Comments: Comments Off on Introducing The Auto-Submit Platform for Servicing Delinquent Accounts! by Axela
We’re thrilled to announce a groundbreaking advancement in community association management: the launch of Auto-Submit, the industry’s first AI platform for identifying and servicing delinquent accounts, by Axela Technologies. In an industry where timely recovery of past-due assessments is paramount to financial stability, Axela’s Auto-Submit is a game-changer. This cutting-edge AI engine is designed to streamline collections processes, resulting in faster resolutions and cost-effective outcomes.
Here’s what you need to know about Auto-Submit: Efficiency at Scale: With deep integrations with leading accounting systems, Auto-Submit allows you to automate uniform collections policies and unit submissions. This ensures consistency across your portfolio and drastically improves aging trends, all while maintaining compliance with federal, state, and local laws.
Set It and Forget It: Configuring Auto-Submit is a breeze. Set your preferences, and the system executes the process from start to finish. Say goodbye to manual interventions and hello to autopilot collections.
Enhanced Responsiveness: Auto-submit doesn’t stop at collections. Our latest release also includes features for email responsiveness and call archiving. You can ensure prompt and accurate communication with homeowners with near-immediate email responses and detailed call transcriptions.
Continuous Innovation: We’re committed to advancing our AI platform to serve your needs better. As we develop new features, you can rest assured that Axela remains at the forefront of community association management technology.
We invite you to experience the future of collections with Auto-Submit. Schedule a demo today to see how Axela can transform your collections process and drive financial stability for your community.
Upcoming Event!
ONLINE AUTO-SUBMIT WEBINAR
April 18, 2024 @ 3PM EST.
Join us for an exclusive webinar unveiling Axela Technologies’ groundbreaking AI platform, Auto-Submit, revolutionizing delinquent account servicing in the CAM industry. Learn how our innovative solution ensures faster resolutions, compliance, and cost-effectiveness while putting your collections on autopilot. Don’t miss this opportunity to discover the future of collections!
Alexa Technologies is the top Collections Company SFPMA stands behind for every Condo, HOA in the State of Florida. Every Property Management Company and their Team members should learn how Alexa can aid them with the properties they manage. View Axela Tech’s Membership page on our members directory.
INDUSTRIALDo you have questions about asphalt sealing in West Palm Beach?The best way to protect asphalt surfaces is to sealcoat asphalt parking lots. If you are looking for the most trustworthy Asphalt Sealcoating Palm Beach Gardens company look no further than Atlantic Southern Paving!Asphalt is durable and flexible, but it can also deteriorate.It is possible to double the lifespan of asphalt by applying asphalt sealcoating. This protects the asphalt from future damage.
Sealcoating asphalt in West Palm Beach homes is a great way to protect your property from oxidation and ultraviolet rays.Asphalt starts to deteriorate at a microscopic level as soon as it is installed.
The asphalt’s binders begin to harden when it is exposed to oxygen.The asphalt surface can crack and become brittle from the continued hardening.Rainwater, moisture, and oxygen can penetrate pavement surfaces even if they have the smallest cracks.
The asphalt subbase can be affected by water and moisture. This can cause it to weaken and lose its strength.Sealcoating is very helpful as it protects the surface against oxidation and fills surface voids.
How water damages asphalt
The asphalt sealcoating of parking lots and driving surfaces allows them to resist water and prevent it from contacting the asphalt surface.Water can seep through asphalt, particularly when it is heavy rain.
Water can cause sub-base to become softened if it collects.Soft subbases can cause potholes or expensive repairs.Sealcoating asphalt surfaces create a protective layer that repels water.Sealcoating asphalt surfaces can help you save significant money on future repairs.
Oil and Gas Spills
Parking lots and asphalt surfaces must withstand harmful car chemicals like oil and gas.Particularly vulnerable to chemicals from automobiles are parking spaces.
The asphalt can soften if it is contaminated with gasoline or automobile oil.Oil or gasoline can penetrate asphalt pavement and cause sub base to degrade.
Asphalt sealcoating is made up of additives that protect asphalt from chemicals used in automobiles.You can also fill surface voids to reduce the depth of oil and gas that can penetrate asphalt.
Professional Asphalt Sealcoating In West Palm Beach
It is important to find a reliable and experienced contractor to sealcoat your West Palm Beach property.Atlantic Southern Paving and Sealcoating provides asphalt maintenance and construction services for more than two decades.
