County Authorizes Limited Debris Clean-up in Gated Communities

“To create safe passage” of vehicles on roadways upon declaration of a disaster, within a gated community, a new ordinance has been adopted to collect and remove debris from private gated communities and/or private roads, with FEMA “more likely” providing reimbursement for the debris removal. Up to now, FEMA has denied any application for debris removal reimbursement involving private communities.

FEMA’s early targeting of debris removal is to make highways and roads safe for travel and to remove debris if it constitutes a health or safety hazard. Hurricane debris removal costs are shared 75/25 between FEMA and the state with removal, storage and disposal performed by local governments or by contractors selected by those governmental entities. Pheasant Walk on the east side of Military Trail above Clint Moore had incurred more than $20,000 in removal costs using their landscape contractor, but the County was only offering $15,000 in repayment “because that’s what it would have cost the county to do the job,” but Commissioner Burt Aronson said that if Pheasant Walk was reimbursed, “then I want other communities included.”
Last week’s action to permit country debris removal in general from gated community roads at least now gives the county a statutory basis to argue that health and safety were at issue and therefore the county should be reimbursed, and permits residents in gated communities to receive the same road clearing treatment as those along public roadways.

Have You Read About CarePages?

CarePages.com is a free secure private internet space for families and invited friends to form an online support community around a patient. This space can be used to post get-well wishes, upload photos and share info about the loved one’s illness, recovery and/or rehab. Patients can respond online, and family members can communicate with staff.

One family member is designated to be in charge of the space. CarePages currently manages over 50,000 individual CarePages communities with over 5-MM members in 190 countries around the world. Over 500 hospital and health care facilities across the US and Canada are offering their own customized versions of CarePages.

Go to www.carepages.com for a visit.

CONDO INSURANCE RATES MAY FALL

CONDO INSURANCE RATES MAY FALL
There has been a change in how association’s policies are handled by Citizens Property Insurance Company. Previously one policy would group condo buildings together, and now Citizen’s board decided they will treat the buildings separately. A stricter criteria will still apply to individual condo buildings that cost $10-MM or more to replace. This change could save associations thousands of dollars on their insurance premiums. Depending on how the associations decide to use the refunds, either homeowners could receive refunds or the funds could be held in reserve by the association. Rate reductions could be 20% to 30%, but that will still be more than associations paid to Poe Financial Group previously. Change will apply retroactively to any policies issued on or after May 15, which is when Citizens first issued condo association policies using the stricter standards. About 2000 associations are affected. It will take 60-90 days for Citizens to process the refunds.

SINGLE WOMEN HOME BUYERS: A Market Segment to Consider

The Harvard University Joint Center for Housing Studies’ report states that unmarried women (2/3 were previously married) have become a large segment of the home buying population, with 63% of buyers being married couples, 17% being unmarried men, and 20% being single women. Many of the women have children.

While single women average 11% less median income than single men, at $37,000, and while at first the single women do not purchase single family homes, they tend to move up by building their net worth by buying low, selling when the market grows and moving into a larger, more expensive dwelling.
The Women’s Mortgage Industry Network was launched four years ago to help women in their quest for home ownership, and is sponsored by Freddie Mac.