Common Assessment Spring 2015

SPRING 2015

The professional provider of education, advocacy and resources for Community Associations

D i s a s t e r P r e pa r e d n e s s f o r C a l i f o r n i a HOA s Fire! EARTHQUAKE! Flood! page 12 BEFORE Disaster Strikes page 22 Advice for HOMEOWNERS page 36

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CAI San Diego Chapter Event Calendar Please note all dates are subject to change. Please check our website or call the office to confirm dates and locations. Thank you!

January 14

28-31

February 5

19-20 25 26

Past President’s Lunch Location TBA Community Association Law Seminar San Francisco, CA

Reverse Trade Show DoubleTree Hotel, Mission Valley M-100 Course DoubleTree Hotel, Mission Valley Morning Educational Program Courtyard by Marriott San Diego Morning Educational Program Sheraton Carlsbad

July 9-10 11 24

August 19

28

4

21 27

Trade Show Sheraton Carlsbad Essentials of Community Association Volunteer Leadership Courtyard by Marriott CID Law Course Courtyard by Marriott San Diego

18

25

October 8-10 7 15-16

April 12-13

Legislative Day in the Capitol Sacramento, CA 21 Educational Conference DoubleTree Hotel, Mission Valley 29 – May 1 CAI National Conference Las Vegas, NV

May 8

12

June 5 19

TBA

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Morning Education Program Courtyard by Marriott - San Diego Morning Educational Program Sheraton Carlsbad

COMMON ASSESSMENT MAGAZINE

CAI San Diego Golf Classic – Coronado Large Scale Managers Workshop Scottsdale, AZ CID Law Courtyard by Marriott San Diego

CEO-MC Retreat New Orleans, LA Morning Trade Show Sheraton Carlsbad California Statewide Legal Forum Los Angeles, CA

November 4 6 13

Morning Educational Program Sheraton Carlsbad Morning Educational Program Courtyard by Marriott, San Diego Monte Carlo Night Sheraton Harbor Island

December 4

10 Trade Show – DoubleTree Hotel Wine Night at Vintana Wine + Dine PCAM/Manager Education Reception

Day at the Races – Del Mar Race Track Morning Trade Show DoubleTree Hotel, Mission Valley

September 23-27

March

M-206 Course Food Bank Community Outreach Program Craft Beer Night Stone Brewery, Liberty Station

Holiday Award Luncheon & Trade Show DoubleTree Hotel Business Partner Event Location TBA

PAGE 16

PAGE 1O

Features

Departments

6

Learning From Disaster

2

2015 Event Calendar

BY JEAN-MARIE SALVIA, CCAM, PCAM

4

President’s Message

BY BRUCE ROSENBLATT

26

New and Renewing Members

12

Fire! Earthquake! Flood!

BY BYRON METTLER, CMCA, AMS, PCAM

17

Preparing for the Big One!

BY BRIAN A. KALMENSON

BY MARIE G. DONOVAN

22

Before Disaster Strikes

BY ELAINE GOWER

20

28

34

36

Disaster Prep: Are You Ready?

ack 2015 Marketing Plan Members B Cover

Chapter News

Emergency Planning in a High Rise Association

10

Wine Night Save the Date

BY BILL LAWRENCE, CAPS, CCAM

11

32

March Trade Show Exhibitors

33

February Morning Educational Program Sponsors

35

Reverse Trade Show Sponsors

Preparing A Family Emergency Plan DEVELOPED BY CAI BASED ON INFORMATION PROVIDED BY THE VIRGINIA DEPARTMENT OF EMERGENCY MANAGEMENT

Advice For Homeowners

BY KELLY G. RICHARDSON, ESQ.

May Morning Educational Program Sponsors

COMMON ASSESSMENT MAGAZINE

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Common

President’s Message The Process of Evolution

T

his is an exciting time for CAI San Diego! We are in a transitory period since our Executive

Director of over 18 years, Barbara Ozenbaugh,

EXECUTIVE COMMITTEE BRUCE ROSENBLATT................................................PRESIDENT MANAGER JOANNA LABAHN-CORNETT......................PRESIDENT-ELECT LABAHN’S LANDSCAPING LAURIE S. POOLE, ESQ............................................ SECRETARY PETERS & FREEDMAN, LLP BECKY GROENEWOLD ........................................... TREASURER ASSOCIA SHANNON SMITH........................................... VICE PRESIDENT RECONSTRUCTION EXPERTS

has moved on to other ventures. Our Interim Executive Director, Jerry Kappel, will hold down the fort while we search for our permanent replacement. We understand that this transition can be challenging and we appreciate the

Bruce Rosenblatt has been a member of the CAI San Diego Chapter since 2006 serving as the Chair of the Membership Committee and Marketing/PR Committee member.

Bruce has served on the Board of Directors for 4 years and is currently the 2015 President.

patience and understanding of our members. Our Board is looking for new ways to serve you, our members. We are listening to your suggestions and value your input on ways to improve CAISan Diego, including our educational and social events. As President, one of my goals for this year is to increase membership by encouraging

managers, board members and homeowners to become more involved in CAI San Diego. I am looking for new opportunities and events that provide a better fit what is happening in our industry. I am surrounded by an incredible team of board members who have gone above and beyond in giving of their time and expertise. As we move forward during this evolution, I am optimistic for what’s ahead for CAI-San Diego.

DIRECTORS VICTORIA COHEN.................................................. HOMEOWNER KRISTINE GAITAN................................................... HOMEOWNER LORI GRAHAM......................................WALTERS MANAGEMENT JEFF MORIN.....GLOBAL DISPOSAL REDUCTION SERVICES, INC.

CHAPTER EXECUTIVE DIRECTOR (INTERIM) JEROLD KAPPEL 619-299-1376 EDITOR IN CHIEF JEROLD KAPPEL executivedirector@cai-sd.org NEW & RENEWING ADVERTISING SALES AMANDA SAWYER admin@cai-sd.org DESIGN & PRODUCTION KRISTINE GAITAN REY ADVERTISING & DESIGN / THE CREATIVE DEPT. 760-746-8700 MAGAZINE EDITORIAL COMMITTEE RACHEL WILLIAMS (CHAIR)... BRAD L. STONER PAINTING, INC. LAURIE S. POOLE, ESQ.................. PETERS & FREEDMAN, LLP BRIAN KALMENSON................ MICHAEL ABDOU INSURANCE AGENCY, INC. ELAINE GOWER...................................... NAUMANN LAW FIRM JEFF FRENCH................................ GREEN, BRYANT & FRENCH JEFF MORIN.....GLOBAL DISPOSAL REDUCTION SERVICES, INC. JODI KONORTI................. EPSTEN, GRINELL & HOWELL, APC MELODIE NICKELL........................... WALTERS MANAGEMENT SUSAN FAKHOURI.......................TODAY’S HOA CONSULTING & BUSINESS SERVICES YVETTE HUFFMAN....TRILOGY COMMUNITY MANAGEMENT LINDSAY FOX.............................. PACIFIC WESTERN PAINTING DEE WAITE...................................THE PRESCOTT COMPANIES

All articles and paid advertising represent the opinions of authors and advertisers and not necessarily the opinion of either Common Assessment Magazine or the Community Associations Institute – San Diego Chapter.

Information contained within should not be construed as a recommendation for any course of action regarding financial, legal, accounting or other professional services and should not be relied upon without the consultation of your accountant or attorney.

Common Assessment Magazine is the official quarterly publication of the San Diego Chapter of the Community Associations Institute. CAI San Diego Chapter encourages submission of news and articles subject to space limitation and editing. Signed letters to the editor are welcome. All articles submitted for publication become the property of CAI San Diego Chapter. Reproduction of articles or columns published permitted with the following acknowledgement: “Reprinted with permission from Common Assessment Magazine, a publication of the Community Associations Institute San Diego Chapter.” © 2015 CAI - San Diego Chapter

ADVERTISING & CORRESPONDENCE SHOULD BE SENT TO: Common Assessment Magazine CAI - San Diego Chapter 1081 Camino del Rio South, Suite 109, San Diego, CA 92108 619-299-1376 / fax 619-299-1377 / www.cai-sd.org

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BY JEAN-MARIE SALVIA, CCAM, PCAM

ON MAY 14, 2014, NINE FIRES BURNED THROUGH SAN DIEGO COUNTY and every resident was impacted in one way or another. Major roads closed, businesses shut down, cell phone towers jammed, mass evacuations took place, family members struggled to reunite, and many residents lost property. For some community association managers, we juggled ensuring the safety of families and evacuating our offices – all while responding to emergency calls from panicked clients.