Every job we do is completed with customer satisfaction in mind.Atlantic Southern Paving can be reached at 954-518 4315 to speak with an expert about sealing asphalt surfaces.Ask for a free estimate on sealing your property.
Drones capture thousands of high-quality photos as they move in and around buildings at different altitudes.
Performing drone inspections on a consistent basis allows property managers to observe time-dependent changes such as concrete deterioration, roof wear and tear, and hurricane damage.
At SRI, our FAA-certified pilots perform drone surveys of residential and commercial properties throughout South Florida.
Drones take many videos and high-quality photos as they move in and around buildings at different altitudes. In a single mission, hundreds of data points can be captured for later use. That data provides a historical record to aid in insurance claims, maintenance and future renovations. At SRI, our FAA-certified pilots perform drone surveys of residential and commercial properties throughout South Florida. We use Catalogger image management software to easily store, search and access image and video data.
FAA-Certified Drone Pilots
All of our pilots have passed the FAA’s Small UAS Rule (Part 107) examination and maintain their flying credentials by passing recurrent examinations every two years.
Image Management with Catalogger
With a simple interface, Catalogger allows users to quickly access and share drone survey photos to guide maintenance, repair, and improvement projects. Image data is stored on the cloud and can be viewed on multiple devices via a password-protected portal.
Mission Planning With Recorded GPS Coordinates
Allows for repeated flights along the same path. Missions can be scheduled periodically to observe time-dependent changes such as concrete deterioration, roof wear and tear, hurricane damage, and modifications to surrounding structures.
5 examples of HOA websites (plus important features)
Almost every company and business has a website today – and for good reason. Anyone who wants to know more about you, or the products or services you provide, is going to search for you online. A well designed, user-friendly website helps ensure prospective clients convert to long-term customers.
Now, a homeowners association isn’t exactly like a business, but there are many similarities. HOAs must keep homeowners informed, collect payments (in the form of fees or dues) and advertise the community to prospective homebuyers. These are just a few of the many reasons why HOAs are strongly encouraged to have their own community website.
How a website can help HOAs operate with fewer glitches
An HOA website acts as a secure platform for sharing and receiving essential information like news, announcements, notices, forms, governing documents, resources, directories, and more. Instead of having to ask management or the board about upcoming member meetings or request an architectural change form, owners can log on to the association’s website and immediately get everything they need from one place.
The best websites will have a secure portal or page that only members can access. This helps with information sharing while being mindful of security and privacy.
Public photos of events, amenities and the HOA can also be shared to showcase the best of your community and entice prospective buyers. It’s an affordable and effective way to advertise.
Administrative tasks, such as maintenance requests or payments, can be streamlined and automated when they are brought online. Best of all, having an online system keeps everyone more accountable. Once a payment is made or a request is submitted, proof of that action is immediately available to management and owners.
Some states have made websites mandatory for associations
In some states, websites are actually required for larger communities. In Florida, if your condo association has 150 or more units, then it must have a website that complies with specific requirements (timeshare units are excluded).
Texas just put a similar rule into effect for HOAs with at least 60 lots, or any association under contract with a management company. These HOAs must make the most current version of the association’s “dedicatory instruments” relating to the association or subdivision—and filed in the county deed records—available on an internet website. Information must be maintained by the association or management company working for the HOA; it must be made available to all members.
When it comes to maintaining a happy and efficient HOA, communication is key. User-friendly technology has given HOAs an opportunity to improve connectivity and engagement. A website is one tool that will help HOA members to stay informed and involved. Apathy can lead to a fractured and stagnant HOA; a website encourages the opposite.
Why don’t more HOAs have websites?
Websites have come a long way, and with so many DIY platforms available, it’s become much easier to make one. But some boards may still be apprehensive about having a community website, while others may be worried about the time or costs involved in maintaining it. These are valid concerns, and it is important to discuss the following points with your HOA board before you move forward with getting a website:
What problems will the website aim to solve for owners, board members and management?
Can (and should) the HOA maintain the website on its own?
How much can the association afford to spend on a website? There are hosting fees and maintenance fees to consider in addition to the initial cost of the site
Has the board spoken with an attorney about the website and what information should be gated?
What are the requirements of the association? What features would it like the website to have?
