Inside This Issue:
Publishing the Quorum
Desert Friendly Landscaping
Photo by David Blank
The mission of CAI is to provide the leadership for successful development and operation of
Community Associations through information, research and education.
The Mission of CAI is "to provide the leadership for successful
development and operation of Community Associations through
informative, research and education."
message As our industry grows, we see more and more individuals looking
to build a career that is both challenging and stimulating. Continued
h my, its April, spring is in the air and education is a necessity and provides diversity and the opportunity
what happened to the ﬁrst quarter to achieve higher goals. The Education Committee’s purpose is also
of the year? March ﬂew by, much to promote education and to raise scholarship funds to assist those
like February, and I am proud to say that the individuals seeking the PCAM designation. Please join us on May
Coachella Valley Chapter of CAI is living up to 14, 2010, for the Education Committee Fundraiser Luau, which will
its goal of providing educational, informative be held poolside at Palm Valley Country Club. Never a dull mo-
and interesting breakfast programs, even with ment; good food, great refreshments, and the exuberance starts at
this fast pace. At the March breakfast meet- 5:30 p.m.
ing we learned about what is going on in the
insurance industry regarding earthquake cov- Not only do we have manager education: Attention board members
erage for homeowners associations, as well as our individual hom- and homeowners, we have the upcoming Essentials of Community
eowners, and what earthquake loss assessment provides. Association Volunteer Leadership Course scheduled on Friday, May
21st. Look for the advertisement in this issue.
The April breakfast program will be a panel presentation from a
board member, manager and attorney on the dreaded “Collections”
for Associations. Be sure to ask your board members and ﬁnance APRIL - is the fourth month of the year in the
committee members to attend. Gregorian calendar, and one of four months with
a length of 30 days. The traditional etymology is
Our “Mardi Gras” Annual Business Education & Expo at the end from the Latin aperire, "to open," in allusion to its
of March once again provided a fun-ﬁlled opportunity for manag- being the season when trees and flowers begin to
ers and board members to get to know our business partners and "open," which is supported by comparison with
yet provide the many tools and resources available to educate our- the modern Greek use of (opening) for
selves and obtain assistance from qualiﬁed professionals. Thank spring. April starts on the same day of the week
you, Cyndi Koester, Committee Chair, and her Co-Chair, Gary as July in all years, and January in leap years.
Wolfe, for putting it all together. Everyone seemed to enjoy the April's birthstone is diamond, which symbolizes
added “Scavenger Hunt” for an afternoon. innocence and its birth flower is the Daisy and
the Sweet Pea.
The Spring Golf Tournament has a new location this year: Heritage
Palms Country Club. What a perfect way to get away from our day-
to-day routines and take a break, and a great opportunity to thank Happy Easter!
our business partner sponsors. Mark your calendars for Friday, April
23rd and join in for a round of golf with fellow colleagues, board Gloria Kirkwood,
members and business partners. A day of fun in the sun! Coachella Valley CAI Chapter President
pring in the Coachella valley is famous for its snow-capped
mountains, plenty of nice sunshine and beautiful wild ﬂow-
ers. With more and more of the desert being developed,
wildﬂowers are becoming a rare treasure. Enjoy them while you already appreciate the Quorum and all that
still can. goes into it, you should after reading her
In this month’s issue, we look at something everyone has to deal
with, whether now or later: preventative maintenance. We only put Who doesn’t love the desert in the spring…
it off at our own peril. And speaking of maintenance, our legal case OK; those who suffer with allergies may have
of the month tackles that very issue as it pertains to the community a different opinion, but take heart. With all
association’s responsibilities. of the development in our desert over the
past 100 years, wild ﬂower pollen has prob-
Part III in our exclusive End of Stress series by Patrice Drew, touch- ably dropped to the lowest levels ever. Sure,
es on the importance of connecting with others and maintaining a we’ll sure miss those ﬂowers when the weather heats back up this
wide perspective. There’s some really good stuff here. summer, but most will not miss the accompanying pollen. We’ll just
have the heat to complain about then.
And make sure to check out the article from Jen Smith, designer of
the Quorum magazine, where she outlines all that it takes to cre- Tim Bloom
ate the magazine that you are holding in your hand. If you didn’t Editor
2 QUORUM APRIL 2010 APRIL 2010 QUORUM 3
BOARD OF DIRECTORS EDITORIAL BOARD
Coachella Valley Chapter 2010
Gloria Kirkwood, CCAM, President Tim Bloom
Palm Valley Homeowners Association Brite & Clean, Inc. (760) 346-9274
Cyndi Koester, Past President Assistant Editor
Mutual of Omaha Margaret “Gen” Wangler, Esq.
Fiore Racobs & Powers (760) 776-6511
Chris Baine Dejardin, Esq. BIGHORN HOA, Palm Desert .......................................................7 Green Shopping .................................................................... 26
Peters & Freedman, LLP By: Sue Wiskow By: Valerie Ward JL "Jodi" Brewster
Kristin Berryhill-Hood, CCAM CAI (760) 341-0559
The Prescott Companies
Art Coulter Gothic Grounds Management, Inc. ...............................................8 CLAC Moment ...................................................................... 28
Palm Valley Homeowners Association By: Brian Rouley By: Skip Daum CONTRIBUTING EDITORS
Zoe Lombard, CCAM Tony Brunner
The Monarch Management Group Association Legal Brief ........................................................... 30 Select Realty Services
Shattered! Earthquake Insurance for Community Associations............ 10 By: Gen Wangler, Esq.
Mike Mastropietro By: Matthew Lawton, CIC, CIRMS Patrice Drew
Orange Coast Building Services Albert Association Management
Nena Rutherford, CCAM Instituting a Home Preventative Maintenance Program .................... 32
By: Leslie Spoor Kay Ladner, AMS, CCAM, MCM
Desert Resort Management What Goes Into Producing the Quorum ........................................ 13 Desert Resort Management
Pat Smith, PCAM, CCAM By: Jenny Smith
Veneto HOA Incentives Abound to Convert Turf to Desert-Friendly Landscaping....... 35 Matthew Lawton, CIC, CIRMS
Louise Stettler Going Green with Solar Roof Tiles .............................................. 16 By: Dave Koller Prendiville Insurance
Epsten, Grinnell & Howell APC By: Mimi Jones Stephen J. Roccia
Rob Winkle The Admitted Carrier versus Non-Admitted Debate.......................... 37 QuickPass
Western Paciﬁc Rooﬁng By: Enid Turner, CIC
Brite & Clean, Inc. ................................................................. 22 Brian Rouley
Cardinal Ambrose By: Brian Rouley Rouzell Enterprises, Inc.
CAI Executive Director
Steven Shuey, PCAM, CCAM
41-905 Boardwalk Suite A-2 The End of Stress - Part III ....................................................... 24 Personalized Property Management
Palm Desert, CA 92211
Tel: 760-341-0559 By: Patrice Drew, CCAM Paula Tapia
Fax: 760-341-8443 Pacific Western Bank
E-mail: firstname.lastname@example.org Kelly Taylor
CORPORATE SPONSORS Gary Wolfe
Universal Protection Service
AMS Paving PHOTOGRAPHERS
Bill Richardson (760) 328-8999
Del Mar Paciﬁc Patio Furniture Doctors
Epsten Grinnell & Howell
Fiore Racovs & Powers EDITORIAL ADVISOR
Paciﬁc Western Bank
Cardinal Ambrose (760) 341-0559
Peters & Freedman
CAI Executive Director
Universal Protection Service
Flood Response Jen Smith Design and Graphics (760) 219-4005
LaBarre/Oksnee Insurance Printer of the Quorum
Mutual of Omaha CONTRIBUTING EDITORS GRAPHIC DESIGNER
Sign-a-rama Jenny Smith (760) 219-4005
Western Paciﬁc Rooﬁng Jen Smith Design and Graphics
The materials contained in this publication are designed to provide
SILVER our members with accurate, timely and authoritative informa-tion
Animal Pest Management with regard to the subject covered. However, CAI Coachella Valley
Empire Community Painting Chapter is not engaging in the rendering of legal, accounting or
other professional types of services. CV Chapter has not verified the
Jen Smith Design & Graphics contents of these articles or advertising, nor do we have the facili-
Sky Security ties or the personnel to do so. Readers should not act on the infor-
Sunshine Landscape mation contained herein without seeking more specific professional
Tim Tony Patrice Kay Matthew Stephen Brian Steven Paula Kelly Margaret Gary advice from legal, accounting or other experts as required.
