Community Association Matters

Ana Sanchez Rivero, CAM
Community Association Matters

The podcast that provides solutions to the problems facing condominium and homeowner associations in South Florida.

  1. What are fiber optics, the importance of 5G for HOAs and Much More

    11/17/2020

    What are fiber optics, the importance of 5G for HOAs and Much More

    Ana Sanchez Rivero: Hello and welcome to community association matters. The podcast that focuses on condominium and homeowner association, education throughout the state of Florida. So, my name is Ana Rivero, and I'll be your host for today. And of course, the PA this podcast is sponsored today by Allied Property Group, as it always is, we are a full-service property management company. That's been servicing. Condominium and homeowner's association, through Southeast Florida, since 2003, as I announced in our podcast from earlier this year, we're now also, serving Southwest Florida as well. So, if you're in the Fort Myers or Naples corridor, I think all the way up to Sanibel, give us a call. We're going to be able to help out your community as well. Today's episode. We have another sponsor with us today, which is Hotwire communications, and I'm super excited to have David join us today. David Ramos is the Executive Vice President for Hotwire’s Southeast Florida region. David is a graduate of Trinity international university and holds an MBA from Nova Southeastern University and has even taught as an adjunct professor at Miami-Dade College. My husband went there. So, at Hotwire, he's had the roles and responsibilities all the way from VP of Consumer Sales to Regional Vice President. So, I think he's done it all, which is always the best. The way to learn in an organization. he has extensive experience in building and leading high-performance teams, and he started his career in education, which I think is always a great way to learn, to get, to start your career because you learn how to engage people and how to really, get them motivated. It's perfect for what we're doing today because. The whole purpose of this podcast is to educate board members and even community residents on some of the services and, companies that service condominiums and homeowners' associations and what they do. as your career evolved, you moved away from the education and moved into the private sector. Can you give us a little bit more information about yourself that perhaps I haven't included? David Ramos: Sure. Thank you so much for. for having me and allowing us the opportunity, just to chat a little bit about what we do. we have a lot of synergies and we also serve some of those markets that you guys are in, in Southwest Florida. So, we probably have some good war stories to, to share down the road. But, but yeah, I'm a local Miami native. I grew up here in South Florida, born and raised in Miami and, went to school here and, grew up here, Nolan. I've seen, the market just evolved incredibly over the last 30, 40 years and, started a family here and calling this home. This is a beautiful place to live. So, I am a Miami through and through, and now I live in Broward, in the West Broward area. But nonetheless South Florida is still in the veins. And great to see what's going on right. In our worlds, in the worlds that we operate in, with these properties and communities that we serve. Ana Sanchez Rivero: just excited to see what's going on. Plus, what's coming our way in the future. Yeah. The, you said something that was so true, which is how much things have changed. And in the world of technology, it's like you blink and things have changed and moved along. I was looking today at the today show and they even had like auto driving planes, or they're flying planes using it to deliver cargo and that's crazy. It's amazing what they're doing. It's a little scary now. It's a little scary, but it's also a good thing. I think it's good for our future and I think it's gonna help us, but I'm digressing, right? I'm rambling on. I'm going to go ahead and share screen because you’ve forwarded to us, some information about your company and today's topic is really going to be about fiber optics. How did it, how does it work? What makes it better or different? And we're going to also talk a little bit about the comparison between the fiber optics and 5g, yeah. Just some of the myths that have been going on between the two platforms. And I know you also sent us a video that kind of talks a little bit about, some of the issues that we're facing now, because a lot of us are working from home, because of the whole coronavirus. So, I know that there's a video that's embedded that I think is, is very informative that we'll be sharing. So, let me go ahead and share this screen. And I appreciate everybody's patience as we, get used to our new technology. David, I'm going to go ahead and let you take the floor, tell us a little bit about the, Hotwire communications. How did you get it? David Ramos: Sure. So, thank you. So, we started in 2000, where we're going on our 20th year in business or where we've grown up as a company. Now we're officially an adult