1. finance
2. personal finance
3. insurance

The Morgandale
Connection
April
2015
Issue 200
The Council Members of Morgandale are …
Tim Cooney, President
Gary Cassel, Treasurer
Barb Crippen, Vice President
Beth Signore, Secretary
John Lyon, 2nd Vice President
2015 Morgandale Annual Meeting
Once again we are pleased that a quorum was achieved to conduct our 2015 Morgandale Annual Meeting.
Thank you to all our home owners for your loyal support. We are happy to announce that Tim Cooney was
unanimously elected to a five year term. During the meeting’s activities, a very informative presentation was
given by Sarah DiSantis, Executive Director of the Morgan Log House. The Morgan Log House is a historic
log house located on property that at one time stretched from Weickel Rd. to Forty Foot Rd., a portion of it on
which Morgandale now sits. This year’s Door Prize winner was Cheryl LaRoche. Following are a few
selected photos of the evenings meeting and attendees.
1120 Bethlehem Pike, Suite 208, P.O. Box 858, Spring House, PA 19477
(215) 542-5959 Phone (215) 542-6990 Fax www.smithinsurance.com
April 27, 2015
Dear Homeowner:
We have the privilege of insuring Morgandale Condominium Association. In order that we can serve you more
efficiently, we would like to clarify the coverage and procedures of the Association’s master policy.
Association Master Insurance Policy:
Effective 5/1/2015 the master insurance policy provides coverage for the buildings and the Association’s Liability.
Of course, the coverage provided is subject to the terms, conditions, restrictions and exclusions of the actual
policy and would only apply to losses that were caused by covered causes of loss.
The building coverage is limited under the Association’s policy, so every unit owner needs to place an HO-6
insurance policy to cover parts of their unit and their personal liability, which is discussed further below. The
coverage afforded by the Association’s policy includes those building components such as flooring, cabinets,
drywall, etc. within the individual units that were initially installed by the builder prior to the original sale of the unit.
All improvements and betterments completed after the original sale of the unit are not covered on the Association
master insurance policy.
Your Association documents may also affect coverage, please review them carefully.
The Association master insurance policy will not respond with coverage until the damage exceeds the
deductible. Each unit owner is responsible for this deductible. The Association’s master insurance policy
contains a $10,000 deductible which is applicable on a per unit basis for ice-damming and on a per
occurrence basis for all other covered perils.
Condominium Owner’s (HO-6) Policy:
The kind of coverage you, as a homeowner, need to purchase is called an HO-6 Condominium Owner’s policy.
This type of policy will provide most of the coverage you need to buy on your individual home to properly dovetail
the Association’s master policy.
Your HO6 policy should provide coverage for:
The Association’s Master Insurance Policy Deductible: With some HO-6 companies, you need to
specify that you want to cover the Association’s deductible. Failing to specify might mean your unit
owner’s insurance policy (HO-6) may not be set up to cover the Association’s deductible. We recommend
getting something in writing from your HO-6 agent stating that your HO-6 policy will cover the
Association’s deductible should you be held responsible for it.
Real Property Coverage: Provides coverage for improvements and betterments made to your home
after the original sale of your unit, as you are responsible for insuring all unit upgrades
Personal Property Coverage: Covers your contents and personal belongings.
Loss Assessment Coverage: Protects you in the event a special assessment is imposed by the
Association because the Master policy limits were exceeded.
Loss of Use: Covers the cost you incur to live elsewhere when a covered loss renders your unit
uninhabitable.
Personal Liability Protection: Provides liability protection for you personally against claims from third
parties alleging bodily injury or property damage.
Sewer/Sump Backup coverage – This coverage is not automatically included on all HO-6 policies and
may require a special endorsement.
Every HO-6 carrier is different so please discuss your particular situation with your Agent to see if
they have any further coverage suggestions which might apply to you.
Additionally, Renters and Investor owners also need to purchase insurance coverage as well. Both need to
protect their liability exposure and need coverage for loss to personally owned property. Renters should carry
HO-4 (renters) policies and Investors should contact their brokers for how best to protect their investment
property. Investor owners should require their tenants purchase an HO4 (renters) policy.
