The Bay Colony Property Owners Association mission is to safeguard the quality of life in our waterfront

community, promote and advance causes that concern our property, and sponsor social and educational activities

to encourage a cohesive and friendly neighborhood.

SPRING 2014

FLOOD INSURANCE RATES TO RISE

Living on the Waterways does play havoc with our Homeowners' Insurance, as most

folks know by now. The latest breaking news concerning flood insurance is out.

(Reported in the April Federation (F.M.C.CA.) newsletter)

Federal insurance rates could rise significantly for many Florida Homeowners. Flood

Insurance is mandatory for homeowners with mortgages living in areas subject to

flooding every 100 years. (Florida has the highest number of policies - over 2 million

and counting according to FEMA.

The National Flood Insurance Program is estimated to be $24 billion in the red due to

recent natural disasters, thus the introduction of the Biggert-Waters Act of 2012.

However, Congress amended this law on March 13, 2014, with the "Homeowner Flood

Insurance Affordability Act" and it was signed into law on March 21, 2014. As of now,

around 75% of the policies in force had actuarially sound rates, meaning that these

folks are paying full risk rates.

The remainder of these policies falls into one of these 4 categories: (1) secondary,

vacation, or non-primary homes; (2) dwellings whose flood exposure has changed over

the years but are grandfathered into the flood program at older subsidized rates; (3)

dwellings in areas relying on older flood maps or that have not had elevation

certificates recently obtained to the new flood maps certificates; (4) severe repetitive

loss properties, defined as those having at least 4 flood claim payments over $5,000

each or at least 2 separate claim payments have been made with the amount exceeding

market value of the dwelling.

With CAPS of Annual Increases at 18% the following scenario could result.

Current Cost: $2,400.00 New rate: $2,832. 1st Year

$2,832.00 " " $3,342. 2nd year

$3,342.00 " " $3,944. 3rd year

$3,944.00 " " $4,653. 4th year

$4,653.00 " " $5,490. 5th year

As one can see at the 18% Caps of Annual Increase rates will approximately double

every 4 years until FAIR coverage costs are reached. MIGHTY HIGH INDEED! (Paul

Valenz)

Hopefully, those of you paying these outrageous amounts are checking with your insurance companies concerning the rates you

are paying, the flood maps your insurance company is using and also calling your state and federal elected representative. If they

never hear from you, they will believe you agree with what you are paying. Your Federation of Manatee County Community

Associations has been taking action. (Vic Coveduck)

BCPOA

Business Meeting

Guest Speaker

Larry Bustle

Manatee County

Commissioner

Paving Bay Colony Roads

Drainage Issues

Your Other Concerns

Thursday, May 22

7:30 pm

Palmetto Point Civic Center

637 43rd Street Blvd W

COYOTES

There is a growing population of coyotes in the Bay Colony and Palmetto Point communities. Please be aware when you are

enjoying being outside to help protect yourselves, your families and your pets.

Follow a few simple precautions to prevent the threat of coyotes in your neighborhood: Never leave pet food or trash outside where

it will attract wildlife. Clear brush and dense weeds from around dwellings. This reduces cover for coyotes and their prey, such as

rodents and other small animals. Protect children. Although rare, coyotes have been known to seriously injure children. Do not

leave young children unattended, even in a backyard. Protect pets and livestock. These are favorite prey for coyotes. Keep pets

indoors, especially at night. When not indoors, keep dogs and cats leashed at all times. There is a Manatee County Ordinance that

prohibits dogs or cats from roaming freely. Avoid walking dogs during dawn or dusk hours, which are coyotes’ normal feeding

times. Avoid using a retractable leash. Coyotes will notice a dog walked frequently on an

extended leash. The coyote will come back, grab the dog, and leave the owner holding an

empty leash. When walking a pet, carry a stick, whistle or air horn. Use negative

reinforcement. Make sure the coyotes know that they are not welcome. Make loud noises,

throw rocks in their direction or spray with a garden hose.

