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A Quarterly Publicaon of: President’s Message THE W: www.JaxMetroCAI.com E: [email protected] M: 9802 Baymeadows Rd #12 PMB201 Jacksonville, FL 32256 2015 Chapter Sponsors PLATINUM Angius & Terry, LLP Lake, Brown, Williams CPAs and Consultants, Inc. GOLD CNLBank Kings III Emergency Communications SILVER Aquatic Systems BB&T First Coast Association Management Mosquito Joe Union Bank If you are interested in becoming a chapter sponsor, please visit www.JaxMetroCAI.com for details. Dear Northeast Florida CAI Members, Happy summer to you! It is my hope that this newsletter finds you vacationing on a sandy beach somewhere sipping the fruity beverage of your choice. How nice to address the Northeast Florida CAI members! Please help us get the word out to our neighboring counties that we are now the Northeast Florida Chapter of CAI and we are here as an educational resource for them. Feel free to forward chapter emails about events to invite your contacts to the next luncheon or upcoming events. Inviting guests to our socials is a great way to get folks involved and see the lighter side of our members. Be on the look-out for upcoming socials at Jax Beach and St. Augustine. Thank you and well wishes to our Chapter Executive Director (CED), Brittany Lamoureux, who made the decision to resign as CED to focus on her full-time position and her two little ones. We wish you nothing but the best Brittany. It is my pleasure to welcome Stephanie Peluyera back as our Chapter Executive Director. Stephanie served as our CED in 2012 and 2013 prior to having her daughter, Isabella, and we are excited she has decided to join us once again. Stephanie has many great ideas and her bubbly personality is contagious! Please contact Stephanie at [email protected] with questions, to refer a new member, share ideas, volunteer for a committee, or to learn more about event sponsorship and advertising opportunities. Save the date! You wont want to miss our upcoming Education Event and Expo Back to Schoolon September 10 th which will be held at the Schultz Center. Keynote speaker Betsy Barbieux from the Florida CAM School will share her wisdom regarding Dealing with Difficult People”, which is sure to provide valuable tips for every member category with the bonus of receiving credit for a 2-hour continuing education (CEU) course for our managers. CONTINUED ON PAGE 2 PRESIDENT CONT. Cindy Craft Dunlop IN THIS ISSUE President’s Message | 1 New & Renewed Members | 2 Second Quarter Recap | 4 Stripping Liens | 6 Hurricane Prep | 9 Second Hand Smoke | 10 2015 Conference Recap | 12 Insurer Stability | 14 Dealing with Angry Customers | 17 VOLUME 2 | ISSUE 3

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Page 1: Community Connection | V2 I3

A Quarterly Publication of:

President’s Message

THE

W: www.JaxMetroCAI.com

E: [email protected]

M: 9802 Baymeadows Rd #12 PMB201

Jacksonville, FL 32256

2015 Chapter Sponsors PLATINUM

Angius & Terry, LLP

Lake, Brown, Williams CPAs

and Consultants, Inc.

GOLD

CNLBank

Kings III Emergency Communications

SILVER

Aquatic Systems

BB&T

First Coast Association Management

Mosquito Joe

Union Bank

If you are interested in becoming a

chapter sponsor, please visit

www.JaxMetroCAI.com for details.

Dear Northeast Florida CAI Members, Happy summer to you! It is my hope that this newsletter finds you vacationing on a sandy beach somewhere sipping the fruity beverage of your choice. How nice to address the Northeast Florida CAI members! Please help us get the word out to our neighboring counties that we are now the Northeast Florida Chapter of CAI and we are here as an educational resource for them. Feel free to forward chapter emails about events to invite your contacts to the next luncheon or upcoming events. Inviting guests to our socials is a great way to get folks involved and see the lighter side of our

members. Be on the look-out for upcoming socials at Jax Beach and St. Augustine. Thank you and well wishes to our Chapter Executive Director (CED), Brittany Lamoureux, who made the decision to resign as CED to focus on her full-time position and her two little ones. We wish you nothing but the best Brittany. It is my pleasure to welcome Stephanie Peluyera back as our Chapter Executive Director. Stephanie served as our CED in 2012 and 2013 prior to having her daughter, Isabella, and we are excited she has decided to join us once again. Stephanie has many great ideas and her bubbly personality is contagious! Please contact Stephanie at [email protected] with questions, to refer a new member, share ideas, volunteer for a committee, or to learn more about event sponsorship and advertising opportunities. Save the date! You won’t want to miss our upcoming Education Event and Expo “Back to School” on September 10

th which will be held at the Schultz

Center. Keynote speaker Betsy Barbieux from the Florida CAM School will share her wisdom regarding “Dealing with Difficult People”, which is sure to provide valuable tips for every member category with the bonus of receiving credit for a 2-hour continuing education (CEU) course for our managers.