We also suggest a written inventory with photographs of all your property, building, and contents, to help you
document your loss under either the HO6 or Association policy. We encourage you and your insurance agent to
call if you have any questions.
You have the option to obtain coverage for your personal homeowner’s policy through our agency. We have
been insuring Community Associations since their inception and understand the coverages you need. In
addition, we have carriers that specialize in HO-6 coverage and can provide you with the most comprehensive
coverage at the most competitive rates. Please contact our personal lines manager Gene Ebright via our toll free
telephone number (877) 742-4678 ext. 128 or via email at [email protected]. You can also obtain a
free quote online at www.smithinsurance.com by clicking on the “Request A Quote” link on the home page.
Certificates of Insurance
In an effort to continue providing superior service to our customers, we are using a state of the art insurance certificate
delivery system called iCerts. If your mortgage company need a certificate of insurance as evidence of your home being
insured under the Master Association policy, please direct them to visit www.iCerts.com. This system provides on-demand
access to instantaneous certificates. If your lender has questions regarding how to use this system, please have them contact
[email protected]. If you, the homeowner, would like a copy of the Certificate of Insurance, or if you have additional questions
about certificates of insurance, please contact Lindy Kolb via telephone (x100) or email ([email protected]).
Claims
If you have a claim, please follow the procedures outlined below to help ensure timely processing of the claim:
1. Report the claim to building management as soon as possible. You will need to provide management
with the date of loss and the cause of loss. If management feels the loss would be covered by the
Association insurance policy, they will report the loss to our agency. (Please keep in mind that the
Association has a $10,000 deductible for each covered loss).
2. Report the claim to your personal lines insurance carrier as soon as possible.
We hope this letter answers your questions. Please call our agency if we can be of further assistance. We look
forward to being of service to you and Morgandale Condominium Association.
Sincerely,
SMITH INSURANCE ASSOCIATES, INC.
DISCLAIMER: THIS INFORMATION IS MEANT TO BE USED AS A GUIDE IN PURCHASING YOUR
PERSONAL INSURANCE COVERAGE'S AND DOES NOT ENCOMPASS ALL COVERAGES YOU MAY
NEED. PLEASE CONSULT WITH YOUR PERSONAL INSURANCE AGENT TO DISCUSS YOUR PERSONAL
SITUATION AND COVERAGE OPTIONS. NOTHING IN THIS LETTER SHALL CHANGE THE POLICY TERMS,
CONDITIONS, WORDING, OR WARRANTIES OF THE ASSOCIATION INSURANCE POLICIES
Legal Notice
MORGANDALE CONDOMINIUM ASSOCIATION, INC.
ADMINISTRATIVE RESOLUTION NUMBER TWELVE
CONDOMINIUM ASSESSMENT PROCEDURE
Revised November 16, 1983
Revised January 29, 1998
Revised December 30, 1999
Revised March 18, 2004
Revised September 22, 2005
Revised March 26, 2015
WHEREAS, Article I of the Declaration creating Morgandale Condominium Association, Inc.
(hereinafter “Association”) establishes a Council which shall manage the business, operation and affairs of the
property; and
WHEREAS, Article VI of Morgandale’s Code of Regulations provides for Council to annually
estimate each Unit Owner’s annual share of the Common Expense which shall be made in twelve equal
monthly installments; and
WHEREAS, Section 3302(a)(11) of the Pennsylvania Uniform Condominium Act, (amending Title
68) gives Council the power to impose charges for late payment of condominium fees or assessments; and
WHEREAS, Section 3315 of the same Act provides that past due assessments along with all fees,
charges, late charges, fines and interest charges are liens against a delinquent Unit and are enforceable through
lien foreclosure procedures.
WHEREAS, Council wishes to replace Administrative Resolution Number Eleven with this
Resolution so as to further clarify the procedure it will utilize to carry out the collection of any delinquent
accounts.
NOW, THEREFORE, be it resolved and enacted by the Council of Morgandale Condominium
Association, Inc. as follows:
1.
