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Common Interest
The Official Publication of CAI-Connecticut
Vol. XIII: Issue 5⚫ 2018
CONNECTICUT CHAPTER
AMA
community
ASSOCIATIONS INSTITUTE
Inside:
FAQs
HOA Income Taxes
CYBER
LIABILITY
Computer Fraud and
Your Condominium
Insurance and
BUILDING
CODES
...And More!
THE MILFORD BANK
Condo Association
Loan Program
We offer interest rates that are among
the lowest in the industry, with flexible
terms and personal attention. Let us
assist your community by financing all of
your capital repair projects:
Roofing
Siding
MEET OUR LENDERS
Paul Portnoy
Vice President
Commercial Lending
203-783-5749
PPortnoy@milfordbank.com
Paving & Drainage
Painting
Windows
THE MILFORD BANK
Always There.
MILFORDBANK.COM/BUSINESS-LOANS
Mark Gruttadauria
Vice President
Business Development
203-783-5725
MGruttadauria@milfordbank.com
Call or email us today!
Equal
Member
Housing FDIC
Lender
2018 Board of Directors
Volume XIII: Issue 5, 2018
•
Common Interest
President's Message
Pamela Bowman, CMCA, EBP
PRESIDENT
Reggie Babcock.
PRESIDENT-ELECT
Prime Touch Services
Simsbury, CT
Westford Real Estate Management, LLC
Vernon, CT
Frank Pingelski, EBP.
..Tooher-Ferraris Insurance Group
Wilton, CT
CA
ent
dent
SECRETARY
Christine Carlisle, CPA
TREASURER
Jim Carroll..
Bill Jackson, EBP
Donna Rathbun, CMCA..
Chas Ryan, Esq., EBP.
Mark D. Sperry.
William W. Ward, Esq.
Greg Zajac, EBP..
Carney, Roy&Gerrol, P.C.
Rocky Hill, CT
...J.P. Carroll Construction, Inc.
West Hartford, CT
Belfor Property Restoration
Wallingford, CT
Imagineers, LLC
Hartford, CT
Pilicy & Ryan, P.C.
Watertown, CT
Fernwood Estates Association, Inc.
West Hartford, CT
Ackerly & Ward
Stamford, CT
Building Renewal, LLC
Durham, CT
Committee Chairpersons
Conference & Expo
Karl Kuegler, Jr., CMCA,
AMS
Education Program

ernwood Estates Association, Inc.
West Hartford, CT
Ackerly & Ward
Stamford, CT
Building Renewal, LLC
Durham, CT
Committee Chairpersons
Conference & Expo
Karl Kuegler, Jr., CMCA,
AMS
Education Program
Pam Bowman, CMCA, EBP
Donna Rathbun, CMCA
CAMMIES
Dave Pilon, EBP
CEO CAM Council
Gary Knauf, CMCA
Fall Fun
Carrie Mott, EBP
Golf
Carrie Mott, EBP
Kim McClain
Lawyers' Council
Robin Kahn, Esq.
Legislative Action
Scott J. Sandler, Esq.
Marketing
Sam Tomasetti, CPA
Membership
Wendy Colleary, EBP
Next Generation
Public Relations
Bob Gourley
Publication
Sam Tomasetti, CPA
Spring Fling
Linda Schaller, EBP
Ellen Sias, CMCA
Summer Sizzler
Chris Hansen, Esq.
Jon Gosnell, CMCA, AMS Website
Paradise
Mea Anderson
Chapter Executive Director
Staff
Who Is CAI?
Bob Gourley
Ellen Felix
Director Program Operations
The Connecticut Chapter is one of 63 Community Associations Institute
chapters worldwide. CAI-CT serves the educational, business, and network-
ing needs of community associations throughout Connecticut. Our members
include community association volunteer leaders, professional managers, com-
munity management firms, and other professionals and companies that provide
products and services to associations. The Connecticut Chapter has over 900
members including nearly 150 businesses, and over 450 community associa-
tions representing 50,000 homeowners.
The materials contained in this publication are designed to provide accurate,
timely and authoritative information with regard to the subject matter covered.
The opinions reflected herein are the opinion of the author and not necessar-
ily that of CAI. Acceptance of an advertisement in Common Interest does not
constitute approval or endorsement of the product or service by CAI. CAI-

in are the opinion of the author and not necessar-
ily that of CAI. Acceptance of an advertisement in Common Interest does not
constitute approval or endorsement of the product or service by CAI. CAI-
Connecticut reserves the right to reject or edit any advertisements, articles, or
items appearing in this publication.
To submit an article for publication in Common Interest contact Kim
McClain at (860) 633-5692 or e-mail: kim@caict.org.
Pam Bowman, CMCA, EBP
○
"Coming face-to-face sometimes
gives us great opportunities to
learn from others, our peers
or professionals and we can
understand the world and
complexities of others."
ne of the things we are hearing a lot of these days is how to
protect ourselves from social media. For example, refraining
from using personal and work emails for board members
and unit owners communications; and limiting the use of texting,
Facebook and tweeting will go a long way to protect your association.
I just read an article on how we have lost our ability to detox from
our digital lives and technologies. We can all agree we get much
accomplished with the use of our smart phones, tablets, and com-
puters. Unfortunately, instant gratification is something we may be
looking for with our multitude of communication platforms, but it
doesn't always turn out that way. Sometimes, the rapid fire rate in
which things happen and the inclusivity of too much or too many can
complicate matters.
Association Boards are running the business of their communi-
ties. And, more than likely, those board members hold down a job or
other volunteer positions and perhaps manage family members both
older and/or younger. Managers are doing their best to be a jack-
of-all-trades with the many things directed through email, text and

r
other volunteer positions and perhaps manage family members both
older and/or younger. Managers are doing their best to be a jack-
of-all-trades with the many things directed through email, text and
voicemail, both the office phone as well as the cell phone, and tasks
connected to the Board meetings.
We have touched on this before, we don't know what the person on
the other end is managing at the moment or in their day and they don't
know what has taken place in the world of the person they are contact-
ing. Coming face-to-face sometimes gives us great opportunities to
learn from others, our peers or professionals and we can understand
the world and complexities of others. This is one of the key reason we
offer so many events as a way to connect.
For Community Association Managers, our Summer Sizzler event
in East Haven on August 2 will present Cyber and Fraud - what you
should know from an insurance standpoint and a legal one. For Board
members, on September 15 in Wallingford we will offer our popular
Condo Inc. program. It's a commitment of a day and well worth the
time. On October 25 our Annual Legal Symposium takes place in
Stratford. If you haven't been to the Legal Symposium in the past, you
should definitely plan to attend. The topics are fresh and may also
offer a new perspective on common issues.
I look forward to seeing you at one of our upcoming events.
If you have any suggestions for education or want to learn some
more about a subject, please let us know.
CONNECT with CAI • 3
CONTENTS
3 President's Message
4 CED Message
4 CAI National Conference
5 Upcoming Events
6 New & Renewing Members
6 Statutory Snippet
7 Legally Speaking
10 Financially Speaking
14 Golf Wrap-Up & Photos
18 Communication Corner
20 Ask Mr. Condo
22 Manager's Column

nference
5 Upcoming Events
6 New & Renewing Members
6 Statutory Snippet
7 Legally Speaking
10 Financially Speaking
14 Golf Wrap-Up & Photos
18 Communication Corner
20 Ask Mr. Condo
22 Manager's Column
25 Cyber Liability, Computer Fraud and
Your Condominium
27 Paradise Wrap-Up & Photos
28 Technical Explanations
30 Have You Considered Hydro-raking as
an Aquatic Management Tool?
32 Environmental Tip
36 Classified Advertising
39 Index of Display Advertisers
Common Interest
Publication Committee
Sam Tomasetti, CPA Chair
Tomasetti, Kulas & Co.
Reggie Babcock
Westford Real Estate Management, LLC
Adam J. Cohen, Esq.
Pullman & Comley, LLC
Bob Gourley
MyEZCondo
Steve Weir
American Integrity Property Restoration
Tim Wentzell, P.E.
Connecticut Property Engineering
Common Interest is published by the Connecticut
Chapter of the Community Associations Institute. All
articles and paid advertising represent the opinions of
authors and advertisers and not necessarily the opinion
of either Common Interest, the official publication of
CAI Connecticut or Community Associations Institute.
This publication is issued with the understanding that
the publisher is not engaged in rendering financial,
legal, accounting or other professional services, and the
information contained with in should not be construed
as a recommendation for any course of action regarding
financial, legal, accounting or other professional service
by CAI, the Connecticut Chapter, Common Interest or
advertisers. If legal service or other expert assistance is
required, the services of a competent professional should
be sought. The entire contents of Common Interest is
protected by copyright. Reproduction in whole or in
part without written permission is expressly prohibited.
S
From the Chapter Executive Director

be sought. The entire contents of Common Interest is
protected by copyright. Reproduction in whole or in
part without written permission is expressly prohibited.
S
From the Chapter Executive Director
"If you make listening and observing
your occupation you will gain much
more than you can by talking."
~ Robert Baden-Powell
Kim McClain
everal years ago, a former choir director of mine was often reminding us to “Listen more
than you sing." In an ensemble, it is obviously very important to be keenly aware of how
your voice is blending with those around you. Without listening, you can more easily be
"that" voice that sticks out.
Association boards should ideally function as an ensemble. The president is in the role of the
director, making certain that voices can be heard, and no one is being overly loud or drowning
others out. It seems that the more effective presidents are those who really take the time to
listen to both board members and owners of the community. It is truly amazing what one can
discover when the focus is on hearing what someone is saying versus waiting impatiently to
jump in with the point you feel the need to make.
With some stretches of great summer weather still ahead of us, and the opportunity to find
more people outside enjoying the sunshine, this might present a chance to do a "listening tour"
of your community. Wouldn't it be great if board members had casual chats about taking the
pulse of the community before the next board meeting? Then they may learn more about the
priorities of the owners in the community and be better prepared when it comes to budget time
in terms of how those priorities can be translated into line items or not. Why not give it a try?
We have many great events coming up this Fall! We know how much many of
you appreci-

es to budget time
in terms of how those priorities can be translated into line items or not. Why not give it a try?
We have many great events coming up this Fall! We know how much many of
you appreci-
ate being able to ask your legal questions to our very knowledgeable attorney speakers at our
Annual Legal Symposium. October 25, 2018 at Oronoque Village in Stratford are the impor-
tant details. Be sure to register at: www.caict.org. This event is often a sellout. Don't miss out.
Enjoy the sunshine!
Oh, the Places You'll Go! CAI National Conference
The
The CAI National Conference, usually held in early May each year, moves around the coun-
try. Last year we were in Las Vegas, this year was Washington, D.C. and next year it will be
Orlando. Think about joining us for this event! Every time we go, we learn so much about how
common issues are handled throughout the country. We are also always amazed at the new types of
products and services especially designed to make community association living better. (Check out
the picture of the Trikke below. A really cool way to get around a community that costs less than a
golf cart and is more efficient for going all around a property.) Oh the things you can discover! |
(above, left to right) Jean Dobbin - Dobbin Management, Inc.;
Ellen Felix - CAI-CT; Reggie Babcock, President-Elect - Westford
Real Estate Management, LLC; Pamela Bowman, CMCA, EBP,
CAI-CT President - Prime Touch Services; Donna Rathbun, CMCA -
Imagineers, LLC, Kim McClain - CAI-CT and Karl Kuegler, Jr., CMCA,
AMS.
(below) Pamela Bowman -
CAI-CT President checks
out one of the many new
products at the recent
National CAI Conference in
Washington, D.C.
KE
BILITY
XKF
Photos courtesy CAI-CT.
Courtesy CAI-CT.
OiStockphoto.com
UPCOMING CAI-CT EVENTS

esident checks
out one of the many new
products at the recent
National CAI Conference in
Washington, D.C.
KE
BILITY
XKF
Photos courtesy CAI-CT.
Courtesy CAI-CT.
OiStockphoto.com
UPCOMING CAI-CT EVENTS
CAMMIES - Nominations Close
Friday, August 17, 2018
Nominations may be made online at the CAMMIES website at http://
cammies.org. The awards will be given out on Thursday, September 27,
2018 at the Night of Fall Fun at the Aqua Turf in Plantsville, CT.
Condo Inc. -
The Business of Running Your Community
Saturday, September 15, 2018, 8:30 am - 3:00 pm
BELFOR Property Restoration, Wallingford
Do you serve on the board of your association?
Are you considering serving? Whether you
are a seasoned board member, a recently
elected board member or unit owner seeking to
understand more about how an association runs,
this course is for you!
$50- CAI Members, $100 - Non-Members
Sponsorships are available for this event.
Fall Fun Party & the CAMMIES
Thursday, September 27, 2018
Aqua Turf, Plantsville
Legal Symposium
Thursday, October 25, 2018
Oronoque Village, Stratford
CONNECTICUT CHAPTER
community
ASSOCIATIONS INSTITUTE
CONDO, INC.
community
Visit www.caict.org to register
and for updated information.
community
ASSOCIATIONS INSTITUTE
NEW dues structure available
for homeowner leaders!
Please contact
MEMBER SERVICES
at
888-224-4321
or
cal-info@CAlonline.org
for more information
CONDO, INC.
CAI-CT's Recommended Course for All
Connecticut Community Associations
CONDO, INC. I
The Business of Running Your Community
CONNECTICUT CHAPTER
Aña
community
ASSOCIATIONS INSTITUTE
Do you serve on the board of your association? Are you considering
serving? Whether you are a seasoned board member, a recently
elected board member or unit owner seeking to understand more