CONTINUED ON PAGE 2 PRESIDENT CONT.

Cindy Craft Dunlop

IN THIS ISSUE President’s Message | 1 New & Renewed Members | 2

Second Quarter Recap | 4 Stripping Liens | 6

Hurricane Prep | 9 Second Hand Smoke | 10

2015 Conference Recap | 12 Insurer Stability | 14

Dealing with Angry Customers | 17

VOLUME 2 | ISSUE 3

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Amy Layne is chairing the committee with detailed information to come very soon. Amy and her committee are dedicated to making the event affordable (just a $5 entry fee) and focused on education with several CEU classes included. There are many opportunities for all our members at the event, so please reach out to Stephanie at [email protected] if you are interested in sponsorship opportunities or teaching a CEU course. Best Regards, Cindy Craft Dunlop CAI NE Florida Chapter President

“If you change the way you look at things, the things you look at change” Dr. Wayne Dyer

First Coast Management

Management Company

Marilyn Clayton

Universal Protection Services

James Dycus

Vesta Property Services

Management Company

Robert Stevens

John Tancredi

CAVL

Florida Paints

Gene Ponder

Bullard, Herndon & Brown, P.A.

Randy Herndon

Bernard Vargas Vila

Community Manager

WELCOME NEW MEMBERS

2015 Top Recruiters

Second Quarter

Cindy Craft Dunlop

CNLBank

First Quarter Leslie Pragasam

Aquatic Systems

Third Quarter

YOU?

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WELCOME BACK REJOINED MEMBERS Driveway Maintenance

Kerry Barnes

Jerre Breitbart

Community Manager

Kings III Emergency Communications

Candace Harrison

VanDyke Norman Insurance

Andy Norman

THANK YOU TO THE MEMBERS WHO

HAVE CHOSEN TO RENEW THEIR

CHAPTER MEMBERSHIP William Tech, CMCA, AMS,

PCAM

Community Manager

Kerri Van Pelt, CMCA, AMS,

PCAM

Community Manager

BCM Services, Inc.

Management Company

Denise Wallace

Lynn Salcedo, CMCA

Community Manager

Patty Stewart

Community Manager

Sherry McNees

Community Manager

Envera

Kevin Flanagan

Fletcher | Stein Insurance

Carie Whitcomb

Ian H Graham Insurance

Sylvia Tagle

Daniel Brazzano

Community Manager

May Management Services

Management Company

Ginger Matlock

Theresa Graeser, CMCA, AMS

Community Manager

Mitchell Mattocks, CMCA, AMS

Community Manager

Reserve Study Group

Stuart Wilkinson

Richard Janusz

CAVL

Dewey Walker

CAVL

We are so proud of our members and are thrilled that you are finding value in your membership. We hope that

you continue to be a loyal and involved member for a very long time!

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Many thanks to those who attended our May luncheon & to our

Chapter sponsors. We heard from the legislative action

committee (LAC) members of our chapter on the most recent

Florida Legislative Session.

What an informative session on the many changes to look for affecting our industry and our communities. Thank you to Ed Ronsman, Esq., Amy Layne, LCAM CMCA, AMS and Pilar Willis Dixon for serving on this important committee and reporting to our members.

You will not want to miss our upcoming luncheon on July 9th where Mike Buresh, Chief Meteorologist on Action News at WJAX-TV/WFOX-TV, will provide hurricane preparedness tips.

On May 28

th, we hosted our first golf outing at

the Golf Club at South Hampton. Special thanks to Kevin Flanagan for coordinating this event on such short notice. A good time was had by all & a few of the attendees discovered a new found love for golf! We look forward to making this event an annual event.

