Monthly Matters
Posted on February 27, 2023 6:00 AM by Sandi Frenzke
Confusing?  Yes!   Complex?  Yes!   Necessary?   Answer:  Absolutely!!!
 
Because insurance can be confusing and complex, this Monthly Matters article has been designed to simplify both Arbor Grove Homeowner Association’s and your insurance coverage responsibilities.
 
Anyone reading this article should know that once you purchase a home in Arbor Grove, a planned unit development, the Arbor Grove Declaration Of Covenants, Conditions, Easements, And Restrictions voted in by you, the homeowner, is the guide to insurance requirements for both the HOA and the Homeowner.  Arbor Grove’s and the homeowner’s insurance policies work together to ensure your investment is fully covered.
 
First, let’s address the coverage Arbor Grove is required to have (Article XV,15.1: Commercial Property Insurance if you are so inclined to look for yourself) as follows:
 
  • Commercial Property Insurance – a policy that covers AG’s common property such as buildings from drywall out, shared roofs, clubhouse, swimming pool, etc.  Coverage provides replacement cost of the townhouse buildings from the drywall out to include the building’s exterior.  In layman’s terms, nothing inside your home is covered by Arbor Grove – that’s for your homeowner’s insurance policy to cover!
  • General Liability Insurance – This coverage protects Arbor Grove in the rare instance of someone filing a claim, including bodily injury, property damage, personal injury, and others that can arise from our operations.
  • Directors & Officers Insurance – This insurance policy protects the board members in the event there is ever an accusation or lawsuit from a homeowner.
  • Fidelity Bond – protects against theft or embezzlement by employees, directors, management personnel, or others who might have access to our funds. Not one of us can imagine ever needing this coverage, but alas, it is required, and the Board is going to fulfill its obligations.
Last but not least, we focus on you and your homeowner’s insurance policy. (Again, for those so inclined, please refer to Article XV, 15.2 for Personal Liability Coverage and Unit Owner Insurance Responsibility.  This section of our Declarations and Covenants requires all of us to hold the following coverage:
 
Personal Liability coverage in a minimum of $500,000 - this coverage protects you from paying out of pocket if you (or another member of your household) are held legally responsible for injury or property damage to a third party.  Of course, you, the homeowner, can purchase more than $500,000 of liability coverage. Many do. 
 
Before we go any further in this article, I cannot stress enough the importance of meeting with your insurance agent and sharing the Declarations and Covenants with him/her to make sure you have proper coverage.  Hopefully, you will never need them, but as we have all watched from afar the unfortunate events at the 707 building, the unimaginable sometimes becomes a reality.
 
Insurance coverages that are a homeowner’s responsibility as indicated in Article XV, 15.2: 
  • Building Property Insurance – in some insurance company policies, but not all, this is where coverage for cabinets, counters, trim, sinks, toilets, flooring, patios, HVAC systems (heating and air conditioning), water heater, etc. is covered. Ask your agent!
  • Personal Property – coverage for furniture, kitchen appliances, clothing, electronics, and other removable property items. While typically not the case, with some insurance companies, this may include coverage for cabinets, counters, A/C unit, furnace, water heaters, sinks, toilets, showers, flooring, trim, etc. Again – ask your agent!
  • Medical – provides for medical payments designed to reimburse your guest for medical expenses they incurred while in your unit, whether or not you are at fault.  
  • Loss of Use – helps pay for you to live elsewhere while your home is being repaired after a covered loss.
  • Loss Assessment – Homeowners of units may be liable for their share of the costs for repairs or large insurance deductibles on the HOA’s master policy.  Building deductibles can be high and could be in the thousands of dollars per building. When a deductible becomes payable in a claim, the amount might be divided among all of us as unit owners, who benefit from everything being repaired properly.  Speak with your agent about Loss Assessment coverage.
Declaration Sheet:
Upon home insurance policy renewal, the insurance company provides a new Declaration sheet listing each category and the specific dollar amount of coverage.  Again, we recommend that you review your annual declaration sheet with your insurance agent to ensure the dollar limits provide you ample coverage to protect your investment here at Arbor Grove.  Remember, as an owner in Arbor Grove, you are responsible to replace everything in a unit from the drywall in should an incident occur damaging the interior of your unit.
 
To assure the HOA’s master policy and the Homeowner’s policy work together, you, as the homeowner, are required per the covenants to list the HOA as an “Additional Insured” on your homeowner’s policy. Being listed as Additional Insured not only makes sure the Association receives a copy of your annual declarations page, but it also assures the Board that in the event of a claim, all parties are considered and protected by our policies. The Additional Insured should be: Arbor Grove Homeowners Association, 709 Arbor Parkway, Bourbonnais, IL 60914.
 
Not to sound like a broken record, but insurance can get confusing for many, so for the final time in this article, please speak with your insurance agent once a year and share Articles 15.1 and 15.2 regarding the insurance coverages both Arbor Grove and you are required to have.
 
