1. CONTROL YOUR MONTHLY HOA EXPENSES
2. INCREASE COMPETITION
3. AVOID RISK OF SELF-INSURANCE
VOTE "YES" NOW
TORT IMMUNITY VOTE DEADLINE IS HERE. WHY YOUR VOTE IS NEEDED TODAY
Written by Al Miranda, Ellis Popick, Elaine Welchman and Gerri Woodruff
We need your cooperation in order to pass the HOA Tort Immunity Amendment, pertaining to the COMMON AREAS. We are not only homeowners in GOCA, we are four insurance professionals. Our combined insurance industry experience equals over a century of underwriting, management and agency work. It is our expert opinion the following arguments are valid reasons to vote YES for the HOA Tort Immunity Amendment.
CONTROL YOUR MONTHLY MAINTENANCE FEES. Liability insurance is one of our largest expenses. An increase in Premium will be passed onto the homeowner. Tort Immunity is the key to better control.
AVOID RISK. Only 2 out of 10 insurers were willing to offer us bids last year and lack of Tort Immunity was a significant contributing factor. Given industry trends, we could receive NO bids in 2015, NO bids in 2015 would leave us with 2 options: Substandard Insurance Markets or Self insurance. The expense to us would be astronomical.
MAKE GOCA MORE ATTRACTIVE TO THE INSURANCE INDUSTRY. By voting “YES” for Tort Immunity we immediately become a more attractive customer to the insurance industry. Claims for personal injury in the common areas are made part of the association’s claims history by the liability insurer which is then used to evaluate the premiums for liability Insurance. Our claims loss history has limited the availability of competitive insurance proposals. The passage of tort immunity will reduce our future claims history, immediately increase the availability of liability insurance and increase the number of competitive insurance proposals. We need COMPETITION for our liability insurance business to control our monthly HOA costs.
IT’S TIME FOR GREENBRIAR TO JOIN THE SMART COMMUNITES. Many other “age restricted communities” in New Jersey have now adopted the HOA Tort Immunity Amendment in accordance with NJ State Statute to benefit HOA’S. Now is OUR time to benefit.
Of the total votes last year, 91% voted “YES” but we were 16 votes shy of approving this Amendment because State Statute requires 2/3 of ALL homeowners must vote “YES”. If you were one of the 804 who voted “YES’ in 2013, you need to vote again this time. If you joined our community after April 2013, your vote is essential and now is your opportunity to have a say in your community’s affairs. Even if you were one of the only 78 who voted “No” in 2013, vote again now.
If you haven’t yet voted, you must understand that Not Voting has the same effect as a “NO” Vote.
If you don’t have your ballot handy, you can get on at the Concierge Desk and place your signed ballot in the Ballot Box in the Lobby.
Pleasa Vote NOW and let your voice be heard on this very important issue to you and our entire Community
Greenbriar Oceanaire Community Home Page
It has been reported that a number of residents have been walking and riding bicycles on the golf course at various times: early in the morning, in the evening, on Monday's when the course is closed for maintenance, etc..
Please note that No One is allowed on the golf course at any time unless they are registered, at the Pro Shop, to play.
Please have consideration for your neighbors. Watch out for golf carts, grandchildren and neighbors out walking and enjoying our community grounds.
Thank you for your concern