BRONZE Bloom Brunner Drew Ladner Lawton Roccia Rouley Shuey Tapia Taylor "Gen" Wolfe The Coachella Valley Quorum Newsmagazine
Advanced Painting & Construction Wangler is a publication expressly prepared for our Association leaders,
Artistic Mainenance managers and other related professionals of the Community
Bower Security Associations Institute. Authors are encouraged to submit
articles for publishing consideration. All articles accepted for
O'Connell Landscape Maintenance publication in the Quorum are subject to editing and rewriting
Prendiville Insurance Agency by the Publications Committee.
The Gateworks Group Community Associations Institute
COACHELLA VALLEY CHAPTER
Three Phase Electric Photo by Ethan Kaminsky 41-905 Boardwalk, Suite A-2, Palm Desert, California 92211
4 QUORUM APRIL 2010 APRIL 2010 QUORUM 5
By: Sue Wiskow
BIGHORN is an exclusive, 1150-acre, residential community size from 2,300 square feet to 30,000 square feet. Remaining
and private golf club located on Highway 74 at the southern available home sites average $2.5 million and homes current-
boundary of Palm Desert. It is nestled at the base of the ly range from $1.6 million to $13.5 million, although many
Santa Rosa Mountains which provides the community with of the homes that haven’t come on the market are valued at
spectacular views of the Coachella Valley and surrounding signiﬁcantly more. To date, 421 homes have been built on
mountains. BIGHORN’S continuing philosophy of excellence 535 developed home sites. The Architectural and Landscape
in development is based on its design intention to integrate Control Committee of the Association continues to be very
all improvements with the natural desert environment, to active, with ﬁve homes under construction and 21 homes in
achieve “harmony with nature.” various phases of review. Homeowner assessments are $670
Development of BIGHORN began in 1990, but constant im-
provement and revitalization continues even today with new Less than 5% of the Association Members are full-time resi-
phases of residential development, infrastructure, common dents. While the Club is separate from the Association, the
areas as well as new amenities to the Club (including a new vast majority of Association Members are also Club Mem-
spa, marketplace, restaurant, pool/event area). BIGHORN bers.
Development, LLC, the developer, has never stopped its
quest to make BIGHORN one of the premier residential, golf The Association’s assets include onsite ofﬁces for the As-
communities in the world. sociation’s administrative and management staff, 40-person
grounds maintenance department, 40-person Privacy Depart-
The Canyons and Mountains golf courses, which are known ment, 24/7 manned Central Monitoring Station, two roving
to viewers worldwide because of the many televised golﬁng patrol vehicles, four manned entry gatehouses, state-of-the-
events hosted at BIGHORN over the years, have about half of art privacy system, beautifully maintained natural common
the turf typically used for an average course. The limited turf areas and brick-paver streets. The Club amenities include the
and all landscaping being on drip irrigation, assists in water two golf courses mentioned above, Clubhouse, award win-
conservation, and helps to retain native habitat. The land- ning pro shop, seven restaurant venues, including the Can-
scape materials and plant species in all common areas and yons Steakhouse, Golf House, Pour House, and Marketplace
along the courses at BIGHORN are natural and indigenous to (with Starbucks coffee bar), European Spa and Wellness Cen-
the area, with the exception of the several hundred Saguaro ter, tennis courts, dog park and more.
cacti, which were carefully transplanted from Arizona. BIG-
HORN, from its inception, has always sought to bring to the The BIGHORN Homeowners Association management is
forefront the beauty of its natural surroundings while conserv- onsite and shared, and consists of a ﬁve-member Board of
ing water and energy by using a naturally drought tolerant Directors, Privacy Director, HOA and ALCC Coordinators
plant pallet. and Golf Course Manager. These individuals along with their
staffs make BIGHORN the uniquely beautiful, service orient-
In addition to extensive areas of natural habitat within the ed retreat our Association Members enjoy. We believe the
community, BIGHORN has dedicated approximately 400 individual attention paid to our homeowners and the care
acres to the city and state as preserved, natural lands. Most of and effort expended to maintain the community’s amenities
the acreage of these dedications was contiguous to National and natural environment are the elements that bring our ho-
Monument lands and include hiking trails for members and meowners back year after year.
Like all associations, BIGHORN is addressing energy issues.
Homes are all single family and free standing and range in We feel we have been a little ahead of the curve on this,
6 QUORUM APRIL 2010 APRIL 2010 QUORUM 7
although we continue to evaluate new ways to save energy ties. The committee members often meet three or four times
while not compromising on the delivery of services and ame- between meetings to review in-ﬁeld conditions in response to
nities to our homeowners. We have upgraded air condition- requests from Association Members or their consultants
ing units, electrical and irrigation facilities, including efﬁcient
pumps and motors. We have a very sophisticated computer- The Association’s business partners include Burrtec Waste
Gothic Grounds Management, Inc.
By: Brian Rouley
ized irrigation system and we own our own irrigation wells Management and Time Warner. Fiore Racobs & Powers
Rouzell Enterprises, Inc.
(which are monitored regularly and serviced on a regular serves as legal counsel to the Association. All other mainte-
periodic basis). Landscaping and interior ofﬁce lights have nance and services are performed by the Association’s onsite
been switched out for more efﬁcient ﬁxtures and bulbs. Of- staff. othic Grounds Management, Inc., is a Riv- plant diagnosis. Gothic's partnerships include most of the
ﬁce equipment is evaluated annually and new purchases are erside based company providing land- major homebuilders doing business in the southwest and
always evaluated for energy efﬁciencies. Passive energy ef- An Association Board member states: “A testament to the
scape maintenance and specializing in it maintains model parks for many of the most prominent
ﬁcient practices are utilized – tree plantings for shade, over- satisfaction of Association members is the lack of attendance
the care and upkeep of association common areas, homebuilders in the United States.
hangs, building and window orientations for the purposes of at every annual meeting of the Association. I think the highest
homebuilder model parks and commercial develop-
mitigating high temperatures that are prevalent in the sum- number of members attending was 11, and that was several
ments. The company began its business life as a divi- Jonathan Merry states: “We joined CAI because we knew
mer. years ago. Also, the support for the board’s slate of candi-
sion of Gothic Landscape, now the largest privately it would be a great networking opportunity. The past
dates has never been challenged and has made for continuity
held, family-owned landscape chapters have been a huge suc-
We have one committee, the Architectural and Landscape of direction for the Association.”
company in the United States. cess and we know that Coachel-
Review Committee, whose responsibility is the design review
of improvements proposed by property owners to maintain Manager Sue Wiskow states that her role at BIGHORN is la will also bring great results.”
consistency with the design parameters and goals set forth in unique: “An onsite ofﬁce is always at the beck and call of Founded by the late Louis and Gothic's members are active in
the CC&R’s and Design Guidelines. The committee continues members. Although this can be challenging it also allows Judy Georgio in 1984 in their the golf and events committees
to be active; typically it meets every other week to review me to get to know the Association members on a more per- small residential garage, the in Coachella and LA Chapters,
formal submittals by property owners or their contractors or sonal basis and more casual basis. It isn’t always to solve Gothic culture was developed respectively.
design professionals. Reviews range from new residences to problems, sometimes it’s just to say 'Hi' and see how things and nurtured into the multi-state,
remodels to landscape or exterior changes to existing proper- are going.” full-service landscape conglom- If there is a single mantra that
erate that it is today. Gothic drives the Gothic Grounds Man-
Grounds Management was in- agement's corporate mission, it
corporated as a business entity would be to “work diligently and
in its own right in January 2006 incessantly to ensure that every
and is exceedingly proud of the meticulous work done to single Gothic employee strives to ‘proudly create an un-
enhance and maintain the environment. paralleled client experience’ for all our customers.”
Michael Georgio serves as Chairman of the Board and You can contact Gothic Grounds Management, Inc.
Chief Executive Ofﬁcer for Gothic Landscape, and Jon in Riverside at 6848 Magnolia Avenue, Suite 100 Riv-
Georgio serves as Gothic Landscape's President. Since erside, CA 92506 – by phone at: (951) 212-2048, or
Gothic Grounds Management inception in 1996, the email@example.com. Or vist Gothic's website,
maintenance operation has been led by Ron Georgio, www.gothiclandscape.com.
who serves as President, Gothic Grounds Management.
