Welcome To The August Edition Of "The Green Marble" Newsletter

The August Issue Includes:

- Civil And Criminal Prosecution Of Animal Abuse 
- Upcoming Seminars/Events/Meetings
- Did You Know?
- Who's The Most Awesome In Your Association
- Oops! What Did They Do To Us This Year?
- What Type Of Insurance Do I Need If I'm Renting Out My Home?
- Governing Document Amendments Service
- Quote Of The Month
- August Birthdays 
Civil And Criminal Prosecution Of Animal Abuse: 
How Can We Stop Animal Abuse?
By: Attorney, Jennifer Davis

For most, our animals are treated just like children.  They are beloved members of our family.  Unfortunately, not everyone treats their animals in such a away.  According to the  Humane Society of the United States , the most common victims of animal abuse are dogs, cats, horses, and livestock.  Additionally, research has shown there is a strong correlation between abuse of animals and domestic violence or hoarding.  As domestic violence is on the rise so is animal abuse.  Additionally, hoarding has become a huge problem.  Statistics show that hoarders don't just hoard items but that can include animals. 

Upcoming Seminars/Events/Meetings

Our upcoming seminars and events are listed below.

Check out our website for information on specific classes by clicking  here.  

Tuesday, September 6 - Hosted by Clayton & McCulloh
Maitland Office. Begins at 9:00 a.m. Attorney Jennifer Davis will be presenting "Doing It Right!" This complimentary class features a  continental breakfast including coffee and orange juice. For more information, click  here.

Thursday, September 7  - Hosted by Clayton & McCulloh
Maitland Office. Begins at 2:30 p.m. Attorney Russell Klemm will be presenting an "HOA Board Certification Class."  This complimentary class includes appetizers and beverages. For more information click  here.

Thursday, September 14Hosted by Brevard Community Association Management 
Holiday Inn Space Coast Convention Center. 5:30 p.m. - 8:30 p.m. BCAM will be presenting "Oops! What Did They Do To Us This Year?" Join our attorneys on Thursday, September 14, for a Legal Update created for Board Members and hosted by BCAM. This class features complimentary beer, wine, & appetizers. Bring a donation for the Humane Society and get an extra door prize ticket! Come early and join the casual Round Table Discussion on "Collections - Getting the Job Done!" Attorney Jennifer Davis will be leading the Round Table Discussion from 4:00 p.m. - 5:00 p.m. Register at their website,  here.

Tuesday, September 19  - Hosted by Clayton & McCulloh
Melbourne Office. Begins at 2:30 p.m. Attorney Jennifer Davis will be presenting an "HOA Board Certification Class." This complimentary class includes appetizers and beverages. For more information, click  here.

Thursday, September 28 - Hosted by Clayton & McCulloh
Melbourne Office. Begins at 9:30 a.m. Attorney Jennifer Davis will be presenting "Doing it Right."  This complimentary class features a continental breakfast including coffee and orange juice. For more information, click  here.

Thursday, October 12 - Hosted by Clayton & McCulloh
Melbourne Office. Begins at 2:30 p.m. Partner, Russell Klemm, will be presenting "Friendly? Really? How Friendly is FL Friendly Landscape." This complimentary class includes appetizers and beverages. For more information click  here.

Did You Know?
Did you know, Clayton & McCulloh has its own title company. On June 3, 2009, Clayton & McCulloh founded the Community Association Title Company (CAT). You can hire either a non-lawyer title agency ... or you can hire CAT and its team of professional real estate attorneys, to handle your real estate sale or refinance closing. Both will cost you about the same. The benefit to having CAT, and our real estate attorneys, handle your transaction is that ...
  • We know and understand community associations;
  • As members of The Fund, we employ only State-of-the-Art Technology and can issue your commitment within an hour or two instead of 'within days';
  • We keep abreast of Federal and State real estate law;
  • We cost about the same as other title agencies; and
  • We can give professional legal advice!
Who's The Most Awesome In Your Association?