INSTITUTE
Do you serve on the board of your association? Are you considering
serving? Whether you are a seasoned board member, a recently
elected board member or unit owner seeking to understand more
about how an association runs, this course is for you!
Topics include:
Saturday, September 15, 2018
Wallingford, CT
All sessions 8:30am-3:00pm
Light breakfast and lunch
Members $50, Non members $100
•
LEGAL: CIOA, Documents, Rules Enforcement
• FINANCIALS: Budgets & Reserves
•
OPERATIONS: Effective Board Meetings, Contracts, Maintenance, Bid Process
CONTEMPORARY ISSUES: Reserve Analysis, Long-Term Planning
•
INSURANCE: CIOA, Risk Management, HO6 Policies, D&O Insurance
GOOD FOR 6.0 CONTINUING ED CREDITS
Visit www.caict.org to register.
CONNECT with CAI • 5
©iStockphoto.com
NEW & RENEWING MEMBERS
Welcome New Members
Associations
Chateau Wood Condominium Association
The Club at Norwich Inn and Spa
Deer Hill Arms Condominiums Association
Heather Ridge Condominium Association Inc.
The Hills - Rivington
Meadow Farm of Farmington
Palmer Landing Community Association
ParkSide South Condominium
Riverview Commons Association
Individual Managers
Margaret Behan
Sebastian Costantini
Laura E. Jahn
Rachael E. Rosario, CMCA, AMS
Business Partners
Advanced Video Security, LLC
American Leak Detection
Thank You Renewing Members
Associations
The Preserve Condominium Association
Village Victoria Condominium Association
Waters Edge Condominium Association
Webster Hill Estates
Westside Woods Condominium
Wolfpit 27 Condominium Association
Management Companies
Barkan Management Company, Inc.
CM Property Management
Empire Property Management Corporation
KWA Group Kuzmak-Williams & Associates, LLC
Plaza Realty & Management Corporation
Premier Property Management
Residential Management Corporation

perty Management
Empire Property Management Corporation
KWA Group Kuzmak-Williams & Associates, LLC
Plaza Realty & Management Corporation
Premier Property Management
Residential Management Corporation
SOMAK Property Management
White & Katzman Management, Inc.
Individual Managers
Alan P. Barberino, CMCA
Lon Brotman, PCAM
David Candelora
Keith William Confalone, CMCA
William Brian Crawford
3000 Madison Ave. Condominium Association Alex Danis
Ballymeade Association, Inc.
Beacon Hill Condominium-Beacon Falls
Brookwoods II
Carriage Crossing Association, Inc.
Chapel Hill Condominium Association
Chatfield Farm Community Assn., Inc.
Churchill South
Clockmakers Hill Condominium Association
Countryside Manor Condominium Assn., Inc.
Dartmoor West Townhouses Association, Inc.
Edgewater Association, Inc.
Fennwyck Estates
Founders Village Homeowners Assn., Inc.
Four Beaches Condominium Association
Gloria Commons Homeowners Assn., Inc.
Hallmark Hill Condominium Association
Hatfield Mews Townhouse Owners Corp.
High Ridge Estates Condominium Assn.
Hopmeadow Place Condominium
Kendall Green Condominium II Association
Lambert Common Association, Inc.
Long Hill Farm Association
Mattabasset Owners Association, Inc.
North Field Condominium
Northfield Green Condominium Assn., Inc.
Oaks Condominium Association, Inc.
Old Mill Townhomes
Oldefield Farms Homeowners Assn., Inc.
Palmer Landing Community Association
Prosperity Park Condo Association
Regency Towers
South Mill Village Association
Spice Glen Homeowners Association
Steeplechase Condominium Association
Sterling Village Assn., Inc.
The Crossings Homeowners Association
The Fairways at Torrington Condominium
Association, Inc.
Jean Dobbin
Kathy Dubay, CMCA, AMS
Jesse Englehart, CMCA, AMS
Lisa S. Glover, CMCA, AMS
Regina A. Hamel

c.
The Crossings Homeowners Association
The Fairways at Torrington Condominium
Association, Inc.
Jean Dobbin
Kathy Dubay, CMCA, AMS
Jesse Englehart, CMCA, AMS
Lisa S. Glover, CMCA, AMS
Regina A. Hamel
Mary Heberger, CMCA
John Hufcut
J. Kent Humphrey, CMCA
Crystal Klatt, CMCA
Sandra A. Pimentel, CMCA
Andrew Price, CMCA, AMS
Debra Rainone, CMCA
Peggyann Routhier, CMCA, AMS
Ellen B. Sias, CMCA
John Staley
Richard R. Stoeppel
Janet Van Tassell, CMCA
Dianna Marie Wilson, CMCA
Business Partners
Adam Quenneville Roofing, Siding & Windows
American Safe Wash
Banti & DeFelice, LLC
Bouvier Insurance
CINC Systems
Eagle Rivet Roof Services Corp
First County Bank
Hodge Insurance Agency
Ion Bank
Mutual of Omaha Bank/Community
Association Banking & CondoCerts
People's United Insurance Agency
Pro-Klean Cleaning & Restoration Services
Pullman & Comley, LLC
SavATree/SavaLawn
Simsbury Bank
The Reardon Agency, Inc.
Union Bank Homeowners Association Services
Webster Bank
For Membership Information
Visit www.caionline.org.
Statutory Snippet...
On the state level, what
are the annual reporting
requirements of a Common
Interest Community, if any, and to
whom?
If it is incorporated, the association is required
to file an annual report with the Secretary of the
State concerning its corporate status. The asso-
ciation is also required to file annually with the
town clerk of the town in which it is located information
about the contact person for obtaining resale certificates.
Source: State of Connecticut: Frequently Asked Questions by: Matthew N.
Perlstein, Esq. – Feldman, Perlstein & Greene, LLC. Reprint permission granted.
You can find the entire document on our website: www.caict.org.
-
CAI-CT'S 6TH ANNUAL
LEGAL & LEGISLATIVE
SYMPOSIUM
Proceeds to benefit legislative advocacy.
GOOD FOR 4.0

. Reprint permission granted.
You can find the entire document on our website: www.caict.org.
-
CAI-CT'S 6TH ANNUAL
LEGAL & LEGISLATIVE
SYMPOSIUM
Proceeds to benefit legislative advocacy.
GOOD FOR 4.0
CONTINUING
ED CREDITS
Date: Thursday, October 25, 2018
Time: 1:00-5:00 pm
Place: Oronoque Village Clubhouse,
Stratford, CT
Speaker proposals are due
August 15, 2018. We are still looking
for interesting and challenging
legal topics.
-
Once Again - Wine and cheese reception
included in the price of registration.
Learn in the afternoon and share some laughs in the
evening! After the Symposium, we'll relax with some
tasty food and libations. Please join us!
CONNECTICUT CHAPTER
Aña
$50 CAI-CT members Community
$75 Non-members
ASSOCIATIONS INSTITUTE
Legally Speaking...
Volume XIII: Issue 5, 2018 •
Common Interest
If A Tree Falls... Who Pays?
By Adam J. Cohen, Esq.
OiStockphoto.com
T
Adam Cohen, Esq.
Trees often damage property and structures by overgrowing,
dropping sap and branches, snarling underground utilities, or
falling unexpectedly. The damage can be substantial or even
deadly. Trees might be “happy” when they're in a Bob Ross painting,
but you certainly won't be if your neighbor's tree suddenly appears
in your living room. Which, of course, leads to the question: who is
responsible to pay for the damage?
Legally, the owner of a tree is whoever owns the land attached to its
trunk. If the tree sits on a boundary line or on jointly-owned property,
all of the owners of land touching the trunk own the tree equally. Those
owners can generally plant, alter, or remove their trees as they wish. But
the owners of properties which do not touch the trunk have some rights
as well. For example, if a tree's branches or roots extend over a property

plant, alter, or remove their trees as they wish. But
the owners of properties which do not touch the trunk have some rights
as well. For example, if a tree's branches or roots extend over a property
line, the neighboring landowner can trim them back to the boundary.
Ownership of a tree growing in a common interest ownership com-
munity depends on the type of community, the wording of its declaration,
and the tree's exact location. In a typical condominium where all outdoor
areas are common elements, trees are owned jointly by all unit owners but
maintained by the association through its executive board, which also can
trim branches or roots reaching in from outside the community's borders.
In a planned community where units often include a house's surrounding
lawn, trees on those lawns are owned by those owners individually, while
the association only controls trees in the common areas which the associa-
tion owns directly. In either case, the owners of neighboring land – either
an adjacent unit or property outside the community – have the right to
cut the overhanging branches or roots of that owner's trees which extend
beyond their boundary at their own expense.
-
Owning and maintaining a tree does not automatically mean
responsibility for any damage that it causes. Leaves and sap which fall
from a tree are considered natural products; a court typically would
not hold a tree's owner responsible even if they damage a nearby
home's siding or clog someone else's gutters or pipes. Likewise, when
the tree itself or its branches fall onto another person's property, the
general rule is that the tree's owner is not responsible for any damage
or injuries. Wind, snow, lightning, and other causes are considered

elf or its branches fall onto another person's property, the
general rule is that the tree's owner is not responsible for any damage
or injuries. Wind, snow, lightning, and other causes are considered
natural events, and the owner of land where a tree falls for these rea-
sons cannot hold the tree's owner liable for compensation. Insurance
on the property where the tree fell would probably cover the cost
to repair a damaged structure, but probably not to remove the tree's
remnants on the ground.
"Every town in Connecticut appoints a tree
warden charged with control of trees along
public roads, sidewalks, and grounds as well
as the branches or roots affecting them."
However, the law offers a limited exception when the tree's owner
was negligent in that he knew or should have known that the tree was
dead, diseased, rotting, or otherwise likely to come down. This means
that a landowner with actual knowledge that a particular tree is rotting
and obviously at risk of falling must remove the tree or take other pro-
tective measures, or be liable to a neighbor whose property is damaged
when it does. But the law does not obligate people to continuously
monitor and inspect every tree they own for nonvisible decay. This is
why a condominium association in Westport won a court case last year
when a rotting tree branch fell from its property onto a car parked in a
nearby commercial lot, since the car's owner could not prove that the
association should have known the branch was likely to fall.
Local government also plays a role. Every town in Connecticut
appoints a tree warden charged with control of trees along public roads,
sidewalks, and grounds as well as the branches or roots affecting them.
This means the private owner of a tree whose roots damage a sidewalk

ee warden charged with control of trees along public roads,
sidewalks, and grounds as well as the branches or roots affecting them.
This means the private owner of a tree whose roots damage a sidewalk
or road badly enough to injure someone using it will often be considered
immune from liability, since that owner wouldn't have the right to dig up
the road or sidewalk. The tree warden himself, of course, has the authority
to order that trees be trimmed or removed as necessary for public safety.
[Continues on page 8.]
CONNECT with CAI • 7
Community Associations Institute-Connecticut Chapter
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And with total confidence.
RESERVE™
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Long-term thinking. Everyday commitment.
For your reserve study proposal, contact Michelle Baldry at
(844) 701-9884 or visit reserveadvisors.com.
TREE...from page 7.
In the past few years, legislation has periodically been proposed in
Connecticut which would make it easier for people to hold their neigh-
bors responsible for falling trees, but none of the proposals have passed.
Courts have relied on these failures as the legislature's intent to keep the
law as it is: that tree owners are usually not liable. Unless a tree's unsafe
condition was either obvious or actually known to its owner, a person
who is injured by it or whose property is damaged by it will have a hard
time suing over it. Some courts have even suggested that a neighbor him-
self might negligently contribute to damage – reducing or eliminating the

t or whose property is damaged by it will have a hard
time suing over it. Some courts have even suggested that a neighbor him-
self might negligently contribute to damage – reducing or eliminating the
small degree of liability which exists - if he does not exercise his right to
trim an overhanging branch before it falls.
When an association or unit owner is concerned about someone
else's nearby tree, communication is the best approach. Giving the
neighbor a heads up about plans to trim the branches or roots back
to the property line, or bringing to the neighbor's attention evidence
that the tree appears diseased or unstable, is the right place to start.
Depending on the tree's location, the town's tree warden may also be
able to help. If you have reason to suspect a tree on your own asso-
ciation's property is dead or diseased, a licensed arborist should be
consulted, and the tree should be cut or removed if it poses any risk. ■
Adam J. Cohen is an attorney with the Law Firm of Pullman & Comley, LLC
headquartered in Bridgeport, Connecticut. As the Chair of its Community Associations
Section, he represents and gives seminars to condominiums, tax districts, and other
communities in matters ranging from amendments of governing documents to revenue
collection strategies and commercial disputes.
S
A HIGHER Level of
Association MANAGEMENT
Sentry Management
joins with
Phoenix Property
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SENTRY
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860-282-7733
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hartford.sentrymgt.com
8 CONNECT with CAI
OiStockphoto.com
It's time for our
Annual Fall Fun
event &
The CAMMies!
Volume XIII: Issue 5, 2018 Common Interest
FUN
AHEAD
Our Annual Night of Fall Fun is
always a crowd pleaser.
This is our 4th Annual CAMMIES Awards

t's time for our
Annual Fall Fun
event &
The CAMMies!
Volume XIII: Issue 5, 2018 Common Interest
FUN
AHEAD
Our Annual Night of Fall Fun is
always a crowd pleaser.
This is our 4th Annual CAMMIES Awards
Presentation. Be sure to nominate
your favorite Community
Association Manager today!
Don't miss the celebration!
It's won't be FUN without you!!
To register visit www.caict.org
SPECIALIZING IN CONDOMINIUMS.
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Community Associations Institute-Connecticut Chapter
Financially Speaking...
Frequently Asked Questions:
Homeowners' Association Income Taxes
By Marsha Elliott and Sam Tomasetti, CPA
Marsha Elliott
Sam Tomasetti, CPA
CiStockphoto.com
Question: If my homeowners' association is organized under the
non-stock corporation act of the State of Connecticut as a not-for-
profit entity why do I have to pay federal taxes?
Answer: Organizing under the non-stock corporation act of the
State of Connecticut as a not-for-profit entity does not exempt your
Association from paying federal taxes on certain income.
Explanation: Homeowners' associations, which are not Internal
Revenue Code (IRC) Section 501(c) tax exempt organizations, are not
exempt from federal taxation under current law even if they were orga-