On June 3rd

, we hosted our first social of the summer & there was a great turn out! Special thanks go to David Robinson & his Social Committee for planning a great event. Attendees

enjoyed appetizers, drinks, and a special candy making class & were able to take home lollipops made during the event. Thank you to everyone who made this event a success!

We have lots planned for the third quarter—you won’t want to miss these fun events!

Second Quarter Events Recap May 2015 Meeting

CAI 9 Hole Golf Outing

Sweet Summer Social

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The Supreme Court of the United States

ruled in Bank of America, N.A. v. Caulkett on June

1, 2015 that debtors in a Chapter 7 bankruptcy

proceeding cannot void a

junior lien even if the first

mortgage exceeds the current

value of the property.

This decision is

significant because it resolves

a split among federal circuits

in favor of junior lien holders,

which would include

condominium and

homeowners associations.

Previous decisions from the Eleventh Circuit Court

of Appeals provided that debtors could use lien

striping in a Chapter 7 bankruptcy to eliminate

wholly unsecured junior liens. The Supreme

Court's ruling in Caulkett fundamentally changes

the analysis upon which the earlier decisions relied.

Specifically, the Eleventh Circuit decisions focused

on the term "secured claim" finding

that a determination of whether any

equity existed beyond the first

mortgage controlled whether a

junior interest was secured. These

decisions opened the door to lien

stripping in Chapter 7 cases where

the property was underwater to the

detriment of condominium and

homeowner associations.

The new decision changes

the focus from the value of the

property in question to whether a

claim is supported by an

underlying security interest.

Relying upon the analysis in

Dewsnup v. Timm, 502, U.S. 410

(1992), the Court found that "a

'secured claim' is a claim

supported by a security interest in property,

regardless of whether the value of that property

would be sufficient to cover the claim."

Therefore, the Court held that a

junior lien cannot be voided

under 11 U.S.C. §506(d) if the

claim is secured by a lien and

allowed under §502 of the

Bankruptcy Code.

Dicta in the decision

suggests that the ruling may be

ripe for reconsideration. Until

then, an association lien cannot

be eliminated in a Chapter 7 case

solely on the theory that the value

of the property is less than the first mortgage.

This decision does not address whether a similar

lien in a Chapter 13 proceeding can be avoided.

By Cynthia Trimmer | Attorney - Ansbacher Law | [email protected] | 904.737.4600

Supreme Court Rules that Liens Cannot be

Stripped in Chapter 7 Bankruptcy Proceedings

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CHAPTER

STAFF SPOTLIGHT

Educational background, where you grew up, info about family (spouse, kids), employer & job title, length of employment at current job I grew up in Orlando, FL where I resided until moving to Jacksonville for college in 2007. I graduated from Trinity Baptist College with a Bachelors in Elementary Education in 2010 and married my husband that same year. We were blessed with our little girl, Isabella (busy Izzy to us) in October of 2013. I currently work at Associa | Community Management Concepts of Jacksonville, Inc. as an Administrative Assistant and Education Coordinator. I have been with CMC for four years in August.

Personal stuff, such as hobbies & other organizations you are involved & other things that make

you super cool

I enjoy all things artistic and colorful and messy! I enjoy most spending time with my husband and daughter, my husband serves in the United States Air Force and any time spent together is special. We enjoy trying new restaurants, going to the zoo and visiting new parks and historical sites. What do you hope to accomplish by working for the NE Florida Chapter?

My goal for the chapter is for it to become known as the ‘go-to’ resource for Community Association Education and Information. To build up a solid and far-reaching reputation that surpasses even the loftiest of goals set by board members! Where would you like to see the chapter in 5 years?

I’d like to see the chapter grow in classification from a small to a medium chapter and to continue winning awards for innovation and growth at the National Conventions.

Stephanie Peluyera

Chapter Execut ive Director

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2015 Hurricane Preparedness Guide Hurricanes are a type of tropical

cyclone or low pressure system that is

accompanied by thunderstorms. They can

create violent waves, winds, rains and

floods, and often lead to major damage and

loss of life. Hurricanes are categorized by

their wind strength and are given names

when their winds reach 39 mph. Category 1

storms have the lowest wind speeds, while

Category 5 hurricanes have the strongest.

However, lower category storms can

sometimes cause greater damage than

higher category storms due to flooding and

location.

