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January 2016 HOMEOWNER ASSOCIATION NEWSLETTER NOAA PREDICTS GREATER THAN 90% CHANCE FOR EL NINO … IS YOUR ASSOCIATION READY? by Candice Solarz It Never Rains in Sunny California -dry conditions are nothing new to us. In fact, we Californians are mostly unfazed by the four year drought and the Governor’s 2015 State of Emergency conservation measures. To many, it’s just another day in paradise, with bright blue skies, a moderate climate and plenty of sunshine to go around. Even so, most agree that “The Golden State” is in desperate need of a wet winter to extinguish wildfires and replace water in our reservoirs. Enter Godzilla”. Scientists predict a significant and strengthening El Niño weather pattern that could bring once-in-a-generation storms to California this winter. Bill Patzert, a climatologist with NASA's Jet Propulsion Laboratory, said the system has the possibility of becoming the "Godzilla El Niño". Its ocean signal, he said, is stronger than in1997, when the most powerful El Niño on record developed. "If this lives up to its potential, this thing can bring a lot of floods, mudslides and mayhem", Patzert said. Is Your Association Prepared for El Niño Rain Storms? 1. Drains and Gutters: Have you made sure all drains and gutters are cleared of debris and functioning properly before the storm season? 2. Roofs: Did you hire a roofing contractor to check for loose tiles, holes, trouble signs? 3. Balconies and Retaining Walls: Have you inspected all retaining drains, culverts, ditches, etc. for obstructions or other signs of malfunction? 4. Windows: Have you asked owners to check all windows for gaps in caulking or gaps in frames? 5. Insurance: Backup & Sewers and Drains Did you confirm the HOA Master Fire/Package Policy has a minimum of $50,000 Backup & Sewers and Drains coverage Equipment Breakdown Have you checked for a minimum $100,000 Equipment Breakdown coverage on Package or Stand- alone policy (especially important if you have lower parking or NOAA Predicts greater than 90% chance for El Nino: continued on page 7. Page 1: El Nino Preparation for your property and your insurance policies Page 2: Preparing your landscaping for El Nino. Page 3: Increased Pool Maintenance responsibilities Page 4: Changes to Earthquake Coverage in 2016 Page 5: Manager Certification: The Annual Disclosure Page 6: New Year’s Resolutions for HOA’s TABLE OF CONTENTS UPCOMING HOA LAW SEMINAR Hold the date: Thursday, April 7, 2016; Pasadena; 6:30 PM We will resume our HOA Board seminar in 2016 which will feature Matt Ober of Richardson Harmon Ober, PC. The seminar will focus on legal issues that impact you for the new year. You won’t want to miss this important night. MORE INFORMATION TO COME IN MARCH 2016

TABLE OF NOAA PREDICTS GREATER THAN 90% CONTENTS …€¦ · We will resume our HOA Board seminar in 2016 which will feature Matt Ober of Richardson Harmon Ober, PC. The seminar will

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Page 1: TABLE OF NOAA PREDICTS GREATER THAN 90% CONTENTS …€¦ · We will resume our HOA Board seminar in 2016 which will feature Matt Ober of Richardson Harmon Ober, PC. The seminar will

January 2016

HOMEOWNER ASSOCIATION NEWSLETTER

NOAA PREDICTS GREATER THAN 90%CHANCE FOR EL NINO … IS YOUR

ASSOCIATION READY?by Candice Solarz

It Never Rains in SunnyCalifornia -dry conditions arenothing new to us. In fact, weCalifornians are mostly unfazed bythe four year drought and theGovernor’s 2015 State ofEmergency conservationmeasures. To many, it’s just anotherday in paradise, with bright blueskies, a moderateclimate and plentyof sunshine to goaround. Even so,most agree that“The Golden State”is in desperate needof a wet winter toextinguish wildfiresand replace water inour reservoirs.Enter “Godzilla”.Scientists predict asignificant andstrengthening ElNiño weatherpattern that couldbring once-in-a-generation stormsto California this winter. BillPatzert, a climatologist withNASA's Jet Propulsion Laboratory,said the system has the possibilityof becoming the "Godzilla El Niño".Its ocean signal, he said, is strongerthan in1997, when the mostpowerful El Niño on recorddeveloped. "If this lives up to itspotential, this thing can bring a lotof floods, mudslides and mayhem",Patzert said.