company. And, and we've learned a lot along the way we were. Initially started in Philadelphia and grew into South Florida. Florida became our largest market, to date, and is where we currently house our headquarters. But we started focusing on providing internet and video services to apartments, condominiums, student housing, et cetera, and evolved to now be able to provide services to commercial entities like stadiums. We provide service for the Florida Panthers, the Miami Beach Convention Center, large-scale venues, as well as hotels like the Ritz Carlton, et cetera, and condominiums and homeowners' associations throughout the markets that we serve. Today, we operate in Florida, Georgia, the Carolinas, Philadelphia, and then we have small presence in, other States like New York and California, but we were the first of many companies to build a fiber into the home technology and Florida specifically, which is a tremendous investment. We were, early on, one of the first to pioneer it where other competitors are traditional cable companies. I said, you guys are crazy. That you're spending way too much money. It's not necessary. No one knew that today we would be talking about self-flying airplanes and self-driving cars and everything else that we have today, right? Computers in our hands or cell phones and watches that we can talk to, like all that stuff was stuff of the movies. And so today, now everyone calls us, pioneers and geniuses and all that for what we did. But many years ago, everyone said, you guys are crazy. What are you doing? So, we are the largest privately held communications provider in Florida. we are privately held by Kristin and Michael Karp. What you see there on screen, they've been long time telecom experts and owned several companies prior to Hotwire in the telecom space and real estate and there’s a large real estate portfolio holding as well. So, they have a large real estate company as well on the management and asset ownership side. So, it was a good combination of mixing both worlds. We have a captive audience where we know people in, specifically in condominiums and high rises and single-family communities, were suffering with poor service, bad customer service and very antiquated technology. Ana Sanchez Rivero: And then we had this technology on the other side that we said, Hey, this is a good combination for us, so that we can go to the next slide. Yeah. And it's funny that you talk about, the movies and technology, and I don't mean to interrupt you, but it's funny. I always thought that Hollywood had an edge or some sort of secret embedded person in the government who would tell them about what's coming in the future, because it's amazing how things that we've only seen in the movies truly are now part of our everyday lives. I know that you're going to go into your facility and that's something I've heard a lot about. I know you guys have invited us and our staff to go to take a tour of your facility. I've heard it's amazing. I think you also invite board members because I believe our board, we have a client that we transitioned from the old platform that you were just talking about with bad customer service and bad reception. And you guys came in, you installed the fiber optics, and they haven't had a single complaint. Not one call about any issues. Nope. You invited the board to go to the facility. So, talk to us a little bit about your facility. David Ramos: And I think it's a good segue, from that comment, is look, the reality is there are so many technologies out there that exist, the stuff that we read about and technology that we see in the movies. But the challenge is that at the ground level, when we talk about the end user. The infrastructure that we have in many of these properties, like the one you're mentioning that we know we converted over. the technology. That the infrastructure can't support that technologies. Self-driving cars, for example, they've been out for many years. It's just that our infrastructure out in the streets, the network, the connectivity that essentially gets those cars to communicate to each other and to other cars is not ready. And so, we went ahead, and we built the infrastructure that allows for all these crazy ideas, crazy technologies to be used, in the residential space. Now we have smart homes. We have refrigerators that use wifi. You can set your laundry from your phone. You can name it, there's Bluetooth technologies. There's so much inside our homes, but if you don't have a strong infrastructure, a strong internet connection, fiber fed technology, none of those technologies work well. It just creates frustration. So that's where we build our business model. Now, where does it all come from? And that's what you're referencing, our wire technology center. So, the kids all the time, we do a lot of work with schools and nonprofits are empowering communities foundation, which is, a foundation that helps to bridge the digital divide. Kids don't have internet, they can't study, they can't do work. They're left behind. So, we do a lot of work with, and the kids always ask me, how do you guys make the internet? Wh