The Most Awesome Award for the first half of 2017 has been an "Awesome" success with some very deserving Managers and Board Members. We were absolutely blown away by the response of those receiving this award. The reactions we received have validated our reasoning behind giving out these awards to the Awesome Managers and Board Members in Central Florida. It allows us to exemplify our motto of  Embracing Community to those that deserve it most. Don't miss out on your opportunity to show appreciation to your favorite Board Member or Manager with the Most Awesome 4 th Quarter Nominations closing on October 5, 2017. 
The Deadline for Nominations for the 4 th   Quarter 
Most  Awesome Award  is October 5!
Use the buttons below to nominate a Manager or Board Member you know who has truly gone above and beyond the call of duty for your Association. Be sure to elaborate  and make sure we know why your nominee is the Most Awesome!

Oops!  What Did They Do To Us This Year?
Join us for a very special event!  

Join our attorneys on Thursday, September 14, for a Legal Update created for Board Members and hosted by BCAM (Brevard Community Association Management) at the Holiday Inn Express & Suites at the intersection of I-95 and SR 520 in Cocoa.  Find out what happened in the Legislature and what new laws will affect Associations while enjoying a drink and appetizers. This Legal Update is designed for Board Members.  While managers are welcomed with open arms, this class is not being offered for credit.  BCAM will be featuring complimentary beer, wine, & appetizers.  Bring a donation for the Humane Society and get an extra door prize ticket!  As this event is sponsored by BCAM (and not C&M), there is a small fee ($15) to attend this popular event. 
Come early and join the casual Round Table Discussion on "Collections - Getting the Job Done!" featuring Jennifer Davis of Clayton & McCulloh.  Five minutes of learning about "Getting the Job Done" on collection matters and 55 minutes of questions, answers, and discussion among the attendees.  Talk with other communities and learn how they solve these problems.
Here are the times:
Optional Round Table Begins:  4:00 p.m.
Optional Round Table Ends:  5:00 p.m.
Registration for Legal Update: 5:30 p.m.
Bar & Buffet Opens:  5:30 p.m.
Introductions: 6:15 p.m.
Program Begins: 6:30 p.m.
Program Ends: 7:30 p.m.
Questions & Answers begin:  7:30 p.m.
Questions & Answers end:  8:00 p.m.
Closing & Door Prizes:  8:00 p.m.
Individual Questions:  8:10 p.m.
Event Ends: 8:30 p.m.
A very special announcement will be made by BCAM at this meeting.  So please join the BCAM Exclusive Partners, and the Attorneys and Public Relations Staff of Clayton & McCulloh, at this very special event.
Make a reservation through BCAM's website here:  http://www.bcamonline.com/5.html 
If you have any questions, please call BCAM at (321) 345-1132

What Type Of Insurance Do I Need If
I'm Renting Out My Home?
by  Emily Walker  | Sihle Insurance  | Blog  | www.sihle.com
Preface by Clayton & McCulloh Partner, Brian Hess

While this article refers to the types of insurance required for renting out a home, certainly an owner would want to review his or her community's governing documents as to any pre-approvals or steps required by the Association in order to rent out a home. Clayton & McCulloh can assist Associations and owners with these issues.

There are many reasons you might want to rent out your home on either a short- or long-term basis. Depending on the rental scenario, your standard homeowners policy may not cover losses incurred while your home is rented out, and you may require a more specialized insurance policy. So, whether you own a second home that you lease to tenants, want to rent out a spare bedroom in your house periodically though Airbnb, or make a little extra cash renting out your beach cottage the weeks you're not using it, the first step should be to call your insurance professional at Sihle Insurance Group.