The vision at Gothic Grounds Management’s corporate
level is to provide day-to-day support to its geographically
separated branches while giving these same branches the
freedom to be creative and fully expose “The Gothic Ex-
perience.” Gothic currently employs 400 people in its
service covering three states. It has been a member of
CAI in the Coachella Valley and Los Angeles areas for
over six years and currently have nine members in the
With a long list of services, Gothic Grounds Management
can provide for every need. Beyond the obvious main-
tenance, tree trimming and irrigation services, it also of-
fers water management, weed abatement, soil testing and
8 QUORUM APRIL 2010 APRIL 2010 QUORUM 9
So, let’s assume a major earthquake will likely happen in our Insurance for a homeowners association is a little different
Shattered! lifetimes, in and around the Coachella Valley. We’ve all seen then your auto, home or even commercial business insurance.
the recent destruction of Haiti and Chile and can only imagine Generally speaking, if you live in a condominium project, and
Earthquake Insurance For Community Associations the sorts of damage that may occur here. With that in mind, are there’s a ﬁre, your association’s insurance will cover the struc-
By: Matthew Lawton, CIC, CIRMS you prepared? Do you have a family emergency plan? Now tures and common areas, while your own personal condo-
Prendiville Insurance Agency is the time to take advantage minium insurance will cover
of “time” and prepare as best your interior belongings. The
t seems that everywhere you go these days, people are two inches per year. Depending on where you’re standing you can. Think of what you same general concept works
talking about the next big earthquake, and rightly so. in the Coachella Valley, you can either be on the enormous need to do before the earth- for earthquake insurance.
The last signiﬁcant Paciﬁc plate (which goes all quake, during the actual Your association needs to
earthquake on the Southern the way out to Hawaii and earthquake, and immediately have an earthquake insur-
California stretch of the San Generally speaking, your asso- down by Australia), or the gi- following the earthquake. ance policy for the structures
Andreas Fault was in 1857, gantic North American plate and common areas, while
and there has not been a
ciation needs to have an earth- (which pretty much covers Obviously the most impor- your own personal condo-
rupture of the fault along its quake insurance policy for the the entire northern region). tant considerations are safety, minium earthquake insurance
southern end from San Ber- You can actually “see” this
structures and common areas, family and then possessions. policy covers your interior
nardino to the Salton Sea fault line running through our With the latter in mind, if you belongings. In this scenario,
since 1690. while your own personal condo- mountain ranges and visit it live in a homeowners asso- the unit owner can not pur-
Earthquakes in California are minium earthquake insurance at places such as the Thou- ciation, do you have personal chase earthquake insurance
caused by the movement of sand Palms Oasis. There you earthquake insurance to cov- to cover the entire buildings
huge blocks of the earth’s
policy covers your interior be- can walk along the trails and er your valuables, relocation expenses and interior upgrades? or structures—only the association can.
crust—the Paciﬁc and North longings. observe the massive forces Does your association have a master earthquake insurance
American plates. The Paciﬁc of the San Andreas Fault at policy in place? Now is the time to get things in order, before When it comes to getting earthquake insurance for a commu-
plate is moving northwest, work grinding up a unique, a disaster occurs. nity association, it doesn’t actually help to have two or three
scraping horizontally past North America at a rate of about ﬂour-like soil; a simple reminder of what may come. different insurance agents working on the earthquake quote.
continued on next page
10 QUORUM APRIL 2010 APRIL 2010 QUORUM 11
Earthquake insurance companies will usually only deal with unit deductible, depending on the size of your association. But
one qualiﬁed agent for your association. If that company were now you ask, “Who the heck is going to pay the $50,000 per- What Goes Into the Publishing the Quorum
to notice different quotes for one association being submitted unit deductible? Most unit owners don’t have that kind of mon- By: Jenny Smith
by different insurance agents, it appears that the association is ey lying around.” So what are you supposed to do now? You Jen Smith Design & Graphics
simply shopping different rates and is not genuinely interested inform your membership of the association’s earthquake policy’s
in getting a policy in place. deductible and you suggest that each unit owner purchase their roduction of the Quorum magazine goes through that are no longer running or are only running in certain
own California Earthquake Authority policy with Loss Assess- a long process every month. It begins with the all- months. Then she designs and places the promotional ads.
An association should look for a qualiﬁed insurance agent who ment coverage of $75,000. Now if the individual unit owner is volunteer Quorum Committee meeting to discuss Then begins the tedious work of placing all of the articles
specializes in community associations and has access to the assessed $50,000 by the association to cover earthquake dam- the upcoming articles and decide on any changes to the around the ads, ﬁtting the text into the spaces available
California Earthquake Authority. This same agent could then age, this CEA policy will take care of it. magazine. The Committee makes decisions on the next and moving articles to different pages that might ﬁt better.
help your members get their own personal earthquake cover- two or three issues: what articles will be written and by Some articles come with photos and pull quotes that are
age. Check the agent’s references, and once you make your Earthquake insurance may seem excessive and costly, but it will whom, what design changes might be made and what up- placed within the article, but most of the shadow prints
decision, give him or her as much advance time as possible to certainly be helpful. To paraphrase the Rolling Stones, “time
coming events need to be featured. On the ﬁrst of the in the corner and many of the photos within the articles
month the articles are submitted to our editor, Tim Bloom. are purchased from stock photography websites. They are
get your earthquake policy together. is on our side,” at least for now it is. Do what you can now to
He reviews them for content and formatting speciﬁcations, purchased rather than taken off the web to avoid copyright
prepare for the next big one. It may be here sooner than we
within the writing guidelines set forth by the Committee. issues.
Next, make sure you get the proper amount of coverage. Almost think!
Cardinal Ambrose, the Executive Director, is in charge of
all earthquake policies will refer to the association’s CC&Rs by making a list of all of the advertisers and promo ads that Once everything is in place, two copies are printed and
stating that the policy will provide coverage for items the asso- Matthew Lawton has earned both the Community Insurance and are to run in the current issue, called a “run list,” and sub- bound. One copy goes to the Editor and one copy goes
ciation is responsible for insuring. Now that you’re ready to get Risk Management (CIRMS) designation as well as the Certiﬁed mits those to Jenny Smith, the designer. Tim submits the to Gen Wangler, the Assistant Editor. The Editor looks for
your quote, don’t be scared off by the deductibles—a smaller Insurance Counselor (CIC) designation. Lawton can be reached edited articles to Jenny as well. All members adhere to a obvious errors and design elements and the Assistant Edi-
deductible may make more sense, but will increase the cost, at Prendiville Insurance Agency at 760-770-5868 or via strick production schedule to keep the Quorum moving on tor looks for spelling and grammar. Those proofs go back
while a higher deductible will help control the premium. Your Matt@PrendivilleAgency.com. time. to the designer who makes the changes according to the
association’s earthquake deductible may be as high as 20% of revision notes written on both copies. Two more copies
your association’s total insured value. This will lower the policy The designer begins by checking all of the paid advertis- are made and one goes to Cardinal and one goes to Jodi
premium dramatically, but could easily turn into a $50,000 per- ers on the list and adding in any new ones and pulling any Brewster, the Managing Editor. Cardinal checks all of the
12 QUORUM APRIL 2010 APRIL 2010 QUORUM 13
sponsors and ads including the promo ads. Jodi checks for The printer orders the ink and paper and issues prepress in- removes all unnecessary parts and leaves what is needed After the printing is done, the ink has to dry for about eight
any other spelling and grammar errors and checks all of the structions and a work order. Then the ﬁle goes to the pre- for the image. The printing is called “four color process.” It hours before it is cut. Then it goes to bindery where it is
previous changes to the two proofs that were submitted press unit for “preﬂight." During the preﬂight, they check takes four different colors to create the illusion of full color sorted into books, stapled and trimmed. All of this is done
with her working copy. At this for errors in color and missing so each plate has to be repeated four times, one for each in one process on one machine. All the scrap paper and
point, the rest of the changes are fonts. If it all checks out they color. The colors are put down in materials are recycled. The ﬁnal
completed via email. It’s down do what is called “ripping” the a “rosette pattern” that is invisible step is boxing and they are ready to
to the nitty gritty now and just a ﬁle. That is putting the ﬁle to the naked eye and blends togeth- ship.
matter of commas, periods and into a language that the other er visually. The inks are vegetable
colons. There are a few word equipment can understand so based inks used for environmental Most of the magazines are delivered
changes and a few spelling cor- they can continue the process. reasons and eco-friendly disposal. to the mailing house to be sent to
rections and perhaps a ques- They send a proof back to Jen- The plates are not reusable but are CAI members and the remainder
tion or two that needs to be an- ny so she can check for any recyclable. go to the CAI ofﬁce for hand distri-
swered but the changes at this changes or errors that have oc- bution. For each issue, the whole
point are minor. curred in the process of ripping The job is run on an eight color process takes about three weeks to
and if everything looks good, press that prints both sides in a complete. It all comes together at
Now that all of the changes she gives her approval. single pass in about half the time of the end of the month with the Quo-
have been made, it is time to a traditional press. This process is rum magazine landing on members'
take it to the printer. The graph- From that point, the printer called “perfecting” and the press is desks around the beginning of the
ic designer goes through several makes a hard copy proof for called a Komori Lithron 8 Color 40 following month.
complete checks to make sure the plate maker, pressman and Inch Perfector. This press was the Rosette Pattern
every ad is lined up, every article has the little CAI house bindery department to construct the ﬁnal piece. Color la- ﬁrst of its kind in California at the Jenny Smith is the designer and pub-
logo at the end, no sentences have been dropped, every ser proofs are made to check the color correctness of the time it was purchased and was a model piece of equip- lisher for the Quorum magazine and a full-service graphic
picture is in place and the magazine looks perfect. She hard copy. Upon conﬁrmation of the color, the job goes ment for the Western United States. The press has a tunnel designer. She can be reached at 760-219-4005 or
then creates a PDF document that is ready for press and to the plate maker. A coated sheet of metal is burned with underneath to maintain the lower parts. firstname.lastname@example.org.
submits it to the printer. lasers and the image is etched into the plate. A processor Website: www.jensmithdesign.com.