Continued on page 8

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LEARNING FROM

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Life and safety should be a top priority. Before anything else, ensure that you, your staff, your vendors and your homeowners are safe.

LEARNING FROM DISASTER Continued from page 6

Initial Response Life and safety should be a top priority. Before anything else, ensure that you, your staff, your vendors and your homeowners are safe. While property loss can be devastating, things can be repurchased and rebuilt. Should you need to evacuate, grab your list of contact information and keys, secure the building, and depart safely. Confirm with staff members and vendors that they have done the same. Ask that they check in with you following their departure so that you can account for all personnel and ensure initial procedures were followed. Note: If there is a lifethreatening safety issue, do not require staff members and vendors to stay behind. Not only are you putting colleagues in harm’s way, but there may also be insurance and liability issues associated with such actions. Rather, encourage staff to stay calm, lock the facilities and leave as quickly as possible. With respect to residents, encourage them to take action to keep their families safe and follow all instructions provided by local officials and emergency responders.

Today’s technology allows us to utilize mass email

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The Aftermath The day after a major disaster, such as the 2014 wildfires, can feel like a bad hangover. Unfortunately, we don’t have the option of popping two aspirin and crawling back into bed. We have family members, clients and properties that need immediate attention.

Check in with staff and vendors to ensure safety and set up times to meet and implement a clean-up plan. As soon as you are able, it will be important to visit the property and assess the damage. Document the loss with videos, photos and text, and contact your insurance agent prior to clean-up. If there is a safety issue that needs to be addressed immediately, such as debris in the road, alert your agent to what steps or actions you are taking.

Communication with board members and homeowners is critical. While community members work to pick up the pieces, they need to know that they are not alone. There will be residents who are stressed and panicked. They may have lost their home, an heirloom or a beloved pet. Or, they may simply be overwhelmed by the entire experience. If you run into residents who have suffered loss, take the time to listen. Ask them what the HOA can do to assist them. For example, it may give them piece of mind to know that the patrol company will make a few extra trips in their neighborhood. Or, the immediate clean-up of damaged property may help them to move on and find a sense of normalcy. Your board members may be suffering personal loss and consoling their families, while feeling a sense of responsibility to respond to their neighbors. Reach out to your distribution systems, reverse calling system websites and social media to reach our audiences. Reach out to clients and assure them that all steps possible are being taken to protect property. Encourage them to follow all directions given by emergency responders, provide them with the best information resources available to stay up to-date and wish them well. Take a breath and confirm your message has a calm and organized tone prior to sending or posting it. It should only take a few minutes to draft a general response and distribute it to clients. If you do not have access to a computer or wireless device, utilize your colleagues and resources in other parts of the county so that they can assist you with reaching your clients.

boards to let them know what steps you are taking and offer suggestions to help them fulfill their responsibilities.

In addition to your initial response and property assessment, continue to utilize your email system and social media to update the community. Set expectations by providing reasonable timelines for restoring the community. If a week has gone by and you do not have an update since the last communication, a statement confirming that you continue to work on things will go a long way. Once tasks have been accomplished, be sure to communicate your successes as well.

Residents need to know that they are a priority. Leadership and communication will be the key to bringing the community back together.

Continued Education and Support As things settle down and resume normalcy, reflect on the events and use them as an opportunity to learn and grow. Reach out to emergency responders and ask them to assess the community and your procedures. They may have suggestions to help the community better prepare in the future. Invite them to meet with residents to answer questions and provide tips for emergency preparedness.

Disseminate information to residents, such as literature from local officials and procedures for joining local emergency networks.

It will also be important to document everything associated with the recent Continued on page 10

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LEARNING FROM DISASTER Continued from page 9

Ask for Help – You are Not Alone Portfolio managers continue

disaster and create a file that

CAI -SAN DIEGO

Wine Night at Vintana Wine + Dine

will be easily accessible. This file

to have competing tasks and

can be referenced as you finalize

responsibilities. While working with

restoration projects as well as

a client who suffered loss, you may

serve as a resource in the event of

have other clients who expect you

future disasters. Before closing this

to keep up with business as usual.

chapter in the book of community

Be sure to manage your portfolio

management, consult with

accordingly. If you anticipate

colleagues. Share your experiences

missing a deadline due to the

and brainstorm ways to be better

disaster at hand, communicate this

prepared. Create a checklist for

to clients, vendors and colleagues.

managing disasters and keep it

Your clients may need you, but you

readily available for the next event.

may also need some relief. Do not

If you have been fortunate enough

hesitate to ask for help and do not

to avoid the disaster, pick the

hesitate to offer your assistance to

brains of others who lived through

colleagues in need. We are all in

it. Encourage them to share their

this together.

experiences and what they learned.

FRIDAY, JULY 19, 2015 6:00 - 9:00 PM

You never know when the next disaster may strike, and you may find yourself on the brink of it.

Jean-Marie Salvia, CCAM, PCAM is a Vice President for Walters Management.

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Four Ways to Help Residents Prepare for Disaster

BY BYRON METTLER, CMCA, AMS, PCAM

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A

s HOA managers, our authority is limited when it comes to handling major disasters. We manage homeowners associations. We collect assessments, take care of barking

dog calls, fix fences, set budgets, hold meetings and host holiday parties.

Employees are not first responders. HOAs do not have an evacuation shelter, a communications hub or an animal rescue site.

There are some exceptions in rural communities, but in most large cities HOA employees are not trained or equipped to be lifesavers or rescue personnel.

Organizing a disaster preparedness event is one of the most effective ways to not only educate homeowners, but also to prepare yourself in the event of an emergency or disaster.

The best thing a manager can do for residents is provide up-to-date information on how best to prepare in advance for a major disaster. Organizing a disaster preparedness event is one of

speaker. Make sure you have a good

the most effective ways to not only educate homeowners, but also

sound system and a comfortable

to prepare yourself in the event of an emergency or disaster.

meeting location to accommodate your guests.

Where should you start? Here are four important steps to planning your own successful disaster preparedness event:

Event Checklist:

Organize, Advertise & Don’t Hesitate to Ask To ensure a successful preparedness event, you should set a

•

Set the date.

•

Develop a list of emergency organizations to contact.

tentative date at least four months in advance. Contact some of •

your key first responders, such as the American Red Cross, the

Write a one-paragraph press

local fire department, law enforcement officials and the Burn

release about your event. The

Institute and ask if they are available. Once you have a firm date,

following sample can be used

expand your search for participants to include retail stores that

as a guideline:

sell survival rations and emergency equipment. Look for business partners who will sponsor your event and provide free giveaways

The Community Association of Happy Hills is planning a free event for

and samples.

our 10,000+ residents to help members

Create a colorful flyer with a catchy title and photo of a disaster in progress. If the focus of your event is fire preparedness,

prepare for a fire or major disaster.

The event will be held on Saturday,

insert a photo of a burning house. If tornados are your concern, paste in a photo of a dark, cobra-like tornado. Colorful graphics

September 13, 2015 from 10:00AM -

will grab the reader’s attention.

1:00 PM. Our goal is to have representatives

Be sure to remind your speakers and vendors well in advance of the event date. Expect a few to drop out at the last minute and

from the Burn Institute, Office of

have a backup plan in mind.

Emergency Services, SDG&E, American

If you are having trouble finding a good keynote speaker, considering showing a video instead.

Often it is easier to set up a round table question and answer session with emergency responders rather than to recruit a great

Red Cross, Your Fire Department, Your Police Department, Neighborhood Watch, National Forest Service and others.