Does the state or municipality have any requirements when it comes to HOA websites?
Can the website integrate with any of our current online systems?
Is there an HOA software company that could offer more options and features?
Getting a custom website
If the budget is available, many HOAs will elect to have someone else build their website for them. It’s usually a less stressful process when there’s a professional taking care of the hard stuff. While there are dozens of exceptional web designers out there, it can be hard to find the right one for your community.
Consider taking a less traditional route and hiring an HOA software company to build a custom site for you. Condo Control has a professional in-house designer available, and we work exclusively with residential communities. That means we’re in a better position to build an HOA-specific website than other developers.
Furthermore, we’ll make sure that owners have a password-protected section where they can easily find community news and information. Owners also have the option to login to their personal Condo Control account directly from the HOA website. From there, they can make online payments, book amenities, submit service requests/ architectural change forms and much more.
Make sure you get these 5 features
Your HOA website should be built based around the specific needs and goals of your community. That may mean you only need a few pages. Conversely, you may require multiple pages if your owners prefer to get documents and information online.
That being said, most communities will want to have the following features available to owners:
Desktop and mobile-friendly design
Your website must be available through mobile and desktop. Mobile traffic accounts for almost half of web traffic worldwide. According to Statista, In the first quarter of 2021, mobile devices (excluding tablets) generated 54.8% of global website traffic. Basically, more and more people are visiting websites through their phones. The convenience and ease of access means this trend will continue.
Community calendar
One of the best ways to ensure your owners show up to events is to integrate a community calendar right into the website. This is an easy way to keep everyone in the loop. When used collaboratively with HOA management software, admins can add events from the system and include details for meetings, social activities and even things like garbage pickup. These activities will then appear on the website calendar. Plus events can be added ahead of time or as they come up – it’s a flexible and simple solution.
Document storage
Giving owners 24/7 access to forms and governing documents, or board members a place where they can store and review every item relating to HOA business, is a gamechanger. Trying to keep papers organized is a lot of work, and trying to locate that one item you need in a file cabinet of folders is even harder. With online document storage, owners simply need to log in to the password protected area of the website, enter a keyword and they should be able to find what they’re looking for in seconds.
Resident maintenance requests
Since we’re keeping with the theme of simplifying and streamlining processes, online resident maintenance requests is another must-have website feature. Digital forms can be submitted by owners, and they can do this while they’re watching tv or commuting to work (since your site is mobile friendly). Management can see when new forms are submitted and request to receive notifications if they forget to follow up after a certain number of days.
Digital bulletin board and announcements
Communication is often the biggest issue impacting HOA communities. Sometimes, management thinks they are sharing enough, but owners still want more. Having an online system to post updates, notices and other information is an effective, cost-efficient solution. Messages can be created and shared in seconds, and associations forgo the print and mailing costs. Management can include links and attachments with these messages, too. Set expiry dates for time-sensitive announcements, or keep them up on the board for the entire year.
5 examples of great HOA websites
Below are some great examples of simple, user-friendly websites:
Lake Linganore Association
About the association
Lake Linganore is a very large association located in Maryland. It has dozens of private amenities available to users, including beaches, basketball courts, a dog park and even an events tent. Lake Linganore water is used as the primary source of drinking water for the City of Frederick, and it’s the emergency back-up water supply for Frederick County. It holds over 500-million gallons of water!
Why we like this website
The Lake Linganore site is very easy to navigate. There is contact information listed on the site, and a few small dropdown menus so as not to overwhelm the user. The visuals are also “on-brand,” or representative of the association’s qualities and characteristics. The interactive sections, such as the amenities map and historical timeline, is a great way to attract prospects.
Solano Grove
About the association
Solano Grove is a well-established community located in Jacksonville, Florida. It is an older condominium community, but that just means the units are more spacious than some of the newer builds.
Why we like this website
Solano Grove’s website offers users a clean and visually appealing space. There is just enough information; everything you need is easy to find. Owners won’t have a hard time figuring out where to login or register for the password-protected section.
Surfsong Condos
About the association
Surfsong Condos has 72 condominium units, a lovely clubhouse situated next to an oceanfront swimming pool and hot tub, and two tennis courts. Located in San Diego, atop a ninety-foot bluff overlooking the Pacific Ocean, it is a truly beautiful place to live.