    46 min
  2. What to Do Before and After a Hurricane.

    08/26/2020

    What to Do Before and After a Hurricane.

    Ana: Hello, and welcome to Community Association Matters, the podcast that serves homeowner and condominium associations in Florida. And I say Florida now, because we are serving not just Southeast Florida, but also Southwest Florida with offices in both Miami and Fort Myers. So we're very excited about that opportunity. And as always, our goal here is to educate board members and owners of multifamily and even commercial units about the laws that pertain to being a board member and condominium and homeowner associations. As well as what to do to maintain your building, your common areas and, and make sure that you prevent liability and mitigate any problems that may come up. So being from Florida, being in Florida, we all live with hurricanes. That is a part of life. It's something that we've grown, adapted to if you will. And part of living in a hurricane area is being prepared. Knowing what to do, having a plan in place that will get you through that difficult challenge, and then the aftermath. What do we do afterward? Because everybody talks about hurricane preparation, but not a lot of conversations go on about what actually happens after.  So today I've asked my friends, Francis and Rob to join us there from SunFlo Roofing. They have a lot of different expertise, obviously, roofing is one of them, but they also work with one of the leading public adjusting firms in the State of Florida. And they're going to talk to us a little bit about what happens afterward. So I want to welcome Francis and Rob to the show. How are you guys doing? Francis:  Good.  Rob: Good.  Francis: Good morning. Thanks for having us. Ana: My pleasure. Thank you for being here. So as we start the podcast, I always ask my guests to tell us a little bit about themselves. Tell us a little bit about your company. And I know Francis, you said that nowadays we're all working from home with COVID. Of course, we have on top of that hurricane season starting here. And I know you said Robert is going to be on mute for part of the show because he's got his little one. So he doesn't want to be that newscaster that had his kids walking in. So I'll, I'll give the floor over to you, Francis, and share a little bit about SunFlo. Francis: I locked my door, but you know, we have a dog in the house this week, so at some point, you might hear that, but yes, let’s talk SunFlo. That's short for Sunshine, Florida. Florida is known for its sunshine, but it's also known for its hurricanes. It's really bad weather here in South Florida we don't get as much hail, but it's very common in Central and North Florida. Obviously we also get the summer thundershowers which create a lot of rain. We get a lot of tropical weather. SunFlo itself is a roofing division of a group of, construction and companies specializing in residential, commercial, new construction, rebuilds, remodels, and we have a very robust practice in insurance claims, repairs, and rebuilds. Our company is comprised of four owners. Rob and I are two partners in the ownership group. We have partners in the Panhandle, Central Florida, and South Florida. So we're kind of spread around the state. So each of us has an individual experience. You know, we have a broad knowledge base, licensing, and certifications throughout the State of Florida in an array of construction, remediation, and repair disciplines. We jointly possess licenses. We're state-certified building contractors, state-certified roofers, licensed, we're certified mold assessors, and certified mold remediation. We’re certified in home inspections and building inspections.  So, Sunflo incorporated to bring the roofing portion of all these disciplines, that we were doing in a number of these different companies, together. We've been in roofing, between all of us in the partners since 1997. We've put on probably 4,000 roofs during that time. So roofing repair and replacement is one thing that we have a lot of experience in. And so we're going to focus on today.  A lot of what we do when there is an insurance claim actually brings a lot of these disciplines together because the roof is the first part of the building that comes off. But once it's done, it's the most essential portion or ‘the envelope’ as they call it, then you know you've got damage to the inside. You've got structural damage. You've got a lot of moisture, you've got damage to some contents. So we have experienced in dealing with all that and, and we've done, as I said, over 4,000 roofs, new construction builds, including small unit, you know, 30 unit developments, multimillion-dollar family residences, commercial properties over 20,000 square feet, and multifamily housing. We've done emergency catastrophe response, single-family homes to very large structures. For example, during Hurricane Michael, we remediated about 250 homes, put on about 80 or 90 roofs on those homes in the panhandle. Water, hurricane, fire, mold, trauma scene, viral, bacterial in structures, from single-family homes ranging up to 450,000 square feet.  After Hurricane Irma, we remediated the airport Sheraton, which is next to the golf course there by the airport. You can see it from the 836. So we actually had to go in. We had to completely tear out all it, I think it was 400 plus rooms. It's a 350,000 square foot facility. We did the mold remediation, clean, prepare everything for rebuilding, and so forth.  Between our various companies and disciplines, we have a lot of experience, dealing with insurance, not just for the single-family home, but for large commercial structures, formal type, multi-unit, residential. Insurance claims management for repairs is a portion of the business that we're involved in. That really is probably it's kind of esoteric because it's not so much just the construction side of it and the repair and the understanding all that, it’s dealing with the bureaucracy of insurance companies a little bit. So, one of the things that we offer as part of what we do for our particular clients and it's something we're going to recommend that all your property managers and all your audiences in the business, or if you're a, you know, a property owner of a commercial structure is to get into a basic maintenance plan with a roofing company.  Ana: Let's talk about that and about the public adjusting. We're going to segue into that because we have a public adjusting division in our company. So it's perfect that this is something you guys have experience in. That's something that's important after. Let's talk about the maintenance plan. What do you think is a good plan that HOA’s, multifamily, commercial, or anybody really with a roofing structure can undertake now in preparation for a hurricane.  Francis: OK, so the first thing is obviously, there are some things you'll do in advance and we don't want to wait ‘til the last minute. Then there are some things that obviously are going to be done at the last minute. The more you can get done in advance before a hurricane approaches, the less your management team has to deal with in those few precious hours right before a storm approaches.  So an annual inspection, so regular inspection will identify minor damage that can expand in the larger damage when you have strong winds. Leaking that may not seem like a big deal now, but if you have a major rain event and a major winds all of a sudden you're gonna have major leaking into a structure that can cause a lot more damage and much greater loss in terms of payments to the internal structure and the contents. So basic maintenance, these are some things that you should be doing at all times and, you know, any missing shingles, broken tiles, loose or leaking flashing, any other anomaly in the roofing system should be identified and addressed properly. So, as I mentioned for our customers, and it's something you're going to want to look into, and any property managers in the audience are going to want to discuss with their particular contractors, roofing companies. We have a basic annual plan, a maintenance plan, where we come in and we do an initial inspection and then we renew the inspection every year. But the basic initial primary inspection when we come in is identifying the existing damage that requires needed attention to repair. Establish the structural and accessory details for future reference, so we know that we're dealing with a number of squares and that's the overall size of the roof. What accessories, how many penetrations, the type of penetrations, the slope, what kind of roof is it, what's the surface made out of tile, shingle, metal, whatever.  So we already know what we're dealing with. We can give the property manager a better idea of exactly what his roof is all about. Where is it in service life? And then we also advise them about any elements that require their attention if a storm is approaching. Cause sometimes, for storm prep, you need to know what are the closable vents on these particular buildings? What particular removable, dangerous attachments. Is there any removable things that you guys can do to maybe make sure? Cause that's one thing that we often deal with. Folks will put a satellite dish up on the eve, or some kind of flag pole or something else. So that in a wind event, if that tears off it’ll rip off your eve too, all of a sudden it's rough. So those are the kinds of things that we point out to them. Then obviously we provide general basic repair to reduce costs and, and priority response after the loss. And this is particularly important because we've been to a lot of hurricanes and I'm going to tell you when we roll into the city the first thing everybody wants, but it's the hardest thing to come by is a tarp for your roof. So when we priority mitigate damage and we'll talk a little bit about mitigation, later, but we mitigate the damage immediately. We prioritize our plan. We handle the whole entire process and more