Explanation: Homeowners' associations, which are not Internal
Revenue Code (IRC) Section 501(c) tax exempt organizations, are not
exempt from federal taxation under current law even if they were orga-
nized under the non-stock corporation act of the State of Connecticut
as a not-for-profit entity. For Federal tax purposes, homeowners’
associations are defined as residential condominium associations, real
estate management associations or timeshares. A homeowners' asso-
ciation basically has two choices when the annual Federal income tax
return is filed. They can either elect to file as a homeowners' associa-
tion under IRC Section 528 if certain requirements are met, or they
can generally file as a regular corporation under IRC Section 277.
When a homeowners' association elects to file under IRC Section
528 it must break down income and expense between exempt function
activities and those that are entered into for the production of income
such as laundry income and interest income earning activities (referred
to as nonexempt function activities). Once this analysis is performed,
the nonexempt function activities less any applicable expenses are
taxed at the flat Federal rate only of 30% after a statutory allowance
of $100 is deducted for homeowners' associations except timeshares
which are taxed at 32%. In addition, electing to file as a homeown-
ers' association provides an exemption from Connecticut corporate
income taxes, if the return is timely filed.*
On the other hand, when an association files an annual tax return
(i.e. Federal Form 1120) according to IRC Section 277, it must ana-
lyze the components of income and expense into membership and
non-membership activities. The net non-membership income is taxed

turn
(i.e. Federal Form 1120) according to IRC Section 277, it must ana-
lyze the components of income and expense into membership and
non-membership activities. The net non-membership income is taxed
at regular corporate income tax rates for Federal and State purposes.
Therefore, by filing the regular corporation return, the Association
pays both federal and state taxes. This code section is more complex
and typically is not the preferable filing option for many associations
as it relates to the various code sections and revenue rulings applicable
to this type of filing. However, it may provide a more favorable tax
outcome depending on the Association's specific tax situation or may
be a required filing if the 1120-H filing requirements are not met (see
requirements below).
10 CONNECT with CAI
"What types of
homeowners' association
income are considered
taxable and non-taxable
income if I file an 1120-H
under IRC Section 528?"
Question: Are there annual requirements to file the Federal Form
1120-H for Homeowners' Associations or can I just file it each year?
Answer: Yes, there are requirements that must be met for this
election, and if not met, the Association must file a corporate tax return
(i.e. Federal Form 1120).
Explanation: Certain "homeowners' associations" as defined for
tax purposes are required to meet the following tests to qualify for the
IRC Section 528 election to file an 1120-H:
1. Substantially Residential Test: This test requires that majority
(about 85%) of the units in a homeowners' association be held for
residential purposes except for timeshares.
of
2. Sixty (60%) Income Test: This test requires that at least 60% of the
association's gross income for the tax year be made up of exempt
function income or income to carry out the “exempt” purpose

of
2. Sixty (60%) Income Test: This test requires that at least 60% of the
association's gross income for the tax year be made up of exempt
function income or income to carry out the “exempt” purpose
the association which is to acquire, construct, manage, maintain and
care for the property of the association.
3. Ninety (90%) Expenditure Test: This test requires that at least
90% of the homeowners' association's expenses for the tax year
be for carrying out the "exempt” purpose of the association
which is to acquire, construct, manage, maintain and care for
association property.
4. Lack of Private Benefit Test: This test requires that no member of
the homeowners' association profit from the net earnings of the
association. In other words, profits or earnings can't be distributed
to members of the association. Refunding excess members assess-
ment or fees is not considered a distribution.
Understanding the importance of meeting these test requirements
and proper documentation are key for your association.
Question: What types of homeowners' association income are
considered taxable and non-taxable income if I file an 1120-H under
IRC Section 528?
Answer: In general, taxable non-exempt function income is pri-
marily generated from 3 sources. Income from non-association proper-
ty, income from non-members use of association property and amounts
charged to members of the association for specific services. Non-taxable
or exempt function income includes members' fees and assessments
related to the exempt purpose of the homeowners' association.
Explanation: The first source is typically made up of income
received from investing activities such as interest income on invest-
ments and if an association engages in commercial activities. The sec-

xplanation: The first source is typically made up of income
received from investing activities such as interest income on invest-
ments and if an association engages in commercial activities. The sec-
ond source of non-exempt income can be items such as guest fees and
certain other amounts received from non-members of the association.
The third source is from special charges to individual members of the
association. The following are examples of sources of non-exempt
function or taxable income:
SANDLER
HANSEN &
ALEXANDER LLC
ATTORNEYS AND COUNSELORS AT LAW
98 Washington Street, Third Floor
Middletown, CT 06457
Phone: (860) 398-9090 Facsimile (860) 316-2993
www.shacondo.legal
Volume XIII: Issue 5, 2018 Common Interest
Source 1 - Amounts received from investing/commercial activi-
ties: Interest income (other than non-exempt interest), sale of assets,
commercial business activities.
-
Source 2 Amounts received from/charged to non-members:
Laundry facilities, vending machines, community room rental, stor-
age room rental, garage parking rental, recreation facilities, rental
of a unit owned by the association, golf courses, restaurants, boat
rental, guest fees, and resale certifications to potential buyers.
Source 3 Amounts assessed to members for specific services:
Laundry facilities, non-refundable keys, community room rental,
storage room rental, garage parking rental, recreation facilities, golf
courses, restaurants, and boat rental.
Examples of nontaxable or exempt function income are member
common charges, assessment for major repairs and replacements, fees,
fines and penalties to the members and move in/move out fees.
The Association should be mindful that these are examples of types
of income which could be subject to tax, but each association must

ees,
fines and penalties to the members and move in/move out fees.
The Association should be mindful that these are examples of types
of income which could be subject to tax, but each association must
understand its individual situation and assess the underlying purpose
of the income being generated and document it.
The above answers to Frequently Asked Questions regarding
income taxes are general in nature but can provide your association
with an underlying basis for learning about homeowners' association
income taxation. However, for best practices, it is always important to
[Continues on page 12.]
Providing High Quality Legal Services
to Connecticut Condominium &
•
Homeowner Associations
Collecting common charges and foreclosing association liens
Interpreting, amending and updating documents
Scott J. Sandler, Esq.†
Christopher E. Hansen, Esq.
Michael S. Alexander, Esq.
Fellow, College of Community Association Lawyers
•
Document and rule enforcement
•
Transition from declarant control
•
Negotiating and litigating with declarants
•
Reviewing, negotiating and litigating contracts
•
Representing associations borrowing from banks
•
Maintaining and updating corporate records and filings
CONNECT with CAI 11
Community Associations Institute-Connecticut Chapter
Attention CAI-CT
Business Partners:
Is your company seeking to
offer education programs for our
Community Association Managers?
Would like to ensure these programs
you
are eligible for Continuing Education
credits? Contact us. Be sure
your programs are
CAI-CT Approved!
CONNECTICUT CHAPTER
community
ASSOCIATIONS INSTITUTE
GAI-07
APPROVED
APPROVED
FINANCIAL...from page 11.
consult with your tax professional for advice regarding your specific
tax situation and the application of the tax laws.

unity
ASSOCIATIONS INSTITUTE
GAI-07
APPROVED
APPROVED
FINANCIAL...from page 11.
consult with your tax professional for advice regarding your specific
tax situation and the application of the tax laws.
*Please note: As of May 15, 2018, we are not aware of a change
to the flat tax rate of 30% for Homeowners Associations filing Form
1120-H. However, there has been a change to the regular corporation
tax rate which is now a flat tax rate of 21% effective for taxable years
beginning after December 31, 2017. Please consult your tax profes-
sional regarding the change in the tax law and how these changes may
be applicable to your Association.
Sam Tomasetti, CPA is a principal in the accounting firm of Tomasetti, Kulas & Co.,
P.C. Sam served on the CAI-CT Board of Directors as its Treasurer from 1999-2003.
He is currently Chairperson of the Publications and Marketing Committees. Sam is a
frequent speaker at CAI-CT education programs. Marsha Elliott is staff supervisor and
has worked with all the financial aspects of condominium associations in the past thirteen
years at Tomasetti, Kulas & Company, P.C.
Editor's Note: We wish to bid a fond farewell to Marsha Elliott.
She has taken a new position in Stamford. Over the years,
Marsha has contributed many articles to Common Interest,
with the intention of helping our readers to better understand
financial issues. We will miss her dedication and positive spirit!
Call (860) 633-5692 or email kim@caict.org.
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O
Glorious Golf!
ur 142 golfers were treated to an absolutely spectacular day at the
CAI-CT 19th Annual Golf tournament on June 11, 2018. The weather
could not have been better and the great energy and camaraderie on the
course made for a very fun and relaxed day.
We wish to offer a big THANK YOU to our amazing Golf Committee. They
worked hard to make certain the tournament was a great success. The committee
has already begun planning for next year. Save the date: June 10, 2019!
Golf Committee
Chairperson: Carrie Mott
Bouvier Insurance
Paul Gray Certa Pro Painters of Mystic-Glastonbury
Josh Suzio
Bouvier Insurance
Jim Torello Belfor Restoration Services
Rick Torello
- Belfor Restoration Services
Diana Wilson, CMCA – KWA Group – Kuzmak-Williams & Associates, LLC
An enormous part of the success of the event is due to the many wonderful
volunteers who were with us from the early morning until the end. This event
could not possibly run so smoothly without such an incredible team of volun-
teers. Thank you! We also wish to thank to Alan Barberino and Deann Uberti

from the early morning until the end. This event
could not possibly run so smoothly without such an incredible team of volun-
teers. Thank you! We also wish to thank to Alan Barberino and Deann Uberti
for using their photography talents to help capture the fun moments in pictures.
(right) Scott J. Sandler,
Esq., CCAL-Sandler,
Hansen & Alexander, LLC
(below) Alan Rosenberg, Esq. —
Rosenberg & Rosenberg, P.C.
14 CONNECT with CAI
SANDLER
HANSEN &
ALEXANDER, LLC
(above) Elizabeth Wilkins & Kristyn Seabra —
Bouvier Insurance
(below) Richard Audet - Audet Property Management & Real
Estate celebrates an Eagle!
Our sponsors are fabulous!
Thank you for your tremendous
support of CAI-CT.
Titanium Event Sponsor:
GAF
(above) Dianna Wilson, CMCA, Kevin Long, Ed Hughes, Richard Wilson —
KWA Group - Kuzmak-Williams & Associates, L.L.C.
-
(above) Michael Famiglietti, CMCA — CM Property Management;
Chas Ryan, Esq., EBP - Pilicy & Ryan, P.C.; Frank Pingelski, EBP
& Peter Ferraris - Tooher-Ferraris Insurance Group
(left) Kevin Cyr &
Richard Bouvier —
Bouvier Insurance
Photos continue on the next page.
Gold Sponsors:
Bouvier Insurance
ION Bank
Silver Sponsor:
CertaPro Painters of Mystic-Glastonbury
White Tee Breakfast:
GAF
Beverage Cart Sponsors:
Bouvier Insurance
Sandler, Hansen & Alexander, LLC
Banquet Sponsor:
All-Waste, Inc.
Registration Table Sponsor:
Bouvier Insurance
Scorecard Sponsor:
Tooher-Ferraris Insurance Group
19th Hole Sponsor:
BELFOR Property Restoration
Lyman Orchard Pie Sponsor:
Imagineers, LLC
Water Sponsor:
Scherneker Property Services, Inc.
Driving Range:
Collins Hannafin, P.C.
Putting Contest:
BELFOR Property Restoration
50/50 Contest:
Windsor Federal Savings
Hole in One Contest:
Adam Quenneville Roofing & Siding
Closest to Line:
Greater New York Insurance

