By Jan Bergemann

Published June 28, 2019


I read this weekís blogs and the comments posted by our readers. I have to say: How good is an insurance policy if you donít want to use it?


Yes, I understand the argument regarding a possible premium increase or even a non-renewal of the policy, but where is the limit a board should set to decide when to file a claim?


Remember, most often nobody knows how big the damage will be. I have seen for example lawsuits about record requests that ended not favorable for the association and created legal fees of more than $30,000.00. And the list goes on!


Remember, any insurance policy requires the insured to file a claim in a timely manner. If the dead-line for filing a claim is past, the insurance company has the right to deny the claim.


No association board should ever gamble with the financial welfare of its members.

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Jan Bergemann Jan Bergemann is president of Cyber Citizens For Justice, Florida 's largest state-wide property owners' advocacy group. CCFJ works on legislation to help owners living in community  

associations. He moved to Florida in 1995 - hoping to retire. He moved into a HOA, where the developer cheated the homeowners and used the association dues for his own purposes. End of retirement!


CCFJ was born in the year 2000, when some owners met in Tallahassee - finding out that power is only in numbers. Bergemann was a member of Governor Jeb Bush's HOA Task force in 2003/2004.


The organization has two websites to inform interested Florida homeowners and condo owners:

News Website:

Educational Website:

We think that only owners can really represent owners, since all service providers surely have a different interest! We are trying to create owner-friendly laws, but the best laws are useless without enforcement. And enforcement is totally lacking in Florida !

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