    56 min
  3. Your Questions Regarding the Impact of Coronavirus on Associations Answered

    04/01/2020

    Your Questions Regarding the Impact of Coronavirus on Associations Answered

    Ana Rivero: Hi, and welcome to community association matters. The podcast for condominium and homeowners associations. In South Florida. As you know, Ana Sanchez Rivero your host for the podcast. And I want to thank you for joining us today. As you know, we cover a lot of topics that affect condominiums and homeowners and most recently, the Covid 19 phenomena has occurred. And obviously it's a gray situation that's affecting everyone in the world and it's having its impact on associations. So many of our clients have a lot of questions as to what to do and and what does it mean when we're going through this pandemic. We found through hurricanes, and I think most of us pretty much have a hurricane plan in place. We know what to do, but this is very new to all of us, and I think we're just learning our way around. A feeling way around and how to deal with these situations. So I asked David Iglesias, yes. from Iglesia Las Group to join me today so that we can cover some of So David, welcome to the show. How are you today? David Iglesias: Good, how are you? Thank you, Anna. Same thing. I'm working from home. I'm glad to be here, but not under these circumstances with this pandemic and everything else is going on. Ana Rivero: Yeah, this is a truly is crazy, I think. I think all of us can say that none of us have lived through this and it's definitely an extraordinary time. David Iglesias: definitely is. It's, it is for community associations. I think it is for the law. I mean, it's changing every single day and we're trying to just work our way through it. Ana Rivero: So, thank you for being here and I really appreciate that. And I want to start a little bit about, first of all, tell us about you. You've practiced condo law. David Iglesias: I do practice condo law. I've been doing this almost 14 years. I represent over a hundred associations, whether a condo or HOA, and I think one co-op, but I'm, for the most part, it's condo and HOA work. And I used to work for a large law firms, so I'm familiar with. associations on the grand scale as well as on my own here for the last five years or so, doing this type of work. Ana Rivero: Right. And I know that we worked together on a handful of communities, so, definitely look forward to continued growth for both of us. David Iglesias: Yes. Ana Rivero: So let's talk a little bit about coven. obviously we know that it's a, a virus. we know that, it spreads through contact. And, you know, it's, the projections are not looking very well and it looks like we're going to be in this for quite some time. So we, you know, today is March 30th. this is probably going to continue, at least according to president Trump, a lockdown as far as businesses and non essential businesses working from home for at least another 30 days. Right. David Iglesias: That's correct. I mean, from everything I've seen, and you know, our audience who's watching this today, they saw from the president, even the governor this morning who stated that it looks like it's going to be all the way through May 15th as to this so-called stay at home order. I think he said this morning that it's going to be for Miami Dade, for Broward, for Palm beach County, and for Monroe County. So I mean, that's at least another 45 days from now. So yeah. It is, it is considered an emergency. I think that for the last couple of weeks, lawyers been kind of going back and forth as to whether this is an emergency as it relates to associations. but, but yes, it's an emergency. It is an emergency. Ana Rivero: What does that mean exactly for associations? Do they, do they have additional powers? David Iglesias: actually, yes, associations have additional powers. and I guess when we say additional powers. I mean, it really means that some of these things like holding a board meeting, they can hold it, you know, within a shorter period of time than the 48 hours that's normally required. these emergency powers. again, there was a question Mark about them for the last two weeks because the emergency powers you'll find in the condo statute. And the HOA statute really related to hurricanes and things like that. This is really, I don't think it was written specifically for pandemics, like lists, but, it's one of those things that, you know, it now applies. And actually on Friday, the DBPR, the division of business and professional regulations issued an order specifically. I'm relating it to the Corona virus, these emergency powers and to this pandemic. Ana Rivero: And what are those powers say exactly? What did they say in that order that they issued? David Iglesias: So the issue as it relates to the order, basically the, the statute for both the condos and hos had a requirement, related to damage after a disaster. So what the order did was it said, that section doesn't really have to apply now. and, and it further gave it authority as it relates to human health services and their role in all this. So these emergency powers will give the associations the right to again, hold a board meeting maybe first. I'm in a shorter period of time, the 48 hours, let's say they want to close the pool or having too many people there and they just want to close it. Now they can post a notice and, and hold a quick board meeting in order to close the pool in an effort to, you know, keep the, as you stated, you know, the social distancing and other things like that. Ana Rivero: So now that you bring that up, there was a, I think city of Miami mayor. Also, either he issued a decree or sent out an email or an order, two condominium associations. Obviously I directed at the Brickell, but communities that are along the Brickle side of Miami and basically stated that they should shut down their common areas. Now, we had asked our associations. To shut down about two weeks ago when I think the County, I shouldn't order. Since we represent a lot of communities throughout Miami Dade County, some in Broward, different municipalities came in at different times, but as soon as Miami Dade issued one for the County. We told our clients, you should shut down your gyms. You should shut down. the ballrooms or the meeting rooms. That's hold meetings during conferences. But we did have a few clients that gave us a bit of a pushback. They didn't want to close the pool down, for example, because they felt that, you know, kids are on a school and it spring break just passed for us here in Miami day. And what impacts. Was that going to have in the community? For us it was a safety matter. So what do you tell those condominium associations? What? What is their rights under these orders to act well, David Iglesias: the associations. Generally you want to be in these kinds of situations. You want to be as conservative as possible. So if the city of Miami is issuing it to the Brickell, you know, condominiums and Miami Dade County has these orders out, I think you want to follow those. Even the communities that don't want to, they say, no, you know it's is, you know, we'll be careful. We'll have less than 10 people there. You still want to. I would say close the pools because there's always a question about liability. I'm sure in the next couple of months, unfortunately there may be, you know, people who pass away from this and some of our communities, and if they can somehow link that to the pool or claim that somehow the association was involved, there's a potential for exposure liability, whether it's true or not, whether that even applies. I think it's best for the community itself to go ahead and and close the pools. I mean for liability reasons, for safety reasons to avoid as many issues as possible. You're just, you're asking for trouble. I think if you leave these pool areas, open these gymnasiums open at this time. Now, if the association feels. Now this is the best thing for the association. Leave it open then, you know, that may be their choice. There's something called the business judgment rule that allows the associations to make these decisions in the best interests of their community. But from everything I ski right now, I think it's best to close the polls. Ana Rivero: Speaking of liability, how, how much exposure do associations have or individuals even can an individual then has Covid be held? Responsible is they don't, well, 19 for example. That's another question that board members are asking us. David Iglesias: Yeah, that's, that's, that's something I think to some extent that is a new idea in the sense that, you know what, if like you said, somebody has Covid 19 they decided not to quarantine and they would, if they maliciously or purposely try to touch somebody else or you know, get close to somebody else and that person gets infected. Is there a liability there? There may be liability and for the associations for that very reason, you want to make sure you close down these pool areas and that sort of thing. Now as to quarantining or somebody self quarantining, that's something that, the association doesn't really have the power to keep somebody in their house or their condominium. That doesn't mean that the association shouldn't, you know, call the authorities if somebody's violating, you know, a quarantine order. Maybe they should. You know, call the CDC or call their local authorities as it relates to that. But the association itself doesn't necessarily have the power to, you know, keep somebody in their house. Ana Rivero: Makes sense. Now, what if I have a resident that is sick in one of our communities and we just found out about it this morning, and what we did was we drew up a notice where we're advising the residents that someone is sick in the community that. To stay calm and we've, we had been already ramping up with our janitorial staff and the different janitorial companies that we work with, our cleaning of the common areas, obviously elevators and you know, stairwells, but the hand rails and so forth. But obvi