NEIGHBORHOOD SAFETY AND CRIME

Lighting – Using external lighting that has been properly fitted and well positioned outside

your home can be an excellent deterrent to burglars and other unwelcome visitors. The

entrances to your home and garage service door should be well lighted, and the lights

placed out of reach from ground level. Whether you prefer regular lighting, or external

lamps that automatically illuminate in response to outside movement, they are an effective

way of providing you with a sense of security, and can also help you find your door keys,

rather than fumbling around in the dark. Installing low-level dusk to dawn lighting and

lights triggered by motion detectors is recommended. It is normally unnecessary to use a

lamp of more than 150 watts (2000 lumens). Lights with more power than this will cause

glare, create shadows and won’t be popular with neighbors. Often, floodlights are fitted

with motion detectors that activate the light when anyone enters the space around your

home. Other options include garden lights, some of which run on solar power. (Manatee

County Sheriff’s office “Residential Burglary” booklet.)

Golf Carts – Unlicensed golf carts are not to be on public roads and can receive a traffic

violation. However the police will not give tickets unless a complaint is made. If you see

underage drivers on golf carts (probably not a good idea), or reckless driving, call the

sheriff’s department, 941-747-3011.

Crime – There have been two burglaries recently in Bay Colony. Watch out for your

neighbors, watch on each side, and report any suspicious activity or vandalism (egging).

This information is being brought to you by a concerned BCPOA, please get involved with

your next door neighbors and with the association.

BCPOA 2014 Board Members

Chairman: Evelyn Griggs 729-7923 eag_1025@yahoo.com

Vice Chairman: Lenworth Gordon 510- 717-8221 cogent@cogentcommunications.com

Secretary: Marilyn Conner 723-0407 conner5203@verizon.net

Treasurer: Tony Walker 723-1304 w8pwp@aol.com

Mark Hemsath 419-356-3500 mark@hemsath.net

Loek Schwaanhuyser 721-8586 loekusa@hotmail.com

Vic Coveduck 723-1964 Vicnjlc54@Verizon.net

BCPOA Web Master: Pat Roehl

BAY COLONY WEB SITE

Anyone Bay Colony

association member may add

photos to the BC web site.

Log-in and click “Upload

Photo”. All photos will be

approved by the webmaster

before they are published.

Also, please feel free to make

suggestions to your board

members on items to be

posted, or other web site links

that might be added to the our

BCPOA web site.

BCPOA - Working for you. Completed Tasks: Loek Schwaanhuyser created a new sign advertising the Bay Colony web

site. Loek, it was a great idea and you did a great job! Thank you! The out of town folks can see a picture of this sign on our web

site. www.mybaycolony.org

Pat Walker and Evelyn Griggs prepared the Spring Fling Pot Luck flyer.

Evelyn published the Spring 2014 newsletter and arranged for Larry Bustle to attend our May 22 property owners association

(POA) meeting.

Board members attended a workshop on Wednesday, May 7th to prepare for the May 22nd BCPOA business meeting

Ann Menke, Ruth Kraner, Barb Kunkel and Evelyn Griggs complete the 2013 Treasurer audit.

Barb Kunkel worked diligently on the 2013 Treasurer’s reports and balanced everything to the penny. Thanks Barb for all your

hard work.

BCPOA, business meeting on March 6, 2014

The Board voted on these items: 1) installation of the 2014 Bay Colony board, 2) letter authorizing Vic Coveduck to represent BC

interest in paving and drainage issues at the Manatee County offices, 3) Ruth Kraner will represent BC with code enforcement.

Support YOUR community organization.

www.MyBayColony.org

BCPOA is working for preserving and improving our community

**REMINDER ** Our Next BCPOA Business Meeting

Thursday, May 22, 2014 @ 7:30pm

Palmetto Point Civic Center, 637 43rd Street Blvd W

Agenda

Guest Speaker, Larry Bustle, your County Commissioner, Committee

Reports, Welcome Packets, Budget and Plans to Replace Bay Colony

Sign, New Business

Open to residents and homeowners. All New residents

cordially invited!

MARK YOUR CALANDERS

May 22, 2014 – BCPOA Business

Meeting

May 23, 2014 – 7th Annual Spring

Fling Pot Luck*

* See page 6 for details

Boy’s Night Out, 6pm, 1st Tuesday,

every month

Neighborhood Watch Meeting,

7pm, 2nd Tuesday, every month,

June Guest speaker from Manatee

County Code Enforcement

Owners who have tenants.