Continued on page 14

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NEW LAWS ON THE HORIZON Continued from page 13

FIRE! EARTHQUAKE! FLOOD! Continued from page 13

I would like your help in providing information on (fire

include: inexpensive flashlights, small first aid kits, emergency food, and American Red Cross radios. The purpose of the door prize is to provide members with one survival item to

prevention, tornados, hurricanes, floods). We are still in

inspire them to compile their own “go bag”. Two complete

the planning stages, but anticipate a good turnout due

“go bags” can be purchased for about $50 each as major

to the recent (fires, tornados, hurricanes, floods) near our

door prizes to encourage participation.

community. Can you connect me with a good speaker who

Consider asking an American Red Cross certified

can present a video and short presentation about disaster

community member to participate and initiate discussion of

preparedness? Any help you can offer is greatly appreciated.

the purpose of each item in these “go bags”. Some items to include in your bags include:

•

Contact organizations who failed to respond to your

•

Copies of your important documents

first request. (Repeat this step several times.)

•

Cash

•

Create a list of confirmed participants.

•

Extra set of car and house keys

•

Order small giveaways. A suggested budget is $200-

•

Water and dried food

$400. Make sure every guest walks away with one

•

Flashlight

emergency preparedness item for their own “go bag.”

•

Light-weight, waterproof blankets or plastic ponchos

•

Confirm the room arrangements.

•

Matches

•

Submit press releases to local newspapers and online

•

First aid kit

social media sites.

•

Personal hygiene items

Order two or more banners to advertise the event.

•

Battery-powered or hand crank radio

Emphasize FREE door prizes.

•

Emergency whistle

Place the banners in your community three weeks

•

Duct tape

ahead of the event.

•

Moist towelettes

Confirm attendees two weeks before the event.

•

Plastic bags

•

Knife with can opener

•

Long sleeved shirt, long pants and sturdy shoes

• • •

Teach Your Members How To Prepare a “Go Bag” A “go bag” is a backpack filled with essential items you may need when you are forced to flee without warning.

Take Care of Members With Special Needs

A great way to get residents interested in your event is

Many associations have a large population of aging

to offer door prizes. Some items you may want to give away

owners who are not as mobile as they once were. You may

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want to tailor your event around the unique needs your members. Always remember not to cause undue fear but to give assurance and comfort that residents will be cared for if an evacuation is necessary.

Instruct your owners and their caregivers on the special equipment that is important in a sudden evacuation. Special equipment may

HOW TO HOST A DISASTER PREPAREDNESS EVENT

include: •

Narrow wheelchairs

•

Medications

•

Hearing aids

•

Glasses

•

Canes and walkers

Remember to Include Pets You would never be the same if you left Fido, Fifi or Rover home alone during a disaster.

Focus part of your disaster preparedness event around pets and other animals. Possible items that may be needed in the event of an evacuation where pets are involved include: •

Leash, harness or pet carrier

•

Property fitted leather or nylon collar with a securely affixed license

•

Transportable containers with at least a week’s supply of water and food

•

Copy of current veterinary records, including rabies and wellness vaccination certificates

•

Pet first aid guide and supplies, including wound cleaning, dressing and bandaging material

•

Supplies to collect and dispose of pet wastes (e.g., plastic bags, scooper, cat litter, etc.)

•

Several recent photographs of the pet in

Plan your event at least four months in advance.

Schedule a three hour meeting on a Saturday morning or on a midweek evening.

Contact disaster preparedness organizations to ask them to participate. Organizations may include:

• Fire Safe Council

• Police Department

• Fire Department

• Animal Rescue

• Federal Emergency Management Agency (FEMA)

• American Red Cross

• Burn Institute

• Community Emergency Response Teams (CERT)

• Senior Volunteer Patrol Offer door prizes to increase attendance. Invest $300$400 on giveaways such as first aid kits, whistles, “go bags” and flashlights.

Advertise for the event.

• Post bold and attractive signs in your clubhouse.

• Make colorful banners to advertise your event.

• Ask your local newspapers to print a public service event notice.

• Get on related social media sites and spread the word.

case the pet becomes lost Disaster preparedness events benefit every member of the community and may be the most useful and rewarding meeting of your entire management career.

Byron Mettler CMCA, AMS, PCAM is employed

by PCM as General Manager of the Community Association of Bernardo Heights. He is also a retired police officer with experience as a first responder handling emergency and disaster situations.

Schedule a keynote speaker. This could be the fire chief, an emergency planning expert, or a local hero who survived a disaster.

Host a round table question and answer session with fire fighters, law enforcement, CAL FIRE and CERT team members.

Show a video.

Serve light refreshments for your guests and presenters.

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PREPARING FOR

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The Big

g One

BY BRIAN A. KALMENSON

IN CALIFORNIA, THE FIRST POTENTIAL DISASTER THAT COMES TO MIND for most people when considering disaster preparedness is an earthquake.

After all, California has twothirds of the earthquake risk for the entire country according to the California Earthquake Authority (CEA).

When it comes to preparing for disaster, one of the most commonly used tools to do so is an insurance policy. What better way is there to minimize impact from something like an earthquake than to shift the bulk of the financial impact onto an insurance company? Despite California producing over 100 earthquakes a day, CEA states that only approximately 10% of California homeowners and renters carry earthquake insurance.

How can this be!?

Continued on page 18

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THE BIG ONE...

Continued from page 17

Let’s examine some of the most common reasons that earthquake insurance is not seriously considered or ultimately purchased by many homeowners.

take that to the bank.

“It’s too expensive.”

For most condominium owners, a properly written earthquake policy

Brendan Concannon Regional Account Executive 619-961-6346 Toll Free 866-800-4656, ext. 7480 brendan.concannon@mutualofomahabank.com

will range from $175-$400 per year, depending on the coverage selected and geographic location of the condominium.

Some areas of the state will inevitably be more expensive if the area is a more earthquake prone, but the more likely an area is to have an earthquake, the more reasons there are to carry the coverage.

When it comes to earthquakes, resulting damage is typically not small, so a $400 insurance policy is extremely inexpensive

Member FDIC Equal Housing Lender

mutualofomahabank.com AFN45863_0813

compared to a completely uninsured earthquake loss.

“My HOA doesn’t carry earthquake insurance, so what’s the benefit of me having it?”

The reality is that most condominium communities do not carry earthquake insurance, which is another reason that

Effective General Counsel

Successful Assessment Collection • • • •

Timely Status Reports Responsive Paralegals Collectibility Analysis Judicial or Non-Judicial Foreclosures • Money Judgment Lawsuits • Small Claims Assistance • Post Judgment Recovery

all owners should consider obtaining coverage. Arguably, the most important aspect of any personal earthquake insurance policy is called “Loss Assessment”. This is the coverage that will pay, after deductible, up to $75,000 of an association’s special assessment to fix earthquake damage.

To highlight the importance of this coverage, let’s take an example of a 200-unit condominium complex that

• • • • • • •

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does NOT carry earthquake insurance.

If the community sustains $8,000,000 in damage from an earthquake, its CC&Rs will almost certainly provide the direction that the association can special assess all 200 unit owners equally for the uninsured loss. This would be an assessment of $40,000 per unit!

ssl_CAI_0210:Layout 1

With a personal earthquake policy, “Loss Assessment” coverage can be purchased up to $75,000 with a deductible of $11,250

1/19/10

10:23 AM

Page 1

Improving more than just your property.

(15% of the coverage limit). For any owner with this coverage, that $400 policy would save them $28,750 on that special assessment.

Another benefit of the policies not commonly thought about is “Loss of Use” coverage that can provide up to $25,000 for additional living expenses if a home is

S TEVEN S MITH L ANDSCAPE I NC .

not livable after an earthquake. This can cover items such as meals out, hotel stays, and other living expenses while the unit is uninhabitable. This coverage carries no deductible, which is a nice added benefit.

“Doesn’t personal earthquake coverage

From installation to maintenance, Steven Smith Landscape Inc. provides every landscape need.

cover just my personal property?”

Specializing in HOA landscape maintenance, we improve curb appeal and enhance your overall HOA experience. In partnership with management and the Association, we bring clear, concise communication, quick response and project satisfaction.

No! While condominium owners can purchase up to $100,000 for personal

For your larger landscape needs, our full service construction division can meet your needs.

Our reference list includes Poway Unified School District, City of Escondido, City of Santee, City of San Marcos and U.C.S.D.

property coverage, the policies also have up to $25,000 in coverage for the structural portions of the unit interiors. This

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includes items such as built-in appliances,

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fixtures, some improvements, flooring, as well as other permanently installed items within the home.

the coverage offer at least

else that a person will purchase,

$75,000 in coverage?

not fully understand, and hope

Does the policy provide loss

to never use. It is very important

of use coverage for situations

that all owners understand the

where the owner needs to

available options for earthquake

certain types of loss from standard

relocate while repairs are

protection, especially in California,

insurance policies. These losses are for

made?

which is the state with far and

“Doesn’t my regular policy provide earthquake coverage?”

