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					                                                                                                     April 2010




Inside This Issue:
BIGHORN HOA
Green Shopping
Earthquake Insurance
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      President’s
                                                                                                    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



                                                O
                                                        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




                          S
                                     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,
                                                                                                                from your
                                                                                                                                             Editor
                          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
                                                                                                    step-by-step guide.
                          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
                    COMMUNITY                                                                                                                                                                                                        COMMUNITY
                   ASSOCIATIONS                                                                                                                                                                                                     ASSOCIATIONS
                     INSTITUTE                                                                                                                                                                                                        INSTITUTE
      BOARD OF DIRECTORS                                                                                                                                                                                                                        EDITORIAL BOARD
    Coachella Valley Chapter 2010
                                                                                                                                                                                                                                                        Editor
      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
                                                                                                                                                                                                                                                     Managing Editor
           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: cambrose@cai-cv.org                                                                                                                                                                                                                   Kelly Taylor
          Website: www.cai-cv.org
                                                                                                                                                                                                                                                        EasyTurf
       CORPORATE SPONSORS                                                                                                                                                                                                                             Gary Wolfe
                                                                                                                                                                                                                                              Universal Protection Service
               PLATINUM
               AMS Paving                                                                                                                                                                                                                       PHOTOGRAPHERS
              Asphalt MDs
                                                                                                                                                                                                                                             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
                  GOLD                                                                                                                                                                                                                                 PUBLISHER
             Flood Response                                                                                                                                                                                                     Jen Smith Design and Graphics (760) 219-4005
        LaBarre/Oksnee Insurance                                                                                                                                                                                                           Printer of the Quorum
            Mutual of Omaha                                                                                            CONTRIBUTING EDITORS                                                                                                   GRAPHIC DESIGNER
              Patrol Masters
               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
                                                                        BIGHORN HOA
                                                                         Palm Desert
                                                                                   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
                                                                                             per month.
                          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.
                          the public.
                                                                                             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



                                                                                                                                        G
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               jmerry@gothiclandscape.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
                                                                                                                                        two associations.

                                                                                                                                        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



I
       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


                                                                                                                                       P
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.                       jensmithdesign@earthlink.net.
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-
                                                                                                                          to-wall intersections
                                                                                                                                                                                         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-


O
            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         brose@cai-cv.org. 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


G
            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 cambrose@cai-cv.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-
tricia.smith@securitasinc.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
                                                                                     March Sponsors:
                                                                                              Asphalt MDs

                                                                                           Del Mar Pacific
                                                                                       General Contractors, Inc.

                                                                                     Empire Community Painting

                                                                                      LaBarre/Oksnee Insurance

                                                                                          MC Builder Corp
                                                                                       Painting & Construction

                                                                                     Prendiville Inurance Agency

                                                                                             Suntrek Solar

                                                                                         Three Phase Electric

                                                                                            Timothy Cline
                                                                                        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


W
              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 tim@briteandclean.com. 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


T
                                                                                                                                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
                                                                                     www.caionline.org
                                                                 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
                                                                                                                                                                                                             PCAM designation.



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


L
         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 vward@burrtecdesert.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:
statement.
                                                                   • 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



A
                                                                                                                                seminars to be conducted on Sunday, April 11.
                                              ons
           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
                                              o.
           making machine in Sacramento. Figuring                       sociation properties identified. This entitles HOAs      go to the web site and sign up. Your email address will remain
                                              …well,
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
                                               eening
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
                                                                              ins
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




         Attention
         Managers!!!
     Want to earn the
     PCAM designation?
         Scholarships available
       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


I
     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




                 Spring Golf
                      NEW LOCATION
                Heritage Palms Country Club
      44-291 Heritage Palms Drive South, Indio, CA
                                April 23rd
                     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,


W
              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




                                                                                                                    I
                                                                                                                          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
                                                                                                                                                                                                                  Expo Sponsors:
                Gina Morrelli                        Steven J. Kirkpatrick               Shelly Ruegsegger
         Armstrong Garden Centers, Inc.                                                   Richard Warfield
                                                    Main Stream Aquatics
                Tracy Densmore                          Tammy King                        PWLC II, Inc.
                                                                                           Jay Powell
       Associations Insurance Agency, Inc.
                   Terri Guest
                                                    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
               Aram Homampour
        Desert Falls Property Management
                                                           Judy Grum
                                                         Roy McGowen
                                                                                    Roseman & Associates, APC
                                                                                      Steven A. Roseman, Esq.
                                                                                                                                                                                                                      Flood Response
                 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
                                                                                         Marissa Newcomb
                                                                                                                                                                                                                   Pacific Western Bank
                                                                                      Servpro of Palm Desert
                 Asphalt MD's
                Elmer Merkovsky
                                                        Janalee Arthur
                                                                                        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.
                                                                                                                                                                                                                       Time Warner
                                                 Carolyn Dailey, CMCA, AMS
                   Senaida Ellis                                                      Timothy Cline, CIRMS
                Indian Hills HOA
                                                     Paradise Springs, Inc.
                                                         Judy Bishop
                                                                                           Helen Work                                                                                                                 Food Sponsor:
                   Sandy Daba
                  Tom Mirasola
                                                       Charlie Brogdan
                                                                                                                                                                                                                      Patrol Masters
                     Bill Roe




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



                                                                                                              I
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
                                                                                                                                                                                                                          LANDSCAPING
               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
                                                                                                                                                                                                                          POOL PLASTERING
               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
            Palm Desert
              5:30 pm                                                          DECEMBER 7                                                                                                                                 ROOFING
                                                                                                          FENCE
                                                                       Business Partner Holiday Social
                                                                                                                                                                                                                          RELIABLE ROOFING ................................................................................. 23
              MAY 21                                                                                      A & A FENCE COMPANY ........................................................................... 19
                                                                                                                                                                                                                          WESTERN PACIFIC ROOFING ................................................................... 2
         The Essentials Class                                                  DECEMBER 10
                                                                                                          GENERAL CONTRACTOR
                                                                             Monthly Breakfast
              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
                                                                                                          GRAPHIC DESIGN
              JUNE 11                                                             7:30 am
           Monthly Lunch                                                                                  JEN SMITH DESIGN AND GRAPHICS.........................................................11
       "Jeopardy (Painting and
            Maintenance)"
      Palm Valley Country Club
            Palm Desert
              11:30 am
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                                MAY

                                  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

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