Before a hurricane

□ Determine if you live in a hurricane–

prone area and prepare a written plan

for your home or business. Know where

you and your family or employees will go

if required to evacuate.

□ At the beginning of hurricane season in

June, check your emergency kit supplies,

rotate your food and water stocks and

replace all batteries.

□ Monitor the National Weather Service broadcasts (www.nws.noaa.gov/nwr) throughout the season (June 1 through Nov. 30).

□ Know the difference between a “watch” and a “warning.” A hurricane watch means that the possibility exists for a hurricane within the next 48 hours and you should initiate protective measures, while a hurricane warning means that winds of at least 74 mph are expected within 36 hours or less and you should consider your safest location for shelter.

Emergency training

□ Learn what you can do before, during and after any disaster. Visit www.fema.gov for tips and info.

□ Community Emergency Response Team (C.E.R.T.) classes are usually available through your local fire department. C.E.R.T. classes equip average citizens to deal with most types of disasters based on your area.

Emergency kits for your office, home and vehicle

Include the following items: jumper cables, battery-powered radio, road flares, oil, antifreeze, first aid kit, blanket, fuses, flashlight and batteries, gloves, screwdrivers, pliers, wrench, tire inflator, rags, paper towels, duct tape, pocketknife, pen/paper, any personal medications, matches, energy bars and bottled water.

Secure your home or business

□ Contact your local building code official

to find out what you will need to do to

initiate improvement projects.

□ Use hurricane straps to secure the roof

to its structure frame.

□ Consider adding permanent storm

shutters to your windows or board them

using pre-cut ½” thick plywood and screws

with anchors.

□ Trim trees and shrubbery around your

property and clear out clogged gutters and

downspouts.

□ Tie down or secure any loose items

outside and ask your neighbors to do the

same.

□ Take an inventory of everything you

own and keep the list in a safe place away

from the property.

□ If your own insurance does not cover flood damage, call the National Flood Insurance Program at (888) 379-9531 for information regarding how to qualify for pre-disaster insurance.

During a hurricane

□ Pre-select an

evacuation destination

that is near your home or

business. If you decide to

leave the region, be

prepared to encounter

traffic.

□ If you plan to stay at a hotel, call ahead

to reserve a room. If you are unable to stay

at a hotel or with family/friends, then take

your emergency supply kit with you and

head for a shelter.

□ If you are ordered to evacuate, fill your vehicle with gas and leave immediately, as even a slight delay can result in longer travel times due to traffic congestion.

After a hurricane

□ Check yourself and others for injuries

and seek medical attention immediately, if

necessary. Apply pressure to any bleeding

wounds.

□ If you or others are trapped, do not try

to move them unless there is immediate

danger. Instead, call for medical assistance.

□ Be aware of possible structural,

electrical or gas-leak hazards in your home

or business. Also be on the lookout for and

stay clear of contaminated water, downed

power lines and broken glass.

□ If you smell gas in your home, turn off the main gas valve, open all windows and leave immediately. Notify the gas company, police or fire department and do not return until you are told it is safe to do so.

James M. Dycus, Sr. | Business Development Manager—Universal Protection Service | (407) 758-3130

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"Secondhand smoke," means smoke emitted from lighted,

smoldering, or burning tobacco when the smoker is not inhaling; smoke emitted at the mouthpiece during puff drawing; and smoke exhaled by the smoker. The U.S.

Environmental Protection Agency has reported that second

hand smoke is known to cause cancer in humans, even healthy nonsmokers. Second hand smoke is the third leading cause of preventable deaths in the United States and may cause, or be a contributing cause, of Sudden Infant Death Syndrome, miscarriages, nasal sinus cancer, lung cancer, heart disease, and chronic respiratory problems. Due to the many negative health impacts of second hand smoke, states have taken action to eliminate smoking in public places.

It may also be prudent for community associations to regulate or ban smoking. Recently, a jury in a California case, Chauncey v. Bella Palermo Homeowners' Association, Inc., Orange County Superior Court Case No. 30-2011-00461681, found a condominium association partially liable for failing to prevent a resident from smoking on his patio and sidewalks in front of the units. While the association's covenants and rules did not restrict smoking, it had a nuisance provision and the jury found that the association should have prevented the incessant smoking based upon the nuisance provision. On the other hand, in Maine, the Supreme Judicial Court, in America v. Sunspray Condominium Association, Inc., 61 A.3d 1249 (2013), found that a unit owner could not proceed forward with his case because he failed to show that the association had not enforced its ban on smoking or that he had been injured by any second hand smoke. Instead, the unit owner had only shown that the association did not enforce the smoking ban how the unit owner had requested it be enforced.