Why we like this website
Surfsong’s website sets the tone for the community. It is organized, but has a fun, laidback feel too. Not only are there photos of the area, but the website also offers visitors a breathtaking video of the condo community as well.
The site encourages new owners to sign up for an account using information they would have received in their welcome letter. Moreover, it has a small list at the bottom of the website informing owners of the information they will be able to obtain on the password-protected section.
Detailed contact information for the management team can also be found at the bottom of the website so that anyone who wishes to speak with them can get in touch quickly and easily.
Deering Bay Marina
About the association
Deering Bay Marina, located in South Miami-Dade County, is a pristine marina community that caters to lovers of boating, nature, and outdoor sport. Members have access to some of the best fishing spots around.
Why we like this website
Beside the beautiful photos of this stunning marina, Deering Bay Marina’s website has lots of helpful information readily available. For example, you can check local tides and weather, and any slips that are for sale or for lease. Members can access a password-protected section of the site as well where they will get to see information and updates released exclusively for them.
The Willows HOA
About the association
The Willows HOA Resort Living boasts the perfect climate with tranquil and beautiful landscapes bordering the Bay. The Willows’ 201 homes are adjacent to Alameda’s shopping mall. There is a large clubhouse, perfect for parties and a gym as well as an inviting pool.
Why we like this website
The design is ideal for HOAs looking for a simple, straightforward layout. Updates to the community are posted on the landing page for ease of access and immediate viewing by community members. Important HOA documents are accessible with a login from the home page. Tabs at the top take you directly to the specific page, without a long dropdown menu to scan.
Bonus: An HOA website template created by Condo Control
Condo Control offers all of the must-have features that we highlighted earlier on. Our HOA management software supports and works directly with the websites our team creates. We build professional, user-friendly websites for HOAs that want to improve communications and augment the association’s brand. Click here to see an example.
Note that we can customize even simple templates. On this one, we include amenities and information about board meetings and board members. You will also see how the events calendar looks from a resident’s perspective. Admins can update monthly calendars directly from their Condo Control account. Our goal is to showcase the very best of your community.
What makes a great website
It’s really important that your website is aesthetically pleasing. To put it bluntly, an ugly site isn’t going to encourage owners to use it. But – looks aren’t everything. A great website is fast, user-friendly, current and secure. Some of these qualities will overlap with must-have website features we mentioned earlier.
Mobile-friendly
We’ve already talked about the importance of making sure your HOA website is mobile friendly.
Fast
Our attention spans are shorter than ever, and people expect fast load times. Your website should be capable of solving problems for owners, not creating more frustrations for them. If you hire someone to build your website for you, they will be able to take the proper steps to ensure your site loads quickly without compromising on the quality of images or functionalities.
Informative
The website should have all of the resources that owners frequently ask for. This saves you and your staff time since owners will be able to do more for themselves. Announcements, governing documents, and events should be available on the password-protected section of the site.
User-friendly
The website should be easy to navigate and allow visitors to find what they are looking for right away. Simplicity trumps complexity when it comes to websites.
Secure
Security must always be prioritized. Personal and sensitive information is invaluable; HOAs must take every step possible to ensure only authorized individuals have access to this information. In addition to creating a section just for residents, be sure to Secure your site with HTTPS (Hypertext Transfer Protocol Secure).
Costs
The last aspect of HOA websites we will discuss is the costs. While you could probably find a free website template, we strongly recommend investing in a site that will offer you the most value for your investment. Free sites will be slow, may have tons of ads and they are not very customizable. Free websites will not provide a great experience for you or your owners.
If you are fortunate enough to have a board or committee member who is comfortable with something like WordPress and a bit of code, your association might spend anywhere from $150 – $600 per year. Costs will depend on whether you build from scratch, or pay for a website builder like Wix or Squarespace.
This cost estimate takes into account things like the domain name, hosting, premium themes and add-ons. The downside here is that you are responsible for updating and maintaining everything.
Prefer to hire a professional instead? You could be charged anywhere from $3,000 – $20,000 (or more). That’s a huge range, but there are a lot of variables to consider. The skill of the developer, whether you hire a freelancer or agency to do the work, the custom features you require, add-ons like quarterly updates and any additional services will all impact the price.
