★TRILO★PEDIA®★

Definition of condo ||| https://bit.ly/3DYhYe0 : CONDOMINIUM sense 3: such as a: a unit in a multiunit structure (such as an apartment building) or on land owned in common (such as a town house complex) Definition of townhome ||| https://bit.ly/3DYhYe0 US : a house that has two or three levels and that is attached to a similar house by a shared wall : TOWN HOUSE sense 1 Thanks to the source, these definitions are circular and almost identical, right? Clarity of these definitions has become a burning question in the neighborhood of Cobblestone Canyon, Trilogy Glen Ivy, a 170-homeowner enclave with a larger 1317-homeowner association (HOA) in the central Temescal Valley, south of Corona 92883 and east of the sprawling, rugged wilderness of the Cleveland National Forest. It is that forest area, and risk of wildfires, that prompted the redefinition of these dwellings from condos to townhomes.  In November 2021, homeowners were notified of the cancelation of their collective fire insu...

 TGMA (our HOA board) has enrolled in the MOTUS EARTHQUAKE INSURANCE PROGRAM. This voluntary program gives the opportunity to OPT-IN to a new type of earthquake insurance (EQI) for condo owners.  Again, the program is not mandatory. Look for details coming via an e-mail blast. ▶ Go to https://app.motusins.com and use the code “TGV883” ▶ SEE EMAIL FOR INSTRUCTIONS

The TGMA Board unanimously (5-0 vote) approves a $1,250 annual expenditure that allows the rollout of Cobblestone community webinars by MOTUS Insurance, Inc., to educate condo (only) homeowners about the voluntary (opt-in or out) offerings for earthquake insurance. Webinar (online) meetings are coming to explain this program, which is entirely voluntary and will not raise HOA fees.  By the way, at the same meeting, the TGMA Board also approved the 2021-22 budget with no dues increases. ▶ Most of the “Frequently Asked Questions” about MOTUS are answered on their website at this page ▶ FAQ   ▶ SEARCH this topic and related issues at ▶  

Next to happen regarding an official action to allow Cobblestone homeowners to participate in upcoming webinars (online meetings) to learn about the MOTUS Insurance earthquake coverage options is consideration by the TGMA Board to accept the motion of the Cobblestone Canyon Disaster Recovery Committee. This happens on Feb. 2, per the agenda above.

COBBLESTONE CANYON ★ https://trilopedia.blogspot.com ★ * TRILOPEDIA ® is designed, in a way, after the popular site WIKIPEDIA, but dedicated to education and information about a specific community, Trilogy Glen Ivy (TGI) and Cobblestone Canyon, the condominium section within TGI.  Trilogy Glen Ivy is a 1317-unit homeowner association (HOA) in the Temescal Valley of Southern California 92883.  This archive is a site created by and for members of the Cobblestone Disaster Recovery Committee who are introduced in the content below. The site is maintained by the this group separate from the TGMA Board and management, but the group was and is chartered by TGMA. Cobblestone Canyon (CID) is a condominium community, subdivision of Trilogy Glen Ivy (TGI), a homeowner association (HOA) in the Temescal Valley of Southern California. Cobblestone is one of six neighborhoods within TGI, aka the TGMA, or Trilogy GlenIvy Maintenance Association. The community is off of Interstate 15 abou...

What is disaster recovery ?   Why do governments treat HOAs as commercial entities rather than residential? Given that reality, are all other types insurance quotes for HOAs treated accordingly? Does a commercial-rate policy cost less than residential? For disaster recovery today or in the future, what are the options to pay recovery costs? ▶ Fire insurance is already provided to Cobblestone Canyon by the HOA and the premium is paid out of condo dues.  But flood insurance and earthquake insurance is not now provided. If steps to disaster recovery are required, current reserve funds would barely provide a downpayment to cover those costs, at least the costs of a major disaster, so Cobblestone homeowners could expect emergency assessments. Fire insurance with regard to earthquakes would only apply if a fire is prompted by an earthquake. Regarding an emergency assessment, loss assessment coverage may mitigate all or some of the emergency assessment which, like earthquakes, is t...

  Will a major quake in the Temescal Valley create long delays in the arrival of assistance and recovery? May condo owners simply clear and clean their lots? What about the upstairs/downstairs choices? For future disaster (if such happens) how will TGMA manage trebuilding, repair, or reconstruction?  ▶ This question prompted the research and retention by TGMA of the former HARBRO Emergency Services & Restoration, recently merged with a company known as BluSky that provides commercial, industrial, governmental, residential, and multifamily restoration, renovation, environmental, and roofing services across the United States and Puerto Rico. With an emphasis on large projects, BluSky does not build things; but restores and rebuilds them. BluSky engaged employees bring experience and teamwork to anyone who owns or manages property, provides property insurance, or manages property insurance claims. Essentially, the first step by management after a disaster in the community is...

  Is the “PHASES” designation of Cobblestone a method to limit risk to individual owners? For disaster recovery alone, are “PHASES” a plus or minus? Should Cobblestone vote to eliminate the “PHASES”?   The ‘phases’ designation of the condos  ▶ TGMA legal counsel informed TGMA and the Cobblestone Disaster Recovery Committee that the designation of the FIVE (5) PHASES is still in force because these had not been merged or eliminated by the developer, Shea Homes, when Cobblestone Canyon was completed and control passed to the homeowners association, TGMA. This merger of the Cobblestone Phases still is not done today, as of the writing and distribution of this document. In other words, these FIVE (5) PHASES will dictate how and when recovery management will occur. The “phases” designation of the condos AS AN EXAMPLE, if any damage (no matter how major) occurs to the common interest (exterior areas) of one or more units in PHASE 21 (approximately 42 units in each PHASE), then...

NORTHRIDGE STORY   How has the threat of a large, Northridge-type quake made Californians more favorable to EQI? What percentage of CA condo owners have EQI? What percentage of CA HOA owners have EQI? Does the date  January 17, 1994 still ring a bell today, why? ▶ This question prompted the research and retention by TGMA of the former HARBRO Emergency Services & Restoration, recently merged with a company known as BluSky that provides commercial, industrial, governmental, residential, and multifamily restoration, renovation, environmental, and roofing services across the United States and Puerto Rico. With an emphasis on large projects, BluSky does not build things; but restores and rebuilds them. BluSky engaged employees bring experience and teamwork to anyone who owns or manages property, provides property insurance, or manages property insurance claims. There are no guarantees of safety during earthquakes, but properly constructed and strengthened homes are far less ...

  Some Questions   Is it true: Only one CA EQI product treats HOAs as commercial entities? Will other companies follow this lead? What is the advantage of this for HOAs? What about the MOTUS EQI offerings? ▶ After seeing the trouble that California condo associations and owners faced, Motus Insurance Services brought together a team of the state’s most respected earthquake insurers and condo insurance specialists to create the Motus Opt-in Master Earthquake Program. This new direct-to-consumer earthquake insurance program allows all condo owners to fully protect their homes from earthquake damage while taking advantage of the same great rates available for master earthquake insurance policies. Motus is able to bring this solution to consumers because it worked with the California Department of Insurance to remove the barriers that prevented individual owners from buying into the same insurance coverage available to homeowners’ associations, which offers far more comprehe...