At least annually, by regular mail or hand delivery, Council shall advise each Unit Owner of
the amount of the twelve monthly assessment installments (all of equal value rounded to the nearest
dollar) owed by the Unit Owner.
2.
Each assessment and any other outstanding balance is due to be received by the Association by
the first of the month.
3.
Any account with an outstanding balance as of the tenth of each month shall be deemed
delinquent.
4.
A $25.00 per month late fee will be automatically charged to each delinquent account.
(continued next page)
5.
Any Unit Owner with a delinquent account in excess of one month’s assessment shall receive
a warning letter containing the following:
a.
A copy of the account statement that shows the recent charges and payments for the
Unit.
b.
An explanation that if any assessment or other payments due to the Association are not
paid within ten (10) days, and no arrangements have been made for payment which are
approved in writing by Council, Council shall have the right to accelerate future
installments of such assessments for the balance of the fiscal year. In the event of such
acceleration, written notice will be sent to the Unit Owner stating the total accelerated
amount due, including any accrued interest and legal charges. A copy of this letter shall
also be sent to the Unit Owner’s mortgagee, to extent reasonably feasible.
c.
An explanation that the Unit Owner has ten (10) days from the date of such notice to
submit to the Association a written dispute of the Association’s record, and in the
absence of submission of such written dispute, the Association’s records shall be
deemed correct.
d.
A copy of this Resolution.
e.
Contact information for the Unit Owner to obtain further information and have
questions answered.
f.
Request for payment in full within ten (10) days.
6.
If the delinquent balance remains unpaid after the ten-day period and no payment arrangement
satisfactory to Council has been made, the remaining monthly assessment installments for the fiscal year shall
be accelerated and shall become immediately due and payable.
7.
Should the delinquent balance be paid in full within the ten-day period but within the
subsequent twelve months the amount of past due assessments again exceeds one month’s assessment, the
remaining monthly assessments for the current fiscal year shall become accelerated without advance notice.
8.
Assessments shall, until fully paid, accrue interest thereon at the rate of fifteen percent (15%)
per annum (or the highest rate allowed by law, if higher) from the thirtieth (30th) day of the month in which
such assessment became due and shall constitute a charge on the Unit of each Unit Owner and shall be a
continuing lien upon such Unit. Such assessment shall also be the personal obligation of the Unit Owner.
9.
Council may submit accounts with delinquent balances for legal enforcement thirty (30) days
after payment is due. Upon obtaining a judgment against a Unit Owner, Council may, at its sole discretion,
enforce the judgment through all available legal remedies which may result in any of the following of the
steps as is required to collect amounts due, including but not limited to:
a.
Enforcement of the lien established pursuant to Section 3315 of the Uniform Condominium
Act, 68 a. C.S. § 3315, including foreclosure and sale of the home in a manner similar to a
mortgage foreclosure.
b.
Levy and sheriff sale of personal property.
c.
Garnishment of bank accounts.
(continued next page)
10.
In addition to the remedies stated above, Council may determine that the delinquent Unit
Owner (and any family, friends, or tenants occupying the Unit) forfeits any right to use any of the
Condominium recreational facilities (including the clubhouse, pool and tennis courts), or vote at Association
meetings and elections until such time as the account is current. Specifically, Council has also set April 30 th of
each year as the date by which a Unit Owner must be current in assessments to receive access identification to
the pool.
11.
Council may exercise any and all of its rights as permitted by the Declaration, Bylaws and the
Uniform Condominium Act, 68 Pa. C.S. § 3101 et seq. The selection of a single remedy or multiple remedies
shall not be deemed to exclude the right to exercise any other remedy, and Council may exercise any and all
remedies singularly, consecutively or concurrently. Any decision by Council with respect to the collection of
assessments shall be deemed final.
This Resolution was adopted unanimously by the Council at its regularly scheduled meeting on
3/26/15. It shall become effective immediately and supersedes any and all prior Resolutions or policies
regarding the collection of delinquent condominium assessments accounts.
___Timothy O.
President
Cooney________________
_______4/14/15__________________
Date
___Beth Signore________________________
Secretary
4/14/15__________________
Date
Recycling Committee Spearheads clean-up day.
