● Meeting called to order at 1:00 PM
● Attending
○ Present: Paul Stannert, Mary Guard, Art Shotwell, Suzanne Metcalfe, Brittany Small
○ Absent:
○ Homeowners: Doug Winge, Joan Mickelson, Kenton & Wendy Kuusela, Carol Perry
● Approval of Minutes of 11-14-2024
○ Minutes approved
● President’s Report - Paul Stannert
○ Insurance
■ Discussion of Loss Assessment increase. Many homeowners already have at
least $25,000. For others, it will be a minimum increase per year. How will we
deal with a tree falling on a house? We should compile a list of questions for
Curtis.
■ Earthquake
● will get a kickback for 2 months
● 10% deductible ($43.5 per owner)
● T otal replacement 12,000,000+/ Deductible is 1.2 million for EQ
■ New insurance will start on Jan 1 and run through Dec 31.
■ Did we get other bids? Windermere was going to get bids. Brittany will check
on this.
■ Homeowners up 21%/ EQ also gone up
● Deductible Premium
● $2,500 $30,289.00
● $25,000 $25,127.00
● $50,000 $22,814.00
● Staff report - Donna Cunningham/ Brittany Small
○ No report
● Secretary’s Report - Suzanne Metcalfe
○ No report
● Treasurer’s Report - Art Shotwell
○ Art presented current balances
○ 2025 Preliminary Budget discussion
■ Paul reported our roofs look good.
■ We looked at a rough budget
● Landscape Report -
○ We have 4 bids
○ Discussion of landscape bids. Some homeowners think Martin is a nightmare. Can
we stop mulch? This would save money. The 2 middle bids seem most reasonable.
○ Deep Roots tree service is good
● Unfinished Business
○ Landscaping: Paul will call to get the Pacific Style and Real proposals so they can
line up better and will include winter months.○ Brittany will check to see if Windermere got bids from other insurance companies for
earthquake and HOA
● New Business
○
● Next Meeting Schedule
○ December 23, 2024 9 AM for 2025 budget
○ Annual Meeting Jan 18, 2024 10:00 AM at Windermere
● Meeting adjourned 2:46
● Respectfully submitted,
Suzanne Metcalfe, Cedar Springs HOA Secretary
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