Is Your Association Preparedfor El Niño Rain Storms?1. Drains and Gutters: Have youmade sure all drains and guttersare cleared of debris andfunctioning properly before the

storm season?2. Roofs: Did you hire a roofingcontractor to check for loose tiles,holes, trouble signs?3. Balconies and Retaining Walls:Have you inspected all retainingdrains, culverts, ditches, etc. forobstructions or other signs ofmalfunction?

4. Windows: Have you askedowners to check all windows forgaps in caulking or gaps in frames?5. Insurance:• Backup & Sewers and DrainsDid you confirm the HOA MasterFire/Package Policy has aminimum of $50,000 Backup &Sewers and Drains coverage • Equipment Breakdown Haveyou checked for a minimum$100,000 Equipment Breakdowncoverage on Package or Stand-alone policy (especially importantif you have lower parking or

NOAA Predicts greater than 90% chance for El Nino: continued on

page 7.

Page 1: El Nino Preparation for yourproperty and your insurancepolicies

Page 2: Preparing your landscapingfor El Nino.

Page 3: Increased Pool Maintenanceresponsibilities

Page 4: Changes to EarthquakeCoverage in 2016

Page 5: Manager Certification: TheAnnual Disclosure

Page 6: New Year’s Resolutions forHOA’s

TABLE OFCONTENTS

UPCOMING HOA LAW SEMINAR

Hold the date: Thursday, April 7, 2016;Pasadena; 6:30 PM

We will resume our HOA Boardseminar in 2016 which will featureMatt Ober of Richardson HarmonOber, PC. The seminar will focuson legal issues that impact you forthe new year. You won’t want tomiss this important night.

MORE INFORMATION TOCOME IN MARCH 2016

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HB

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PREPARING YOUR PROPERTY LANDSCAPE FOR EL NIÑOBy Mark Meahl, Garden View Landscaping, Nursery & Pools

Just because your property ison a relatively flat area doesn'tmean that it is not subject to somekind of flood damage. Actually,properties on flat land are oftenmuch harder to have goodfunctioning drainage installedbecause the property does notprovide adequate fall for the waterto flow downstream into drains ornaturally. We should all be taking alook at our properties and gettingprepared prior to a devastatingstorm.Check your trees

With the drought taking a tollon trees it is a good time to do ahealth check and risk assessment.Trees weigh less now because theyhave less moisturein them. Often,they are weaker aswell. Sudden, highvolume, moisturemay be too muchweight for somebranches or treesto bear. Heavy, unhealthyand unbalancedtrees are a lotmore likely to fall over fromsaturated soil and wind. Roots canbreak sprinkler lines when trees fallcreating more problems. Fallingtrees can also potentially breakdrains and redirect water flowmaking issues even worse.Hillside Rodents, ground squirrels,rabbits and animals

Eliminate burrowing animalsand bury their burrows. Water cango down the burrows and create an"underground dam" that can burstcausing major problems. Check forrodent holes in lawn areas or flatareas above a slope as these areashave the biggest potential forcollecting large amounts of water.Foraging animals can also causemajor problems by denuding theplant material that protects slopes.V-Ditches on Slopes (concretedrainage swales)

The obvious point is to keep theV-ditch clean and the "daylighting"spot open. It is wise to remove

loose dirt that is likely to wash intothe ditch. Also look for areas wherethe soil has eroded or is well belowthe edge of the V-ditch. If thewater cannot roll into the V-ditchand pools or worse, starts to erodebelow the V-ditch, the whole ditchcan be washed away or broken; thispotentially creates a domino effectwhen the water in the V-ditch doesnot go to the designated location. Check & clean drains, rain guttersand sumps.

Check where drains are"daylighting". Also, check howyour neighbors’ water flowsbecause their water flow canimpact your property.Leaf guards can be put on rain

gutters to keep leaves fromclogging them. Garden Viewdesigners believe that rain guttersthat can potentially collect a lot ofdebris in them are better if they arenot directly connected to the drainsystem. Instead, they should dropon the ground near a drain so thedebris does not clog the drain line. If you have sump pumps, check tomake sure they are clear of debrisand are working correctly. If thesump pump is in a critical location,it may be advisable to have twosump pumps placed at differentheights so that if one fails, theother works. Have a goodunderstanding of where your waterescapes. If the electricity goes outcausing pump failure, you can takepreventative measures to preparefor a worst case scenario. Check water flow and do not burythe "Weep Screed" on thebuildings

Make sure water flows away

from walls and into the drainagesystem. On stucco buildings, makesure you do not bury the "weepscreed" near the bottom of thewall; this is the point where waterthat hits the stucco wall and isabsorbed by the stucco is drained.If it is blocked, water can build upand go through the wall. Some older buildings do not have

a weep screed, but the sameprincipal applies - do not buryabove the footing. Turn Irrigation Timers off andknow where to turn the main lineoff.