    28 min
  4. 03/04/2020

    Is that Alligator an Emotional Support Animal?

    Ana Rivero: Welcome, welcome to "Community Association Matters". You get to see a name with a face. Finally, and I'm so glad to have you back in the 2020s and new year. So hopefully we'll do a few more of these, podcast vlogs, if you will. And I'm so glad that you guys are back with us and joining us. We have some great new ideas and topics that we're going to be discussing over the upcoming months. And I hope you continue to join us in the future.  So, as you know, our podcasts are sponsored by Allied Property Group. So Allied Property Group is a full service, condominium and homeowner association management firm. We have been serving South Florida since 2003 so a little bit over 17 years, and we can do onsite and portfolio management. So I hope you reach out to us. our web information and contact information will be available at the end of the, of the vblog.  Today is interesting because we have Sal from Jurado and Associates. Jurado law. Perfect. Sal and I have been working together for many, many years. And we were just talking about some exciting news. We've opened up an office in the Fort Myers, Naples area, so now we can service condo through the Southwest Florida corridors. So we're very excited about that. We hope that you guys will, that hopefully this will reach you and you'll be able to contact us and, and learn a little bit about our company. So, Sal has been working with us for, I don't know how long Sal Jurado: 10  12 years, Ana Rivero: Something like that.  Sal Jurado: Yeah.  Ana Rivero: We look very young, so I know it's hard to believe, but we really have been working together that long. So Sal, tell us a little bit about yourself.  Sal Jurado: Yes. My name is Salvador Jurado, of Jurado Law Group. I've been practicing in the area of condominium and homeowners association law since 2006. This is what we do on a day to day basis. We represent both condos. And HOAs.  I teach a class at the FIU College of Law on community association law. So we are very familiar with, you know, all the trending topics, you know, that are, that are coming up. and looking forward to talking about emotional support animals. Ana Rivero: And Sal has three boys.  Sal Jurado: Yes. And they keep me very busy. Ana Rivero: Well, the reason why we asked you here today is because recently, HUD came out with some new guidelines for emotional support animals and service animals. And that is a very hot topic in not only condominium in HOAs, but also in multifamily and residential properties with landlords. And, it's been, kind of like the wild west for the last few years. There's been a lot of new areas that have developed and that I think giving people more freedom to have these emotional support animals that I'm sure are very important and do serve a role. But the fear is always, where's that balance? Right? There's the balance between someone's rights and somebody else's rights. So, to start off what do you want to tell us about the differences between what a service animal is and what as, an emotional support animal.  Sal Jurado: Yes. And that's an important distinction. Before I get into the service animal and the emotional support animal, I do want to read through, what the intent of the HUD laws are. So you have what's called the Fair Housing Act, right. And I'm going to read it verbatim: The Fair Housing Act states that it is unlawful for a housing provider to refuse to make a reasonable accommodation that a person with a disability may need in order to have equal opportunity to enjoy and use a dwelling. So in a nutshell, what that means is if you need an animal to allow you to enjoy your residence, just like any other person kind of thing. Then you should have the right to be able to bring that animal with you into your, into your dwelling. So the rule has been made, it's a good rule. It has, you know, good intentions. But like Ana said, you need a balance, because you do have homeowners that they push and the