Conclusion
HOA websites can act as a central resource hub for associations. Even if your owners aren’t tech-savvy, almost anyone can navigate and use a well-designed website. Plus, it doubles as an efficient advertising tool. With so many features and functions, having an HOA website just makes sense.
Meet Peter Mollengarden, Esq., BCS at the Firm’s networking group’s free Breakfast & Education event at Drive Shack in West Palm Beach, Fri., April 12 at 8:30am.
One CE for CAMs and excellent info for Board Members. Door Prizes too!
ACE Palm Beach County Breakfast & Education | Hurricane Prep for Community Associations
Please join us for delicious hot breakfast, awesome networking, and DBPR approved credit, vital for CAMS and excellent information for Board Members. Course: “Hurricane Prep for Community Associations”. Course #: 9628954. By Plastridge Insurance (3730). One IFM or ELE CEU. The ACE pros in attendance will also offer input about the topic. Plastridge instructor is: Andrew Massie.
Location: Drive Shack West Palm Bch, 1710 Belvedere Rd, West Palm Beach, FL 33406
Date and time: Fri, Apr 12, 2024 8:30 AM – 10:00 AM
Organizer: Mariel and Lisa, ACE, (516) 666-1333, mariel@acebytsk.com
Many associations have installed video surveillance cameras within the community common areas as a means to provide security for their residents. However, good intentions often lead to unanticipated consequences. In fact the use of video cameras may expose an association to liability.
Generally, an association is not a guarantor or insurer of any person’s safety and is not obligated to provide “security” to its residents. However, once an association assumes a duty to provide security, it must do so in a non-negligent manner. This may very well be the case with installing “security cameras.” Florida courts have routinely held that if an association undertakes, or appears to undertake, the duty to provide security for its community, it must also take certain measures to prevent criminal activity from occurring on the premises.
For example, the court in Vazquez v. Lago Grande Homeowners Ass’n, 900 So. 2d 587 (Fla. 3d DCA 2004), ruled that the association had a duty to exercise reasonable care to guard its residents against crime or criminal activity because the association had undertaken the responsibility to provide such security. In this case the association was a gated community with a guardhouse staffed 24 hours a day. The developer marketed the complex on the basis of safety, and the association collected a specific part of its assessments to provide for security. A resident of the association moved into the community because it appeared safe and was gated. The resident had many visitors, including a former neighbor and the neighbor’s children. One day the former neighbor’s estranged husband came into the community to pick up his children and got into an argument with the resident. Thereafter, the resident instructed the association’s security guards not to let the estranged husband into the community. Despite this, the security guards allowed the estranged husband to enter the community, and he shot the resident, shot and killed his ex-wife, and killed himself. The court found that the association had breached its duty to provide security because it continued to employ the security guards despite knowing that they routinely let unauthorized individuals into the community. Therefore, the association was found liable for the death of a visitor and injury of a resident.
Thus, associations may wish to be careful not to label the video cameras as “security cameras” and instead let the owners know that the cameras are for surveillance purposes only. As previously mentioned, associations have no duty to provide security, and having “security cameras” will lead owners to believe that the association is providing security.
Regardless of whether the association uses video cameras, it is still liable for criminal conduct that is reasonably foreseeable. In Czerwinski v. Sunrise Point Condominium, 540 So. 2d 199 (Fla. 3rd DCA 1999), the court ruled that a landlord generally has no duty to ensure the safety of its tenants or to protect them from the criminal acts of third persons unless the criminal occurrence is reasonably foreseeable. The court further noted that the landlord’s knowledge of prior crimes, against both persons and property, is relevant to the issue of foreseeability, even if the prior criminal acts are lesser crimes than the one committed against the plaintiff.
Based on these cases, community associations have been held liable in tort for failure to take precautions against criminal activities committed against the owners and residents if those criminal activities are reasonably foreseeable; and in addition they have been held liable when they voluntarily provide security services but fail to provide them in a reasonable manner.
Thus, if the association is inclined to install video cameras, it must do so in a reasonably prudent manner and should make sure the cameras are always being maintained in good condition and repaired as needed.