Virtually all insurance carriers exclude

•

incidents such as earthquake, earth movement and flood (where water

away the most earthquake risk in Preparing for disaster is not one

the country. Purchasing a personal

intrusion or mudflow into a unit occurs

of the most cheery activities that

earthquake policy may not seem

from instances like tidal insurgence).

homeowners do on a daily, weekly,

like a worthwhile investment now,

Although a very select few personal

monthly or yearly basis, but it is a

especially in light of the lack of

lines insurance carriers may extend

necessary evil to ensure the proper

major seismic activity since the

earthquake coverage on the primary

protections are in place under

1990s, though the protections

property and liability policy, it is important

the worst case scenario. Similarly,

provided far outweigh the premium

to verify the following:

reviewing and purchasing insurance

costs.

•

•

Does the policy provide dwelling

is not amongst most peoples’

coverage for the structural portions

favorite activities either, though

of the interior?

disaster preparedness and insurance

Does the policy provide personal

go hand-in-hand.

property (contents) coverage?

•

Brian A. Kalmenson is a Commercial Insurance Specialist with the Michael Abdou Insurance Agency, Inc., which provides insurance programs for community associations throughout the state of California.

Insurance is among the most

Does the policy provide loss

unique purchases that any person or

assessment coverage? If so, can

business makes. There is very little COMMON ASSESSMENT MAGAZINE

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SPRING 2015

19

DISASTER PREP:

Are You Ready?

BY MARIE G. DONOVAN

When and how you prepare for a disaster depends on where you live in Southern California. Are you in an area more susceptible to specific hazards such as earthquakes, fires, floods and landslides? Does your property have any unique problems of its own? For example, the 2003, 2007 and May 2014 fires are reminders of how so many areas of San Diego are vulnerable to fire.

20

SPRING 2015

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COMMON ASSESSMENT MAGAZINE

L

iving in a homeowners association (HOA) magnifies

County, the state and other government agencies regarding

dealing with these types of situations many times

disaster preparation. The selection of emergency planning

over compared to living in a single-family residence.

publications and other website resources (see websites

Every community is different. Conditions specific to your

below) includes detailed planning guidelines, checklists and

HOA will influence how you approach preparing for a

sample tools. Consider using information and advice on:

disaster. Use your answers to these questions to define your

• Emergency supplies

community and start developing a plan tailored toward its

• Emergency family communication plan

specific situation.

• Shelter-in-place or evacuation plan

• Brush clearance, defensible space and fire resistant

have? What is its total acreage and what amenities and

• Roadway access, visibility and escape routes

other structures does it have? The larger the development,

• Earthquakes – what to do before, during and after

and the more units and amenities, means more complex

• Homeowner’s checklist for a fire safe home

planning.

• Home fire and burn prevention checklist

SIZE How large is your HOA? How many units does it

construction

LOCATION Where is it located? Urban high-rise buildings,

Use your analysis of your community’s specific situation,

suburban townhouses, condominiums, and planned unit

its existing internal information, and these additional

developments (PUDs) of single-family homes all require

resources to build a preparation plan that you can use

different planning for a disaster (i.e., fire prevention planning

before, during and after any disaster. To do this and insure a

for a high-rise structure vs. homes or condominiums in a

positive outcome:

Wildland-Urban Interface).

• Include all these elements in a written emergency communication plan. Also, identify who will contact

DEMOGRAPHICS What is the make-up of your community?

residents during an emergency (i.e., board members

Are the residents comprised of owners, renters or part-

or a safety committee) and how they will make that

time residents? What is the age range mix? Are there

contact.

young families, elderly or disabled households? What are

• Communicate the plan. Distribute the plan using

their communication preferences? What methods are more

the communication options available within your

effective in getting their attention and a response? Planning

association and residents’ preferences. Some

requires that the needs of all are considered.

effective options for this are email newsletters;

To get started, gather any information currently available

regular, special open forum meetings; and annual

within your association. Use it to answer some of these

meetings. Other options include a community

questions in identifying your community’s specific needs.

website, email blast, mobile text or regular mail - if

Information to look for should include:

the association’s technology is limited.

• Updated owner/resident directories listing all

available contact information (i.e., addresses, phone

by your local fire authority. Comply with their

numbers and emails)

• Condominium plan map: Showing the development’s

requirements.

• Prepare an evacuation route or shelter-in-place plan

• Identify specialized association equipment

physical layout with all units and other structures identified

• Map of utility and emergency equipment: Gas, water and electrical shut-off locations, fire hydrants and

• Arrange for an annual fire safety audit conducted

(provided by the local fire authority). available for emergency use (i.e., pool water pump, generators).

hoses, emergency exits and any other safety features

• Contact list of emergency service providers: Local fire department, police and sheriff stations, hospitals

Expand on Your Association’s Available Internal Emergency Information

Marie G. Donovan is currently completing third term as president of her homeowners association and has been involved with the CAI San Diego Chapter as a homeowner volunteer since 2001, serving as the 2013 Chapter President.

Follow-up and add resources developed by San Diego

COMMON ASSESSMENT MAGAZINE

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SPRING 2015

21

BEFORE DISASTER

What Homeowners Should Know

22

SPRING 2015

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COMMON ASSESSMENT MAGAZINE

BY ELAINE GOWER

w About FEMA

THERE ARE MANY WAYS WE CAN PROTECT OUR HOMEOWNERS ASSOCIATION (HOA) COMMUNITIES and individual homes prior to a disaster occurring. While there are different types of disasters depending on where you live, California is most prone to earthquakes, floods and fires.

It is important for communities to have a “before, during and after” emergency plan.

Continued on page 24

COMMON ASSESSMENT MAGAZINE

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SPRING 2015

23

BEFORE DISASTER STRIKES Continued from page 23

Savvy managers and homeowners look to long-term safety plans for their communities and residents well before a disaster strikes. Communities and residents should know what steps to take when preparing for a disaster.

Earthquakes usually come with no warning. Floods and fires are a little more predictable, giving residents and managers more of a warning before disaster strikes.

There are many agencies that can help along the way when preparing a disaster plan. The Federal Emergency Management Agency (FEMA) is one of the largest and well known of these agencies. FEMA can assist with putting a disaster plan in place and ultimately help to protect homes and communities. The organization works

Are you staring at major repairs?

with communities across the nation

you will need for your disaster plan is

to help homeowners not only create

a disaster kit. Your kit should be in one

new plans and put them into practice,

container so it is both portable and

but also respond to disasters once

easy to grab. The kit should contain

they have struck in a community. They

an array of basic items such as water,

also work to support citizens and

non-perishable food items, medication,

first responders – helping to protect

flashlights, radios, blankets, cash,

against, respond to, recover from and

matches, candles, and any other items

mitigate damages.

needed in an emergency. Keep your list

How else can FEMA help? FEMA

to a reasonable amount. Remember:

offers programs like the Community

You don’t have enough space to pack

Emergency Response Team (CERT).

the whole house! A kit should contain

This program promotes disaster

provisions to last at least 72 hours.

preparedness education and informs

Since you may not be at home when

community members about disasters

a disaster occurs, it would be helpful

that may impact the area. This may

to have a few different kits prepared.

include earthquake, fire and flood

Possible locations for these kits include

education, among others. The CERT

your work office, home or vehicle.

program trains participants in the event of a basic disaster, giving them the

Knowledge of Local Shelters

knowledge to assist with fire safety

You should also consider various

management and light search and

other items when setting your plan. Do

rescue organization, among others.

your family members require special

With these skills a layperson would be

attention? Do you have pets? If you

able to assist neighbors and others in

have pets, make a kit for the pet – they

the event of a disaster.

need to survive too. Some shelters do

What should a homeowner

not take animals; therefore you should

consider when assembling their

plan ahead and locate a shelter that is

disaster plan? The following are

pet friendly. Know your options before

three of the most important things

disaster strikes.

to consider when planning for an emergency:

Association managers should have a similar plan for their community homeowners. How will buildings be

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24

SPRING 2015

|

How will your family communicate

evacuated? A plan should be set in place beforehand to ensure that

when disaster strikes? A family plan

homeowners and tenants are educated

should consist of where to meet and

or informed about evacuation routes

how to reach family members who are

and procedures. What if an earthquake

unable to make it to the designated

strikes? These same homeowners

meeting spot. Before an emergency

should know where to remain in a

situation, families should choose a

building if a disastrous event such as

friend or out-of-state family member

an earthquake occurs. Local fire and

to reach in the event of an emergency

police departments, as well as the

and create contact cards for each

American Red Cross all offer resources

family member. The FEMA website has

that aid in putting together a personal

many other helpful ideas to ensure

emergency preparedness program.

your plan of communication is well laid

Property managers should have listings

out and effective.

of insurance agents and other local

Easy-to-Access Disaster Kit One of the most important things

COMMON ASSESSMENT MAGAZINE

agencies in an easy-to-access location.