14 QUORUM APRIL 2010 APRIL 2010 QUORUM 15
rooﬁng contractor. It is important to ensure that the attic able styles of various materials. It is best to make your
One Green World is properly ventilated and that the valleys, eaves and roof-
rooﬁng material decision after viewing samples of your
options. Your roofer
Going Green with Solar Roof Tiles are properly ﬂashed to
help prevent water in-
or local rooﬁng sup-
ply distributor will
By: Mimi Jones trusion. It is important also have samples on
Emerald Roofing, Inc. to choose a contrac- hand.
tor that is licensed and
insured. From there, The potential of feder-
ur desert community is the perfect place to by preventing leaks and protecting the home or building you should get bids al tax credits, state re-
provide solar products, as we have sunshine all it covers. The rooﬁng contractor can replace four roof from three contrac- bates and the knowl-
year round. The technology and the beauty of tiles with one solar tile. A hole is drilled underneath tors for your project. edge that solar homes
these products have come a the panel to run the wiring to Choose a contractor and building appraise
long way in the last decade. the garage. The roof is then with whom you feel for signiﬁcantly more
A solar tile has been created sealed tight to prevent pene- comfortable, that un- than the cost of invest-
to integrate into the rooﬁng This solar tile integrates tration. The electrician runs derstands your project ing in the technology,
system. Not only is this prod- seamlessly with the exist- the wires to an inverter in and whose bid is clear means that the solar
uct energy efﬁcient, it has an the garage, which converts and understandable. choice makes sense
appeal to the builder and the
ing concrete tile, retaining DC energy into AC power. ﬁnancially as well.
homeowner. the aesthetics of the roof. It is wired to the meter panel Find a solar tile rooﬁng Solar panels shaped like clay tiles
to run kilowatt hours off the company that will han- Mimi Jones is the
This solar tile integrates meter. dle everything from Owner, Secretary and
seamlessly with the existing the engineering to the permitting to the rebate process. Treasurer for Emerald Rooﬁng, Inc. and can be contacted
concrete tile, retaining the aesthetics of the roof. The ﬁt Rerooﬁng your building can be a time consuming task. When considering your rooﬁng material options, look at mimi@emeraldrooﬁng.com or 760-347-9869.
also helps maintain the integrity of the rooﬁng system The installation of your roof is the responsibility of your into the durability, warranty, energy-efﬁciency and avail-
16 QUORUM APRIL 2010 APRIL 2010 QUORUM 17
warehouse with beautiful donated plants and trees that If you have any changes in your contact information or
HAVE YOU HEARD?
transformed Sunshine Landscape’s warehouse into genu- business, please submit them to Cardinal Ambrose at Cam-
ine “OK Corral.” Cyndi Koester of Mutual of Omaha Bank email@example.com. This way there is no lapse in receiving
brought the ‘photo fun’ with the Sweethearts Photo Booth local Chapter and National material and information and
that offered everyone the opportunity to have his photo helps keep our database current and up to date.
taken, plus a complimentary copy to take home. Hats off
ranite Construction Company, Southern Cali- of our social events this year. The Education Committee and special thanks to all the committee volunteers as well. The Have You Heard column is here for you to help us
fornia Region, has been notiﬁed that the Design "Hawaiian Luau" Fundraiser is now being held on Friday, It is their very hard work and devotion to creating a truly get out your information. Send in your items of interest to
Build, Construction of Monument 250 Roadway May 14, 2010 at Palm Valley Country Club. Casino Night fun event for all that made this ﬁrst ever event so success- Cardinal Ambrose at firstname.lastname@example.org to get your
and Primary Border Barrier Fence has been selected as a has been moved to Friday, June 18, 2010 and the Fiesta ful. It wouldn’t have happened without co-Chair Wendy news out to the membership.
ﬁnalist in the Meeting the Challenge of the Difﬁcult Job Bowl’s new date is Friday, July 23, 2010. Event locations Van Messel, Chapter President Gloria Kirkwood, and
– Heavy Engineering Classiﬁcation category for the 2010 and details will be available and shared with the member- Vanessa Robertson, all of Desert Resort Management,
AGC California Constructor Awards. ship in the near future. Kristin Berryhilll-Hood of The Prescott Companies, Cyndi
Koester of Mutual of Omaha Bank, Carlos Contreras and
Pat Smith, CCAM, PCAM, has joined Securitas Security Congratulations to Vanessa Robertson of Desert Resort Jesse Contreras of Sunshine Landscape, Zoe Lombard of
Services, USA, Inc., as a part-time Business Development Management on her successful completion of the M-100 Monarch Management, Ernie Casto of MC Builder Corp.,
Associate. Pat can be reached at (760) 275-6557 or via pa- class. Great job, Vanessa. Keep up the good work. Larry Hooper of Popular Association Banking, Brent Sher-
email@example.com. Pat continues her work as man of Animal Pest Management and our very own “su-
association manager at Veneto Homeowners Association. There was so much fun going on at the Coachella Valley perwoman” Cardinal Ambrose, Executive Director of the
Chapter’s Country Western Roundup event that it was CV Chapter. Thank you and WELL DONE!!
The Chapter's Board of Directors has changed its meet- hard to ﬁt all the happenings into one article. Dionne Pe-
ing times. The Board will continue to meet on the fourth tipas of Three Phase Electric and Chair of the committee The Quorum Committee is always looking for articles to
Monday of the month; however, the meetings will be held would like to dole out a few more well deserved “thank run in the magazine. Writing Guidelines are available and
at 8:30 a.m., at the CAI ofﬁce. yous” to show her heart felt appreciation and gratitude. can be sent to you via email if you are interested in sub-
Sun City Nursery did an outstanding job decorating the mitting an article or know a member that would like to
Please note that there has been a change of date to three contribute.
Thanks to our
Del Mar Paciﬁc
General Contractors, Inc.
Empire Community Painting
MC Builder Corp
Painting & Construction
Prendiville Inurance Agency
Three Phase Electric
Insurance Agency, Inc.
18 QUORUM APRIL 2010 APRIL 2010 QUORUM 19
it on your windows and shower doors. Fortunately, Tim’s High-pressure washing and steam cleaning is another sought
Time Honored Member family has developed a product to safely and effectively re-
move water-stain build up. In ad-
dition to offering a water-stain re-
moval service, they also sell their
after service provided by Brite & Clean Windows. Whether
removing spider webs from walls,
dirt and dust from sand storms or
patios, sidewalks and driveways,
Brite & Clean, Inc. product, the Simple Solution, at
local hardware stores like Ace
nearly every hard surface out-
doors can also be made to look
By: Brian Rouley Hardware, True Value and Do-It- “brite & clean” with the pressure
Rouzell Enterprises, Inc. Best stores, and around the US. washing services provided by
Brite & Clean Windows. Improve
indow cleaning has mercial window cleaning of club- Eleven years ago, Tim invented a the look of the driveway at your
been a family trade houses, guard houses and com- device for the company called Di- entry gates or just improve the
for Brite & Clean mercial buildings. Brite & Clean amon-Fusion that transforms glass look of your home. Either way,
Windows for 40 years. Tim Windows performs monthly win- and shower doors into a non-stick trust Brite & Clean, Inc. with the
Bloom, the owner, was taught dow cleaning contracts covering surface, much like how Teﬂon® tasks and chores that no one re-
the basics of the trade by his fa- from Riverside to Indio, and all creates a non stick surface on pots ally wants to do … windows.
ther, who incidentally, had paid points in between. and pans. This Diamon-Fusion®
his way through medical school technology is patented and used Find out why 85% of the com-
in St. Louis, Missouri performing Hard water stain removal is a around the world by the United pany's jobs are repeat or referral
window cleaning for storefronts persistent problem in Southern States military, manufactures like customers. These guys really love
and businesses. California in general, and more DuPont, as well as building and what they do.
speciﬁcally here in the Coachel- home maintenance companies
Here in the Coachella Valley, res- la Valley. The groundwater in to protect surfaces, making them Tim Bloom is the owner of Brite
idential window cleaning is the the Valley is rich in minerals. more durable, staying looking like & Clean Windows and can be
single largest segment served by Now that’s good for your body new and easier to keep clean. reached at 760-346-9274 or firstname.lastname@example.org. His
the company, followed by com- to drink, but it’s bad if you spray website is www.briteandclean.com.
