only a body of water such as creeks, rivers, and lakes, are part of their watershed; however, this is far from the truth. A watershed is ALL of the land. Whether it is a park, forest, farm, parking lot, or even the land you built your home on—it all drains into the same body of water. Each drop of water that falls on the land is channeled into the soil, groundwater, creeks, and streams making their way to larger rivers and ultimately the ocean. You can look at it as a funnel collecting all the water within a specific area and draining into the nearest body of water. Nonpoint source pollution is the largest cause of water pollution and the biggest threat to the health of our watersheds. Rainfall, snowmelt, and other precipitation fall on the land and flow downstream into lakes, rivers, or streams. As the water moves, it carries away natural and human made pollutants from parking lots, roads, yards, fields, and construction sites. This harms the quality of our watershed and others downstream. Our own watershed, the Chesapeake Bay watershed, is 64,000 square miles with 11,684 miles of shoreline, one of the largest in North America. Over 18 million people live in the Chesapeake Bay watershed and about 75% of those people get their drinking water from

here. The Chesapeake Bay’s watershed spans across parts of six states from New York to Virginia including the District of Columbia. Other major cities in the Bay’s watershed include Baltimore, Annapolis, Richmond, Norfolk, Charlottesville, and Cooperstown; with a land-towater ratio of 14:1. Remember a watershed is more than just the water around us, it is the air we breathe and the places where we live, work, and play. We share it with wildlife, fish, birds, and plants. Because of how important the watershed is to all living things we need to become more mindful of our actions and look for ways we can help keep our waterways clean. Simple examples include keeping storm drains clear of debris, disposing of litter properly, and picking up trash whenever we see it. You may even consider organizing a “Cleanup” in your local neighborhood or park. So remember to do your part. Together we can make a difference in the quality of our very own watershed. Written by: Elisabeth Kirk, EBP Director of Marketing & Business Development, TRC Engineering ekirk@trc-engineering.com 410-707-2421

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

SAGEWATER

DIAMOND SPONSOR SHOWCASE 2022

LEFT-BRAIN EFFICIENCY

RIGHT-BRAIN EMPATHY

100,000 Occupied Units Repiped

Residents Never Move Out Dedicated On-site Project Management

35 Million Feet of Interior Pipe Replaced Turnkey Management of All Trades

Custom Communications Package

30 Years Unmatched Expertise

Nationwide Delivery

SIMPLY SMARTER PIPE REPLACEMENT sagewater.com 888-584-9990 25

2022 PROFESSIONAL MANAGEMENT DEVELOPMENT PROGRAM (PMDP) For more information and to view the list of courses offered in 2022, visit www.caionline.org/ LearningCenter/Education-forManagers/Pages/default.aspx

Congratulations to our 2022 President! Susan Rapaport, Partner Davis, Agnor, Rapaport & Skalny, LLC

Thank you and congratulations to our re-elected Board members! Vicki Eaton, CMCA, AMS, LSM, PCAM, General Manager Community Association Services, Inc., AAMC Gail Windisch, CMCA, AMS, PCAM, Senior Director of Operations, Tidewater Property Management, Inc. AAMC

We would like to welcome the following new members to the Board!

Thank you to our returning Board Members! Rebecca Clemson-Petrik, Regional Manager FirstService Residential, AAMC James Anderson, Principal, Becht Engineering BT Kelly Rae, Account Executive, RoofPRO, LLC

Gary Saylor President Atlantic Maintenance Group

Steve Randol, Homeowner Member Piney Orchard Community Association

Cindy McKoin, Homeowner Member, Potomac Ridge Condominium Inc.

To learn more about our new Board members, click here.

TIDEWATER PROPERTY MANAGEMENT DIAMOND SPONSOR SHOWCASE 2022

NOT JUST A MANAGEMENT COMPANY, BUT A RESOURCE.

Tidewater Property Management opened its doors in 1989 to serve developing communities in the Baltimore area. Since then, Tidewater has grown into one of the largest community Association management companies in Maryland. Tidewater prides itself on providing exceptional customer service and utilizing technology to streamline processes to ensure your community is managed to the highest caliber. Our goal is to provide the service of a small, family-owned and operated business, with the advantages of a large-scale company.

Service Areas: • Baltimore Metro Area • DC Metro Area • Delaware • MD Eastern Shore • Pennsylvania • West Virginia • Northern Virginia

SERVICES OVERVIEW: • • • •

•

• •

Community Notice Preparation Non-compliance Letters Architectural Review Processing Routine site visits, as well as annual comprehensive inspections Coordinate and work with attorney on delinquencies Financial management Online portal for homeowners and Board members with important community information

REQUEST A PROPOSAL TODAY! Tidewater Property Management, Inc. 3600 Crondall Lane, Suite 100, Owings Mills, MD 21117 Telephone: (443) 548-0191 Fax: (443) 548-0196 Website: www.tidewaterproperty.com

THE

BEACON

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

BEACON ADVERTISING RATES FOR 2022

ckent@hittkentlaw.com

Ad reservations are taken on a first-come, first-served basis

Ad Size

10 Crossroads Drive, Suite 107 Owings Mills, MD 21117 T: 410.363.9600 | F: 410.363.9601

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

Complete Disaster Restoration Since 1962

24 Hour Emergency Service

Dani Bressler, CAS

Advertising Deadline Spring/Summer issue: April 1, 2022.

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

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.

INTEGRATED ASSOCIATION BANKING Products & Services

Get The Best Products And Service From A Team That Deeply Understands Your Business Contact NCB today to learn how we can work together. www.ncbassociationbanking.coop

Nationwide Lockboxes

Community Association Loans

Single Solution for Payments

Integrated Banking Data

Acquisition Financing

Deposit Accounts

Don Plank

Vice President, PCAM ® TEL (703) 302-1928 dplank@ncb.coop

The Chesapeake Region Chapter Community Associations Institute PO Box 6838 Columbia, MD 21045 410-348-1534

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