All residents should be given

pertinent emergency preparedness information upon move-in. Association managers will also want to update residents in writing, on an as-needed

TESTing

Save Time & Energy.

REpaiR inSTallaTion

basis, when information changes. It may also be worth re-distributing this information annually to ensure it doesn’t get lost in the shuffle as time goes on.

There are many things that can rob your time and energy while managing communities.

Backflow Testing shouldn’t be one of them.

pRoTEcTion EmERgEncy SERvicE 24/7

Serving San Diego county for 32 years.

While we never know when a disaster will strike, being prepared is a key component to making things less stressful in the event of a disaster. For more information visit www.fema.gov

Elaine Gower is the Director of Client Development at The Naumann Law Firm, PC a law firm representing single and multi-family homes, homeowner associations, high/mid rise condominiums and commercial property owners in construction defect litigation.

Pacific Backflow

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SPRING 2015

25

New & Renewing Members Welcome new chapter members!! Thank you to our chapter members that have renewed their CAI membership.

We appreciate your continued support and participation in our chapter.

NEW MEMBERS Artistic Solutions Landscaping...................... 1/16 Avalon Management Group, Inc................... 9/15 Beck, Leanne................................................... 1/16 Bemus Landscape, Inc................................... 4/16 Bloomberg, Jonathan.................................... 1/16 Boyce Lee........................................................ 1/16 Castro Victor................................................... 1/16 Chandler Greg................................................ 1/16 Daniels Marc................................................... 3/16 Denniston Brad............................................... 3/16 Derry Kenneth................................................. 2/16 Desilets Eileen................................................ 1/16 Duenas Benna................................................. 3/16 Elite Enforcement Security Solutions, Inc.... 3/16 Farmers Insurance.......................................... 4/16 Figley Ryan...................................................... 1/16 First Citizens Bank.......................................... 3/16

Gonsalves Frances.......................................... 2/16 Gonzales Christina ......................................... 3/16 Harper Pamela ............................................... 3/16 Kiley Christie................................................... 1/16 Kitterman Sharon............................................ 2/16 Leloup Xavier.................................................. 2/16 Marcano Jeannie............................................ 4/16 Mooney Adrienne........................................... 3/16 Moulton Cheryl............................................... 2/16 Oblak Sandrine............................................... 4/16 Ordway Cherie................................................ 3/16 Pacific Premier Landscape, Inc...................... 1/16 Pasenelli Nikki................................................. 1/16 Porter Autrey.................................................. 3/16 Rocco Tina...................................................... 3/16 Schwertly Gary................................................ 2/16 Shields Jay Todd............................................. 3/16

Silvergate Bank............................................... 2/16 SimaTree Consulting, LLC.............................. 1/16 Steinbock, CMCA Joshua.............................. 2/16 Stevens Despo................................................ 2/16 Storm Water Inspection and Maintenance Services...................................................... 2/16 Terminix International................................... 11/15 Villani Ryan...................................................... 3/16 Williams Brian ................................................ 3/16 Williams Kathy................................................. 2/16 Winter Steven................................................ 2/16

Dmytrenko Vlady............................................2014 Donaldson Robert..........................................1992 Doria John.......................................................2013 Eagle Glen Master Homeowners Association................................................2009 Eggleston Hunt...............................................1991 Elliot Katzovitz Insurance Agency.................1999 EmpireWorks - Reconstruction and Painting......................................................2004 Epsten Grinnell & Howell, APC.....................1986 Faumuina, CMCA Macy.................................2014 Feist, Vetter, Knauf & Loy...............................1978 Fennell, CMCA Robin....................................2009 Ford, CMCA Richard......................................2007 Fraker, PCAM James......................................2006 Frost, CMCA Dewayne...................................2009 Gerner Jennifer..............................................2014 Goldstein, CMCA Kami..................................2013 Gonzales, CMCA Christine............................2013 Graham, CMCA, AMS, PCAM Lori...............2006 Graviss, CMCA, AMS Tara.............................2012 Greco Traficante Schulz & Brick....................2009 Green Bryant & French, LLP..........................2005 Greene Jeff.....................................................2008 Griffiths, CMCA, AMS, PCAM Deborah.......2006 Griswold, CMCA Sheri...................................2010 Groenewold, CMCA, AMS, PCAM Rebecca....2005 Hanson, PCAM Wayne...................................2006 Hauser Contract..............................................1997 Heaviland Enterprises, Inc.............................2006 Hemphill Sue...................................................2005 Heritage Landscape Services, Inc.................2011 Hill, CMCA Linda............................................2007 HOA Elections of California, Inc...................2006 Hodge AMS, PCAM Chris.............................1991 Houston Debra...............................................2014 Houston Eileen...............................................2014

Hussey Rob.....................................................2013 Isaacson, CMCA, AMS, PCAM Lisa..............2007 Ivey Engineering, Inc......................................2012 Johnson, CMCA Kimberly.............................1977 Kaku Robert....................................................2014 Kanan Linda...................................................2014 Kasdan Weber Turner LLP.............................2011 Kepler Chester................................................2010 Keystone-Inland, Inc.......................................1991 Kim, CMCA, AMS Jamie................................2007 Kindig Pamela.................................................2010 Klima Nadya....................................................2006 Konstanzer Arlyn.............................................2014 Korody Amber................................................2006 Kratz Tina........................................................1991 Kratz Hugh......................................................2000 Kriger Law Firm...............................................2008 LandCare Logic...............................................2002 Lang, CMCA, AMS Tracy...............................2009 Lapthorn Mary Ann.........................................1998 Levine, CMCA, AMS Aaron...........................2013 Lindley Erin......................................................2013 Lindsay Management Services......................1980 Lloyd Pest Control..........................................2006 Mae Michael ..................................................2014 Marshall, CMCA Darryn.................................2013 Mary Minnier, CPA..........................................2007 McCaffery Reserve Consulting......................2005 McGlockin Cheryl...........................................2005 McLaughlin Therese.......................................2014 Medley Karen..................................................2009 Michaels Donald.............................................2006 Miller Floyd.....................................................2014 Miraglio Rosemarie .......................................2010 Morgan Kathleen............................................2012 Murrey, CMCA McKenzie...............................2006

RENEWING MEMBERS 360 Community Management.......................2014 Aegerter, CMCA Alan....................................2006 Afkhami, PCAM Sabrina.................................2006 Alliance Association Bank..............................2008 AlliedBarton Security Services.......................2011 Anderson Sigvard D.......................................1992 Animal Pest Management Services, Inc.......2008 ARK Management..........................................2010 Arvizu, CMCA Deena.....................................2013 Associations Insurance Agency, Inc..............2009 AT&T Connected Communities....................2011 Baker, CMCA Deborah..................................2005 Bargas, CMCA Nicole...................................2010 BELFOR Property Restoration.......................2013 Bice, CMCA, AMS Jerry.................................2007 Blostin Steve...................................................2014 Boisvert, CMCA Linda....................................2010 Brinks Group...................................................2006 Brustkern, CMCA Sheila................................2006 Camp Becky....................................................2013 Camp Katy.......................................................2008 Casselman Steven..........................................2010 CertaPro Painters ...........................................2011 Champagne Dorothy.....................................2009 Chandler, CMCA Patricia...............................2013 Christian Susan...............................................2010 CINC Systems.................................................2008 CiraConnect....................................................2014 Cirillo................................................................2006 Clark Pest Control..........................................1996 Colgan Becky..................................................2013 Complex Managers, Inc.................................2014 Cumberworth Lon..........................................1998 Demoranville, CMCA David..........................2013 Design Build Associates................................2007 Dillingham and Associates............................2009 Diversified Asphalt Products, Inc..................2014

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COMMON ASSESSMENT MAGAZINE

July 11, 2015 • Help CAI and Feeding America Bring Meals to Needy San Diego Families CAI members, family and friends will gather at Feeding America’s warehouse to sort, clean, bag and box food before it is distributed to disadvantaged families throughout our community. This event is FREE to all but you must register online to attend!