22 QUORUM APRIL 2010 APRIL 2010 QUORUM 23
how your brain functions. down an answer, notice the mounting
The End of Stress III To attain that shift in attitude and to catastrophe in your answers. How likely
By: Patrice Drew, CCAM stop stress, Mr. Goewey gives the fol- is any of this to happen? At the conclu-
Albert Association Management lowing advice sion, ask yourself “Who would I be with-
out these fears?” Be that person.
Stop thought attacks. He says the
From an interview with Don Joseph Goewe, author of mind makes up emergencies that the Start the day in quiet reﬂection. Set
“Mystic Cool”, published by Simon & Schuster The third point in Mr. Goewey’s process concerns connec- brain believes are real, and launches your intention to have a great day, ﬁlled
tion with others. We all know people that reach out and are
the “ﬁght or ﬂight” reaction, upset- with achievement, and sustained with
his is the third of four articles on stress manage- open to fellow workers, both in the ofﬁce and community. ting brain chemistry. The vast major- a peaceful attitude. Every few hours in
ment, based on Don Goewey’s book “Mystic These people are often those who have a fundamentally ity of panic thoughts are false alarms. the day, connect with life. Look at the
Cool.” The goal is to develop a brain that sustains positive attitude. Mr. Goewey says that “creating a sense We can’t always stop stressful, anxious sunshine, rain fall or wind blow. Once a
peak performance, and each individual of connection…helps us to listen better, thoughts from occurring, but we can week, count three things that happened
part contributes to this goal. judge less and forgive more.” Some of defuse them by not believing them. Be- for which you are grateful, and three
these qualities may not feel much like lieving they are true lights the fuse. We things that you found positive events.
The ﬁrst two articles of the series fo- the professional work arena, but getting can have a thousand stressful thoughts Take a walk. Walking is not strenuous
cused on being “in the moment” to away from power positioning, it is there in a day, and if we don’t believe any and your leg muscles don’t gobble up
help stop incessant thinking. Think- for all of us. of them, we have a great day. Believ- the extra oxygen and glucose as during
ing that overtakes and clouds accurate ing just one of them can ruin the whole day. Distract the aerobic exercise. Walking actually increases the amount of
evaluation of work situations, thinking The fourth quality in Mr. Goewey’s mind. Count to three slowly, turning off the thought. This oxygen and glucose that reach your brain.
that promotes fear and contributes to process is the importance of gaining a simple exercise transfers control of the brain from primitive
unfavorable outcomes. The second is wider perspective and seeing a larger to higher brain circuits, where you can excel. Next month will be the fourth and ﬁnal part of this series
achieving a stance in life that encour- picture over the pieces of daily life. on stress management and will focus on the brain and Mr.
ages a strong and healthy attitude, an Pieces of our daily life could be our Ask yourself the question: “What am I afraid of?" Write Goewey’s methods that help management teams become
attitude that isn’t threatened by outside board, our homeowners, our company, down the answer. Then ask yourself, “If this is true, what higher performers that sustain peak brain performance.
events, faces challenges conﬁdently, and our daily workload. It requires a am I afraid of?” Each time you ask that question and write
and helps ﬁnd possible solutions. shift in attitude that will actually change
CAI National Conference
April 28 - May 1, 2010 "Hawaiian Luau"
Caesars Palace Resort & Casino
Friday, May 14th
3570 Las Vegas Blvd., South • Las Vegas, NV 89109 Palm Valley Country Club
Call reservations directly (702) 731-7222
and tell them you are with CAI.
Palm Desert, CA
Networking and social functions enhance your learning Tickets: $25
experience and give you an opportunity
to make personal and professional contacts.
$1,000 Grand Prize Rafﬂe
Your registration fee gives you access to: Tickets $20
• Renowned speakers who will share practical, useful
strategies and tactics—not just theories
• Interactive sessions and advanced-level topics Sponsorship Opportunites:
• Several tracks of education sessions
• Networking opportunities at morning coffee breaks Support Education Scholarships
and evening receptions
• An exhibit hall where you can learn from leading for our Manager Members
suppliers of products and services for communities seeking to obtain the
• A chance to win cash and prizes in the exhibit hall
• Earn CEUs toward your recertiﬁcation or redesignation
24 QUORUM APRIL 2010 APRIL 2010 QUORUM 25
2. Patrol the Packaging. When possible, compare products • Ship products through the U.S. Postal Service be-
Recycling Tip of the Month and opt for the item with less packaging or packaging that
is more easily recycled.
cause it is most likely coming to your neighbor-
hood to deliver mail anyway.
Green Shopping Glass can be a better choice than plastic, for example, be-
• Recycle or reuse all shipping material.
By: Valerie Ward cause it does not downgrade when recycled and thus is Label Watch
Burrtec Waste & Recycling more valuable.
Not all products claiming to be green live up to their prom-
Learn what is accepted at your local recycling center and ises. The Natural Products Association, which represents
iving green is much broader than simply disposing for last if you plan to purchase items that need to be re- makes choices based on that information. Get in the habit more than 10,000 natural product companies and retail-
of products responsibly. Monitoring what items frigerated or frozen. If you are only picking up a few items, of checking all plastic containers to see if they are recy- ers, reports that Americans spent $7.5 billion in 2006 on
come into your home and how they arrive is just consider walking or riding your bike. clable. A number surrounded by arrows should be printed personal care products that claimed to be all-natural but
as important as how they leave. Smart shopping habits somewhere on the item, often the bottom, which denotes often were not.
are key to decreasing your carbon footprint and are often 4. Carpool. Take roommates, friends and family to the store the type of plastic and how it is recycled. Plastics #1 and
more gentle on the wallet. with you. You will use less fuel, and you may not have to #2 are the most commonly welcomed of the plastic family, You can feel safe with the term “organic,” which is moni-
carry in as many groceries by yourself. but some centers accept all seven types. tored by state and federal agencies. Look for other trust-
Before You Go worthy labels such as ENERGY STAR, Forest Stewardship
At The Store 3. Buy Reusable and Long-lasting Items. Save money, en- Council, Good Housekeeping Green Seal and GREEN-
1. Make a Shopping List and Stick to It. Dare to reject ergy and the need for raw goods by making choices such GUARD Indoor Air Quality.
the carefully constructed displays and sales that beg you 1. Buy Products in the Largest Size You Can Use. A family as:
to buy unnecessary items. Be sure to go on a full stomach, of four can save $2,000 a year at the supermarket by choos- Information in the article is brought to you by
so your brain does the shopping ing large sizes instead of individ- • Rechargeable batteries instead of one-time use earth911.org.
instead of your belly. A list also ual serving sizes. About ten cents batteries.
helps prevent an emergency trip of every shopping dollar is used • A long-term camera instead of a disposable. (Also, Valerie Ward is the Director of Community Affairs for Bur-
for a forgotten item later in the to pay for packaging, and small a digital camera cuts down on the printing of un- rtec Waste & Recycling Services. Valerie can be reached
week. A good way to make the sizes use more packaging per wanted pictures.) via email at email@example.com.
list is to plan a weekly menu and ounce than larger sizes. Buying • Cloth instead of paper towels and napkins. (Many
purchase accordingly. in bulk will help save money and families spend more than $260 each year on such
the environment. items.)
2. Take Reusable Shopping Bags. • Washable plates, cups and silverware instead of
This is often a ﬁrst step for those Try to avoid single-serving pack- disposable products.
seeking to go green. It’s easy, in- ages such as juice boxes and • Electric or hand razors with replaceable blades
expensive and makes a real differ- small cookie packs. These are instead of disposable razors.
ence. The truth is that both plastic especially convenient for out-
and paper bags can be bad for the of-home lunches, but use much 4. Buy Local. Buying products made or grown locally re-
environment. more packaging than their larger- duces the transportation associated with shipping items
sized counterparts. Try buying nationwide for resale. Also, the food is fresher, and it feels
Reusables often hold more and bigger and separating the desired good to support your community’s economy.
are sturdier, putting an end to the portions into reusable containers.
days of heavy items bursting Here are a few examples: Online Shopping
through the bag and onto the as-
phalt. The trend is spreading, and • Buy juice concentrate and put More and more people are choosing to shop online. Stay
bags are becoming a fashion as well as an eco-friendly the desired amount into a reusable water bottle. green at your computer screen with these tips:
• Buy chips and cookies in bulk and put a handful in a • If buying a gift for someone who lives far away,
Sometimes the toughest part is remembering to take the reusable container. ship the item directly to the recipient’s home rath-
bags into the store. Keep them in the car rather than the er than your home ﬁrst.
house. Get the kids involved. The assignment to remember Making a shopping list will make those last-minute items • Order multiple items that can be shipped together
the reusable bags will help them feel important and teach less tempting. in one purchase to decrease packaging material
lasting environmental principles. and transportation costs. To have ten pounds of
This rule not only applies to food items, but also to clean- packages shipped by overnight air uses 40 per-
3. Carefully Plan Your Trip. Shop during low-trafﬁc times of ing and personal hygiene products. Buy items such as liq- cent less fuel than driving yourself round-trip to
the day to decrease fuel consumption. Be sure to combine uid soap in large amounts to reﬁll your smaller dispensers. the mall, according to the Center for Energy and
the trip with any other errands, saving grocery shopping Climate Solutions.