    34 min
  5. 09/21/2018

    Hurricane Preparedness 101

    In 2017, Hurricane Irma came by Florida but luckily it was not a direct hit. Unfortunately, it still caused enough damage to a number of people and property. Though there were policies and procedures issued since this calamity, we as individual homeowners, board members, and associations still need to know what to do to get ready for a hurricane.   In this episode of Community Association Matters, Assistant Code Compliance Director Edgard Estrada from the City of Doral explains the things we need to prepare before and after a hurricane hits.   Before the hurricane   Food and water. According to Edgard, 1 gallon of water should be allotted per person per day, while for pets such as dogs and cats, ½ gallon would be enough. Make sure to prepare with enough water for at least 3 days. As for food, it’s best to stock up on non-perishable foods such as canned goods (tuna, Spam, sausages, etc.) which would last you and your family for at least a week.   Hurricane kit. The hurricane kit includes your first-aid: bandages, gauze, medicines like ibuprofen and paracetamol. It also should contain a flashlight and extra batteries. It is good to also have a portable radio for news alerts. Ultimately, the hurricane kit must be easily accessible, and all members of the family should know where it is kept.   Remove lawn furniture. Hurricane force winds can easily blow lawn furniture. This is why Edgard says items like garden gnomes, beach chairs, grills, etc. should be temporarily stored indoors at least 72 hours before a hurricane. If something’s too big to store at home or in a storage shed, then at least tie it down to make sure they don’t become projectiles flying out in a hurricane and cause bigger physical damage to property and individuals.   Tree pruning, trimming, and grass cutting. Tree pruning is important in order to keep trees sustainable, making them stronger and able to withstand strong winds during a hurricane. But some homeowners and community associations don’t know that there is a proper way to prune trees. If done incorrectly, a tree will grow back weaker, and thus the tree (or its branches) can come right off at the slightest force wind.   For this reason, Edgard recommends hiring professional landscapers that have arborists on staff who can perform proper tree pruning and trimming. Standard guidelines (which can be found online) should be followed. Also, this should be done before hurricane season — tree debris can be a big liability to the community in general.   A common mistake some owners make is mowing the grass and blowing the grass blades into the sidewalk and into the street. This should not be done as it can cause clogging of the storm drain, which effectively results into a greater flooding event.   After the hurricane   Assess for damage. Edgard suggests that the first thing homeowners and associations should do is to assess for any kind of damage in the exterior. Clear your driveway. It’s best if you have a chainsaw in the event that there are large trees in your general area.   Look out for hazards. Just because the wind and rain events are over doesn’t mean that danger is over. If there’s flood water, be careful going into waters because you don’t know how deep it is, or it might have cables that can cause serious electric shock.   Also check out for places where stagnant water can be inadvertently stored. Look out for possible mosquito infestations, especially now with the recent diseases like the Zika virus. Check potted plants, empty any fountains and containers that might be filled with water.   Be mindful of other exterior structures as well, such as swimming pool barriers that may have fallen after a storm. Restore those immediately as leaving it unattended may lead to untoward incidents.   Debris removal. Aside from individuals helping out in the cleaning, associations should also try to communicate with landscapers that service the community

    32 min
  6. 08/24/2018

    Can your Association readily file defect claims against developers?

