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insurance - Grandin Lake Shores

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The following is a quote from President Troy Weaver (Facebook, December 2024) about the new gate at the boat ramp area.

I was approached and ask why the gate at the actual boat ramp was not sufficient. Answer is we are a private property that caries liability insurance. The insurance company has requested that a gate be added to reduce our liability's. Many people from outside the HOA come to the ramp and fish the ramp dock. As they are not members or in the presence of a member they are not covered under our liability insurance.

Put the insurance documents on the website as required by State Law. There must be some interesting clauses in that policy. What about “associate” members, are they covered? How about the directors that are not members? Must family members who are not actual members of the HOA be with a member to be covered? Who are the members when a corporation owns the property? Make no mistake, this is a mandatory HOA and as such, State Law determines who is a member and who is not. Why would the insurance company care if a gate is up if they are only covering members?

The Hall is being rented to the public. Does the agreement state that a GLSA member will be present at all times during your party/gathering for insurance purposes? What about when it’s used for a voting place? Get real. Also, notice that the hall rental agreement for the public isn’t on the website. The members will pay when the insurance denies a claim. If this Board thinks they have no responsibility toward the people they allow to use the Hall, they better think again. Furthermore, you can’t demand they sign their rights away to use the common areas. The members are already self-insuring the Hall and all other buildings and structures on the common areas and it looks like there may be more. This would be a total failure of their fiduciary duties and puts the members in an even riskier financial position.

Plus, the directors and officers don’t know who the members are because they never compiled a current roster of all members, their designated mailing addresses and parcel identifications as required by State Law. Apparently, they are still getting addresses from the County Tax Collector which is a law violation. The email address list they use violates the same law. When do these ‘State Certified HOA Directors’ stop intentionally violating laws?

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