26 QUORUM APRIL 2010 APRIL 2010 QUORUM 27
and then meet with our respective Senate and Assembly mem-
CLAC Moment bers to lobby them. Be sure to write that date down and plan
By: Skip Daum, CLAC, Administrator/Advocate to join other homeowners, board members, managers and at-
Community Associations Institute - California Legislative Action Committee torneys. And, look for our new web site with all the informa-
tion and registration forms for this day as well as the education
seminars to be conducted on Sunday, April 11.
n astonishing 5,116 bills, resolutions and bud- AB 2016, C CLAC's second bill, allows associations to
get bills have been introduced in the sausage record a single (“blanket”) document with all as- Finally, if you wish to receive email alerts from CLAC, please
making machine in Sacramento. Figuring sociation properties identiﬁed. This entitles HOAs go to the web site and sign up. Your email address will remain
that each may be amended several times…well, you to receive the identity and billing address of the
receiv completely conﬁdential and our alerts will keep you and your
do the math. It’s a good thing we love screening o
owner of newly foreclosed properties so HOAs boards informed. Simply go to: www.CAIcalif.org.
the bills every morning. can immediately start billing for assessments
instead of waiting for several months to learn
CLAC proposals to make the associa- who and where to bill. This is a clean
tion board election process more ef- up measure which follows CLAC's suc-
ﬁcient and less costly, and to clean up cessful SB 1511 Association Solvency
the county recordation process when Act from last session. It’s needed be-
units go into foreclosure are now in cause several county recorders ofﬁces
the hopper. balked at a single blanket document
and demanded one document for ev-
AB 1726 is our “Good Government” ery property.
bill that reduces quorums for board
elections if the initial election must Our Chapter leaders, and CLAC Dele-
be adjourned for lack of a quorum. gates and Liaisons will be in the Capitol
CLAC's bill reduces that quorum on Monday, April 12 when we conduct
threshold to one third (1/3) on subse- our 17th Legislative Day, a day when
quent attempted elections. we brief attendees on the current bills
Want to earn the
to CAI manager members.
Contact Cardinal Ambrose
at the CAI oﬃce
for more details.
28 QUORUM APRIL 2010 APRIL 2010 QUORUM 29
Association Legal Briefs
not properly apply the rules governing the interpretation more speciﬁc language regarding the maintenance of the V-
of documents. In particular, the Association argued that, ditches controlled over the general language in the CC&Rs.
while the general provisions in the CC&Rs gave the Associa-
Case of the Month tion the obligation to maintain the maintenance easement
area, the more speciﬁc
The Court also reviewed the Association’s maintenance
history, and noted
Starlight Ridge South Homeowners Association v. Hunter-Bloor
language in the CC&Rs that the owners had
(2009) 177 Cal.App.4th 440.
obligated the defendant always maintained
By: Gen Wangler, Esq.
homeowner to main- the V-ditches on their
Fiore Racobs & Powers
tain the V-ditch. The lots. Further, many of
CC&Rs speciﬁcally stat- the V-ditches were not
n this case, the Court of Appeal addressed a mainte- planted trees, shrubs, irrigation systems, walls, sidewalks ed that “[e]ach Owner in landscape mainte-
nance dispute between the plaintiff Association and and other landscaping improvements.” The defendant ho- shall maintain, repair, nance areas; it was
the defendant, homeowner Stephanie K. Hunter-Bloor. meowner claimed that this language put the maintenance and replace and keep only by mere chance
The case highlights the importance of carefully reviewing burden for the V-Ditch on her lot on the Association be- free from debris or ob- that the V-ditch on the
the association’s maintenance provisions, and of keeping cause the V-Ditch was located entirely in the Association’s structions the drainage defendant’s lot was
accurate records of the association’s maintenance history. maintenance easement area. system and devices, situated in a landscape
if any, located on his maintenance area.
After 20 years, an elaborate V-ditch drainage system in Star- The Association sued for declaratory relief, seeking the Lot.” The Association
light Ridge South required substantial repair in several loca- court’s determination as to who was responsible to maintain also pointed to the fact Gen Wangler is a se-
tions. The Association had never reserved for or maintained the V-Ditch, and for an injunction ordering the defendant to that the Association nior shareholder with
the ditches, which were located at the rear of a number of maintain the V-Ditch. had never maintained Fiore Racobs & Pow-
residential lots in the Association. the V-ditches and had ers, A Professional Law
The trial court ruled in favor of the homeowner, ﬁnding that never budgeted for or Corporation, which
The Association’s CC&Rs created certain association main- the V-Ditch was part of the “irrigation systems,” and was set aside reserves for their maintenance. represented the plaintiff Association in the above case. She
tenance easement areas over speciﬁc lots, including the de- fully contained within the maintenance area, which the As- can be reached at 760-776-6511, or at gwangler@ﬁorelaw.
fendant homeowner’s lot. The CC&R created maintenance sociation was responsible to maintain under the CC&Rs. The Court of Appeal agreed with the Association and re- com.
easements for the Association to maintain “all plantings, The Association appealed, arguing that the trial court did versed the trial court’s decision. The Court held that the
Heritage Palms Country Club
44-291 Heritage Palms Drive South, Indio, CA
CAI Film Festival
Tee booth decorating contest
Dress your booth as "Your Favorite Movie"
Sign-in 7:00 a.m. - Continental Breakfast
Shotgun Start 7:45 a.m.
Special Rafﬂe Grand Prize 42" Flat Screen HDTV
Hole in One contest - golf cart or $10,000
30 QUORUM APRIL 2010 APRIL 2010 QUORUM 31
changes. committee agenda item to monitor the effectiveness of
Instituting a Home Preventative Maintenance Program • Drainage assessments. the program
By: Leslie Spoor • Roof inspections (non-common portions).
Executive Errands • Skylight inspections. Regularly promote the need for preventative home main-
• Rain gutter cleanings. tenance via the website, newsletter, town hall meetings,
hen it comes to home preventative mainte- the homeowner doesn’t utilize an absentee home check • Garage door maintenance. annual meeting and community events
nance, there is oftentimes a tug of war be- service, problems can go undetected for weeks or even • Fireplace chimney cleaning.
tween the months at a time, which • Water feature equipment inspections (pools, spas, Homeowners respond better when there are clear guide-
association and the ho- can drive up repair costs fountains). lines and expectations. Promoting home preventative
meowners, with the in- and could even render • Sprinkler maintenance (non-common areas). maintenance conveys to your homeowners that you care
visible mud pit in the Home preventative maintenance the home a total loss. • Plumbing inspections (plastic nuts, rubber hoses, about the community as a whole, not just the common
middle being, “who is needs to be acknowledged as a etc.). areas. Ongoing education and enhanced communication
responsible for what?” Home preventative • Electrical panel inspections (arc wear, grounding, may be all that is necessary to put everyone on the same
priority and should be champi- maintenance needs to unsafe conditions, etc.). team – no tug of war, no rope burns, nobody lands in the
All associations experi- oned by the Association Board of be acknowledged as a • Absentee Home Checks – preferably weekly to mud. The more you champion home preventative main-
ence a sizeable number priority and should be ensure problems are identiﬁed at the earliest op- tenance, the healthier and safer all of our communities
of nuisance complaints
Directors (BOD) in the same way championed by the as- portunity. will be.
for home maintenance as safety or disaster preparedness sociation board of direc-
problems the homeown- tors (BOD) in the same Distribute the list of homeowner responsibility features Leslie Spoor is the founder and president of Executive Er-
programs. and home preventative maintenance guidelines on a pre- rands, a locally owned and operated Personal Concierge
ers themselves should be way as safety or disaster
addressing. These com- preparedness programs. determined frequency, perhaps yearly and as a compo- company. For more information about Executive Errands,
plaints not only consume nent of new homeowner welcome packages please contact Leslie at 760.469.2487 or
valuable manager and Launching a home pre- www.executive-errands.com.