Register at www.cai-sd.org, click on Event Registration

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BRAND

Mutual of Omaha Bank - Community Association Banking & CondoCerts........2000 Nevarez, CMCA, AMS Jimmy........................2013 Nickell CMCA Melodie..................................2013 Niles Walter.....................................................2014 Nissho of California, Inc.................................1996 Oaks North Villas Condominium Association................................................1991 OCBS, Inc........................................................2006 Pacific Backflow Company, Inc......................2009 Pacific Green Landscape, Inc........................1988 Park West Landscape Management.............2010 Penzes, PCAM Peter......................................2005 Pernicano Realty Management Company...1994 Peters & Freedman, LLP................................1997 Peterson, CMCA Thomas..............................2013 Phillips Ted......................................................2014 PWLC I, Inc......................................................2012 Quality Property Maintenance......................2014 Quinn Terrence...............................................2014 R & D Pest Services, Inc.................................2009 Raymundo, CMCA Christian..........................2013 Rice Louella ....................................................2010 Richardson Hale..............................................2002 Rodent Pest Technologies.............................1998 Runsvold, CMCA, AMS Erik...........................2013 Rutherford Marilyn..........................................2005 Samocha Larry................................................2005 San Elijo Hills Community Association.........2002 Sandoval, AMS Asael.....................................2006 Schwartz Susan...............................................1990 Servpro Industries...........................................2010 Sharon Seth.....................................................2014 Sheldon, CMCA Andrew................................2013 Shipp CMCA, AMS, PCAM Cori...................2006 Silldorf & Levine, LLP.....................................2004 Southern Cross Property Consultants..........2012 Steven G. Segal Insurance Agency, Inc., Farmers Insurance Group.........................2003 Stewart, PCAM William..................................2005 Stilley Sally.......................................................2005 Stratus Management......................................2006 Tanjuakio Katrina............................................2014 Terrel Peggy....................................................2005 The Naumann Law Firm.................................2012 Thompson Jim................................................2005 Thompson Frank.............................................2014 Tierra Verde Resources, Inc...........................2011 Tillmond Rita...................................................2014 Transpacific Management Service................2012 Vaca Debra......................................................2014 Vagadori Gerri Ann.........................................2013 Van Druten John.............................................1998 Varsity Painting...............................................2009 Vongphosy Annie...........................................2013 Wagner, CMCA Janet....................................2006 Western Towing..............................................2000 Western Tree Service......................................1988 Yakely Helen....................................................2006 Zajaceskowski Alicia.......................................2014

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COM 18585 p4c CalAPADir v5.indd 1 MON ASSESSMENT MAGAZINE

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S P R I N G 2 0 1 52/5/15 1:3427 PM

Emergency P High Rise Ass

By Bill Lawrence, CAPS, CCAM

Managers of residential buildings have to wear several hats.

Besides managing the association, they should be informed leaders for security, maintenance and cleaning operations, experts in administration and finance, as well as skilled communicators.

One of the most important responsibilities a manger has is to protect and assist residents and staff in a worst-case scenario.

Preventing or anticipating a disaster (if possible) requires a clear understanding of the specific steps required by management, staff and residents to keep everyone as safe as possible.

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COMMON ASSESSMENT MAGAZINE

Planning in a sociation Create an Emergency Plan An Emergency Plan should not be kept in a file or a bookcase, but should be distributed to the staff and residents.

be transferred to a plan that a residential property’s onsite staff and residents would understand and implement.

From that original emergency plan, a

Most high-rise buildings have websites.

plan was created and later used by the

These can be used to effectively distribute

National Apartment Association (NAA). The

an emergency plan. Although there are

plan still wasn’t perfected; titles, roles and

“boiler-plate” plans that meet the local fire

emergency jargon required explanation.

department requirements, a customized

As the years passed, my own experiences

plan for your property is the best option.

led to more changes and an emergency

The only person who has the knowledge

plan was developed specifically for

and ability to customize your plan is you.

property managers, association managers

Where should the thought process

and support staff. This revised plan used

start? Referencing plans created by

common verbiage that “regular” people

another manager or customized for a

understood.

nearby building will provide you with a

This new plan incorporated several

starting point. In many areas, the local fire

chapters for each type of potential

department or county provides sample

emergency, so that appropriate information

plans.

could be found quickly in the event of

While working on my first plan, I

an emergency. These chapters include:

managed a portfolio of large apartment

Fire, Earthquake, No Electricity, No Gas,

properties. I used the county’s Emergency

Terrorism, Water Events, Intruder and

Preparedness Plan as an example. The plan

Hazardous Materials. These subjects are

was generic in nature and gave specific

relevant to most residential high rises, but

titles to specific functions. While a safety

should be tailored to your location and

department of a large company could

unique building needs.

easily implement this plan, it could not

Continued on page 30

COMMON ASSESSMENT MAGAZINE

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SPRING 2015

29

EMERGENCY PLANNING

Landscape Maintenance & Enhancements

Continued from page 29

Consider the following example

Irrigation Maintenance & Installation

chapter on “Fire” when creating your own emergency manual:

Water Conservation & Management

Fire, Smoke, and/or Rapid Combustion Emergencies

Turf Management

Commit to working smarter, not harder.

Turn over a new leaf and contact us today.

Brush Management

Fire Control – The Fire Control Room is located off the lobby. In an emergency, the Fire Department would

Tree Care Management

www.PacificGreenLandscape.com

make this their Operations Center. This room has several panels, equipment, and plans to include:

• Fire alarm and fire alarm troubles

• Sanitary and storm pump alarm

• Fuel spills – fire and emergency

• Reservoir level of the

• Spare parts for emergency

• Elevator floor indicator and

generator tanks underground tank sprinkler head repair

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keyed operator to drop elevators to the ground floor

• A generator indicator panel for the emergency generator

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Specializing in Community Associations for 40 years We have performed over 8,000 audits/reviews and 6,000 reserve studies, working with almost 100 management companies throughout California.

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Audits, Reviews & Compilations - Per the AICPA Audit & Accounting Guide for CIRAs. Each audit is supplemented by a Financial Advisory Letter for the Board and Management.

Tax - Forms 1120/1120H, 100, 199 - Our goal is to prepare the return that provides the lowest tax with minimal risk.

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• An emergency ventilation indicator panel

• Fireman’s red phones

• Architectural Plan

• Fire Alarm Plan

• Sprinkler System Plan

• First Aid Kit

• Key box When a sprinkler is activated,

whether by accident or by detecting sufficient heat, several actions will automatically occur. The fire pump will automatically begin to deliver water under high pressure in response to a pressure loss occurrence; as in, firesprinkler head activation will occur.

The firefighting systems and equipment includes the automated sprinkler systems, fire extinguishers in common area locations, ventilation controls, elevator lobby doors which shut, a strobe and an announcement system in every unit and most common

30

SPRING 2015

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COMMON ASSESSMENT MAGAZINE

areas, in-unit smoke detectors, exterior

flow of water and call for help. So it

exercise during lunchtime and have

fire hose connections, and a diesel

goes from one floor, to another and

on-site residents evacuate to an

driven fire pump.

another. You know the drill, the stress,

assembly area where hot dogs and

the time and money spent.

hamburgers can be provided for lunch.

If an alarm is heard – staff and residents should remain in place until

In this type of emergency, most

Have you tested the emergency

otherwise notified. The automatic

residents want to help but do not know

generator’s Automatic Transfer

announcement will initially notify

how to react. Providing them with an

Switch? Will the generator power any

residents in certain zones to evacuate.

emergency plan is a simple way to

type of equipment needed? While

Be alert to subsequent announcements

include them and potentially prevent

testing equipment, you might find

as there may be a number of reasons

a lot of unnecessary water damage.

that someone plugged the breakroom

the announcement may occur. If

Building staff should also be trained on

refrigerator into the emergency power

there is a false alarm, the staff or

what actions to take for each type of

outlet, or plugged the access control

fire officials should make a clarifying

anticipated emergency.

computers into the non-emergency

announcement.