We do not want to make thesituation worse, so turn yourirrigation timers off once stormsare forecasted. Most Garden ViewAccounts have rain sensors thatturn off the controllersautomatically. Make sure sensorsare functioning and turned on priorto storm season. We should alsoknow where to turn off the mainwater supply line (especially for theirrigation system); an emergency isnot the time to try and find thelocation.Protecting Slopes

Planting slopes with deeprooted plants has historically beenthe best approach to minimizingslope slippage. But, with thedrought a lot of slope plantingshave been allowed to perish orweaken. Also because the droughtcontinues, planting by Hydroseedor other methods is difficult as weare not allowed to water enough to

PREPARING YOUR PROPERTYLANDSCAPE FOR EL NIÑO: continued

on page 3.

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The requirements for operatingand maintaining “public pools”have been subject to regulatorychanges in recent years. Thosechanges have impacted poolswithin private homeownersassociations (HOAs), as theCalifornia Legislature andDepartment of Health have definedthe term “public pools” to includethose located within private HOAsand residential developments.(Health & Safety Code §§116049.1(a), 116064.2(a)(4)(B); 22CCR § 65503(a)(9).) The morenotable changes include thosewhich mandate (1) new parametersfor water characteristics, (2) strictmonitoring of pool facilities andrequirements for written records,(3) enforcement of specific safetyand first aid equipment, (4)requirements that newlyconstructed public pool enclosureshave at least one keyless exit andself closing latches, and (5) theimposition of health restrictions foremployees or pool users. Some ofthese changes are discussed below.

Daily TestingThe most significant change is thatwhich requires HOAs with twenty-five (25) or more separate intereststo test pool and spa water chemicalcomposition and temperature on adaily basis, and to keep a daily log

of the testing. (22 CCR § 65523(a).)Daily testing may be performed“using a properly calibratedautomatic chemical monitoringand control system” if allowed bylocal enforcing authorities. (22 CCR§ 65523(a).) For HOAs with lessthan 25 separate interests, testingmust be performed anddocumented “at least two timesper week and at intervals nogreater than four days apart.”(Health & Safety Code §116048(a).)

Safety EquipmentAnother notable changes deal withthe installation/maintenance ofsafety and first aid equipment. Forexample, that equipment mustinclude a 12’ minimum lengthrescue pole and a 17” minimum(exterior diameter) life ring with anattached throw rope having aminimum of 3/16” diameter. (22CCR § 65540(a).)

Health RestrictionsPrevious regulations prohibitedpersons with diarrhea from usingthe pool. Now, pool access must bedenied to any person, includingpool monitors, that have symptoms“such as a cough, cold sore, ornasal or ear discharge or whenwearing bandages.” (22 CCR §65541(b).)

Pool Enclosures; Gates & DoorsFinally, there are specificrequirements in Section 3119B ofthe California Building Code for atleast one gate/door into the poolenclosure to allow for egress,without a key, for emergencypurposes. If all gates/doors allowfor keyless exit, no special signageis necessary, otherwise the keylessexit(s) must have signage stating“EMERGENCY EXIT” in at least 4”high lettering.

The requirements andtechnicalities governing pool useand maintenance are numerousand complex. Now, more than ever,HOAs should ensure that their poolmaintenance vendors are aware ofthese requirements andunderstand the need for strictcompliance.

Editorial comment: We havelearned that as of this time(December 2015), the lawregarding daily testing is not yetbeing enforced by the local HealthDepartments. Prior toimplementing any change to yourcurrent program it would be bestto verify this with the HealthDepartment that has jurisdiction inyour area.