staff time, but also may adversely (and unfairly) affect the ventative maintenance program needn’t be complicated. Include home preventative maintenance as a standing
homeowners’ perception of value for the Association as Follow these six simple suggestions to encourage your ho-
a whole. meowners to care for their homes:
These complaints stem from confusion related to the di- Institute a Home Preventative Maintenance policy or
vision of responsibility between common and non-com- charter that includes a provision for the board to encour-
mon areas. Rules, regulations and structures vary from age homeowners to proactively maintain their homes
community to community so there is no single home pre-
ventative maintenance standard among associations. And Review your CC&R’s for common and non-common ar-
while responsibilities are deﬁned in the CC&R’s for each eas and create a simple, comprehensive list of features the
community, not only are they laborious to read, rarely do homeowner is responsible to maintain. Be clear in your
they contain concise recommendations for home preven- requirements. Some communities have rain gutters that
tative maintenance. the association maintains; others require the homeowners
to do it; still others have none at all. Some communities
Seasonal homeowners in particular may not fully appreci- have common and homeowner-owned skylights in close
ate the differences between their primary climate zone proximity, causing the homeowner to expect the associa-
and the harsh desert climate as it applies to the wear and tion to maintain both unless it is speciﬁcally deﬁned. In
tear on their property. Associations do understand and some communities, roof maintenance is the responsibility
genuinely want their homeowners, seasonal or not, to of the association, in others only a portion is considered
perform regularly scheduled preventative maintenance, ‘common’. Keeping up with the rules can be quite frus-
yet persuading homeowners to do so is sometimes more trating for homeowners so a short, simple list is best.
difﬁcult than it might seem.
Draft a guideline of Home Preventative Maintenance rec-
Finally and probably most importantly, is the damage that ommendations - this guideline will vary by community
often results from improperly maintained residences. Leaky based on features and may or may not include frequen-
roofs, clogged condensate lines, broken water lines, com- cies, but should contain, at a minimum and as appropri-
promised skylights, pest infestations, improperly serviced ate, those items that could lead to hazardous conditions if
pools, excessive plant overgrowth, mold – all of these can left unmonitored:
be costly to the homeowner and may even affect neigh-
boring homes. Worse, if theirs is a seasonal home and if • Bi-annual AC/Heating service calls and ﬁlter
32 QUORUM APRIL 2010 APRIL 2010 QUORUM 33
Incentives Abound to Convert Turf
to Desert-Friendly Landscaping
By: Dave Koller
Coachella Valley Water District
s your association ready to take a big step in a cost- ways adjacent to city streets or up to $10,000 for full con-
saving direction by converting part of that green, versions adjacent to perimeter walls, up to 5,000 square
water-thirsty turf to colorful, water-efﬁcient desert- feet. Residents may be eligible for a rebate up to $2,000.
friendly landscaping? The Coachella Valley Water District Desert-friendly landscaping is a colorful alternative to green
can help your association make the conversion to drip-irri- lawns. It will reduce water use and save on maintenance
gated, desert-friendly landscaping with Water Wise Land- bills. Thunderbird Country Club learned this ﬁrst-hand
scape Rebates & Discounts sponsored by the district and when it began converting grassy areas to desert landscap-
partnering desert cities. ing in 2004. It has since installed drip irrigation systems
and weather-based irrigation clocks. This summer, Thun-
This new conservation program is designed to assist ho- derbird undertook a 10,890 square foot desert landscaping
meowners associations, businesses and residents ready to project in front of the clubhouse restaurant, next to the ﬁrst
take the signiﬁcant step of removing all or part of grassy tee. Thunderbird Country Club’s Golf Course Superinten-
areas. When large landscape users like HOAs install desert dent Roger Compton explains, “There is a lot of interest in
landscaping near city streets, it helps tremendously to re- desert landscaping. The residents love the desert look. To
duce street run-off and water waste. them, it is exotic.”
HOAs and businesses may qualify for a rebate up to $5,000 If you are not ready to replace turf with desert-friendly
for converting grass to desert-friendly landscaping on park- landscaping, you still may be eligible for a rebate when
Welcome New & Renewing CAI CV Chapter Members Thanks to our
Alarm Monitoring Services, Inc. Kirkpatrick Landscaping Services Personalized Property Mgmt Co. Business & Education
Gina Morrelli Steven J. Kirkpatrick Shelly Ruegsegger
Armstrong Garden Centers, Inc. Richard Warﬁeld
Main Stream Aquatics
Tracy Densmore Tammy King PWLC II, Inc.
Associations Insurance Agency, Inc.
Monarch Management Platinum Sponsors:
Deborah Grifﬁths, CMCA, AMS Richard G. Osborne, CPA, Inc.
Association Lien Services
Oasis Palm Desert HOA
Richard Osborne Universal Protection Service
Desert Falls Property Management
Roseman & Associates, APC
Steven A. Roseman, Esq.
Martha C. Fogg Carol Preece
Sky Security Services Epsten, Grinnell & Howell
Door Pros Garage & Sliding Door Service Eve Weber
Mark Higbie O’Connell Landscape Maintenance
Paciﬁc Western Bank
Servpro of Palm Desert
Mr. Neal Tauferner AMS Paving
Outdoor Lighting Perspectives
Fiore, Racobs & Powers Jane Walker
Time Warner Cable Allied Barton Security
Gen Wangler, Esq. Scott Koehler
First California Bank
Outdoor Resort/Palm Springs OA
Timothy Cline Ins. Agency, Inc.
Carolyn Dailey, CMCA, AMS
Senaida Ellis Timothy Cline, CIRMS
Indian Hills HOA
Paradise Springs, Inc.
Helen Work Food Sponsor:
34 QUORUM APRIL 2010 APRIL 2010 QUORUM 35
you replace inefﬁcient spray nozzles. New-generation sprinkler nozzles distrib-
ute water slower and over a longer period of time, thus increasing irrigation The Admitted Carrier versus Non-Admitted Debate
efﬁciency and reducing water run-off. Rebates up to $1,000 are available for By: Enid Turner, CIC
eligible HOAs. AmWINS Insurance Brokerage of CA, LLC
Homeowners associations and businesses in participating cities can apply for a f you are like most insureds, you would prefer to pur- ing class conducted by pyrotechnic experts. He may
rebate on a ﬁrst-come, ﬁrst-served basis. The City of Palm Desert has begun ac- chase coverage from an admitted carrier. And in many want to discount the rate by 50% because it would be
cepting applications for partial and full HOA lawn conversions; Cathedral City, cases, that would be a smart choice. However, there considered “the best of class." An admitted carrier
Indian Wells, La Quinta and Rancho Mirage are expected to join the program are some instances in which you would be better off purchas- would not be able to do this.
this spring. Program requirements vary by city. Applications are available in per- May 21, 2010 ing coverage from a non-admitted carrier. To help you make • Policy holders do not have any CIGA protection.
son at a CVWD ofﬁce or online at www.cvwd.org. All Water Wise Landscape the proper decision, let’s review the pros and cons of using an
admitted carrier versus a non-admitted carrier. So now that you know the pros and cons of admitted and
non-admitted carriers, let’s assume that price is no issue.
When using an admitted carrier, keep in mind that the follow- Which would you choose? Most insureds would go with the
ing items generally apply: admitted carrier because of their belief that the CIGA protec-
• Admitted carriers will be using rates and forms on ﬁle tion trumps all other advantages of a non-admitted carrier.
with the department of insurance in the state in which And while it certainly doesn’t hurt, the more important issue
they are offering the admitted coverage. This has the is policy holder surplus, which is the bag of money a carrier
result of limiting their ﬂexibility on both, as they can- has available to pay losses. If you are deciding about your ﬁre
not deviate from those ﬁled rates or forms. policy, this is not as important because ﬁres don’t typically
• There are no surplus lines taxes or fees. There may be strike multiple insureds at the same time.
an inspection fee or a policy fee but those are usually
under $250. But if you are deciding about your quake policy, this issue
• For commercial lines policies, you have the protection takes on much more signiﬁcance. In some instances, your
of the CA Insurance Guarantee Association (CIGA) values may actually exceed the admitted carrier’s policy
which comes with $500,000 of replacement coverage holder surplus. If so, you should think twice before binding
in the event that the carrier becomes insolvent. with that carrier. The reason is because if there is a quake
• The policies are usually “exposure” rated, which that affects your property, it may also affect others in your
means that a rate is applied to the exposure, which area. And if that admitted carrier writes any of your neigh-
can be anything from sales to payroll to property val- bor’s risks, they may run out of policy holder surplus before
ues. For example, a general liability policy is typically you would like them to.