ns Hannafin, P.C.
Putting Contest:
BELFOR Property Restoration
50/50 Contest:
Windsor Federal Savings
Hole in One Contest:
Adam Quenneville Roofing & Siding
Closest to Line:
Greater New York Insurance
Longest Drive:
Pro-Klean Cleaning & Restoration
Closest to the Pin:
United Cleaning & Restoration/Reficio Company
Air Cannon Contest:
CAU
Snack Bag Sponsor:
New Look Painting & Construction, Inc.
Community Associations Institute-Connecticut Chapter
Golf...continued from previous page.
(above) Pam Lacko, Richard Audet — Audet Property Management
& Real Estate; John Maschi — Peter M. Bakker Agency, Inc.; Donna
Rathbun, CMCA - Imagineers, LLC; Pamela Bowman, CMCA, EBP -
Prime Touch Services; Alan Barberino, CMCA - Alan Barberino Real
Estate, LLC
(above) Doug Miller, Blaine Abaray, Thomas Daniel and Naree Song —
Scherneker Property Services, Inc.
(above) Eric Myers - Northeast Property Group, David B. Messier, Paul
Gray and David Messier — CertaPro Painters of Mystic-Glastonbury
16 CONNECT with CAI
(above) Jim Carroll — JP Carroll Roofing,
Chad Smedberg, Jack Carroll, Luke Carroll
(right) Licia Ciotti —
United Cleaning &
Restoration
(left) Ken Camello -
Savol Pools, Steve Weir &
Bill Pacelia-American
Integrity Restoration
EZGO 22
(below) Merritt Loomis, Ben Harrison, Greg Arnold & Chip Corrado — GAF
(below) Adam Quenneville, Adam Quenneville Roofing & Siding,
Tim Warner-Pacific Premier Bank & Joe Rodgers - Carney, Roy &
Gerrol, P.C.
Volume XIII: Issue 5, 2018 • Common Interest
LONGEST DRIVE
(above) Rich Wechter, CMCA -- Westford Real Estate Management, LLC,
Trish Palmer, Servpro, Nancy Liskiewicz, CMCA - Westford Real Estate
Management, LLC & Nancy Liskiewicz, CMCA - Westford Real Estate
Management, LLC
(above) Joe Milano, Joe Cifarelli — Pro-Klean Cleaning & Restoration,

pro, Nancy Liskiewicz, CMCA - Westford Real Estate
Management, LLC & Nancy Liskiewicz, CMCA - Westford Real Estate
Management, LLC
(above) Joe Milano, Joe Cifarelli — Pro-Klean Cleaning & Restoration,
Chris White & Jake Piekarski
(above) Steve Palmer, Bill Ward, Esq. — Ackerly & Ward, David Van Dyke
and Tom Neville
(below) Jean Walker -- Crystal Restoration Services of CT,
_
Prez Carneiro — People's United Insurance Agency, Mea Anderson —
Crystal Restoration Services of CT and Jennifer Glover — People's
United Insurance Agency
(above) Margaretann Fiderio & Dave Laferriere - Fiderio & Sons;
Greg Grenier & Ivan Shiffman — ION Bank
CONNECT with CAI • 17
Community Associations Institute-Connecticut Chapter
Communication Corner...
COMMUNITY
The Community Association
Meritorious Service Awards
(The CAMMIES)
By Bob Gourley
Bob Gourley
¯n just four years, the CAMMIES have become the community asso-
ciation management industry's pinnacle of excellence in our state.
Complete with its own website at http://cammies.org, this awards
program has all the hallmarks you would expect of any great industry
award. There is hard work and competition amongst the nominees. There
is an award for Rising Stars, who are the future of community association
management in our state. There is an award for Management Executives
who either manage other managers or very large associations in our state.
They represent the stability and management excellence of the profession.
And, then there is the coveted Manager of the Year Award. We save this
award for the end of the presentations because it is such a high honor for
the hard-working community association manager who wins. It is the
ultimate recognition so richly deserved for the excellence in community

end of the presentations because it is such a high honor for
the hard-working community association manager who wins. It is the
ultimate recognition so richly deserved for the excellence in community
association management put in by the nominee during the previous 12
months. There is a reason for the pomp and circumstance surrounding
the event. It is the industry taking note of the best and brightest in the
profession. They deserve our accolades.
There have already been many notable and noteworthy CAMMIES
Award Recipients. You can visit the website at http://cammies.org/
previous-winners/ to see all the previous winners. In 2017, Lynn
Jackson, CMCA, AMS from The Property Group, LLC took home
the CAMMIE for Community Association Manager Rising Star of
the Year. Kevin Hellriegel, CMCA, AMS from Heritage Village was
awarded the CAMMIE for Community Association Management
Executive of the Year. The CAMMIE for Manager of the Year was
awarded to Steven Cabaniss, CMCA from Westford Real Estate
Management, LLC. All of these winners faced stiff competition from
other worthy nominees, but these Community Association Managers
were judged to be the best of the best.
CAMMIES will be awarded in three categories this Awards
year.
will be given out to deserving Community Association Management
superstars who work so diligently to make Connecticut's community
associations among the most desirable in the nation. While there are
specific differences in the judging criteria for each award, candi-
dates will be judged on their excellence and proficiency in areas like
Leadership, Ethics, Knowledge, Professionalism, Financial Ability,
Communication Skills and more. Of course, dedication to CAI and its
core values are highly rated as is ownership and maintenance of a State

ship, Ethics, Knowledge, Professionalism, Financial Ability,
Communication Skills and more. Of course, dedication to CAI and its
core values are highly rated as is ownership and maintenance of a State
of Connecticut community association manager's license.
Awards for Community Association Manager of the Year, Rising
Star of the Year, and Executive of the Year are all up for grabs. Rising
18
OiStockphoto.com
THE
WINNER
IS...
"The awards will be
given out on September
27, 2018 at the Night of
Fall Fun..."
Stars and Executives are, respectively, the future and stability of excel-
lence in community association management in our state. The high-
light of the evening is always the Community Association Manager of
the Year. I expect this year will be no different.
The CAMMIES Committee has defined the Manager of the Year as
a Property Manager who manages a portfolio of community associa-
tions. The Executive of the Year award will again go to someone who
either manages other · managers, serves as an onsite manager of a large
association, or owns or manages a property management company.
The Rising Star of the Year will continue to be a community associa-
tion manager with less than three years of industry experience.
The awards will be given out on September 27, 2018 at the Night of
Fall Fun at the Aqua Turf in Plantsville, CT. Nominations are open NOW
and I may be made online at the CAMMIES website at http://cammies.org.
Deadline for nominations is August 17, 2018. Details and more informa-
tion is also available at the dedicated CAMMIES website.
I am very proud of our chapter for embracing this program and
recognizing all community association management professionals in
our state. It is a difficult job that some make look so easy. There are

I am very proud of our chapter for embracing this program and
recognizing all community association management professionals in
our state. It is a difficult job that some make look so easy. There are
countless hours of time and guidance given to Boards and community
association members to help them deliver the best possible community
association living experience to residents. The CAMMIES Awards is
our way of recognizing that sacrifice and honoring the very best. I
hope you will be a part of the program by nominating the candidate
your choice and by joining us for the CAMMIES on September
27, 2018 at the Aqua Turf. Win or lose, it is an exciting night to honor
those who give so much of themselves to make community association
living better for all of us.
of
Bob Gourley is Chief Marketing Officer of HOALendingXchange and Founder of
MyEZCondo, a firm that specializes in communication products for community associa-
tions. Bob serves on the Publication, CAMMIES, and Website Committees and is a Past
President of the Board of Directors for CAI-CT.
ente
ภ
2
shift
Volume XIII: Issue 5, 2018 Common Interest
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NEW ENGLAND CHAPTER
community
ASSOCIATIONS INSTITUTE
Making the right choice isn't easy.
Even when you're comparing apples to apples.
How can you be sure you're making the right
building envelope decisions for your community?

nity
ASSOCIATIONS INSTITUTE
Making the right choice isn't easy.
Even when you're comparing apples to apples.
How can you be sure you're making the right
building envelope decisions for your community?
Talk to people with the experience to know.
SPS
Schernecker Property Services
Thomas Daniel | 781-487-2517 | sps.solutions
CONNECT with CAI
19
Community Associations Institute-Connecticut Chapter
ASK
MR. CONDO
You Ask Mister Condo,
Now Mister Condo Asks You!
E
very issue of Common Interest features an "Ask Mister
Condo" Question submitted by a reader of the Ask Mister
Condo website at http://askmistercondo.com. There are often
many reasonable suggestions and solutions to condo questions. Mister
Condo is asking you to participate and share your wisdom with the
world. Review the question below and submit your answer in an email
to askmistercondo@askmistercondo.com. Look for your answers
in future issues of Common Interest. Here is this issue's Ask Mister
Condo question:
W.R. from New Haven County writes:
Dear Mister Condo,
I been having serious issues with the new president and other
board members since I stepped down a year ago. This position
went to the new president's head to the point where she put all my
neighbor's business out in the community and when my neighbor
addressed her via email she then called the management company
to tell them she felt threatened by her. Then we were going back
and forth via email about some of the bylaws & rules and as well
as rumors that she was talking trash about me, she turned around
and falsely accused me of threatening her and called the cops. The
officers could not find any evidence of me doing that. Life for me
has never been the same since. She doesn't like to be told what to

and falsely accused me of threatening her and called the cops. The
officers could not find any evidence of me doing that. Life for me
has never been the same since. She doesn't like to be told what to
do and put my personal business concerning my email address
in an email that went out to the entire community instead of
addressing me only. How do I have her removed or handle this?
Can I file a harassment charge against her and the board?
In a previous Ask Mister Condo column, you were asked to help a
reader with the following question:
B.P. from Litchfield County writes:
Dear Mister Condo,
I live in a 55 and over condo community and they charge by
square footage. The townhouses pay more than the ranches which
I don't think is fair because all of us receive equal services such as
plowing, mowing trash pickup, clubhouse use etc. I don't believe
assessing by size of the units is proper. Any comments on this and
what we can do to change it?
Mister Condo replies:
B.P., there is very little you can do to change the schedule of com-
mon fee assessments and for good reason. The schedule of fees was
part and parcel of every unit that was sold in your association. It is a
legally binding agreement that both buyer and seller agreed to at the
time of purchase. Further, it is an intrinsic part of the condo docu-
ments that binds the unit owner to the association. I answered a similar
question from a condo owner in Illinois not too long ago. You can find
my full answer here: http://askmistercondo.com/validity-of-condo-
percentage-of-unit-ownership-questioned. All the best!
There are now more than 1,500 questions and answers on the “Ask
Mister Condo" website! Since 2012, Mister Condo has been politely
offering some of the best HOA and condo advice to readers just like

t!
There are now more than 1,500 questions and answers on the “Ask
Mister Condo" website! Since 2012, Mister Condo has been politely
offering some of the best HOA and condo advice to readers just like
you! Join in the friendly conversation on Twitter, Facebook, and
LinkedIn or on the website. Visit us at http://askmistercondo.com.
There's plenty to talk about!
NOTICE TO ALL CAI-CT MEMBERS
Annual Meeting September 18, 2018
CAI-CT will hold its Annual Meeting on September 18, 2018 at 8:30am in our office
at 1489 Main Street, Glastonbury, CT. Election of officers and board members
will be held at this time. If you have any questions, or wish to make a nomination
please contact us at 860-633-5692 or www.caict.org.
CONNECTICUT CHAPTER
Ann
community
ASSOCIATIONS INSTITUTE
20 CONNECT with CAI
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Community Associations Institute-Connecticut Chapter
Manager's Column...
Reggie Babcock
Rich Wechter, CMCA
-
Being Practical, Part XLIX
Out on a Limb
How to Avoid Uncomfortable
and Unnecessary Situations
By Reg Babcock and Rich Wechter, CMCA
In this column, we tackle various topics of interest to association
boards of directors with the intent of imparting practical advice.
This issue's column addresses two critical topics facing community
association managers on a daily basis: the need to avoid situations where

of directors with the intent of imparting practical advice.
This issue's column addresses two critical topics facing community
association managers on a daily basis: the need to avoid situations where
community association managers are asked by association boards to take
on roles beyond those that they have signed up for or are asked to take
actions without factual or legal foundation. We will set forth a number of
examples of these situations and offer recommendations on how to deal
with each such example. This review is by no means a complete analysis of
this topic and we will likely note more examples in a future article.
A. Setting the Table on this Topic
One of the most common complaints heard from community
association managers is the constant demand by association board
members and residents to have community association managers
extend themselves well beyond what is contracted for by management
companies or to take actions that lack factual or legal foundation.
In the first instance, it is always easy to ask the community associa-
tion manager anything, whether or not they can properly opine on
a particular subject. These questions cover legal, architectural, and
engineering matters, to name a few. Community association managers
are accessible and available much more readily than outside individuals
and are considered the jack of all trades to the outside world.
In the second instance of community association manager over-exten-
sion, many association boards, in an effort to deal with mis-behaved unit
owners and tenants, ask community association managers to take actions
that have no factual or legal foundation, and, in some cases, belong in the
venue of law enforcement authorities, and not the arena of condominium/