    What happens when a condominium has a construction defect? A construction defect is a problem in the workmanship or in the materials used to build a structure, which ultimately causes harm to a person or property, usually amounting to huge financial damages.   The common solution for many community associations in this circumstance is to file defect claims against the developer of the condominium. Under Florida law, an association can bring claims against a developer within 10 years from when the original construction was completed.   But filing construction defect claims is not as easy as it sounds. In this episode of Community Association Matters, we speak with commercial litigator Phillip Joseph who co-chairs the law firms of Ball Janik. He identifies four common obstacles that associations face which prevents them from filing defect claims against developers…   Board inaction   Philip gives three instances of inaction where board inaction can hinder a defect claim:   The first instance is when a board member holds off filing defect claims due to conflict of interest. Imagine a board member reluctant to bring in claims on behalf of the association because it would hinder his chance of selling his unit.   The second instance is when the board does not take necessary steps to properly investigate the association’s properties for defects such as retaining consultants, engineers, architects, and attorneys to look at possible construction and design issues, and to give advice so that the board can file defect claims.   The third instance is when the board is faced with the reality of construction defects— instead of filing claims, they are paralyzed by the enormous responsibility before them. Board members may tend to hold off on decision making or would want to delegate that responsibility to owners.   Developer’s ‘poison pills’   Phillip says that many developers, in an attempt to avoid construction defect claims, put anti-litigation provisions or ‘poison pills’ in governing documents. These hinder or prevent boards and community associations from bringing claims.   The most common poison pills are the following: to get a majority vote (75-80%) of owners to approve filing for a claim; to give only a short period of time for owners to make the vote (around 60 days); to get owners to approve a maximum litigation budget; and to have owners specially assessed, i.e. all owners have to pay upfront prior to litigation procedures   Though these anti-litigation provisions are often unenforceable, the board should still be careful when dealing with governing documents and should seek counsel with specialized litigators.   Florida state laws   There is a statute in Florida which says that if poison pill provisions are put in the governing documents, Florida law will most likely invalidate those provisions (making them unenforceable). Unfortunately, this only applies to homeowner associations and not condominium associations.   But according to Phillip, though there isn’t a statute directly on point for condominium associations as there is with homeowner associations, if you have a similar poison pill provision that you saw in a case from a different state, like the Trustees of Cambridge Point Condominiums case in Massachusetts, then a Florida court looking at those provisions would basically decide the same as the Massachusetts court.   Trends in the industry   A significant interest of developers, building contractors, and design professionals in Florida’s economy means a lot of ongoing constructions throughout the state. As a result, there are a lot of claims being brought all throughout.   But what is the trend among other states? On one hand, Maryland in 2018 has gone on one extreme by taking matters into their own hands. Maryland legislators no longer waited for a court to decide these issues: they instead specifically passed laws that prevented developers from including poison pill provisions in governing documents.   On the contrary, Utah passed legislature in 2017 which made it extremely difficult for associations to bring claims against developers. First, the board must send notice to all its owners that it’s going to sue. Second, 75% of voting owners must be in favor of proceeding. Lastly, all owners must pay 10% of all the fees and costs of the anticipated litigation.   All states have different trends with regard to legislature, but ultimately, Phillip believes that the solution is to raise the board associations’ awareness about poison pill provisions and educating them to go forward with bringing in claims when necessary.

    48 min
  7. 06/22/2018

    Does your Association have the correct Collection Policy in place?

    In 2008 Americans experienced the worst financial crisis since the Great Depression of the 1930s. The drop in real estate prices caused tremendous turmoil and had far reaching impacts worldwide.  Banking and insurance institutions closed down; the largest mortgage lender and the largest savings and loan companies crumbled; and the auto industry giants had to be bailed out by the Federal Government.  Hundreds of thousands of people lost their jobs and, in some cases, some lost their entire life’s savings.  The economical outlook was bleak!  It was no different for community associations.  Many owners could no longer afford to live in their homes and stopped paying their maintenance fees.   Associations’ receivables reached an all-time high and the number of foreclosures in South Florida went through the roof.  Times were tough!  However, associations with a strong collection policy were able to recover.  The financial crisis of 2008 caused us all to evaluate our economical situations and in some cases we had to wait for the local and federal governments to step in and make a difference.  Today – life is very different.  Unemployment is at its lowest and home prices have climbed back up.  Associations are enjoying low receivables and most do not have a collection problem.  However, that does not mean that one many not be looming and Associations need to be prepared.  Board members must be aware of the collection process and ensure that their association has a good collection policy in place.  In this episode of Community Association Matters we speak with Jason Martell with The Law Firm of Martell & Ozim, PA about the steps taken in the collection process for association assessments.  Jason recommends that the association send a past due balance letter within 15 days after the payment due date.  If the owner does not pay, the association should then submit the account to their attorney for collection.  According to Jason Florida Statutes require that two (2) letters must be sent:  first, a Notice of Intent to Lien letter; and then a Notice of Intent to Foreclose letter.   In a condominium association the Notice of Intent to Lien provides the owner with 30 days to satisfy the delinquency before a lien is recorded.  For a homeowner association the Notice of Intent to Lien must provide the owner with a 45-day notice.  If after the appropriate time has lapsed and the owner has not submitted payment or made payment arrangement with the association, then a Notice of Intent to Foreclose Demand Letter is sent to the owner and a claim of lien is filed against the property.  The homeowner can then contest the lien informally by simply reaching out to the attorney’s office or they can do it formally by submitting and recording a Notice of Contest of Lien in the public records.  The association then has 90 days to file its lien foreclosure lawsuit.  If the matter has not been resolved at this stage then Jason recommends that the association proceed by foreclosing the lien.  Before a foreclosure is filed, Jason’s office takes into consideration whether there is an active bank foreclosure against the owner or if the owner has filed for bankruptcy.   Once it is determined that foreclosure is the best option for the association, the lawsuit is then filed.  The lawsuit must name the following parties: all title owners, unknown tenants, and all inferior lien holders.  All parties named on the suit must be served.  If the unit has a tenant the association is entitled to collect the rent from the tenant until the account is brought current.  If one of the parties cannot be served through individual service or through substitute service, some additional steps must be taken by the attorney to serve via publication.  Once the parties have been served, a party in a lawsuit has 20 days to file a response. If no response is filed the attorney can then proceed to file a default against that individual.  The attorney can then ask for a Motion for Summary Judgement where they ask the courts to enter a judgement in favor of the association.  Once the courts enters that judgment, they will issue a sale date.  The property is then sold at auction.  A third party can purchase the property at the foreclosure auction.  In this scenario the third party winner is likely responsible for all monies owed to the association.  According to Jason, if the association is the winning bidder then it should obtain a writ of possession to gain physical access to the property.  He also recommends that the association acquire basic liability insurance and change the locks.  The association can then rent or sell the property.   Jason clarified that the association is not required to pay for the mortgage nor the property taxes.  If everything goes well the association should recover all of its dues.  For associations that wish to speak with Jason to see how his firm can help them establish a collection policy and collect past due assessments, they may contact him at 407-377-0890 or via email at jmartell@martellandozim.com.  Don’t miss this episode of Community Association Matters.  You can click here to listen in to this podcast.  Don’t forget to subscribe to the podcast so that you don’t miss future episodes!