Rebates & Discounts require pre-approval. Complete details can be found at the rated “per $1000 of sales." So the underwriter would
CVWD website or by calling (888) 388-3255. take their ﬁled rate of $1.50 and apply it to sales of So before you send in that order to bind for the admitted
$5M and come up with a premium of $7,500 ($5M policy, ask your agent to give you the Best Rating of the ad-
Three ways to save your association water and money this month: divided by $1000 multiplied by $1.50). mitted and non-admitted carriers. The Best Rating provides
you with two indicators, one alpha and one numeric. The
• Schedule a water management presentation with your landscaping and When using a non-admitted carrier, keep in mind that the fol- letter refers to the carrier’s ability to meet ongoing obligations.
ﬁnance committees. A CVWD expert will talk to committee members lowing items generally apply: The number refers to their adjusted policy holder surplus (the
about the district’s conservation programs. With a little help from the dis- • Non-admitted carriers do not have to use ﬁled rates bag of money available to pay losses). Here’s what it might
trict, you can transform grass into a colorful, desert-friendly landscape. or forms, which means they have more ﬂexibility than look like:
admitted carriers on both.
• Visit the David Harbison Lush & Efﬁcient Demonstration Garden at • Surplus lines taxes/fees would apply unless the insured • Insurance Company A – admitted A VI
CVWD’s Coachella ofﬁce (85995 Avenue 52). Open weekdays during is exempt (i.e. Native American tribe). The highest $25-50M in Policy Holder Surplus
surplus lines tax rates in the nation are in Alabama, • Insurance Company B – non-admitted A+ XV
regular business hours, the garden is a terriﬁc place to gather ideas on
Kansas and Oklahoma (6%). However they are typi- $2B+ in Policy Holder Surplus
incorporating hardscape with a variety of desert-friendly plants, some not-
cally 5% or less in most states.
so-common but all lush and efﬁcient. We are in full bloom this month!
• The policy can be either exposure rated or judgment The question to ask yourself is this: Are my values equal to
Call the CAI Ofﬁce at rated, which allows the underwriter to offset the man- or greater than the carrier’s policy holder surplus? If so, think
• Apply for Water Wise Landscape Rebates from CVWD and desert cities ual’s rate with their own underwriting experience and/ twice before purchasing quake coverage from that carrier un-
to receive pre-approval to begin your lawn conversion. HOAs and busi- 760-341-0559
or judgment for that class of business. Consider the less that is the only place you can get it. The last thing you
nesses may qualify for a rebate up to $5,000 for converting grass to desert or email Cardinal
following (which, for the purposes of illustration, has want is for your carrier to run out of money paying other
landscaping on parkways adjacent to city streets or up to $10,000 for full Cambrose@cai-cv.org
been exaggerated a bit). Let’s say that the underwriter insureds’ claims before they get to yours. When it comes
conversions adjacent to perimeter walls. is quoting a ﬁreworks manufacturer and the manual to quake coverage, you might not be able control whether
rate is $5.00 per $1000 of sales. However, the under- you are the ﬁrst in line for payment, but you can at least buy
For more information on all of these programs call CVWD at (888)388-3255 or writer knows this insured has an exceptional operation coverage from a carrier who has more money to pay claims,
visit www.cvwd.org. and that all its products come with a hands-on train- should you end up at the back of the line.
36 QUORUM APRIL 2010 APRIL 2010 QUORUM 37
Schedule of Events ADVERTISER INDEX
ACCOUNTANTS & BOOKKEEPERS INSURANCE
ALLEN & ASSOCIATES .............................................................................. 35 LABARRE/OKSNEE INSURANCE ............................................................. 17
APRIL 9 JUNE 29 SEPTEMBER 9
BRABO, CARLSEN & O'BRIEN, LLP ........................................................... 9 TIMOTHY CLINE INSURANCE ....................................................................... 33
Monthly Breakfast Business Partner Quarterly Mixer Business Partner Quarterly Mixer
RICHARD OSBORNE, CPA ......................................................................... 6
"Collections, Small Claims LAKE MANAGEMENT
SCOTT CORPORATION .............................................................................. 2
and Collection Agencies" JULY 9 SEPTEMBER 10
DIVERSIFIED WATERSCAPES.................................................................. 16
Palm Valley Country Club Monthly Lunch Monthly Breakfast
Palm Desert and Mini Trade Show TBD ASPHALT
7:30 am "Emergency Peparedness Palm Valley Country Club AMS PAVING ................................................................................................ 8
with RCSA" Palm Desert HIGH TECH IRRIGATION........................................................................... 34
APRIL 23 Palm Valley Country Club 7:30 am ATTORNEYS
KIRKPATRICK LANDSCAPING.................................................................. 19
Spring Golf Tournament Palm Desert PWLC II ......................................................................................................... 2
EPSTEN, GRINNELL & HOWELL .............................................................. 33 SIERRA LANDSCAPE ................................................................................ 12
CAI Film Festival Theme 11:30 am SEPTEMBER
FIORE RACOBS & POWERS..................................................................... 13
NEW LOCATION Date TBD
GREEN BRYANT & FRENCH, LLP ............................................................ 28
Heritage Palms Country Club JULY 23 Fall Golf Tournament MANAGEMENT COMPANIES
GURALNICK & GILLILAND ........................................................................ 15
Indio Bowling Event
LAW OFFICE OF PEGGY REDMON.......................................................... 23 DESERT MANAGEMENT ........................................................................... 29
Sign in 7:00 am OCTOBER 8
PETERS & FREEDMAN ............................................................................... 2 DESERT RESORT MANAGEMENT ............................................................. 6
Shot Gun Start 7:45 am AUGUST 13 Monthly Breakfast
MONARCH MANAGEMENT GROUP ........................................................ 27
Monthly Lunch "Breakfast with a Burglar"
THE PRESCOTT COMPANIES .................................................................. 18
MAY 14 "Green Asphalt" Palm Valley Country Club BANKS
Monthly Lunch Palm Valley Country Club Palm Desert MUTUAL OF OMAHA ................................................................................. 22
"Electronic Delivery Options Palm Desert 7:30 am OUTDOOR FURNITURE
PACIFIC WESTERN BANK......................................................................... 17
Part 2" 11:30 am SUNRISE COMMUNITY BANK .................................................................. 14 PATIO FURNITURE DOCTORS ................................................................. 34
Palm Valley Country Club NOVEMBER 5 UNION BANK .............................................................................................. 31
Palm Desert Awards Evening
11:30 am CONCRETE
NOVEMBER 12 KENT WESTFALL PLASTER SERVICES .................................................. 34
MAY 14 Legislative Update GRANITE CONSTRUCTION ...................................................................... 29 THE LEAK DETECTORS.............................................................................. 6
Hawaiian Luau "Hollywood Esquires"
Scholarship Fundraiser Palm Valley Country Club ELECTRIC & WATER POOL DECK RESURFACING
Palm Valley Country Club Palm Desert
COACHELLA VALLEY WATER DISTRICT................................................. 25 CTI OF THE DESERT ................................................................................. 30
Pool Area 11:30 am WATER RITE............................................................................................... 29
5:30 pm DECEMBER 7 ROOFING
Business Partner Holiday Social
RELIABLE ROOFING ................................................................................. 23
MAY 21 A & A FENCE COMPANY ........................................................................... 19
WESTERN PACIFIC ROOFING ................................................................... 2
The Essentials Class DECEMBER 10
JUNE 18 "State of the State" SECURITY
DEL MAR PACIFIC ..................................................................................... 23
Casino Night Palm Valley Country Club ALLIED BARTON ........................................................................................ 10
Palm Desert UNIVERSAL PROTECTION SERVICES ...................................................... 6
JUNE 11 7:30 am
Monthly Lunch JEN SMITH DESIGN AND GRAPHICS.........................................................11
"Jeopardy (Painting and
Palm Valley Country Club
38 QUORUM APRIL 2010 APRIL 2010 QUORUM 39
Join CAI...and get your own copies
of this newsletter...Plus a lot more!
41-905 Boardwalk, A.2
Palm Desert, CA 92211
CALENDAR OF EVENTS
APRIL 9 MAY 14
Monthly Breakfast Monthly Lunch
"Collections, Small Claims "Electronic Delivery Options
and Collection Agencies" Part 2"
Palm Valley Country Club Palm Valley Country Club
Palm Desert Palm Desert
7:30 am 11:30 am
APRIL 23 MAY 14
Spring Golf Tournament Hawaiian Luau
NEW LOCATION Scholarship Fundraiser
Heritage Palms Country Club Palm Valley Country Club
Indio Pool Area
Sign in 7:00 am Palm Desert
Shotgun Start 7:45 am 5:30 pm
For Additional Information MAY 21
Please Call Cardinal The Essentials Class