While most residential managers will never need to contend with a fire, accidents are likely to occur. For example, a resident could hang their

Each type of anticipated emergency should have a separate plan, customized to your building.

Know Your Plan Works

power outlet. Know your building, especially in case of an emergency.

How will you evacuate residents with pets? Are the current evacuation routes and assembly area up-to-

clothing from a fire sprinkler, break the

Few individuals plan exercises

globe and start the pressurized release

to actually evacuate a residential

announcements? Each member of the

of water. Alarms will sound and if

building. As members of a residential

staff should know their role in the event

someone is on duty, they will likely race

management team, planning for

of an emergency.

to your Fire Control Room to find the

an evacuation is necessary. This

alarm source. Neighbors below the first

takes considerable forethought and

resident will soon start to see a steady

communication. Plan an emergency

date? Who will make emergency

Inspect emergency lighting and even consider extending an invite to Continued on page 32

Continued on page 32 COMMON ASSESSMENT MAGAZINE

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SPRING 2015

31

Thank You to Our May Morning Program Sponsors

Looking to Improve Your Current Pest Control Program?

San Diego Alta Roofing & Waterproofing, Inc. AMS Paving Inc. Bald Eagle Security Services, Inc. Epsten Grinnell & Howell, APC NPG-Nelson Paving Payne Pest Management Reconstruction Experts, Inc.

Competitive pricing with no gimmicks.

Just quality, affordable pest and termite control.

(619) 584-6794 www.mthelixpestcontrol.com

North County Alta Roofing & Waterproofing, Inc. AMS Paving Inc. Black Diamond Paving Epsten Grinnell & Howell, APC JW Cleaning & Restoration ProTec Building Services Reconstruction Experts, Inc.

EMERGENCY PLANNING Continued from page 31

the local Fire Marshall.

Although this is a lot of work, you will know what functions properly and what needs adjustment. Being prepared takes time, but not being prepared could have serious – even deadly – consequences.

Bill Lawrence, CAPS, CCAM is the GM of the Pinnacle Marina Tower, for the Prescott Companies in San Diego. He retired from the Army with considerable experience in training and planning for Special Operations Forces. Following his career in apartment property management, he has been managing high-rise associations for the past seven years.

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Construction, Carpentry & Paint t Serving All of San Diego County SERVICES INCLUDE t Termite Damage Repair t Patio Covers t Dry Rot Repairs

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t Painting

t Stucco and Drywall Repair

t Resurfacing of Waterproof Coatings

t Windows and Doors

FREE ESTIMATES (760) 458-7500 32

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info@horizon-carpentry.com

Thank You to Our February Morning Program Sponsors San Diego Alta Roofing & Waterproofing, Inc. AMS Paving Inc. Bald Eagle Security Services, Inc. Black Diamond Paving Brad L. Stoner Painting Inc. Epsten Grinnell & Howell, APC Reconstruction Experts, Inc.

North County Alta Roofing & Waterproofing, Inc. AMS Paving Inc. Black Diamond Paving Epsten Grinnell & Howell, APC Pacific Western Bank ProTec Building Services Reconstruction Experts, Inc.

Our Services:

• Asphalt Repair, Patching & Crackfill • Asphalt Removal & Replacement • Grading and New Paving • All types of Slurry Seals, Pavement Coatings and Striping

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amspaving.com License #415436

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SPRING 2015

33

Preparing a Family Emergency Plan

R

esolve now to make sure your family has a plan

ever need to evacuate your home for any length

in case of an emergency. Before an emergency happens, sit down together and decide how

of time.

• Choose an out-of-town friend or relative as an

you will get in touch with each other, where you will go

emergency point of contact. The reason this is

and what you will do in an emergency.

important is that it may be easier to make a long

Why is this important? Families may not be

distance phone call than to call across town, so

together when an emergency happens, and if you have

an out-of-town contact can help communicate

a written family emergency plan, then you and your

among separated family members. Be sure

loved ones will be better able in every way to handle an

everyone in your family carries the phone

emergency.

number for that person.

Here’s what to do:

• Talk about the types of emergencies that could

providers how they will communicate with families during a crisis. Ask if they are prepared

happen to you – include weather emergencies

to “shelter in place” if needed and where they

and other natural disasters and human-caused

plan to go if they must leave.

situations.

• If you are a parent, ask your schools and daycare

Write down your family emergency plan. You can

• Decide on a meeting place in case you cannot return home. Choose a neighborhood meeting

get a printable Family Emergency Plan worksheet at www.ready.gov/america/index.html.

place and another meeting place if you can’t get to your neighborhood. Also, if you have pets, choose a destination that accepts pets if you 34

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COMMON ASSESSMENT MAGAZINE

Developed by CAI based on information provided by the Virginia Department of Emergency Management.

Thank You to Our March 2015 CID Law Seminar Sponsors

MORNING SESSION Alta Roofing & Waterproofing, Inc. Silldorf & Levine, LLP

Proud recipient of CAI-San Diego’s 2012 “Business Partner of the Year” and consecutive 2009-2013 SDCAA “Mark of Excellence” Awards.

AFTERNOON SESSION Epsten Grinnell & Howell, APC ProTec Building Services

Call us today!

Thank You to Our Reverse Trade Show Sponsors

License No. PPO 15264

Putting the Agricultural Pest Control Services Alta Roofing & Waterproofing, Inc. American Geotechnical, Inc. American Technologies, Inc. Arborwell Bald Eagle Security Services, Inc. Clean Earth Restorations Dunn-Edwards Corporation G4s Secure Solutions USA Inc. Global Disposal JW Cleaning & Restoration LaBahn’s Landscaping Landsystems New Way Landscape & Tree Services NPG-Nelson Paving Pacific Backflow Co. Inc. Pacific Green Landscape, Inc. Payne Pest Management Prendiville Insurance Agency Rayco Reconstruction Experts, Inc. RSI Roofing SBS Lien Services Sunwest Bank The Kriger Law Firm The Naumann Law Firm, PC Western Towing

unity in community

At Walters Management, we believe in creating partnerships with the communities we serve by facilitating open communication and transparency in every aspect of our business.

your community our commitment SAN DIEGO

[800] 227- 6225

•

C H U L A V I S TA

•

CARLSBAD

•

M U R R I E TA

waltersmanagement.com COMMON ASSESSMENT MAGAZINE

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35

ADVICE FOR HOMEOWNERS

E

very year, thousands of Americans contend

with natural disasters – hurricanes, fires,

should obtain a claim number, and other contact

tornados, floods, earthquakes and even ice

information will follow as your property is

storms. Homeowners can be overwhelmed by the many decisions which must be made in the aftermath of these

assigned to an adjuster.

• Notify utility companies of any disruption of gas,

• If you sustained vehicle damage, contact your

• Determine if temporary measures are needed to

tragedies. While loss of life and property cannot be reversed, cautious and methodical action can prevent

water or electricity.

adding to the financial losses.

Immediate Actions

automobile insurer. protect against further loss. Tarps or plywood

• Identify actions which cannot wait. Do not

sheeting may be needed to protect damaged

confuse them with long-term recovery decisions to be made in the weeks and months ahead.

there may be many hazards in the rubble.

• Determine if temporary fencing or other measures are needed to make the property safe and secure.

36

roofs or walls.

• Take photographs before anything is moved,

• If you do not already have an inventory of your

• Use extreme caution before entering damaged structures. They may be structurally unsafe, and

• Notify your property insurance company. You

SPRING 2015

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COMMON ASSESSMENT MAGAZINE

changed, demolished or hauled away. belongings, make one as soon as possible, including the equipment, furniture and other personal property which was destroyed.

Displaced members of a community association should provide their

research. Caution is essential.

to focus on the extent of repairs

and hire a good contractor who

temporary contact information to the

with the appropriate state or

board or manager. HOA boards and managers should initiate frequent

• Confirm the contractor’s license

will work within the insurer’s

local government agency.