    51 min
  8. 05/04/2018

    Is your Association discriminating against persons with an Emotional Support Animal?

    Lets assume your community has a no pet policy.  For years that policy went unchallenged, but now your association finds itself with an accommodation request from an owner for an Emotional Support Animal.  Is your association required to approve that accommodation?  Is it legal for you to ask for additional documentation?  What are the consequences if you deny such a request?  These answers are becoming more common today than they were in the past.  With the improvement in technology, associations are facing challenges to their policies and procedures that were unheard of just a few years ago.  In order to answer these questions, in this episode of Community Association Matters, we speak with Donna Dimaggio Berger, Esq. from the law offices of Becker.  First, we have to understand what is a disability.  A disability is a physical or mental impairment, which substantially limits one or more of such person’s major life activities.  Major life activities include caring for oneself, walking, talking, seeing, hearing, speaking, breathing, learning, working, and performing manual tasks.  There are physical disabilities as well as mental disabilities, such as depression, anxiety, panic disorders, stress related issues, OCD, PTSD, learning disabilities, autism, and ADHD/ADD, to name a few.    Next, it is important to begin making the distinction between Service Animals and Emotional Support Animals, collectively called Assistance Animals.  According to the US Department of Justice, a Service Animal must be registered and are trained to do work or perform tasks for a person with a disability.  Service Animals are working animals and are not considered pets.  Service Animals are typically governed by the ADA (Americans with Disabilities Act).  The ADA covers hotels, restaurants, and other public venues, including condotels, and condominiums that have retail space.  However, the Fair Housing Amendment Act does cover associations as they are housing providers and, among other things, it protects individuals from discrimination because of one’s race, color, religion, national origin, sex/gender, familial status, and/or handicap/disability.  According to Donna, an Emotional Support Animal does not need to be registered and is not just restricted to being a dog or miniature horse; an Emotional Support Animal can be any type of animal as long as it does not conflict with municipal or local ordinances.  In addition, an Emotional Support Animal does not need to have a skill other than providing emotional support.  An individual requesting an accommodation for an Emotional Support Animal must provide a letter from a licensed medical professional verifying that the individual has a disability and that one of the major life activities is affected.  The letter should also describe the need for the specific accommodation or modification and must demonstrate the relationship between the disability and accommodation or modification.   In addition, the accommodation must be reasonable.   With today’s technology, some medical professionals may be speaking with a patient through teleconference.  So although the medical professional is not in the same city or country as the patient, an argument can be made that the medical professional is in fact treating that individual.  This is where some it becomes difficult for associations.   How does an association Board of Directors or manager know when a request for accommodation is valid or when it is fraudulent?  If an association denies the accommodation they may be exposing themselves to liability.  Donna recommends that an association adopt as a policy that all requests for accommodation be submitted to the association attorney who can perform additional vetting and rule out possible abuse.   In addition, it is a deterrent for those that are not legitimate.   It is also important that Board members understand that asking someone with a physical disability that is obvious, for a letter from a doctor that may in of itself be a violation.  However, per Donna, if the disability is not easily recognizable then the Board should ask the individual for a letter.  She adds that accommodations can be revoked if the accommodation is no longer reasonable.  Her firm has successfully revoked accommodations in the past.   However, Donna warns associations not to deny a request for accommodation for an Assistance Animal without consulting the association’s attorney.   It is important that all individuals be treated equally and that is why establishing a policy is the best course of action.  It ensures uniformity and in forwarding all accommodation requests to the association’s attorney, the association’s Board is limiting their exposure.

    24 min

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