Steven J. Tinnelly is an attorneywith the Tinnelly Law Group. Their

INCREASED MAINTENANCE REQUIREMENTS FOR HOA POOLS IN CALIFORNIA

by Steven J. Tinnelly, Esq.

get established roots or evengermination of seedlings.Mulching has been shown to beeffective in many situations. Thetheory is that during a heavy downpour the mulch slows and absorbsmore of the water flow. The mulchalso swells up when wet causingthe water to run off the top likeplastic sheeting. Other products available to slowdown or redirect water flow aresand bags, straw waddles, jutenetting, plastic sheeting, gabions,silt fencing, mulch blankets andhydroseed applied polymers. Have Emergency Materials on

handWe recommend our clients

have an emergency package put ina dry place in case it is needed.

G a rd e nV i e w ' sstandardpackageincludes,p l a s t i c

sheeting, at least 50 sand bags,rope to tie to sand bags to hold theplastic down on the slope, stakes, asledge hammer for the stakes, a

shovel, water diversion tubes andan extra sump pump withextension cords. Every situation is different, look forcause and effect scenarios, usecommon sense to evaluate yourproperty and needs. In some casesyou may have to make a decisionon how much you are willing toinvest to reduce your exposure tofuture losses. Let's hope we getenough rain to ease our droughtwithout causing devastatingdamage.

Mark Meahl is President of GardenView Landscaping, Nursery &Pools, and can be reached at (626)303-4043 or by email [email protected].

PREPARING YOUR PROPERTYLANDSCAPE FOR EL NIÑO: continuedfrom page 2.

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Starting January 1, 2016, theCalifornia Earthquake Authority(CEA) will be rolling out somegreat new features for Californiaconsumers. The coverage, benefitsand affordability of earthquakeinsurance in California will returnclose to the state-of-the

marketplace prior to the 1994Northridge Earthquake – acatastrophic, market-shaping eventwhich occurred nearly 22 years ago- with an average rate reduction of10%, new expanded coverages andmore flexible deductibles.

New Deductible Options:Formerly, the CEA only offeredcondominium unit owners a singledeductible option: 15%. EffectiveJanuary 1, 2016, CEA policyholderswill be offered 5%, 10%, 15%, 20%and 25% deductible options!

Personal Property (Contents)Coverage: Prior to January 1st,condominium owners couldn’tpurchase more than $100,000 ofcontents coverage. After the NewYear, the CEA will have expandedPersonal Property limits up to$200,000 – and a new optionalcoverage will be available to coverbreakage of previously-excludedfragile personal property such asdishes, artwork, and collectibles.

Loss of Use (Additional LivingExpense): What if your unit isrendered uninhabitable as a resultof an earthquake and you have tolive elsewhere? Currently, themaximum Loss of Use limit offeredto condominium residents is$25,000. In a post-catastropheenvironment, that’s an insufficientlimit to address the minimum eightto 12 month reconstruction windowthe Association may face after anearthquake. In 2016, residents willbe able to purchase as much as$100,000 of Loss of Use coverage.

Earthquake Loss AssessmentCoverage: Probably the MOSTimportant earthquake coverage forcondominium residents(particularly if your Association hasno earthquake insurance), thiscoverage protects against thespecial assessment the Board ofDirectors may be forced to levyagainst all owners to addressearthquake damage to theCommon Area. Of course, if theHOA has no coverage the specialassessment will be very high.Formerly, the maximumEarthquake Loss Assessment limitoffered was $75,000. As of1/1/2016, a higher $100,000 limit isbeing offered (still likely woefullyinadequate if the Association hasno coverage).

Higher Building (Real Property)Coverage Limits: This coverage is

written to address damage to theinterior of the unit and to coversuch things as damage to built-incabinets, electrical fixtures,plumbing fixtures andpermanently- attached buildingelements which are the owner’sresponsibility to fix, repair andmaintain per the association’sgoverning documents. Prior toJanuary 1, 2016, the maximum limitavailable is only $25,000. Afterthe New Year, the owner can selectbetween $25,000, $50,000,$75,000 and $100,000 options.

Somewhat obscure, butinteresting coverage changes:Few HOA’s out there have masonrychimneys, but according to theCEA, the chimney limit has beenincreased from $5,000 to $10,000,and the CEA policy now includes$10,000 for Energy Efficiency andEnvironmental Safety ReplacementUpgrades.

