Issue: # 45
NOVEMBER 14, 2020
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Dear Florida Homeowner and Condo Owners;

I always get questions about property insurance and the coverage included in the many variations of insurance policies offered. Below you find an article that n my opinion provides excellent information which opolicies provide which coverage.  It's not simple, but considering the many hurricanes we had in recent years you should definitely consider picking the correct insurance. Especially condo owners should be aware of the many problems they could get into without it being their fault.

For the first time in 20 years I couldn't find any articles about community associations in our local newspapers -- or even TV reports. Everything is full of articles about the election last week. It's amazing that the reporters nowadays write their opinion -- depending on their private agenda -- disguised as articles instead of staying with the confirmed facts. Let's be honest: Everybody always claims to want to re-unite the country. What a joke! The country is split about 50:50 and the election shenanigans already known create in my opinion an even bigger divide. I agree with Joseph Stalin when he said: "It's not the voters making the decision, it's the people who count the votes!" And this goes not only for the general election, but for all elections, including the elections for the boards of community association. We always claim that the USA is a hi-tech country. Sorry, but when it comes to elections we can easily compete with any third-world country we often seem to laugh about!

This week we are blogging about elections in community associations. While condos (FS 718.112) have very detailed election provisions, HOAs (FS 720.306) leaves more or less everything open. That's why arbitrators are busy sorting out election fraud. It looks like quite a few HOA boards think they can do whatever they want, including violating statutes and bylaws -- and then blaming the Pandemic. To me it looks like elections in this country are a nightmare, no matter where they are supposed to take place! Please read my blog posted yesterday: "GEE -- NOT ANOTHER ELECTION!"
CLICK ON BANNER TO GO TO THE BLOG WEBSITE:

         
Condo and co-op owners need homeowners insurance, but it's not the same type you'd get for a house
There are several types of homeowners insurance based on the dwelling type: condo, home, mobile home, or new construction. Condo insurance is also known as an HO-6 homeowners insurance policy. The major difference between standard homeowners insurance and condo insurance is the dwelling coverage: how it protects the structure itself. Unlike car insurance, homeowners or condo insurance is not required by state law. However, if you have a mortgage, your lender will require homeowners insurance to protect the investment. Additionally, a condo association's by-laws may require condo owners to have condo insurance.
  
Outdoor grilling activists in Florida take protesting to a searing new level
If the culmination of last week’s election has created a void in your life, an empty spot where righteous protest used to exist, let me suggest an area of grievance you may not have considered. Outdoor barbecue grills. In Florida, residents of a Clearwater adults-only condo community are leading the way on this, taking to the streets with signs that say “Let us die in peace.” Words, by the way, that would also make an excellent state motto.
    
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This Week's Topics:
  1. Florida's new emotional support animal statute.

  2. Is gambling allowed in your community? Are you sure?

UPCOMING HOA/CONDO

BOARD CERTIFICATION SEMINARS:
       

Former Osceola County commissioner, newly elected State Rep. Fred Hawkins discusses arrest, legislative plans

http://www.ccfj.net/HOAFLFHawkinsInt.html 

Only 9 Investigates sat one on one with former Osceola County Commissioner and newly elected State Rep. Fred Hawkins, in his first interview after being arrested in the county he served for more than a decade. Channel 9 investigative reporter Karla Ray has covered every development in this saga for more than a year. It all stemmed from a homeowners association fight at Turnberry Reserve in Kissimmee.

    

Protogroup seeking new permit for valet parking lane for $192 Daytona hotel project

 http://www.ccfj.net/condoHotelProjApp.html

A new permit application has been filed for construction of a controversial valet parking lane at the $192 million Protogroup hotel-condominium project, according to the Florida Department of Transportation. The new application was filed by the developer after Protogroup started work on that portion of the project in October in violation of an expired permit. The new permit request is under review, said Allison Colburn, FDOT spokeswoman.

    
Community Improvements Can Be Made With County Mini-Grant Program
Residents who want to enhance the sense of community in their neighborhood can get financial support to do so thanks to Hillsborough County’s Neighborhood Mini-Grant Program. Organizations such as homeowner associations, community development districts and civic associations can receive grants of up to $5,000 for projects that improve their neighborhood or create civic engagement among residents. The grants can be used for a variety of projects, ranging from phone apps that keep neighbors informed to street festivals that entertain and delight residents while promoting community engagement.
   
    
    

Power is in Numbers! If you are not already a member, please join our organization and help us achieving our goal: Our Annual Membership fee of $ 20.00 would definitely be helping our organization to achieve our goals!

FAIRNESS IN COMMUNITY ASSOCIATIONS IS OUR GOAL!
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 HAVE A GREAT WEEKEND --
AND STAY HEALTHY!
Jan Bergemann, President
Cyber Citizens For Justice, Inc.

 1156 Tall Oaks Rd., Deland, FL 32720

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