, ask community association managers to take actions
that have no factual or legal foundation, and, in some cases, belong in the
venue of law enforcement authorities, and not the arena of condominium/
homeowner associations. While the misbehavior is many times significant
and potentially dangerous to neighboring residents, the position that com-
munity association managers are put in by their boards places the com-
munity association managers and the boards in a precarious position that
could have been avoided had some thought been given to the actions taken.
The following are just a few examples of community association
managers being "Out on a Limb."
B. Violations of Rules - The Need for Both a
Factual and Legal Foundation
We cannot count the number of times that board members have
pushed for the issuance of either a violation letter or a Notice and
Hearing letter without any factual or legal basis for the issuance
22 CONNECT with CAI
OiStockphoto.com
ROCK
HARD PLACE
"Community association managers must
push back on such demands, no matter how
'hot' the pressure is to send out such letters
without ...a factual basis..."
of such letters. The most common justification for the issuance
of such letters is the claim that the complained about conduct is
"offensive" or not “appropriate for condominium/homeowner
associations". Community association managers must push back
on such demands, no matter how “hot” the pressure is to send
out such letters without both a factual basis for such letters or
any relevant provision of the association's governing documents.
Community association managers must, in all such instances con-
firm the following:
1. A factual basis for the claimed violation. This requires the establish-

of the association's governing documents.
Community association managers must, in all such instances con-
firm the following:
1. A factual basis for the claimed violation. This requires the establish-
ment of the date, time, location, conduct that is the subject of the
claimed violation, witnesses to the conduct, and any other informa-
tion that the community association manager needs to properly
draft the appropriate letter and the board needs to ultimately adju-
dicate the matter;
2. The citation to the specific provision(s) in the association's govern-
ing documents that is/are being violated by the subject unit owner/
resident in order to establish a legal basis for the issuance of a warn-
Volume XIII: Issue 5, 2018 Common Interest
ing letter or Notice and Hearing letter. While it is not the role of
the community association manager to opine on the sufficiency of
the proof offered for any violation, there still needs to be a basic
understanding of what provision(s) of the governing documents is/
are allegedly being violated; and
3. The community association manager must confirm that the enforce-
ment of the association governing documents is being made consis-
tently, without bias or prejudice or favoritism.
C. Some Conduct is Better Suited to be Handled
by Law Enforcement Authorities
Association Boards are charged with rules enforcement. There
are a multitude of issues that association boards must address,
many on a daily basis. Some residents of condominium/home-
owner communities, to say this politely, have no ability to play
well with others, whether fellow residents of the community or
elsewhere. Circumstances do arise where the conduct of a resident
rises to a level that demands action or, at the very least, commu-

play
well with others, whether fellow residents of the community or
elsewhere. Circumstances do arise where the conduct of a resident
rises to a level that demands action or, at the very least, commu-
nication with law enforcement authorities. Examples of such con-
duct include, but are not limited to, verbal or physical threats or
intimidation of others, and criminal conduct (selling drugs being a
prime example). The handling of such matters is better suited with
law enforcement authorities, and not by community association
managers and association boards. The potential punishment that
[Continues on page 24.]
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MANAGER'S...from page 23.

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860.442.1396
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MANAGER'S...from page 23.
the judicial system can impose is far greater and more powerful than
what an association can do itself. Moreover, such matters are, by their
very nature, highly volatile, and community association managers and
association board members are not suited to get themselves in the
middle of such matters.
D. Community association Managers are not
Lawyers
While the role of community association manager takes us into the
world of lawyers, litigation, and contracts, we are not lawyers and
must take affirmative steps to avoid crossing the line between com-
munity association manager and lawyer. Lawyers must opine on legal
matters while community association managers should refrain from
doing so. Community association managers can review and discuss
provisions of the governing documents while the ultimate legal opin-
ion on the meaning and application of governing document provisions
must come from the lawyer.
Association board members will generally seek to have commu-
nity association managers cross that fine line. Community association
managers need to resist that push and, at the very least, preface any
discussion on the governing documents by noting that any opinion
provided is a lay opinion, as community association manager and not
as the lawyer for the association.
E. Community association Managers are not
Outside Consultants
While the role of community association manager includes involve-
ment with a multitude of construction projects, many of which include
detailed plans and specifications, we are not engineers or architects and

role of community association manager includes involve-
ment with a multitude of construction projects, many of which include
detailed plans and specifications, we are not engineers or architects and
should not be in the business of offering opinions that are the province
of engineers and architects. While our work provides us with a degree
of familiarity of the “language” of engineers and architects, we are not
licensed to act as consultants and do so at our respective peril.
F. Conclusion
Community association managers and the many people that work
side by side with them in Connecticut must protect themselves and
their respective association boards from acting without factual and
legal grounds on rules violations. Too much is at stake for such actions
to be taken without thought and analysis.
It is safe to state that community association managers wear many
different hats while performing their daily jobs. While that is part
of what we signed up for, we did not and should not be wearing the
hats of lawyer, engineer or consultant under any circumstance. Leave
those hats on the shelf.
We hope that this article will aid community association managers
on these critical matters.
The authors work for Westford Real Estate Management, LLC. Reg Babcock is Chief
Operating Officer & General Counsel and Rich Wechter, CMCA is Senior Vice President.
Building Renewal, LLC (the chimney cap guys)
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ASSOCIATIONS INSTITUTE
Volume XIII: Issue 5, 2018
•

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ASSOCIATIONS INSTITUTE
Volume XIII: Issue 5, 2018
•
Common Interest
Cyber Liability, Computer Fraud
and Your Condominium
By Rich Bouvier, CIC
Rich Bouvier, CIC
T
The future of insurance will definitely require close attention
to claims arising out of the use of the internet, computers, the
need to protect
data, and funds transmitted electronically.
Cyber crime seems to make the news regularly these days and I
believe this is truly the tip of the iceberg considering how paperless
and automated we have become.
First we must define cyber liability. Cyber Liability is the risk of
having electronic data stolen over the internet, computers and other
means of electronic data storage as well as the obligation to restore
the data and other responsibilities you have to those whose data you
compromised.
The data of concern is the sensitive personal information also
referred to as personally identifiable information. This can include
names, addresses, dates of birth and most notably, social security num-
bers we can certainly include privacy passwords for computers and
other portable devices, email accounts, online banking, and just about
anything that could identify, track down or emulate another person.
The theft of this information has made news headlines quite regu-
larly for many years running. From large store chains to universities
to health insurance providers, these headlines usually highlight the
massive data breaches. There are multitudes of smaller home town
local breaches that paralyze businesses and individuals and these won't
make the nightly news feeds.
Cyber Liability insurance policies are designed to be the source of

multitudes of smaller home town
local breaches that paralyze businesses and individuals and these won't
make the nightly news feeds.
Cyber Liability insurance policies are designed to be the source of
funds to help you, the named insured, with the costs associated with
your responsibilities to the breached parties such as legal fees, notifica-
tion, restoration of personal identities, recreating the lost or destroyed
data and the costs associated with fixing or replacing the hardware
damaged during the event such as computers, servers, tablets, laptops
and or smartphones.
Now let's define the theft of association money. This is a Computer
Fraud and or Wire Transfer Fraud. This is a bit more specific and
requires a different type of insurance. Rather than Cyber Liability,
association funds are best protected by a properly written Crime
policy – often referred to as Employee Dishonesty Coverage.
-
Currently, crime policies are required to protect association funds,
and many
insurance providers have added the ability to add coverage
for Computer Fraud or Wire Transfer Fraud. Not all insurance com-
panies do this automatically – some do, some don't. This coverage is
not expensive, it is readily available and absolutely worthy of a conver-
sation with your insurance agent to determine if you have it and if not,
how much it is to add it to your community's portfolio.
OiStockphoto.com
"How we treat archive
information really caught
attention. We save
my
everything now, but do
you really need to?"
We often hear about identity theft, credit monitoring and services
such as LifeLock. There is a wide array of service providers that do
credit scoring and credit monitoring, as well as personal credit freezes
that can absolutely help prevent identify theft; More often though

LifeLock. There is a wide array of service providers that do
credit scoring and credit monitoring, as well as personal credit freezes
that can absolutely help prevent identify theft; More often though
these services are sought out after a problem occurs. To date I have
had only one known personal breach wherein someone attempted to
file a tax return in my name. Fortunately, the IRS was able to notice
that the attempted return was significantly different than what was
previously filed and they froze that return allowing me to contest it
with the assistance of my personal accountant. Crisis averted! Even
to this day, I have no idea how my information was obtained to get as
far as they did.
There are keys to limiting exposure; some we have heard a few times
over the years. Similar to prohibiting the use of charcoal grills or mandat-
ing that hot water tanks be replaced every ten years to reduce the risk of
property related claims, there are things that you can do to reduce your
exposure to cyber threats. These include: Updating passwords for bank
accounts, email accounts, ATM pin numbers and other private means
of personal access. Using secure or encrypted email, password protect
laptops, smart phones, tablets are common place these days, but don't
tape the password on the bottom of the device and try to change them
regularly to multi-character/symbol passwords to put up the good fight
against them being stolen and reused.
How we treat archive information really caught my attention. We
save everything now, but do you really need to? This is an impor-
tant decision as purging the unnecessary data in a proper and secure
fashion is a quick and easy way to reduce your exposures. Password
[Continues on page 26.]
CONNECT with CAI 25

o? This is an impor-
tant decision as purging the unnecessary data in a proper and secure
fashion is a quick and easy way to reduce your exposures. Password
[Continues on page 26.]
CONNECT with CAI 25
Community Associations Institute-Connecticut Chapter
CYBER LIABILITY...from page 25.
protect archive files and store them offline (thumb drive or external
hard drive).
Ari Santiago, CEO & President of IT Direct, a nationally award
winning technology success provider in West Hartford, CT was kind
enough to share an 8 point list to help limit your risk of cyber crime:
1. The first step should be an inventory of systems and data. Make a
list of all the various systems, applications and documents that are
used and identify which of those have private, personal or confiden-
tial information as well as what that information is.
2. Looking at the systems and data inventory list determine which
information is actually required and stop collecting the rest.
Additionally, delete as much historical data as possible.
3. Use an established best practices frame work to complete a cyber
security review to make sure that typical best practices are being fol-
lowed. The National Institute of Standards and Technology (NIST)
has a framework in their publication 800-171 that can provide a
good outline.
4. If you are collecting and process credit cards on a recurring basis,
use a third-party cloud processor that stores and secures the data
for you and don't keep the full account information on any local
systems
5. Make sure that all bank and financial accounts being used by the
association have multi-factor authentication setup. If your finan-
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expertise!
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n have multi-factor authentication setup. If your finan-
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ASSOCIATIONS INSTITUTE
Common Interest welcomes the submission of articles, news
and announcements subject to space limitations, editing and
appropriateness, including educational value. The Common
Interest Publication Committee will make every effort to
publish articles submitted and may even be able to help you
with your submission.
Please call (860) 633-5692 or
E-mail: kim@caict.org for
more information.
cial institution doesn't offer multi-factor authentication for online
servicing either disable the ability to use online tools or switch to a
different company.
6. Make sure you have a backup solution for all data that runs auto-
matically (i.e. without human intervention) and is monitored to
make sure that it is successfully running.
7. Review contracts with any cloud services that contain sensitive,
confidential or personal data and make sure that they take responsi-
bility for any data leakage that may occur.
8. Repeat the above on an annual basis. The first will be time consum-
ing, though subsequent years should be quick and easy. Consider
this the ounce of prevention to prevent the very painful pound of
cure!
"Prevention will remain the
best medicine, but insurance
products are available as a
second means of protection
if the first defense is
insufficient."
Chas Ryan, Esq., EBP, of Pilicy & Ryan, P.C. in Watertown, CT
told me: “Cyber related concerns for communities and management
companies are a real and growing
threat. A thoughtful approach to
addressing these issues will prove
to be effective and useful. Being
proactive will often times save the

or communities and management
companies are a real and growing
threat. A thoughtful approach to
addressing these issues will prove
to be effective and useful. Being
proactive will often times save the
day rather than assuming a forced
defensive posture after the fact..."
"Trust, but verify. We see email
fraud cases all the time. An email
comes in from what appears to be
a bank you are currently doing business with or a client you have
been communicating with. The email provides wiring instructions or
instructions to send a check to a certain person/company. Before any
money is sent, contact a known person at the company and confirm he
or she sent the email, confirm the address where money is to be sent,
confirm the wiring instructions (if any), and the amount to be sent.
Too often, a computer is hacked and the criminals patiently monitor
emails. When the time is right, they send an email that looks almost
identical to the bank's email or your client's email but has changed a
phone number, a mailing address, or wire instructions, for example.
Without having a policy in place for verifying the information, it is too
easy to comply with the email. Once the money is sent, it is almost
impossible to recover."
As the threats grow, consult with your insurance agent to determine
how best to protect your community. Prevention will remain the best
medicine, but insurance products are available as a second means of
protection if the first defense is insufficient.
Fortunately, there is more information to come. Managers, please
join us on August 2nd from 3PM to 5PM at Amarante's Sea Cliff in
East Haven for the Cyber Security & Fraud seminar hosted by the
Connecticut Chapter of CAI. ■
Rich Bouvier, CIC is a partner with Bouvier Insurance. He is a past president