God willing, you will never need it!   Stay Safe!
Posted on January 30, 2023 6:00 AM by Mark Argyelan and Jean Henley
Let’s start this month’s Monthly Matters with a little humor…..
 
When an attorney gets married, they don’t say “I do” – They say, “I accept the terms & conditions.”
 
While funny, the same can be said for anyone purchasing their home in any PUD or Condominium Association.  Yes, when you signed on the dotted line at closing, you agreed to the terms & conditions of the Association.
 
While the general by-laws, declaration of covenants, and guidelines were set at the time Arbor Grove was originally established, the first-ever Board of Directors established the Arbor Grove Rules Committee.
 
The purpose of the committee is to periodically review the declarations, covenants, guidelines, etc. The Rules Committee then makes recommendations to the Board and ensures they are kept up-to-date, all for the end result of assuring residents our community will remain attractive, well-maintained, having continuity in appearance, and continue as a harmonious place to live.
 
Only the Board has the authority to accept or reject committee recommendations for “guidelines.” Any change to “covenants” and/or “bylaws” must receive approval from 67% of Arbor Grove homeowners (referred to as “the membership”). Of course, Illinois State law can also affect the need for changes.  Please know, all changes are sent to our attorney to ensure we are in full compliance with the law.
 
Nine Arbor Grove homeowners serve on the Rules Committee.  They all take this responsibility seriously and have spent countless hours reviewing documents and discussing potential recommendations for change.  Your neighbors who serve are:
  Mark Argyelan and Jean Henley, Co-chairs
  Marlo Beeman
  Karen Denoyer
  Marlene Ganci
  Debbie Helgeson
  Donna Miller
  Lois Ware
When you run into any of these fine people, please be sure to extend a “thank you” their way.
 
All the documents relating to rules, regulations, by-laws, covenants, etc., are available on this website under the “Documents” tab.
 
While all the information in these documents is essential, the committee recommends you pay particular attention to the following:
  Article VIII – Meetings and finance
  Article XI    - Resale of units 
  Article XV   - Insurance
 
And all three pages of the “Community Guidelines” and “Use of Amenities.”
 
Finally, the rules committee was not put in place to police violations but to recommend sensible suggestions to make our Arbor Grove community the most enjoyable place to live in the county. Anyone with a suggestion for change, don’t hesitate to reach out to any committee member.
 
This article began with a little humor to bring a smile upon your face.  
 
In closing, our current By-laws and Declaration of Covenants, Conditions, Easements, and Restrictions, last updated in 2022, are good for the next 39 years.  Yes, 39 years!  In the meantime, who knows what might change. If anything does change, the Rules Committee and Board will be sure you are aware. 
Posted on December 26, 2022 6:00 AM by Steve Husak
There are Association Dues? Why?
 
For a good portion of our neighbors, moving to Arbor Grove was their very first experience being a member of a PUD (Planned Unit Development) and the first time they belonged to a "Homeowners' Association.
 
There are lots of other reasons people pay monthly dues. Maybe you belong to a Health Club, a Social Club, Country Club, or Political Association. Well, being a member of Arbor Grove requires everyone to pay dues. This isn't a choice – it's a necessity – and well worth the investment! 
 
The monthly dues (assessments) we make every month are held in an account. By participating in our community Board elections, you have given Arbor Grove Board of Directors the funds to utilize for various reasons – all of which enhance your way of life and help maintain the value of your home. In addition, you have given our elected Board of Directors the following responsibilities:
 
 a.     Own and manage for recreational use a clubhouse, certain areas of green space, and other related property, including all Common Areas, Common Facilities, and areas of common responsibility. Think lawn care and landscaping, snow removal, clubhouse and pool maintenance, drainage and pond, and maintenance of every one of our ninety-two units.
b.     Collect periodic homeowners' association assessments. Think monthly dues and, if ever needed, a special assessment.
c.      Pay expenses in connection with the Association Property. They are responsible for a nine-acre footprint of property and buildings.
d.     Maintain insurance on such Association Property. We, unfortunately, now know just how crucial good coverage of the association and our neighbors is.
e.     Enforce the terms of the Declaration filed in the Kankakee County Recorder's Office and any reasonable rules and regulations adopted by the Board. This area occasionally requires attorney fees to ensure we are well within State and Federal Laws.
 f.     Perform other and further acts that are necessary and appropriate to accomplish the foregoing purposes.
 
Having the above responsibilities, the Board of Directors sets the monthly dues (assessment) amount based on an adopted budget approved at the annual meeting.  To see how the Board allocates your dues, please see this year's and previous years' budgets in the Finance Committee or Documents sections on the Arbor Grove website.
 
Beginning January 1, 2023, our dues will increase to $250 monthly. Considering the amenities we enjoy, the excellent maintenance of our facilities and landscapes, and the necessity to grow reserves for the future, this dues increase is extremely competitive, necessary, and reasonable.  
 