Another issue with providing cameras in the community is whether or not the cameras record audio. Florida law (Section 934.03, FS) makes it illegal to intentionally intercept, attempt to intercept, or procure any other person to intercept any wire, electronic, or oral communication through the use of a device if one does not have the prior consent of all parties. Therefore, the association’s cameras must be limited to visual images. The process of taking and recording video is perfectly legal, and you do not need to notify the owners or post signs upon the property that the association is taking or recording video. There is no privacy issue as long as the cameras are not directed into a resident’s home or into a bathroom, shower, changing room, or other area where there is a reasonable expectation of privacy. There is no reasonable expectation of privacy for persons who use the common areas or come onto the association’s property (with the exception of bathrooms, showers, units, etc.).
Lastly, a surveillance camera’s video recordings are not part of the association’s official records. The association’s official records are limited to written records, and a video recording is not a written record. As such, video camera recordings are not open for review by the association’s membership. Moreover, an association is not legally obligated to store the recordings for any specific period of time. However, if stored for any amount of time, the association must be sure to preserve the video in case it may be used as evidence in a court proceeding. Video footage should, therefore, be made and stored in a location where it will not be tampered with or duplicated. The footage should be stored in a secure location with access limited to authorized personal. Any footage that is to be kept should be preserved in an original and unaltered version by saving it in a secure manner that is incapable of being edited.
Mr. Edwards manages the community association practice in Becker’s Sarasota office and serves as corporate counsel to hundreds of condominium, cooperative, mobile home, and homeowners’ associations located in Sarasota, Manatee, Charlotte, and Highlands Counties. Mr. Edwards is also one of only 190 attorneys statewide who is a board-certified specialist in condominium and planned development law.
In addition to his extensive experience as a community association lawyer, Mr. Edwards has trial and appellate experience in many areas of corporate and civil litigation, construction litigation, covenant enforcement, real estate, and foreclosure law.
Comments: Comments Off on HB 1203: LOTS OF NEW PROTECTIONS FOR MEMBERS LIVING IN HOAs MAKES IT HARDER FOR CAMs
HB 1203: LOTS OF NEW PROTECTIONS FOR MEMBERS LIVING IN HOAs MAKES IT HARDER FOR CAMs
House Bill 1203 and SB 7046 merged to eventually create a huge bill for the protection of homeowners in HOAs. It starts by placing lots of responsibilities on community association managers.
A community association manager or community association management firm that is authorized by contract to provide community association management services to a homeowners’ association must do all of the following:
(a) Attend in person at least one member meeting or board meeting of the homeowners’ association annually.
(b) Provide to the members of the homeowners’ association the name and contact information for each community association manager or representative of a community association management firm assigned to the homeowners’ association, the manager’s or representative’s hours of availability, and a summary of the duties for which the manager or representative is responsible. The homeowners’ association must also post this information on the association’s website or application required under s.720.303(4)(b). The community association manager or community association management firm must update the homeowners’ association and its members within 14 business days after any change to such information.
(c) Provide to any member upon request a copy of the contract between the community association manager or community association management firm and the homeowners’ association and include such contract with association’s governing documents.
So what do you think so far of the new protections for members of an HOA?
Comments: Comments Off on Funding Construction Projects (Loans, Assessments & Reserves) Presented by Synovus. Course provided & taught by Kaye Bender Rembaum’s Kerstin Henze, Esq.
Funding Construction Projects (Loans, Assessments & Reserves)
MARCH 28 | 11am Est | Live via Zoom
Presented by Synovus. Course provided & taught by Kaye Bender Rembaum’s Kerstin Henze, Esq.
If you have difficulty seeing the graphics below, CLICK HERE for details and/or to RSVP.
Funding Construction Projects
Date & Time: Mar 28, 2024 11:00 AM in
Hosted by Synovus Bank. Course provided by Kaye Bender Rembaum. Funding Construction Projects (Loans, Assessments and Reserve Spending) Course# 9630148 | Provider# 0005092 | 1 CEU in IFM or ELE Instructor: Kerstin Henze, Esq.
Attendees will learn about the process of funding construction projects. The primary focus of the program is to review with attendees the different sources of funds that may be available to address construction projects and the procedures to be followed to properly utilize those sources of funds. Attendees will learn tips to avoid pitfalls when planning for large projects. Synovus’ community association specialist will be on hand to cover the lending aspects of the seminar.
SFPMA works throughout the State of Florida, we are a multi-member organization for the Condo, HOA and Property Management industry. Through knowledge based Articles, Events and our Members Directory, Clients find the right information to make an informed decisions for their Florida properties.
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