HARBOUR TOWNE CONDOMINIUM ASSOCIATION
Board Minutes
Nov 13, 2008

Call Meeting to Order
President Dave Taylor called the Meeting to order at 6:35 PM in the Harbour View Room.

Members Present
Dave Taylor-Pres., Dave Shoemake V.P., Dan Weller-Treas, and Jerry Siminski

Members Absent
Jim Geisler

Independent Contractors Present
Kathie Vanderwater - Sun Agency, Ryan Osborne - Pinnacle Insurance

Guests
Steve LeBel, Kelly Cousineau, Jim DeVries, and Bob Dillard

Consent Agenda (Board Minutes and Accounts Payable)
A) Minutes of the October 8, 2008 Board Meeting. Dave Shoemake moved to approve the minutes as written and was supported by Dave Taylor. The Board unanimously approved the minutes.
B) Dave Shoemake moved and Dave Taylor supported the motion to approve financial, payables, delinquency and status reports as submitted. The Board unanimously approved the motion.
C) Bob Dillard supplied several handouts illustrating the budget shortfalls and the need to increase maintenance fees.
D) Kathie Vanderwater informed the board that liens have been placed on several of our delinquent co-owners’ units.
E) Dave Taylor will write a letter to the co-owners describing possible reductions in services as well as budget shortfalls that the board is experiencing due to the increases in our costs, especially insurance premiums.

Open Floor Items
None

Owner Request for Service
None

Open Items List
None

Old Business
A) Steve LeBel and Kelly Cousineau presented a proposal from Pivotlabs to maintain our website and ticket tracking reporting system for vendors. Much discussion ensued with the board finally voting unanimously to approve the bid from Pivotlabs at a cost of $5385.00 (which includes discounted annual maintenance fees) to be broken into three payments of $1,000 start up costs and two payments of $2192.5, one at 50% completion and the other at project completion.
B) Dan Weller gave the board an update on the well irrigation program. No bids were complete and the board decided to do the bid process over and reduce the wells drilled to two or three and then evaluate the results.
C) Dave Taylor reported that we have no further information from the City of Muskegon regarding the paving project and that we are waiting for information from the board attorney before we proceed.
D) Dave Taylor reported that several attempts have been made to get the Harris family to sign the Encroachment Agreement but to no avail.

New Business
A) Ryan Osborn of Pinnacle Insurance (our Agent) reported Harbour Towne had four water damage claims for calendar years 2007 and 2008 totaling $61,524.41 (2/6/07 – 3639 Marina View Pt. – $19,850.67, 5/12/07 – 1414 East Harbour Towne Circle – $1,599.96, 1/24/08 – 1397, 1399 West Harbour Towne Circle – $31,374.72, and 2/11/08 – 1339 West Harbour Towne Circle – $8699.06). Philadelphia Insurance (our Insurance Carrier) announced their intent to cancel our policy. Mr. Osborn convinced them to continue insuring HTCA, but they only agreed to do so at an increased annual premium of $7,000 coupled with a $10,000.00 deductible on all water damage related claims. Ryan also checked with two other major insurance carriers and neither one were interested due to our high level and volume of water damage related claims. After considerable discussion Dave Taylor moved to approve the new premium and deductible from Philadelphia Insurance. He was supported by Jerry Siminski and the board voted unanimously to approve the motion. Dave Taylor will write a letter to co-owners letting them know that that the first $10,000.00 of water damage related claims will not be covered by our Master Policy effective 12/01/2008. In 2010 the additional $7000.00 premium increase and the exclusion of the first $10,000.00 of water damage claims provisions will be reviewed and may be eliminated if our water damage claims experience is reduced to reasonable and customary limits. We need everyone’s help to achieve this goal. Simply put all we need to do is keep our thermostats set at 50 degrees or more and turn the water supply valve off at the meter!
B) Jerry Siminski will contact Bill Waldo regarding the relocation of his satellite dish, that is currently placed on top of his unit.

Adjournment
The meeting adjourned at 9:13 P.M.

The next “regular monthly” Board Meeting will be December 12, 2008 at 6:30PM in the Harbour Towne Yacht Club (upper level).

All Harbour Towne Condominium members are cordially invited to attend these meetings!

___________________________________
Dave Shoemake – HTCA Board Secretary