A big thanks goes to the Recycling Committee and the volunteers who took time to pick up trash on Saturday
morning, April 25th, throughout all of Morgandale. The weather was cool but cooperated. A large amount
of trash was picked up on the common elements, along Morgandale Drive, Forty Foot Road, Quarry Road,
and Keeler Road, as well as in all the courts. Please help to keep Moragandale clean of trash by depositing
your bottles, cans, fast food containers, cigarette butts and packages, and other miscellaneous trash items in
waste receptacles. Thank you.
The Recycling Corner
Recently, I was contacted by a couple of residents who were concerned about the amount of recycling
materials that were not being recycled. I conducted a walkthrough of several court areas and I discovered that
this is true. There are several bins at the Clubhouse parking lot for your recycling needs.
Long gray bin is for glass bottles, cans, and plastics bottles.
Tall green bin is for any cardboard boxes.
Green and Yellow Bins are for newspapers, junk mail, and shredding materials. We ask that you leave any
shredded materials in the bag.
We certainly understand that these bins are not always convenient from where you may reside, but we are
asking that you try and place these items in a convenient area inside of your home, so when you leave your
property you can take these items and dispose of them properly.
Helpful Reminders:
Recycling of household batteries can be disposed of in your normal trash, but large batteries, except for car
batteries, can be taken to Lowe’s or Home Depot for recycling.
Old computers, related computer accessories, ink cartridges, and 32 inch TV's or smaller can be recycled
at Best Buy. We recommend that you remove your hard drive before recycling your computers. Best Buy
can assist with this at a charge.
Any VFW, American Legion, or the Towamencin Township Building will take old American flags.
Prescription and over the counter drugs can be properly disposed of at the Lansdale Police Station and
Rann’s Pharmacy in Harleysville.
Next Recycling Event:
May 30, 2015 Household Hazardous Waste recycling event, at the Montgomery County Community College,
located at 340 DeKalb Pike, Blue Bell, Pa. 19422, between the hours of 9:00 AM - 3:00 PM. Please enter
from Cathcart Road entrance.
Respectfully Submitted By:
David Bencker
Recycling Committee Member
Management Report
March 21, 2015 – May 6, 2015
Sewer Project:
The Township completed the excavation and
replacement of three sanitary sewer main
lines near Windsor Court. The Township is
waiting for the ground to settle in these areas
before they grade and seed, approximately 2
– 3 weeks. Management informed the
residents in that vicinity of the grading plans.
The Township will return to complete a few
minor grouting repairs
that
will be
trenchless. After which time, the Township
will be done the sewer main work here at
Morgandale.
Michael Bossert continues to be actively
involved throughout this entire project,
working with the Township and Management
to ensure this project is running smoothly.
Good Plumbing informed the Association
that they will be starting the Association’s
sewer collection line work the first week of
June. Management will send notices to the
residents affected by the work. Management
is in the process of drafting a second progress
report to the Township.
Landscaping:
Clarke’s Landscaping has cut 2.5 times so far
this season.
Management informed 17
residents that Clarke’s Landscaping will be
removing or trimming trees by their home.
This work will take place over the next
couple of months; focusing on the hazardous
trees first. The Butterfly bushes were planted
around the Pennland Court basin this past
period.
All of the bike sheds and basin beds have
been prepped for mulching this week.
Several turf areas were seeded and a few
dead bushes were pulled.
Pool Maintenance:
Berardelli Pool Service found the slow leak
in the same location the repair was done at
the baby pool wall. This leak was repaired
and the pool is now operational.
Matt Frisco is doing a wonderful job
overseeing the opening and maintenance of
the pool. The pool furniture has been pulled
out and cleaned. The cabanas were installed,
water fountain was turned on and the pool
shed and supplies were checked. He has
been back-washing and vacuuming the pool,
and will do so until the lifeguards are
working full-time. Management ordered a
few additional replacement umbrellas.