Short-Term Rentals/Primary Residence
If you are planning to rent out all or part of your primary residence for a short period of time, for instance, a week or several weekends, there will likely be two insurance scenarios.
  1. Some insurance companies may allow a homeowners or renters policyholder  a short-term rental-assuming they have notified the company. Other insurers will require an endorsement (or rider) to the existing insurance policy in order to provide insurance coverage.
  2. If you plan to rent out your primary residence for short periods on a regular basis, to various "guests." this would constitute a business. Standard homeowners insurance policies do not provide any coverage for business activities conducted in the home. To be properly covered you would need to purchase a business policy-specifically either a hotel or a bed and breakfast policy.
Long-Term Rentals/Second Home
If you are planning to lease your home to one person or a couple or family for a longer period of time, say six months or a year, you will likely need a landlord or rental dwelling policy. Landlord policies generally cost about 25 percent more than a standard homeowners policy to pay for increased protections. If you are regularly renting out a vacation home or investment property, this would also require a landlord or rental dwelling policy.

Landlord policies provide property insurance coverage for physical damage to the structure of the home caused by fire, lightning, wind, hail, ice, snow or other covered perils. It also offers coverage for any personal property you may leave on-site for maintenance or tenant use, like appliances, lawnmowers, and snow blowers. The policy also includes liability coverage; if a tenant or one of their guests gets hurt on the property, it would cover legal fees and medical expenses.
Most landlord policies provide coverage for loss of rental income in the event you are not able to rent out the property while it is being repaired or rebuilt due to damage from a covered loss. This coverage is generally provided for a specific period of time.

Renters Insurance
As the landlord, your coverage is only on the structure itself and your financial interest in it. Your tenant's personal possessions are not covered under your policy. In order to avoid disputes arising from damage to the renter's belongings, many landlords require a tenant to buy  renters insurance before signing a lease.

For more information or additional insurance blog content please visit www.sihle.com. If you have any additional insurance questions or are interested in Sihle insurance offerings please contact either Lou Biron or Jarad Pizzuti at (407) 389-3539. This article is being presented within our " Green Marble" Newsletter as part of their sponsorship of our Community Connect Chat Seminars. 
Governing Document Amendments Service
Amending Governing Documents is a fairly common legal activity that Clayton & McCulloh gets asked to do.  Most amendment work is done on an hourly basis for our Association clients. Two of the most frequently requested amendments are the Quorum Requirement Amendment to hold meetings and amending the Amendment Requirements Amendment. We now feature fixed fee rates for preparing amendment packages for these two amendments.  Sometimes the Amendment desired needs to occur with respect to more than one of your Governing Documents.  Our flat fee for this service is per package and per Document amended (Declaration, Articles of Incorporation, and By-Laws). 
For more information please contact our Director of Public Relations, Arlene Ring, at (407) 875-2655 (Maitland) or  (321) 751-3450 (Brevard) x129.
Quote Of The Month

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Join Us In Celebrating These Upcoming Birthdays!

Rosalie Hernandez - Manager, All Coast Realty Management - August 7
Paula Butler - Manager, Sentry Management's Longwood Office - August 8
Theresa Bonzella - Manager, Mastermind Association Management - August 15
Kathleen Watts - Manager, Dragon Property Management - August 19
Sue MacLarty - Manager, Quest Company of Central Florida - August 26
Aura Rosa Zelada - Manager, Windsor Hill, Master Community Association - August 31 

Amber Ucci - Manager, Leland Management's DeBary Office - September 1
Holly Flinchum -  Manager, Sentry Management's Rockledge Office - September 4
Kristina Renick - Manager, P & R Housing Management - September 7
Van Moore -  Manager, Advanced Property Management of Central Florida - September 9
Gregory Buehler - Manager, Leland Management's Clermont Office - September 15
A Huge Thank You to our Community Connect Chat Partners
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Orlando Office: Maitland
The Clayton & McCulloh Building
1065 Maitland Center Commons Blvd.
Maitland, FL  32751
Phone: (407) 875-2655
Fax: (407) 875-3363 
Melbourne Office: Suntree/Viera
Baytree Corporate Park
1301 Bedford Drive, Suite 101
Melbourne, FL 32940
Phone: (321) 751-3449
Fax: (321) 751-3450 
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