Board Members should not belulled into a false sense ofsecurity: Despite these welcomedimprovements to the CEA,according to the statisticspublished by the CaliforniaDepartment of Insurance, only15.39% of California condominiumunit owners who purchased HO-6’s(condominium unit owner policies)purchased earthquake protectionfor their private residences in 2014.That means 84.61% of condoowners failed to buy any individualearthquake protection whatsoever.And, that “uninsured” percentageis potentially even higher sinceprevious studies show that 25% ofcondo owners are goingcompletely bare (fail to even buyan underlying HO-6) which meansthey aren’t offered the opportunityto buy earthquake protection.

The Bottom Line? While wecertainly welcome the exciting newlimits and deductible options beingoffered by the CEA in the NewYear, board members need toremember that despite theimprovements, the vast majority ofindividual unit owners will not availthemselves of this opportunity toprotect their investment. Forowners in your project who haveequity and want to protect againstcatastrophic loss, a well-writtenmaster earthquake policy willremain the only way to protecteach owner’s investment.

CALIFORNIA EARTHQUAKE AUTHORITY ANNOUNCES MAJORIMPROVEMENTS FOR CONDOMINIUM UNIT OWNERS IN 2016

By Timothy Cline, CIRMS, Timothy Cline Insurance Agency, Inc.

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Advertise Here If Your Company can provideexcellent customer serviceand specializes in HOAs

contact Roman Esparza at (626) 243-4158

[email protected]

5

Certification of CID Managers hasbeen a law now for 13 years. Theintended purpose of the law is“DISCLSOURE”. Boards shouldknow if the management companythey are hiring (or has hired) hascertified managers on their staff.Surprisingly, there is norequirement that CID managers becertified however the law requiresthat managers or managementcompanies disclose that they arecertified (or not) prior to entering acontract and annually thereafter.Given the fact that for most people,their home represents their mostimportant financial asset, it wouldmake sense to not allow yourinvestment to be managed by amanager who is not certified. Thisis why the California legislaturemade this disclosure law a reality in2003.

Boards should find out if theirproperty supervisor (or manager)is certified, and additionally if thecompany is insured. Boardsshould look for professionaldesignations when hiring amanager. Working with a certifiedmanager affords the bestprotection for associations asknowledgeable and certifiedmanagers help steer theirassociations through the maze ofregulatory compliance therebyreducing potential liability andmaking it easier for volunteerdirectors to meet their fiduciaryduties.

What does certification involve?To become a certified manager theprocess takes about two years orlonger depending on thedesignation, to complete therequired courses and receive theexperience necessary to becomeapproved. There are continuingeducational requirements as well,and re-certification must becompleted every three years.Certification indicates that amanager has achieved certainlevels of training in themanagement of common interestdevelopments.

On a practical level, a managerwho makes the investment of timeand money to become certified isclearly committed to this industryand plans to stay in this industryfor an extended period of time.This isn’t a career that they aretrying out to see if it works.Managers who are in this industryfor the long term are the kind ofmanagers that you want to haveworking for you, and not someonewho has applied for a positionbecause of an economic downturnin another field.

Certified managers will workharder for their Association clientsas they value their reputation andthey don’t intend on changingcareers. A requirement ofcertification is membership in aindustry related trade organization,of which there are two: theCalifornia Association ofCommunity Managers (CACM) andthe Community AssociationsInstitute (CAI). CACM is aCalifornia specific organization andCAI is a national level organizationwith many chapters around thecountry. Both organizations have“codes of ethics” and “standardsof practice”.

By way of disclosure all but oneof the Beven & Brock AssociationManagers, and Principals of thefirm are Certified common interestdevelopment managers. Each ofthe following have met therequirements of the Business andProfessions code, section 11502.The following managers arecertifications are current and arecertified by CACM, which islocated at 23461 So. Pointe Dr.,Suite 200, Laguna Hills, CA92653. The phone number is(949) 916-2226. All of the nameslisted below have been activelymanaging associations prior to thedates indicated, but have beencertified with CACM from thesedates until now.

MANAGER CERTIFICATION: The Annual Disclosure

By David Brock, PCAM

MANAGER CERTIFICATION: continuedon page 8.

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2016: NEW YEAR’S RESOLUTIONS FOR HOA’SAbout 45% of Americans make

New Year’s resolutions, about 8%feel they succeed. A New Yearrepresents new beginnings. In theChinese calendar, 2016 is the yearof the monkey. A few of thesymbols that relate to monkeys arehonor, community and action orenergy. There is little doubt thatAssociations could improve life intheir association by adopting thesethree qualities: honor, communityand action.