Census Forms & Pool Tags:
Management is in the process of entering the
Census Forms into our system in preparation
for pool tags distribution. The pool tags,
guest passes, and pool rules will be
distributed the week of May 11th to those
residents, approximately 350, that submitted
their Census Forms to Management. Thank
you Carolyn for all your hard work!
Management and the Pool Committee will be
meeting with the lifeguards on Wednesday,
May 20th.
New Employee ~ Lucas Kleiger:
Power Washing:
The power washing project started on
Monday, May 4th. To date, Devonshire,
Clemens and most of Christopher Court have
been cleaned. Management gave prior notice
to the residents in those courts.
Door Painting:
Jeff Derstein is meticulously prepping the
door trim on several courts in preparation for
the door painting this summer. The doors on
the following courts will be painted this year:
Clemens,
Christopher,
Centennial,
Devonshire, and Stockton Courts.
Spring Inspections:
Management started the Spring inspections.
To date, the following courts have been
inspected.
Brunswick
Clemens
Devonshire
Hillock
Mulberry
Lexington
Marshall
Attention Dog Owners
Thank you for utilizing the doggy poo bags located
along the walking path. However, please do not
leave the used bags along the walking path. Please
dispose of the used poo bags in the container
provided at the poo bag stations. Also, please be sure
that your dog is on a leash at all times. Thank you,
Luke started on Monday, May 4th. Luke
comes to us with experience in Community
maintenance such as roofing, masonry,
painting, HVAC, plumbing, drywall,
landscaping, snow removal, and carpentry.
Luke has a pleasant personality and a good
sense of humor. We welcome Luke as a good
addition to our team.
Sincerely,
Jill L. Geiger, CMCA, AMS, PCAM
General Manager
Patio and Limited Common Element
Inspections
Management is in the process of performing
inspections of patios and flower beds. Remember the
only things allowed to be stored on your patio are:
outdoor furniture, barbecue grills, bicycles, planter
boxes/tubs, woodpiles, and sandboxes. Also, please
weed and mulch your planting areas and remove
empty flower pots. Unkempt patios and planting
areas will be cited. Thank you.
Bulk Items Disposal
Management Office
215-368-6350
Towamencin Township Information:
www.towamencin.org
Dates to Remember 2015
Council Meeting, Thursday, May 28, 2015,
6:30 p.m., in the Edwardian Clubhouse.
Community Yard Sale, Saturday, May 16th, 2015
8 a.m. to 12 Noon. Edwardian Clubhouse Parking
Lot.
Morgandale Day, Saturday, June 13, 2015 11 a.m.
to 4 p.m., Edwardian Clubhouse area.
Recycling Committee:
Gary Cassel
215-450-2373
[email protected]
Esther Miller
215-368-7951
[email protected]
John Lyon
215-368-0204
[email protected]
David Bencker
215-361-8548
[email protected]
Marianne Natali
215-432-4427
[email protected]
Management Contact Information
Carol A. Richard, CMCA, AMS, PCAM
Regional Director, 215-368-6350
Jill L. Geiger, CMCA, AMS, PCAM
General Manager
215-368-6350
[email protected]
Carolyn Carr, CMCA, AMS
Community Administrator, 215-368-6350
[email protected]
Office Hours—Monday through Friday, 8:00 a.m. to
5:00 p.m. Other times by appointment.
Fax: 215-368-6375
www.morgandalecondo.com
BERKSHIRE
HATHAWAY
HomeServices
Gary L. Cassel, GRI
Broker / Owner
Relocation Certified REALTOR 7
Keystone Properties
2131 N. Broad Street, Suite 200
Lansdale, PA 19446
Bus 215-855-1165 ext.120 Fax 215-855-3136
Cell 215-450-2373 Direct 267-638-2120
[email protected]
www.bhhskeystone.com
A member of the franchise system of BHH Affiliates, LLC.
Selling condos since 1975
Homeowner in Morgandale
#1 Selling agent in Morgandale in past three (3) years
Morgandale Condominium Association, the Council for Morgandale Condominium Association, and Mid-Atlantic Management
Company/Associa does not endorse any of the above advertisements. This advertisement page is supplied as a convenience to homeowners.