M at Amarante's Sea Cliff in
East Haven for the Cyber Security & Fraud seminar hosted by the
Connecticut Chapter of CAI. ■
Rich Bouvier, CIC is a partner with Bouvier Insurance. He is a past president
of CAI-CT and currently serves on our Membership Committee. Rich is a frequent
speaker at CAI-CT education programs as well.
26 CONNECT with CAI
Volume XIII: Issue 5, 2018
•
Common Interest
Paradise at Shorehaven
s most of our community association managers know, some-
times you just can't predict what will happen. Most of the ele-
ments for our Annual Paradise Event were in place: fantastic
committee, terrific sponsors, lots of great attendees and an excellent
program. However, we learned 48 hours in advance of the event that
our main speaker, from the FBI, was told no one from the New Haven
office could leave due to some recent restructuring issues. Not to
worry though, we recruited a replacement who was eager to jump in.
But, his car broke down on the New Jersey Turnpike on his way to our
event. Ugh! Nevertheless, our remaining speakers for the timely topics
saved the day! They offered some excellent information with plenty of
time for Q&A. We are grateful to: Steve Berg, Esq. – Frankel & Berg;
Adam Quenneville - Adam Quenneville Roofing & Siding, Inc., Scott
Andersen Peoples United Insurance (He was a replacement speaker
for someone whose flight was cancelled!) and Jean Walker – Crystal
Restoration Services of Connecticut.
-
-
The networking portion of the event was enjoyable. Thanks to all
who attended!
We are grateful for our sponsors
for their wonderful support of
this event!
Premium Sponsors:
Bouvier Insurance
Crystal Restoration Services of Connecticut
DiMatteo Group
JSD Protective Services
Peoples United Insurance
Plaza Realty & Management Corporation
Sava Tree

s event!
Premium Sponsors:
Bouvier Insurance
Crystal Restoration Services of Connecticut
DiMatteo Group
JSD Protective Services
Peoples United Insurance
Plaza Realty & Management Corporation
Sava Tree
Event Sponsors:
GNY Insurance
On the Mark Management
Pilera Property Management Software
-
(right) Michelle Ifill —
Roseau & Helen Harris
Deer Hill Arms 1 & Dena
Liberman - On the Mark
Management
(below) Mike Knobloch - TAMKO
Building Products, Inc. and Rich
Wechter, CMCA - Westford Real
Estate Management, LLC
(left) Steve Berg, Esq. —
Frankel & Berg, Jackie
Moccia, CMCA, AMS & Lynn
Jackson CMCA, AMS —
The Property Group, Inc.
(above) Jennifer Murphy, Rebecca St. Germain & Lisa
Brand - Dimatteo Insurance & James Anderson -
Just Like Home Property Management
(above) Carrie Mott, EBP - Bouvier Insurance,
Rick Torello-BELFOR Property Restoration,
Joanne Ravich-The Property Group, Inc.,
Mark Liberman, CMCA, AMS- On the Mark
Management
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Community Associations Institute-Connecticut Chapter
TECHNICAL EXPLANATIONS
This column appears in each edition and is intended to touch on technical topics of general interest to common
interest associations. Topics will be of a general nature, but I will also accept and respond to questions from
readers. On occasion, it will be guest authored when topics can best be addressed by experts in other fields.
Timothy Wentzell, P.E.
A
Insurance And Building Codes
By Timothy Wentzell, P.E.
local condominium association had a small fire in one of their
units, and they recently contacted me with a series of
tions that their insurance carrier had raised. Although the
ques-
fire was relatively minor, it had been decided to remove the drywall
in numerous areas as well as the carpeting to prevent mildew damage.

ns that their insurance carrier had raised. Although the
ques-
fire was relatively minor, it had been decided to remove the drywall
in numerous areas as well as the carpeting to prevent mildew damage.
The condominium association had insurance that covered required
code updates, and their contractor had raised the issue of including
numerous code updates to this unit as part of the repairs. Specifically,
the contractor had raised the issue of making all of the load-bearing
walls in the unit to a two-hour fire rating. This would include several
of the separating walls within the unit as well as the external walls,
the dividing wall between this unit and the adjacent unit, and the ceil-
ings as these were patio-style units and a unit existed above the fire-
damaged unit. The Association's insurance carrier was questioning
whether this work was required.
The crux of this issue lies in some ambiguity that exists with regard
to the adopted international building code and how it is being applied
by local municipalities. The international building code, which was
adopted by the State of Connecticut, is divided into two code manu-
als. One is called simply, “International Building Code,” whereas
the second is called, “International Existing Building Code." The
distinction between the two is intended, in my opinion, to differenti-
ate between buildings that are in existence that need renovation and/
or repair versus a major rebuilding of a structure and for entirely
new structures. The International Existing Building Code states as
follows, "Level 1 alterations include the removal and replacement or
the covering of existing materials, elements, equipment, or fixtures
using new materials, elements, equipment, or fixtures that serve the

s, "Level 1 alterations include the removal and replacement or
the covering of existing materials, elements, equipment, or fixtures
using new materials, elements, equipment, or fixtures that serve the
same purpose,” which would appear to apply in this case as only the
drywall and carpeting were to be removed. The International Existing
Building Code further goes on to state that for this level of repair,
"Alterations shall be done in a manner that maintains the level of fire
protection provided.” This would imply that, as no structural ele-
ments were removed from the building, the existing type and thickness
of drywall could simply be reinstalled and the building put back into
functional use. I would question, if there are any code issues related
to the initial construction, whether prudent judgment would dictate
CiStockphoto.com
"The crux of this issue lies in some ambiguity
that exists with regard to the adopted
international building code and how it is
being applied by local municipalities."
that these be rectified. The International Building Code would require
load-bearing walls that are supporting a separate dwelling unit above
to be of fire-rated construction, as well as the ceilings in this instance,
and dividing walls are required to have appropriate fire resistant
construction in any new structure or structures that are significantly
rebuilt or modified.
This, however, brings us to the core of the question, which is
whether or not the local municipal building authorities will interpret
these requirements in a similar manner. This, by the way, has always
been an issue in a state like Connecticut where the building officials are
the code enforcement agents for their municipality. In many cases, we

ments in a similar manner. This, by the way, has always
been an issue in a state like Connecticut where the building officials are
the code enforcement agents for their municipality. In many cases, we
have found very significant differences between the approaches taken
[Continues on page 33.]
28 CONNECT with CAI
Volume XIII: Issue 5, 2018 Common Interest
A Little Oxygen Goes A Long Way
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29
Community Associations Institute-Connecticut Chapter
Have You Considered Hydro-raking
as an Aquatic Management Tool?
By Emily Walsh
C
ommunity lakes and storm-
water ponds can be used to
attract native wildlife, facilitate
recreation and enhance the beauty of a
HOA property. But, over the course
of many years, these aquatic resources
may experience sedimentation, nutri-
ent loading and other water quality
problems. If a waterbody is not prop-

the beauty of a
HOA property. But, over the course
of many years, these aquatic resources
may experience sedimentation, nutri-
ent loading and other water quality
problems. If a waterbody is not prop-
erly managed, it will eventually fill in
with muck and other organic materials
until depths are significantly reduced.
To help restore volume, reduce the pos-
sibility of flooding during rainstorms,
and improve overall water quality, it's
important to consider hydro-raking as
a proactive management tool.
If you own or manage an association
with lakes and ponds, you've likely
heard of hydro-raking as a unique
strategy utilized by aquatic profession-
als to remove aquatic vegetation and “bottom sludge." A hydro-rake
is essentially a floating barge supporting a mounted backhoe and rake
attachment that can remove up to 500 pounds of lake and pond muck,
plant material and organic debris in a single scoop.
The hydro-rake has the ability to target certain areas of nuisance
and/or invasive aquatic vegetation, while conserving other areas in
their natural state. This is crucial in the eyes of aquatic management,
which is geared towards retaining and restoring balance within the
waterbody's ecosystem. Maintaining an equilibrium of native vegeta-
tion enhances the potential for increased species richness and ecosys-
tem resilience – the ability to maintain balance despite challenges
posed by nutrient loading, water stratification and other factors that
can affect water quality. In addition to proactively managing vegeta-
tion, hydro-raking can help reduce or prolong the need for dredging,
which is often the costliest project a homeowners' association will
ever face.
-
While the hydro-rake is not a suitable management strategy in every

g can help reduce or prolong the need for dredging,
which is often the costliest project a homeowners' association will
ever face.
-
While the hydro-rake is not a suitable management strategy in every
situation, it can be extremely effective when used to control several
types of vegetation often found in waterbodies used for recreation,
community fishing, the collection of stormwater runoff, or simply the
enjoyment of their aesthetic beauty.
Emergent Species
Emergent vegetation such as cattails, common reed and maidencane
are common plants that can plague waterbodies; however, removal can be
achieved by utilizing the hydro-rake as a stand-alone management option
30 CONNECT with CAI
(above) Hydro-raking: Hydro-raking can be an extremely effective
management tool for the removal and reduction of nuisance aquatic
plants found in community lakes, stormwater ponds and private
waterbodies.
(below) Emergent Vegetation: Emergent vegetation that thrive in shallow
lakes and stormwater ponds, like water lily and water willow species, are
suitable candidates for removal by hydro-rake.
or as a complement to other management approaches. Emergent plants
are fantastic candidates for the hydro-rake because they are usually found
along the edge of the waterbody, where they can be easily accessed by the
rake attachment. During the removal process, the hydro-rake will extract
the plant in its entirety, as well as its attached rhizome (root) structure lain
beneath the water's surface. Because the hydro-rake works from the water
Photos courtesy SOLitude Lake Management.
rather than land, desirable ornamental and buffer plant species along the
shoreline are not impacted.
Floating Leaf Species
The hydro-rake is effective when removing common floating leaf

e Management.
rather than land, desirable ornamental and buffer plant species along the
shoreline are not impacted.
Floating Leaf Species
The hydro-rake is effective when removing common floating leaf
vegetation such as water lily and watershield. These plant species
are ideal for hydro-rake management, due to their leaf structure and
attached root systems underneath. As with common reed and cattail
removal, the hydro-rake can remove the plants, as well as the root
structures. Open water is then restored, thus enhancing the ability of
native aquatic flora and fauna to repopulate the area. Other common
floating-leaf species, such as water hyacinth, water chestnut, and water
lotus are additional candidates for hydro-raking service.
Submersed Species
Submersed species such as curly-leaf pondweed, big leaf pond-
weed and tape grass can be effectively managed through hydro-
raking. These prescribed programs can provide sufficient plant
reduction, especially when combined with herbicide management
options. As with any management strategy, it's important to
always consider the biology of the targeted plant before beginning
a hydro-raking project. Some submersed plants, such as such as
milfoil and fanwort spread heavily through fragmentation and may
require alternate management strategies to ensure fragmentation
and repopulation do not occur.
Volume XIII: Issue 5, 2018
Common Interest
Hydro-raking is a management tool used in a wide array of aquatic
restoration projects ranging from inlets, outlets, littoral zones, coves,
private shorelines, and more. Aquatic vegetation removal projects can
be performed any time of year, but the best time is when the nutrients
are in the vegetative structure; this
is relative to the associated region,
weather conditions, and plant biol-

oval projects can
be performed any time of year, but the best time is when the nutrients
are in the vegetative structure; this
is relative to the associated region,
weather conditions, and plant biol-
ogy. When considering this service,
the first step is to contact your local
lake and pond management profes-
sional to conduct a site visit. During
"Hydro-raking is a
management tool used in
a wide array of aquatic
restoration projects..."
this time, they will identify nuisance plant species and management
areas, and consider a strategy that aligns with your association's long-
term waterbody goals.
As with any form of proactive management, hydro-raking can help
improve the health, longevity and beauty of your community's lake or
stormwater pond for years to come, but is most effective when used in
conjunction with other preventative management methods, including
aeration, buffer management, nutrient remediation and other strategies
that prevent the premature aging, or filling in with sediment, of the
waterbody.
Emily Walsh is an experienced Environmental Scientist with SOLitude Lake
fisheries management solutions. Learn more about this topic at www.solitudelakeman-
Management, an environmental firm providing sustainable lake, pond, wetland and
agement.com/knowledge.
BBB
ACCREDITED
PAINTING
&
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CONSTRUCTION
• Painting • Roofs
.
Siding • Decks
• Windows
Main Office
SERVICING CONDOMINIUM AND
HOMEOWNER ASSOCIATIONS SINCE 1978
www.nlpcinc.com
CAI-CT MEMBER
MEMBER OF
community
ASSOCIATIONS INSTITUTE
860.633.1319 | Shoreline Office 203.974.9852
CONNECT with CAI 31
Community Associations Institute-Connecticut Chapter
ENVIRONMENTAL TIP
Have you ever passed by a giant lawn during a rainstorm
and noticed the sprinklers running full tilt — in the pouring