Based upon these cases, an association may want to consider the following restrictions for its community:

1. A ban on smoking on the common areas or common elements, and/or on limited common element balconies, lanais, and patios;

2. Require smokers to use smokeless ashtrays, or to install air purifiers or fans to reduce the transmission of second-hand smoke from their immediate vicinity; and/or

3. A ban on smoking in the entire community.

Even if an association's board has authority to adopt a rule as to smoking, it may be better to adopt an amendment to the Declaration. Covenants and restrictions found in

Declarations are "clothed with a very strong presumption of validity", which arises from the fact that each owner purchases their property knowing of and accepting the restrictions to be imposed. Such restrictions will usually not be invalidated, unless they are entirely subjective in their application, are in violation of public policy, or negate some fundamental constitutional right. Furthermore, an amendment would express the will of the community and is likely to withstand judicial scrutiny. Since second hand smoke is so controversial, an amendment would be the better avenue to pursue.

Robyn M. Severs, Senior Attorney 100 Whetstone Place, Suite 101 St. Augustine, FL 32086 | Tel: 904.423.5372 | Fax: 904.239.5938 E-Mail | Website

Options for the Regulation of Second Hand Smoke in Community Associations When the Smoke Clears...

CONNECT WITH US!

www.JaxMetroCAI.com Check us out online at

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YOUR COMPANY AD

COULD BE HERE! We have one more quarterly

newsletter this year, don’t miss your

last opportunity to advertise in the

2015 Chapter Newsletters.

If you are interested in advertising or

writing an informative article for the

upcoming newsletter please contact the

Newsletter Committee Chairperson, Leslie

Pragasam at

[email protected]

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Each year chapters from across the country compete for Chapter Achievement and Excellence Awards in various categories. We are so proud to announce that our chapter was recognized and awarded at this years conference.

We were named as the winner in the Member Services category for our Chapter E-Newsletter!

President Elect, Ed Ronsman, Esq. accepted the award on behalf of the chapter.

Thank you to our Newsletter Committee Members and all of the hard work they put into ensuring that we have an award-winning e-newsletter each quarter!

Rosen Shingle Creek—9939 Universal Blvd, Orlando, FL 32819

CLICK HERE FOR HOTEL RESERVATIONS AT THE CAI REDUCED RATE

Register Online at www.caionline.org Full Conference Registration Includes:

- All education sessions - All general sessions - Wednesday welcome reception

- Thursday expo luncheon - Friday expo luncheon - Friday awards event

WHO SHOULD ATTEND? Community Manager | Management Company Executives

Product and Service Providers | Association Board Members

Through shared perspectives, experience and knowledge, a strong peer network is one of the best resources for creating community legacies. Shape your future success and strengthen your personal and professional

connections by meeting colleagues from around the world and building on their collective wisdom.

The Annual Conference features plenty of opportunities to develop connections and expand your network with small-group interactions and large social events. Receptions, meetings, exchanges and ShopTalks offer a variety

of venues for advancing ideas and cultivating the professional contacts that can be as critical to success as education and experience.

2015 National Conference

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Understanding insurance companies’

financials can be very difficult and a tough task

for associations. Associations often rely on an

A.M. Best rating or a Demotech rating solely

when choosing the appropriate insurer for our

associations. There are multiple items to

consider when choosing the insurer that is the

best fit for your association when it comes to

financial stability and protecting your association.

What is a Financial Strength Rating? An

FSR is an indicator on the financial stability of an

insurance insurer. There are six rating agencies,

but we see most often A.M. Best or Demotech

rated insurers in Florida.

A.M. Best is the best known of the

financial rating companies in the industry. The

company was founded in 1899 so it has well over

one hundred years of history. A.M. Best utilizes

an insurer’s balance sheet strength, operating

performance, and business profile when

assigning the appropriate rating for the insurer.

