CMHO Reserve

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      Request for Reserve Fund for Insurance Deductible for the HOA.

      D & O insurance protects the Board of Directors (BOD) and Architectural Committee (AC) from liability for the decisions that they make in upholding the CC&Rs, the main responsibility being to preserve our valuable views.  If we were unable to have D & O insurance, we could not have an AC or BOD and each home owner would be left to enforce the CC&Rs on their own.

       At the last minute, we were able to obtain an insurance policy the HOA could afford at a cost of $5,000 for the year, but with a $25,000 deductible per case. Previous deductibles have been $5,000.

      If everyone gives a minimum of $100, we believe this will keep us solvent for the near future.  Since not everyone will or can give $100, please think about giving more if possible. Our goal is to raise at least $15,000.  We will keep it in a special fund just for the purpose of the insurance deductible. Since preservation of our most valuable asset, our views, is important to all residents, we hope to get a large percentage of homeowners to donate to this emergency fund.

      Thank you again for the support you have shown us, and we look forward to receiving your donation.