with CAI 31
Community Associations Institute-Connecticut Chapter
ENVIRONMENTAL TIP
Have you ever passed by a giant lawn during a rainstorm
and noticed the sprinklers running full tilt — in the pouring
rain? Is this the best use of a natural resource? Associations
can save money on their water bills and keep their lawns
looking great by working closely with their landscaping
contractors. Most lawns need watering only once per week
in order to stay lush and green. How mush water would you
community save by watering only weekly?
CAI-CT's 2018
Night of Fall Fun
Celebrating CAMMIES Awards Night
Thursday, September 27, 2018
5:30-8:30pm
The Aqua Turf, Plantsville
Enjoy phenomenal hot hors d'oeuvres,
cheese & vegetable crudités & pasta station.
Dessert, coffee & tea too!
$75 Business Partners $50 Community Association Managers
Sponsorships Available
Register at www.caict.org
ADAM
QUENNEVILLE
ROOFING SIDING WINDOWS
We guarantee we will deliver results
which exceed your expectations
BBB 2010 Winner
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Woburn, MA 01801
855.552.6273
GAF Master Elite
WEATHER STOPPER ROOFING CONTRACTOR
| 160 Old Lyman Rd South Hadley, MA 01075|
•
MEMBER OF
community
ASSOCIATIONS INSTITUTE
WWW.1800NEWROOF.NET
728 Bamum Ave
Stratford, CT 06614
CT HIC # 575920 • MA HIC # 120982 • MA CSL # 070626 • RI Reg. # 36301 • ME CHARTER # 20110918F
32 CONNECT with CAI
OiStockphoto.com
Volume XIII: Issue 5, 2018 Common Interest
TECHNICAL EXPLANATIONS...from page 28.
on these
types of issues. Local code officials seem to have considerable
latitude in determining the applicability of different codes in different
circumstances, especially when it comes to fire safety issues.
Therefore, I did not have a clear answer to respond to this ques-

titude in determining the applicability of different codes in different
circumstances, especially when it comes to fire safety issues.
Therefore, I did not have a clear answer to respond to this ques-
tion. It certainly would appear to me that the International Existing
Building Code would apply in this case. However, if your local
building authorities decide otherwise, you may be caught between the
opinion of your local building officials and the opinion of your insur-
ance carrier. While your local building officials may require these code
updates, the insurance carrier may certainly have issues, possibly cor-
rectly, with regard to whether or not they should be held responsible
for payment of these repairs.
Please address any questions or areas of interest that you would like answered in future
columns to Timothy Wentzell, P.E., Connecticut Property Engineering, 630 Governor's
Highway, South Windsor, CT 06074 (860-289-8121) (e-mail: ConnPropEng@cox.net).
Is your community facing
tough legal issues?
Save time, money and frustration by hiring an attorney who's
a specialist! Discover fellows of the College of Community
Association Lawyers (CCAL). You'll know you're being
represented by one of the best community association
lawyers in the country.
Find a roster of CCAL fellows online at
www.caionline.org/ccal or call (888) 221-4321
(M-F, 9-6 p.m. ET).
community
ASSOCIATIONS INSTITUTE
LAW OFFICES OF
TABLA
Feldman,
Perlstein & Greene
LLC
PROVIDING LEGAL SERVICES TO CONDOMINIUM AND
HOMEOWNER ASSOCIATIONS THROUGHOUT CONNECTICUT
Document Interpretation and Association Governance
Document and Rule Enforcement and Litigation
Unit Owner Disputes
Transition from Declarant Control
Defect Litigation
Construction Disputes and Construction
•

Interpretation and Association Governance
Document and Rule Enforcement and Litigation
Unit Owner Disputes
Transition from Declarant Control
Defect Litigation
Construction Disputes and Construction
•
Contract Review, Negotiation, and Litigation
Insurance and Property Damage Claims
Personal Injury Claims
Employment and Housing Discrimination Counseling
and Claims
Common Charge Collections and Foreclosures
Association Borrowing
Document Amendments and Restatements
MICHAEL FELDMAN
BOARD CERTIFIED CIVIL TRIAL LAWYER
MATTHEW N. PERLSTEIN
FELLOW, COLLEGE OF COMMUNITY ASSOCIATION LAWYERS
KRISTEN SCHULTZE GREENE
KASEY PROCKO BURCHMAN
JONATHAN R. CHAPPELL
KELLY A. FREITAS
10 WATERSIDE DRIVE, SUITE 303
FARMINGTON, CT 06032
TELEPHONE (860)-677-2177 or (860) 677-0551
FACSIMILIE (860) 677-0019
WWW.CTCONDOLAW.COM
CONNECT with CAI
33
Community Associations Institute-Connecticut Chapter
W
Thunderstorm Safety - Avoiding a Lightning Strike
arm weather usually means fun in the sun, but summer heat
also can bring severe weather. Threatening thunderstorms
often loom large on summer :
afternoons so it's important to
be prepared for downpours and accompanying lightning, which can
strike outdoors or indoors. Consider the following suggestions when
planning both outdoor and indoor events this summer to reduce the
risk of a lightning strike.
• Watch the weather. Pay attention to your local weather forecast before
participating in outdoor activities. If there's a chance of thunderstorms,
consider rescheduling or moving events indoors. If that's not possible,
have an emergency plan in place in case a severe storm rolls in and
designate a sufficient nearby structure as an emergency shelter.
•
Stay inside. If severe thunderstorms are imminent, go indoors and wait

an emergency plan in place in case a severe storm rolls in and
designate a sufficient nearby structure as an emergency shelter.
•
Stay inside. If severe thunderstorms are imminent, go indoors and wait
until they pass. Safe, enclosed shelters include homes, schools, offices,
shopping malls and vehicles with hard tops and closed windows. Open
structures and spaces do not provide adequate protection.
• Duck and crouch. If you're caught outside during a severe storm,
it's important to crouch low on the ground, tuck your head and
cover your ears to help protect yourself from harm. Do not lie
down; lightning strikes can produce extremely strong electrical cur-
rents that run along the top of the ground, and laying horizontally
increases electrocution risk.
• Turn off faucets. During a thunderstorm, lightning can sometimes
be conducted through the plumbing. Avoid any type of contact with
"Pay attention to your
local weather forecast
before participating in
outdoor activities."
running water, including bathing, showering, and washing your
hands, dishes, or clothes.
• Turn off electronics. All electrical appliances -televisions, comput-
ers, laptops, gaming systems, stoves, and more—that are plugged
into an electrical outlet could carry a current from a lightning strike.
Surge protectors will reduce the risk of damaging electronics.
• Stay away from windows. Not only is lightning a threat, but high
winds and hail create flying debris that could be harmful during a thun-
derstorm. Close all windows and doors and keep away from them.
Source: CAI - Copyright-free articles for homeowners.
The Falcon Group
Engineers, Architects and Reserve Specialists
www.falconengineering.com
info@falconengineering.com
(800) 839-7740
fin
1266 E. Main Street, Suite 700R
Stamford, Connecticut 06902

ners.
The Falcon Group
Engineers, Architects and Reserve Specialists
www.falconengineering.com
info@falconengineering.com
(800) 839-7740
fin
1266 E. Main Street, Suite 700R
Stamford, Connecticut 06902
(203) 672-5952
ENGINEERING
ARCHITECTURE
DRONE SERVICES
LITIGATION EXPERTS
ENERGY CONSULTANTS
CAPITAL RESERVE SPECIALISTS
34 CONNECT with CAI
OiStockphoto.com
Volume XIII: Issue 5, 2018 Common Interest
M&S
PAVING AND SEALING INC.
Our Services
CONDOMINIUM PAVING
• PAVEMENT RECLAIMING & MILLING
• PAVEMENT SEALING & CRACK SEALING
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sales@mspave.com
South Windsor: 860-436-4588
111 Commerce Way South Windsor CT 06074
COHEN Not Just a Law Firm.
and
WOLF
Your Law Firm.
General Association Representation
Litigation and Arbitration
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Negotiation and Closing of Association Loans
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DAVID M. MOROSAN • Ari J. HOFFMAN
DAVID DOBIN
BRIDGEPORT DANBURY
WESTPORT
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203-368-0211 203-792-2771 203-222-1034 203-298-4066
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H
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T 800.201.3339
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283 Main Street PO Box 307 • Danbury, CT 06810 ⚫ hodgeagency.com
CONNECT with CAI
35
Community Associations Institute-Connecticut Chapter
Classified Services
ACCOUNTING
Carney, Roy and Gerrol, P.C.
35 Cold Spring Road, Suite 111
Rocky Hill, CT 06067-3164
860-721-5786 • 800-215-5945
Contact: Joseph T. Rodgers, CPA
E-Mail: joe@crandg.com
CAI-CT MEMBER
Tomasetti, Kulas & Company, P.C.
631 Farmington Avenue
Hartford, CT 06105
860-231-9088 Fax 860-231-9410
Contact: Dan Levine, CPA
E-mail: DLevine@TomKulCo.com
CAI-CT MEMBER
Mark D. Alliod & Associates, P.C.
Certified Public Accountants
348 Hartford Turnpike, Suite 201
Vernon, CT 06066
860-648-9503 Fax 860-648-0575
Contact: Mark D. Alliod, CPA
E-mail: mark@markalliodcpa.com
CAI-CT MEMBER
ASPHALT/
ASPHALT REPAIRS/
CONCRETE/PAVING
M & S Paving and Sealing, Inc.
Carrie DeMilio
111 Commerce Way
South Windsor, CT 06074
860-436-4588
carrie@mspave.com
CAI-CT MEMBER
ATTORNEYS
Cohen and Wolf, P.C.
1115 Broad Street
Bridgeport, CT 06601
203-368-0211 Fax 203-394-9901
www.cohenandwolf.com
CAI-CT MEMBER
Feldman, Perlstein & Greene, LLC
10 Waterside Drive, Suite 303
Farmington CT 06032
8860-677-2177 or 860-677-0551
Contacts: Matthew N. Perlstein, Esq.
Michael Feldman, Esq.
CAI-CT MEMBER
Pilicy & Ryan, P.C.
365 Main Street, PO Box 760
Watertown, CT 06795
860-274-0018 • Fax 860-274-0061
Contact: Franklin G. Pilicy
E-mail: dmajor@pilicy.com
CAI-CT MEMBER
Sandler, Hansen & Alexander, LLC
Contacts: Scott J. Sandler, Esq., CCAL
Christopher E. Hansen, Esq.
Michael S. Alexander, Esq.