Demotech, founded in 1985 assigns

financial stability ratings to a lot of the domestic

and regional insurers throughout the country as

well as larger nation wide companies. They go

through an extensive financial analysis of the

insurance company to determine a rating. Like

A.M. Best, Demotech looks over balance sheets

as well as other factors such as pro forma

financial statements, key personnel bios, a

review of the initial state department of insurance

licensing examination, catastrophe model

reports, reinsurance placement, and base

insurance rates prior to assigning the rating. The

company had its rating process examined and

approved by Fannie Mae in 1989, Freddie Mac in

1990, and HUD in 1994. Demotech reports that

they have assigned an FSR to seventy percent of

the insurers they have reviewed for a rating while

other rating insurers accept approximately ninety

percent of their applicants.

You may ask yourself, how does an insurance

company insure our association if our property

values exceed their surplus? This is where

reinsurance comes into play. It is important to

understand that property insurers rely on

reinsurance to protect their surplus. Reinsurance

is insurance for the insurance company.

Transferring the risk of large losses to reinsurers

allows Florida insurers to have access to

additional capital and build up reserves to pay

claims. In 2012, it was reported that ninety eight

percent of Florida insurers purchased

reinsurance to manage at least a 1 in 80 year

storm. Putting that into perspective, this is much

larger than Hurricane Andrew.

It is important to understand what your

insurer has gone through to operate in Florida.

Florida’s insurers go through meticulous

evaluations by the Florida Office of Insurance

Regulation (OIR) and it is considered one of the

toughest states to get approval in. The OIR has

to approve insurance companies to do business

in our state, whether admitted or non admitted.

The state reviews the financials of a company

along with other aspects prior to providing them

with a license to do business. An admitted

insurer has to have all property forms and rates

approved by the state prior to doing business

and they are monitored thereafter.

All admitted insurers in Florida are

members of the Florida Insurance Guaranty

Association (FIGA). FIGA is a non-profit, state

based, and statutorily created system to protect

policyholders in the event an insurance company

CONTINUED ON PAGE 15

It’s More Than Just a Rating Navigating Insurer Stability:

Sim Bridges, CPCU, CPL | Vice President—Underwriting, Coastal Insurance Underwriters

(904) 395-5912 | [email protected]

Page 15: Community Connection | V2 I3

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becomes insolvent and

immediately take responsibility of

all outstanding claims when it

happens. FIGA is similar to the

FDIC for banks. Condominium

and homeowners associations are

protected with a limit of the lesser

of the policy limits or $100,000 per

unit. For example, a 100 unit

condominium associated is

covered for up to $10 million of

limit by FIGA.

It is important when choosing the insurer that fits your association’s needs the best, to review all of these aspects when reviewing the different insurers’ stability. By all means, insurance agents can help you to obtain financial information about Florida insurers. Don’t be fooled into making a decision on the insurer based solely on the FSR and

which rating agency they have an assignment by. A deceptive insurance agent may convince you otherwise by telling you AM Best is the only credible rating firm or that a certain insurer does not have the capital to pay your claim. Florida Statute 626.9541 prohibits insurance agents from using these types of deceptive and unfair sales practices as a sales ploy. It is recommended to report these violations to the Florida Department of Financial Services Division of Consumer Services.

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PARTNERSHIP OPPORTUNITIES

Expo Booth - $400 (Non-Members: $550)

- Expo table with tablecloth and 2 chairs (Can be upgraded to a double booth for An additional $300) - Customized Digital Marketing Packet - 2 Lunch/General Session Tickets - Logo/Name on Chapter Expo Event Web Page - Logo/Name in Event Program

Course Provider/Sponsor - $250 per hour (Max. 2 hours)

Non-member: $300 per hour - One-on-One with course attendees - Logo/Name permitted on all course material handed out (as laws permit) - Customized Digital Marketing Packet - Logo/Name Outside Classroom during entire event - Logo/Name on Chapter Event Web Page - Logo/Name in Event Program - Logo/Name on Stage During General Session/Expo

Course Provider/Sponsor Bundle Deal - $800

(Available ONLY to Members) - 2 Hours of course time with all benefits listed above - One Expo Booth (Can be upgraded to a double booth for $300)

Registration Sponsor—$1,000 (2 Available)

- Display table at entrance to event - Logo on all bags and lanyards provided to attendees - Logo on stage during general session - Logo on all marketing for event - Logo on Chapter Expo Event Web Page - 5 minutes to address attendees at general session