• Confirm that the contractor

cost guidelines.

• Seek bids from several

updates to inform all homeowners.

holds current insurance for

contractors, preferably from

Many boards will locate a temporary

liability, completed works and

those who have been in

worker compensation.

business for more than a few

meeting site.

Insurance Claims and Public Adjusters

win your business by promising

• Your property should be assigned a claim number and an adjuster by your insurance • Public adjusters are not paid by the insurance company, but will take a percentage of the money the insurer pays you. That percentage is not set by law, and is subject to negotiation.

• You may not need a public adjuster. Most insurance

years.

• Get the entire contract in

you will not have to pay them

writing. Do not accept any

the amount of your insurance

unwritten guarantees or

deductible. That suggestion

promises.

would be considered insurance

company.

• Some contractors may try to

fraud and should be rejected.

• Will the contractor agree in This information was extracted from a document developed by CAI Member Kelly G. Richardson, Esq., CCAL, a senior partner at Richardson Harman Ober PC. Mr. Richardson is also a Fellow of the College of Community Association Lawyers.

advance to accept what your insurer will pay for repairs, plus your deductible amount? Rather than arguing with the insurer over the amount of the repair cost, a better approach may be

claimants are able to process their claims without such assistance. Discuss this with your insurance broker or lawyer.

We take the pain out of pest control!

TH E HO M EOWNERS ASS O C I AT I O N EXPERTS

Banks It can seem impossible to pay for a temporary home and the mortgage loan payments on a destroyed residence, but do not be too quick to give up on your home. Contact your lender. You may be able to obtain

HONEST, RELIABLE AND PROFESSIONAL

relief—such as a temporary moratorium on payments (with the interest being added to the principal balance). Find out what your options are, since foreclosure will damage your credit rating.

COMMERCIAL BUILDINGS

Great Customer Service Damage Replacement Guarantee Real Estate Inspections $2,000,000 Liability Insurance Accurate Invoicing

Contractors You may need a contractor, and it is likely that many will contact you. After major disasters, contractors seem to be everywhere, soliciting repair contracts.

However, you need to do your own

SINGLE FAMILY HOMES

Toll Free 877.277.3970 www.paynepestmgmt.com

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Service Directory Display advertisers receive a complimentary listing in the Service Directory.

ACCOUNTANTS

Sonnenberg & Company Leonard Sonnenberg................ 858-457-5252

fax 858-457-2211 lens@sonnenbergcpas.com www.sonnenbergcpas.com

Please see our ad on page 30 Michael J. Ferrara Michael Ferrara......................... 619-698-4291

fax 619-698-3937 mjfcpa@juno.com

Please see our ad on page 39

ASPHALT REPAIR/PAVING

Greco Traficante Schulz & Brick, APC Peter Schulz, Esq. ..................... 619-234-3660

fax 619-234-0626 pjs@gtlaw.cc www.gtlaw.cc

Please see our ad on page 31 Kriger Law Firm Janet Wilcox. ............................ 619-589-8800

fax 619-589-2680 jwilcox@KrigerLawFirm.com www.KrigerLawFirm.com

Please see our ad on page 5

BACKFLOW

Pacific Backflow Company, Inc. Bill Coulter ................................ 800-603-4467

fax 760-639-4005 bill@pacificbackflow.com www.pacificbackflow.com

Please see our ad on page 25

COMMUNITY ASSOCIATION MANAGEMENT

AMS Paving Curtis Management Company, Inc. Liz WIlliams................................ 800-357-0711 Patrick S. Campbell, CCAM....... 877-587-9844

fax 888-357-0715

fax 858-587-9972 liz@amspaving.com pcampbell@curtismanagement.com www.amspaving.com www.curtismanagement.com

Please see our ad on page 33

Please see our ad on page 10 Diversified Asphalt Products Lou Moreno............................... 714-449-8666

fax 714-449-8660

Please see our ad on page 27 NPG – Nelson Paving Sharon Nelson........................... 951-940-0200

fax 951-940-9192 marketing@npgasphalt.com www.npgasphalt.com

Please see our ad on page 5

Community Legal Advisors Inc. Madeline Orey ......................... 760-529-5211

fax 760-453-2194 madeline@AttorneyforHOA.com www.AttorneyforHOA.com

Please see our ad on page 18 Epsten Grinnell & Howell, APC Jon H. Epsten, Esq. ................. 858-527-0111

fax 858-527-1531 jepsten@epsten.com www.epsten.com

Please see our ad on page 11

SPRING 2015

FINANCIAL SERVICES

Mutual of Omaha Bank / CondoCerts Brendan Concannon................. 619-961-6346

fax 888-493-1973 brendan.concannon@mutualofomahabank.com

ATTORNEYS

38

Walters Management Joe Farinelli, PCAM.................. 858-495-0900

fax 858-495-0909 jfarinelli@waltersmanagement.com www.waltersmanagement.com

Please see our ad on page 35

|

www.mutualofomahabank.com

Please see our ad on page 18 Pacific Western Bank Susan Abubo............................. 760-432-1335

fax 760-432-1339 sabubo@pwbonline.com www.pwbonline.com

Please see our ad on page 14 Popular Association Banking Larry Hooper.............................. 714-864-5171

fax 714-864-5190 lhooper@bpop.com www.bpop.com

Please see our ad on page 24

COMMON ASSESSMENT MAGAZINE

Union Bank HOA Services Tracy Stephens.......................... 866-210-2333

fax 866-401-2911 tracy.stephens@unionbank.com HOAbankers.com/Smartstreet.com

Please see our ad on page 25

GENERAL CONTRACTORS

Horizon Construction Clint Miller.................................... 760-458-7500

fax 760-688-3746 info@horizon-carpentry.com www.horizon-carpentry.com

Please see our ad on page 32

INSURANCE

Berg Insurance Agency Kimberly Lilley, CMCA, CIRMS

800-989-7990 ext. 230

fax 949-540-0218 kimberly@BergInsurance.com www.BergInsurance.com

Please see our ad on page 33

LANDSCAPE MAINTENANCE and/or CONSTRUCTION

Pacific Green Landscape, Inc. Jade Celentano......................... 619-390-9962

fax 619-390-0865 jadeceletano@pacificgreenlandscape.com www.pacificgreenlandscape.com

Please see our ad on page 25 Steven Smith Landscape Gigi Golden-Smith.................... 760-745-9916

fax 760-745-1982 ggolden@stevensmithlandscape.com www.stevensmithlandscape.com

Please see our ad on page 19

MAINTENANCE & REPAIR

Horizon Construction Clint Miller.................................... 760-458-7500

fax 760-688-3746 info@horizon-carpentry.com www.horizon-carpentry.com

Please see our ad on page 32

PAINTING CONTRACTORS

Horizon Construction Clint Miller.................................... 760-458-7500

fax 760-688-3746 info@horizon-carpentry.com www.horizon-carpentry.com

Please see our ad on page 32

PEST CONTROL

36 Years

Mt. Helix Pest & Termite Control Robert Bacon............................. 619-584-6794

fax 619-584-3864 mthelixpc@yahoo.com www.mthelixpestcontrol.com

Please see our ad on page 32 Payne Pest Management Jason Payne............................... 858-277-2228

fax 858-277-2212 jpayne@paynepestmgmt.com www.paynepestmgmt.com

Please see our ad on page 37

www.westerntowing.com

FerraraAd11.5.12_Ferrara Ad 7/8 11/7/12 8:21 AM Page 1

SECURITY SERVICES

Bald Eagle Security Dmitriy Todorov......................... 619-230-0022

fax 619-230-6610 dmitriyt@baldeaglesecurity.com www.baldeaglesecurity.com

Please see our ad on page 35

TOWING

Western Towing Kathy Tighe................................ 619-297-8697

fax 619-296-2822 denisetb@westerntowing.com www.westerntowing.com

Please see our ad on page 39

MICHAEL J. FERRARA Certified Public Accountant

✓ Reviews & Audits ■ ✓ Taxes ■ Palomar Professional Building ✓ ■ Reserve Study Updates 615 Aldwych Road • El Cajon, CA 92020 ✓ Budgets ■ 619/ 444-6065 2340 Tampa Avenue • Suite C El Cajon, CA 92020

619 698-4291

American Institute of CPAs

email: mjfcpa@juno.com

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39

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