Despite the lack of success inNew Year’s resolutions forindividuals it is possible thatcommon-interest developmentscan have a different result,assuming that the President of theBoard proactively leads the boardin the first meeting of the year todiscuss goals and objectives for thenew year.

Since it is now 2016, let’sconsider 16 possible resolutions foryour association this year.Consider these as a board, andmaybe three or four of them wouldbe worth pursuing this year.

For purposes of simplicity, let’slook at these possible resolutions infour categories: financial,maintenance, the board, andcommunity.

Financial1. Resolve to make significantprogress toward compliance onboth obtaining a reserve study orupdate every year, and acceptingthe recommendations of thereserve study provider.2. Resolve to take prompt action

on delinquent owners.Associations who wait longer thansix months to take proper actionstand to lose the most. 3. Resolve to review the monthlyfinancial statements regularly, andwatch the “budget comparison”report. It’s not as scary as it looks.Wait! You’re not getting a “budgetcomparison” report? It’s essentialto understanding how you areperforming monthly on yourbudget projections. 4. Resolve to review yourinsurance coverage annually withyour agent at a meeting.

Maintenance5. Resolve to work with licensedvendors, whenever possible.6. Resolve to work with insuredvendors, which includes not onlyliability insurance but also Worker’sComp if they have employees.7. Resolve to fully understand thedifference between bidders onproposed work and understandthat the selection criteria shouldinclude more than just the dollarcost of the job.8. Resolve to clarify maintenanceresponsibilities for yourAssociation as to whether theowners or the Association isresponsible for certain repairs,such as plumbing and exclusiveuse common areas.

The Board9. Resolve to hold regular boardmeetings, at least four per year.10. Resolve to run efficientmeetings where proposed motions

are included on theAgenda that isposted in advance ofthe meeting.11. Resolve tooperate with a fullboard and a fullyemployed board,with all of the members doing theirpart. 12. Resolve to function as boardmembers as fiduciaries withdecisions and discussions focusedon the best interests of all owners.

Community13. Resolve to address apathy inthe community by creative meansto engage owners in the life of theAssociation. Don’t laugh, it’spossible. 14. Resolve to listen to owners atthe Open Forum portion of theBoard meeting withoutinterruption or defensive posturing. 15. Resolve to utilize specialinterest committees to help lightenthe load of the board. 16. Resolve to hold two socialevents during the year, once insummer and once during theholidays to connect owners.

There is no need to adopt all ofthese sixteen resolutions, butconsider adopting one from eachsection. There is no doubt that ifyou do, you will make progresstoward making your association abetter place in which to live andown.

Happy New Year, 2016.

Beven & Brockis pleased toannounce thatLaura Aguilarhas recentlybecome aC e r t i f i e dManager ofC o m m u n i t yAssociations, asawarded by the

Community Association ManagersInternational Certification Board.

A certified manager is one who hasdemonstrated competency as acommunity association managerby passing an examination, fulfillingprofessional developmentrequirements and adhering tostandards of professional andethical conduct. Ms. Aguilarjoined Beven & Brock in 2014 andhas been working with associationsin a supportive role as well as anAssociation Manager. Prior tojoining Beven & Brock, Ms. Aguilar

was employed at two othermanagement companies where shemanaged homeowner associations.While certification is not arequirement in the industry, it isstrongly encouraged andsupported at Beven & Brock.

We congratulate Ms. Aguilar onthis fine achievement in theindustry of common-interest-development management.

ANNOUNCEMENT OF NEWLY CERTIFIED MANAGER!

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basement levels) • Flood Has the HOA consideredadding Flood coverage to yourPackage or Earthquake Policy orbuying a stand-alone Flood Policy(Note: Typically, there's a 30-daywaiting period from date ofpurchase before your policy goesinto effect)

Back Up and Sewers & DrainCoverage: Water damage fromwater backing up from sewers anddrains would not be covered undera Flood Policy and is usuallyexcluded from Fire/Packagepolicies (unless your agent hasadded it as an endorsement).Given that these drains have nothad much water running throughthem in the last 5 years; it goeswithout saying there will be itemsstuck in some drains which willcause backups and challenges forcity drainage systems that werenot built to handle significantamounts of rain to begin with.