Teacher’s Lounge (Happy Hour) Sponsor—$500

(2 Available) - Logo displayed near bar - Logo on all marketing for event - Logo on stage during general session - Logo on napkins during Happy Hour

CLICK HERE TO RESERVE

YOUR BOOTH AND COURSE

SPACE NOW! WWW.NEFLCAI2015EXPO.EVENTZILLA.NET

9am Morning Session 1

10am Morning Session 2

11am Lunch

General Session

"Dealing with Difficult People" 2HR or ELE Credits

Noon

1pm

Chapter Expo & Raffles 2pm

3pm Afternoon Session 1

4pm Afternoon Session 2

5pm

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Customers get rude or angry for a variety of

reasons—some justified, some not. But since we’re in

business to serve customers, you’ll likely encounter rude or

angry individuals at one time or another. How you respond

can make the difference between a customer who feels

satisfied with the resolution and one who vows never to

patronize your business again.

Here are tips for coping with a tense situation and

hopefully resolving it to everyone’s satisfaction:

1. Remain calm. When a customer starts yelling or

being otherwise rude, there is nothing to be gained by

responding in a similar manner. In fact, that will probably

escalate hostilities. Maintain control of yourself, even if the

customer’s tirade makes you feel like yelling yourself.

2. Don’t take it personally. Remember, the customer is

not angry with you, they are displeased with the

performance of your product or the quality of the service

you provide. Your personal feelings are beside the

point.

3. Use your best listening skills. The first thing

an angry customer wants is to vent. To do so,

they need someone to listen—and, for better or

worse, you are that person. Listening patiently can

defuse a situation, as long as the customer feels

acknowledged in his or her complaint. Hear them

out. When they are done talking, summarize what

you’ve heard and ask any questions to further

clarify their complaint. Body language can be

critically important here. Keep eye contact. Stand

or sit up straight. Keep your arms uncrossed. Show

how closely you’re paying attention to their

problem.

4. Actively sympathize. After the customer

vents, he wants to know you understand

where he’s coming from and how he or she feels.

Express sympathy for their unpleasant customer

experience. Respect and understanding go a long

way toward smoothing things over.

5. Apologize gracefully. Whether the

customer’s complaint is legitimate or not is

really irrelevant. If you want her to stay a

customer, you need to express an apology for the

problem they are having (or perceive to be having).

A simple, straightforward statement is often all

that’s needed: “I’m sorry you’re not happy with our

service. Let’s see what we can do to make things

right.”

6. Find a solution. Once you understand why the

customer is unhappy, it is time to offer a solution. Put

forward your own fair and realistic answer to the problem.

In most cases, that’s all the customer is looking for—and

may result in providing some degree of satisfaction.

7. Take a few minutes on your own. After the situation has been resolved and the customer is on her way, it’s

helpful for you to take your own “time-out.” Even if you’ve handled the situation in the most professional way possible, it’s still a stressful experience. Rather than let that stress linger inside you, take a short walk, treat yourself to a snack or find someone to talk to who makes you laugh. Then you’ll be ready to once again engage with your customers.

Seven Steps for Dealing with Angry Customers Daniel Cobreiro, District Manager | KW Property Management | 904-371-1912 | [email protected]

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NE FL Chapter 2015

Board of Directors

Cindy Craft Dunlop

President

Edward Ronsman, Esq.

President-Elect

Donna Clawson

Treasurer

Leslie Pragasam

Secretary

Mitchell Mattocks, LCAM, CMCA®,

AMS®

Director

Stephanie Peluyera

Executive Director

If you would like to be involved in one

of our various committees contact our

Executive Director at

[email protected] to be

put in contact with the committee

chairperson.

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UPCOMING CHAPTER EVENTS CHAPTER MEETINGS

11:30am | Maggiano’s Little Italy | 10367 Mid Town Parkway

July 9th—Severe Weather and Flooding

Presented by Mike Buresh from Action First News

October 8th—Topic to Be Determined

More Details to Follow

SOCIAL EVENTS

9 Hole Golf Outing

July 23rd

The Golf Club at South

Hampton | 5:30pm

Summer Send-off Mixer

August 21st | 5pm

Casa Marina Hotel

summersendoff.eventzilla.net

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