Let BCPOA know when someone new moves into your property. We’d like to

welcome them to the neighborhood and deliver their Welcome Package.

BAY COLONY – ADVERTISEMENTS

Put Your Advertisement Here

Send your business card or an ad you’ve made

the size of a business card to Evelyn Griggs.

Or Contact any board member

$25.00 per ad, all ads must be prepaid

All Bay Colony residents may join the

Property Owners Association.

New resident may join at no charge for the

first year! But, you will need to complete the

Membership form below and send it to PO

BOX 425, Palmetto, FL 34220

2014 Membership Dues are $50 per lot. Dues waived for new residents first year of membership. Members will receive a Bay Colony Directory, emails with important

neighborhood information, and a sense of pride in your community.

Please make check ($50) payable to “BCPOA” and mail with this form to PO BOX 425, Palmetto, FL 34220.

Name (s) ____________________________________________________________________ Date ____________

Property Address ______________________________________________________________________________

______________________________________________________________ Lot # _______ Homeowner/Resident

(Circle one)

Mailing Address (if different from property address) _______________________________________________

Phone numbers (s) _____________________________________________________________________________

Email (s) _____________________________________________________________________________________

Comments/suggestion (To make our association more meaningful to you) ____________________________

______________________________________________________________________________________________

CRIME WATCH – February 23, 2014 to May 16, 2014

Bay Colony Subdivision: No crimes reported.

BURGLARY/BREAKING AND ENTERING, Case Number: 2014007035, Date: 3/7/2014 12:00

PM, Location: 4700 BLOCK PALMETTO POINT DR

LARCENY, Case Number: 2014009631, Date: 3/29/2014 8:30 PM, Location: 4700 BLOCK

ARLINGTON RD

Terra Ceia Estate:

FRAUD: FALSE PRETENSES/SWINDLING, Case Number: 2014009129, Date: 3/18/2014 12:00 PM, Location: 5500 BLOCK 2ND

AVENUE CIR W

FRAUD: FALSE PRETENSES/SWINDLING, Case Number: 2014009128, Date: 3/24/2014 12:00 PM, Location: 5500 BLOCK 2ND

AVENUE CIR W

Palmetto Point Subdivision:

TRESSPASS OF REAL PROPERTY, Case Number: 2014006920, Date: 3/6/2014 12:53 PM, Location: 300 BLOCK 48TH STREET CT

W

SIMPLE ASSAULT, Case Number: 2014007562, Date: 3/11/2014 9:00 PM, Location: 300 BLOCK 51ST ST W

BURGLARY/BREAKING AND ENTERING, Case Number: 2014008147, Date: 3/17/2014 7:30 AM, Location: 300 BLOCK 48TH

STREET CT W

SIMPLE ASSAULT, Case Number: 2014008700, Date: 3/21/2014 5:58 PM, Location: 5400 BLOCK PALMETTO POINT DR

SIMPLE ASSAULT, Case Number: 2014009911, Date: 3/31/2014 7:00 AM, Location: 400 BLOCK 46TH ST W

Contact the Manatee County Sherriff if you have any information, 941-747-3011. Information gathered from

www.crimemapping.com. You can visit this web site for a map showing the crime locations.

Bay Colony Property Owners Association

New Members

Terry & Susan Broning 5003 Beacon

Lowell & Lori Fail 5015 Beacon

Lynn Kramer 5204 Commonwealth

Iveta & Jennifer Larocco 816 Arlington

Rudy Lung 4811 Commonwealth

Clifford & Carolyn Schmidt 5000 Beacon

James Sewell 5311 Bay State

Bay Colony Property Owners Association

7th Annual Spring Fling* Pot Luck

*Sure does feel like summer!

Friday, May 23, 2014

6pm – ??

At 5112 Bay State Road

Music, Main Course, Soft Drinks, Ice, Paper Products

Provided by the BCPOA

BYOB

Members – Free!

Non-Member - $5.00 per person, Children Free

Pool open

Parental supervised swimming only

All Bay Colony Residents and Friends are Welcome

RSVP Required by May 19, 2014

Please advise what type of dish you will be bring

i.e. salad, appetizer, or dessert to serve 6

RSVP and/or questions, contact Pat Walker

941-723-1304 Travel2@reagan.com