Equipment BreakdownCoverage: Properties withsubterranean parking typicallyhave sump pumps which helpremove water from lower parkingand/or basement levels.Sometimes these pumps getoverwhelmed or break. Shouldyour pump break, and thedamages are a result of the brokensump pump, your association musthave Equipment Breakdowncoverage to cover the loss.

Flood Coverage: Losses as aresult of runoff of surface water,mudflow, and subsidence of landalong the shore of a body of wateror overflow from tidal waves(tsunami) are covered on FloodPolicies but excluded on mostMaster Fire Packages. If yourproperty is located in a high-riskflood zone you may already have aFlood Policy due to lendingrequirements.Buying Options for FloodCoverage1. Add Flood coverage to yourPackage Policy Most carriers donot offer Flood endorsements, butthere is one A-rated insurancecarrier offering a Floodendorsement with $250,000 limit

for only about $750.00. Checkwith our office, or your agent andeither add the endorsement ordiscuss whether a better suitedpackage would be an option foryour association2. Add Flood coverage to yourEarthquake Policy We can oftenadd “Flood” coverage as anadditional peril. The upside is thatit is an affordable way to getcoverage. The downside is largerdeductibles. Check with youragent to see if your policy includesFlood coverage, and if not, howmuch it will be to add theendorsement? 3. Buy Stand-alone Flood PolicyFlood policies are written throughthe National Flood InsuranceProgram (NFIP). The benefit of theNFIP Policy over adding floodcoverage to your Earthquakepolicy is that there is a muchsmaller deductible with the NFIPpolicy compared to theEarthquake. Since it is a federallyfacilitated program, the quotingprocess takes longer and the 30day wait means you need to callASAP for a quote.

Flood coverage is alsoimportant for anyone who is livingin a city with aging infrastructure.In the past two years, we’ve seenmain pipe breaks resulting inmassive amounts of water flowingdown our streets in Los Angelesand San Diego. This rush of watercoming towards your property hasthe potential to cause seriousdamage that would not be coveredon your fire policy. The water isconsidered “runoff” of surfacewater and would be covered undera Flood Policy. Although the Citymight be liable for the damage, it isa given that it won’t be easygetting reconstruction funds fromcash-strapped cities that could notafford upgrading aging pipes in thefirst place. A Flood Policy providespeace of mind knowing your HOAis assured of timely claimsprocessing.

Candice Solarz is an AccountExecutive with the Elliot KatzovitzInsurance Agency Inc. They canbe reached at (310) 945-3000.

NOAA Predicts greater than 90%chance for El Nino: continued frompage 1.

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This Newsletter is circulated forgeneral informational purposes asa public service and promotion bythe Beven & Brock PropertyManagement Company. Thecontents are the opinions of thefirm, or the authors, and notintended to constitute legal advice,and should not be relied upon forthat purpose. If you have a legalissue related to a subject of thisnewsletter, you should consult theCalifornia Civil Code and yourattorney. The paid advertising inthis newsletter is provided as acourtesy to our readers and doesnot constitute any endorsement byBeven & Brock. The advertisersprovide their services to HOA’s andsome may have provided servicesto Beven & Brock’s HOA clients inthe past.

• C. Finley Beven, since 1994,status is Emeritus • Vianna Boettcher, since 2006• Paul Cannings, since 2003• Roman Esparza, since 2009• Juanita Flores, since 2004• Laura Garbo, since 2003• Lori Lacher, since 2003• Sue Threadgill, since 2003.

The following managers arecertified with the CommunityAssociations Institute, located at6402 Arlington Blvd., Suite 500,Falls Church, VA 22042; Phone:(703) 970-9220 , and they arecurrent:• David Brock, PCAM designation,since 1990.• Marilyn Howald, CCAM, CMCAdesignation through the NationalBoard of Certification, since 1996.• Laura Aguilar, CMCA, since2015.• Paul Cannings, CMCA andCCAM

Beven & Brock currently has onemanager who is not certified.Tricia Ford, who joined Beven &Brock in 2014 and has beenmanaging associations since 2003,is in the final stages of obtainingre-certification status. Triciaearned the CMCA credential inSeptember of 2004, however itlapsed. The law also requires thatthe location of the manager'sprimary office be disclosed whichis 99 S. Lake, Suite 100, Pasadena,CA. 91101.

If your Association is managedby another firm and you have notreceived the annual disclosure,you may want to ask for it.

MANAGER CERTIFICATION: continuedfrom page 5.

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