-0061
Contact: Franklin G. Pilicy
E-mail: dmajor@pilicy.com
CAI-CT MEMBER
Sandler, Hansen & Alexander, LLC
Contacts: Scott J. Sandler, Esq., CCAL
Christopher E. Hansen, Esq.
Michael S. Alexander, Esq.
98 Washington Street, Third Floor
Middletown, CT 06457
860-398-9090 • Fax: 860-316-2993
www.shacondo.legal
CAI-CT MEMBER
CARPENTRY
Building Renewal, LLC
Greg Zajac
45R Ozick Drive, Suite 19
Durham, CT 06422
860-372-4554
Email: gzajac@buildingrenewal.net
buildingrenewal.net
CAI-CT MEMBER
Painting
PAINTING
New Look
CONSTRUCTION
Siding
• Roofs
•Decks
• Windows
SERVICING CONDOMINIUM AND
HOMEOWNER ASSOCIATIONS SINCE 1978
MAIN
www.nlpcinc.com
CAI-CT MEMBER
OFFICE 860.633.1319 SHORELINE 203.974.9852
CAI-CT MEMBER
OFFICE
Let Our Experience Work for You!
PRIMEtouch
SERVICES
.
carpentry siding • painting
800.767.8910
www.primetouch.net
COMMUNICATION ⚫ RESPONSIVENESS • SERVICE
CAI-CT MEMBER
Schernecker Property Services
Eric Churchill
781-487-2501 • Fax: 866-899-0736
Email: eric.churchill@spsinconline.com
www.spsinconline.com
CAI-CT MEMBER
DUCT/DRYER VENT
CLEANING
Duct & Vent Cleaning of America, Inc.
Located Throughout New England
Servicing the Northeast, Free Estimates
Fully Insured, Certified by NADCA
1-800-442-8368
ENGINEERING/
RESERVE STUDIES
CCA, LLC, Engineering Surveying
Landscape Architecture
40 Old New Milford Road
Brookfield, CT
203-775-6207
www.ccaengineering.com
CAI-CT MEMBER
The Falcon Group
1266 E. Main Street, Suite 700R
Stamford, CT 06902
Phone: 203-672-5952
www.falconengineering.com
CAI-CT MEMBER
Reserve Advisors, Inc.
Michelle Baldry,
Northeast Regional Executive Director
Danbury, CT 06811
Tel: (844) 701-9884
mbaldry@reserveadvisors.com
www.reserveadvisors.com
CAI-CT MEMBER
Common Interest
EMOTIONAL
SUPPORT
ANIMALS
DOUBTFUL
ACCOUNTS
AFFORD
OUR FEES
ROOFING IQ

Director
Danbury, CT 06811
Tel: (844) 701-9884
mbaldry@reserveadvisors.com
www.reserveadvisors.com
CAI-CT MEMBER
Common Interest
EMOTIONAL
SUPPORT
ANIMALS
DOUBTFUL
ACCOUNTS
AFFORD
OUR FEES
ROOFING IQ
community
To Advertise...
email:
info@brainerdcommunications.com
36 CONNECT with CAI
FINANCIAL SERVICES
Association Lending
Serving New England
Howard Himmel
978-567-3630⚫h.himmel@avidiabank.com
Avidia Bank avidiabank.com
Member FDIC Member DF Equal Housing Lender
CAI-CT MEMBER
The Milford Bank
Contact: Paul Portnoy, Vice President
Vice President
203-783-5700 800 340-4862
www.milfordbank.com
CAI-CT MEMBER
Mutual of Omaha Bank,
Community Association Banking
Contact: Erin Kremser, CMCA,
VP/Regional Account Executive
P.O. Box 105, West Chatham MA 02669
860-459-4713 • Fax 603-636-8566
erin.kremser@mutualofomahabank.com
www.mutualofomahabank.com
CAI-CT MEMBER
Simsbury Bank
Contact: Lisa Allegro VP/SR. Relationship
Manager/HOA Lending
86 Hopmeadow St
Weatogue, CT, 06089
Phone: 860-651-2064 Cell 860-428-2100
Email: lallegro@simsburybank.com
www.simsburybank.com/HOA
CAI-CT MEMBER
GENERAL CONTRACTORS
THE CONDOMINIUM SPECIALISTS
Southern NewEngland
Home Works
203-627-6053
⚫ROOFING • SIDING ⚫ GUTTERS
• SNOW PLOWING
www.snehomeworks.com
CAI-CT MEMBER
V. NANFITO
ROOFING & SIDING
Leaks
• Repairs
Windows • Doors
Decks ⚫ Painting
Gutters ● Maintenance
Powerwashing
1-800-916-6107
www.vnanfito.com
CAI-CT MEMBER
Lic# 570192
INSURANCE
Bouvier Insurance
860-232-4491
Contact: Richard Bouvier, CIC
www.Binsurance.com
CAI-CT MEMBER
Condo Logic
Contact: Lisa Caminiti
29 North Main Street
West Hartford, CT 06107
860-232-4491 x-112 • Fax: 860-232-6637
Condo Logic.Net
C.V. Mason & Company Insurance
Contact: Bud O'Neil
860-583-4127 • Fax 860-314-2720
boneil@cvmco.com
Hodge Insurance
282 Main Street

ord, CT 06107
860-232-4491 x-112 • Fax: 860-232-6637
Condo Logic.Net
C.V. Mason & Company Insurance
Contact: Bud O'Neil
860-583-4127 • Fax 860-314-2720
boneil@cvmco.com
Hodge Insurance
282 Main Street
Danbury, CT 06810
1-800-201-3339 • 203-792-2323
Fax: 203-791-2149
CAI-CT MEMBER
The Reardon Agency, Inc.
Mallory Reardon Porter
26 Clark Lane
Waterford, CT 06385
(860) 442-1396 Fax: (860) 444-2822
mreardon@reardonagency.com
www.reardonagency.com
CAI-CT MEMBER
Tooher Ferraris Insurance Group
Contact: Peter P. Ferraris, Jr., President
43 Danbury Rd., Wilton, CT 06897
Tel: 203-834-5900 or 800-899-0093
Fax: 203-834-5910
E-Mail: pferraris@toofer.com
CAI-CT MEMBER
Volume XIII: Issue 5, 2018 Common Interest
LAKE & POND
MANAGEMENT
SOLitude Lake Management
Tracy Fleming, Director of Marketing
590 Lake Street, Shrewsbury, MA 01545
508-885-0101 Fax: 508-865-1220
info@solitudelake.com
www.solitudelakemanagement.com
CAI-CT MEMBER
LAUNDRY EQUIPMENT
AUTOMATIC
LAUNDRY
"Superior Laundry Solutions"
Serving The Northeast Since 1964 D
Doug Lindland 800-422-5833 dougl@automaticlaundry.com
www.automaticlaundry.com
MAINTENANCE
THE CONDOMINIUM SPECIALISTS
Southern NewEngland
Home Works
203-627-6053
ROOFING SIDING GUTTERS
SNOW PLOWING
•
www.snehomeworks.com
CAI-CT MEMBER
V. NANFITO
ROOFING & SIDING
Leaks • Repairs
Windows • Doors
Decks • Painting
Gutters • Maintenance
Powerwashing
1-800-916-6107
www.vnanfito.com
CAI-CT Member
Lic# 570192
[Continues on page 38.]
CONNECT with CAI 37
Community Associations Institute-Connecticut Chapter
CLASSIFIED SERVICES...from page 37.
MANAGEMENT COMPANIES
Barkan Management Company, Inc.
121 W. Main Street
Vernon-Rockville, CT 06066
Call: 860-633-6110
Contact: Laura Waldrop
Email: Connecticut@barkanco.com
CAI-CT MEMBER
County Management Services, LLC

ES
Barkan Management Company, Inc.
121 W. Main Street
Vernon-Rockville, CT 06066
Call: 860-633-6110
Contact: Laura Waldrop
Email: Connecticut@barkanco.com
CAI-CT MEMBER
County Management Services, LLC
6527 Main Street
Trumbull, CT 06611
203-261-0334 • Fax: 203-261-0220
Contact: Gary M. Knauf
garyknauf@gmail.com
www.countymanagementservices.com
CAI-CT MEMBER
IMAGINEERS, LLC
635 Farmington Avenue
Hartford, CT 06105
Phone 860-768-3330 • Fax 860-236-3951
249 West Street
Seymour, CT 06483
Phone 203-463-3219 • Fax 203-463-3299
Contact: Karl Kuegler
E-mail: kkuegler@imagineersllc.com
www.imagineersllc.com
CAI-CT MEMBER
SOMAK Property Management
413 East Street, Suite 2
Plainville, CT 06062
860-259-1046
info@somakmanagement.com
www.somakmanagement.com
CAI-CT Member
The Windsor Management Company
Mallard Crossing Business Center
58 A Connecticut Avenue
South Windsor, CT 06074
860-688-1738 • Fax 860-688-0261
Contact: Don McLaughlin
E-mail: don@windsormgnt.com
www.windsormgnt.com
CAI-CT MEMBER
PAINTING
CertaPro Painters
Contact: David Messier
112 Stockhouse, Rd.
PO Box 300, Bozrah, CT 06334
860-886-2903 Fax 860-886-5900
CAI-CT MEMBER
• Painting
• Roofs
Schernecker Property Services
Eric Churchill
781-487-2501 •Fax: 866-899-0736
Email: eric.churchill@spsinconline.com
www.spsinconline.com
CAI-CT MEMBER
ROOFING/SIDING/
GUTTERS/WINDOWS
Adam Quenneville Roofing & Siding
Adam Quenneville
160 Old Lyman Road
South Hadley, MA 01075
855-552-6273
production.aqrs@gmail.com
www.1800newroof.net
CAI-CT MEMBER
Exteriors of CT, LLC
Exteriors
of CT, LLC
CONDOMINIUM
CAPITAL IMPROVEMENTS
Siding ⚫ Roofing
Windows Doors
860-657-2038
dl@ctexteriors.com
www.exteriorsofct.com
CAI-CT MEMBER
LIC #632519
Magee Property Management
7 Cody Street
West Hartford, CT 06110
860-953-2200 • Fax 860-953-2203

⚫ Roofing
Windows Doors
860-657-2038
dl@ctexteriors.com
www.exteriorsofct.com
CAI-CT MEMBER
LIC #632519
Magee Property Management
7 Cody Street
West Hartford, CT 06110
860-953-2200 • Fax 860-953-2203
Contact: Amber Chamberland
Email: manager@mageecompanies.com
www.MageeCompanies.com
CAI-CT MEMBER
Sentry Management, Inc.
Contact: N. Lynne McCarron, CMCA,
Vice President
30 Connecticut Boulevard
East Hartford, CT 06108
(860) 282-7733
Imccarron@sentrymgt.com
hartford.sentrymgt.com
PAINTING
New Look
CONSTRUCTION
.
Siding Decks
• Windows
SERVICING CONDOMINIUM AND
HOMEOWNER ASSOCIATIONS SINCE 1978
www.nlpcinc.com
CAI-CT MEMBER
MAIN
OFFICE
SHORELINE
860.633.1319
203.974.9852
OFFICE
CAI-CT MEMBER
Let Our Experience Work for You!
PRIMEtouch
SERVICES
•
carpentry siding • painting
800.767.8910
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Leading Edge Exteriors, LLC
Contact: Michael Muraca
730 East Street, Middletown, CT 06457
860-632-0050 • Fax 860-632-7762
Michael@leadingedgeexteriorsllc.com
www.leadingedgeexteriorsllc.com
CAI-CT MEMBER
Magee Roofing, Windows, Gutters &
Siding
7 Cody Street
West Hartford, CT 06110
860-953-2200 • Fax 860-953-2203
www.MageeCompanies.com
CAI-CT MEMBER
Reficio Company, LLC
Contact: Alex Gritzuk
70 Industrial Park Access Road
Middlefield, CT 06455
(860) 961-6562
www.reficiocompany.com
CAI-CT MEMBER
38 CONNECT with CAI
Schernecker Property Services
Eric Churchill
781-487-2501 Fax: 866-899-0736
Email: eric.churchill@spsinconline.com
www.spsinconline.com
CAI-CT MEMBER
THE CONDOMINIUM SPECIALISTS
SNOW PLOWING
Magee Properties & Facilities
Maintenance
7 Cody Street
West Hartford, CT 06110
860-953-2200 • Fax 860-953-2203
www.MageeCompanies.com
CAI-CT MEMBER
THE CONDOMINIUM SPECIALISTS
Volume XIII: Issue 5, 2018 Common Interest

Facilities
Maintenance
7 Cody Street
West Hartford, CT 06110
860-953-2200 • Fax 860-953-2203
www.MageeCompanies.com
CAI-CT MEMBER
THE CONDOMINIUM SPECIALISTS
Volume XIII: Issue 5, 2018 Common Interest
"Just make it go away!"
JP MAGUIRE
Property Damage
Clean Up & Reconstruction
We Can.
FIRE WATER WIND MOLD ASBESTOS BIOHAZARD
Southern NewEngland
Home Works
203-627-6053
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ROOFING SIDING
• SNOW PLOWING
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Southern NewEngland
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1-877-JPMAGUIRE
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United Cleaning & Restoration, LLC
203-464-4171
70 Industrial Park Access Road
Middlefield, CT 06455
Contact: Licia Ciotti
www.unitedcr.com
CAI-CT MEMBER
V. NANFITO
ROOFING & SIDING
Leaks • Repairs
Windows • Doors
Decks • Painting
Gutters • Maintenance
Powerwashing
1-800-916-6107
www.vnanfito.com
WATER / FIRE DAMAGE
Crystal Restoration Services of
Connecticut, Inc.
Contact: Jean Walker
3 Duke Place, South Norwalk, CT 06854
203-853-4179 • 203-853-6524 Fax
E-mail: jwalker@crystal1.com
www.crystalrestorationservices.com
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Adam Quenneville Roofing & Siding.
32
M&S Paving....
.33 Sentry Management.
8
Bouvier Insurance
13 The Milford Bank
.2 Simsbury Bank.
12
Building Renewal, LLC.
.24
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.29
Cohen & Wolf, PC
35
Community Association Banking.
.19
Southern New England Home
CondoLogic
21
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.31
Works
.Back Cover
The Falcon Group......
34
Reardon Agency.
23
V. Nanfito Roofing & Siding..
9

Association Banking.
.19
Southern New England Home
CondoLogic
21
New Look Painting & Construction ..
.31
Works
.Back Cover
The Falcon Group......
34
Reardon Agency.
23
V. Nanfito Roofing & Siding..
9
Reserve Advisors
..8
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23
Feldman, Perlstein & Greene, LLC..
33
Hodge Insurance.
35
Leading Edge Exteriors.
32
Sandler, Hansen & Alexander, LLC..
11
29
Schernecker Property Services (SPS) ..
.19
CONNECT with CAI
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