Sure hope you agree how fortunate we are here at Arbor Grove to have Our board members and incredible host of volunteers devoting their time and talent to assure the management of our community, without whom our dues would undoubtedly be considerably higher.  
 
For more information, please see Article ll, pages 40 and following, "Declarations, Covenants, and Bylaws.
Posted on November 28, 2022 6:00 AM by Admin
A Neighborhood Is Much More Than Having a House Next Door!
Thanks, Social Committee!
 
When someone has a good idea and runs with it, wow, what can be accomplished.
 
That good idea, the creation of Arbor Grove Social Committee, stems from the team of Judy Oosterhoff and Judy Balthazor, our very first Social Committee Co-Chairs.
 
According to Judy O, the inaugural Social Committee “Was FABULOUS.”  The initial group of members agreed that the top priority was to survey every Arbor Grove resident to find out what concerns they had and what activities they might enjoy. Remember, Arbor Grove is about the lifestyle!
 
The original surveys had somewhat surprising results.  The first concern was Fire Safety, Medical Safety, and Personal Safety. Hearing those concerns, Judy O met with BFPD Fire Chief. Chief St. Louis came to Arbor grove and made an informational presentation to a standing-only crowded clubhouse. Chief presented information on fires, fire safety, smoke alarms, and the ‘Knox Box’ Program. That’s when they developed a schedule for the fire department to make rounds in the Fall to those folks wanting batteries changed in their smoke alarms and annual dryer vent cleaning. Folks started signing up for the Knox Box program as well as the File of Life program.  Over 60 magnetic documentation files were distributed. More are still available in the Clubhouse! Thankfully, Linda Klette continues to organize these activities.
 
The next top category was a ‘Welcoming’ Sub-Committee to welcome new residents moving to Arbor Grove. New neighbors benefited not only from a friendly face but a great packet of information about Arbor Grove as well as our local government, educational, library, and park districts. This sub-committee is still in place today and, as many now know, an extremely important component in enhancing the quality of life in our neighborhood.
 
Now, to the more social aspects (The fun, yes, the fun!).  Initially, the regular Social Committee activities involved the monthly Movie Night, Friday Night Happy Hours, Golf Outing, Garden/Patio Walking tour, and a Christmas Get-together (Now our Annual Tree-Trimming Party/Happy Hour and Secret Santa.
 
As we now know – Arbor Grove Social Committee, now led by Judy Balthazor and Karen Denoyer, took the reins and marched forward, creating an incredible array of fun activities.  Judy, Karen, and the Committee Members are creative, full of fun ideas, and open to suggestions for new events for all to enjoy.
 
What many may not know is that this very important committee costs the homeowner’s association, not one penny!  Neighbors who choose to attend events and take part make donations to support the committee in creating opportunities for events and enhancing the fun!
 
Just think, this committee has added a spectacular array of events in a few short years.  We think you’ll be impressed and have fond memories of good times as you review the list below.  Oh, and don’t forget, there are pictures of many of these events on the website.  Look at the fun!
          
Large Events:             Kentucky Derby
                                 Summer Poolside Brunch
                                 Mocktails and Cocktails (New!)
                                 Patriotic Day
                                 Chili Cook-off
                                 Octoberfest
                                 Italian Night
                                 Wine Tasting
                                 Ladies of Arbor Grove Craft Fair
                                 Christmas Tree Decorating/Secret Santa
 
Pop-Ups                     Bingo with Bernie
                                 Trivia with Jean Henley
                                 Euchre
                                 Bean Bags
                                 Garden Walk
                                 Movie Night
                                 Canasta
                                 Book Club (typically the last Thursday of the month)
 
Weekly                       Monday Mahjong
                                 Tuesday Coffee
                                 Wednesday Lunch (rotating at local restaurants)
                                 Thursday Game Night
                                 Thursday Men’s Breakfast (Summer months at local restaurants)
 
WHEW!  There’s always something going on in Arbor Grove.  Thanks to everyone involved in the Social Committee – You make our little world in the Grove a better place to live.
 
 
Social Committee Members
 
Judy Balthazor Co-Chair
Karen Denoyer Co-Chair
Rosemary Wieliczko, Board Liaison
 
Cathy Allers
Eileen Boudreau
Mary Donovan
Jean Fons
Linda Klette
 
Elaine Luedtke
Dominick Randazzo
Jan Krizik-Schmidt
Donna Scott
Vicki Stevenson
Judy Wesolowski
 
Now, let’s get social with the social committee.
Posted on November 15, 2022 1:15 AM by Admin
Monthly Matters will feature articles published the last week of the month to inform and educate residents on the Covenants, By-Laws, Guidelines, and Use of Amenities, as well as highlight our volunteers and committees who serve to enhance the lifestyle of our community. Come back to learn more about the wonderful place you call home.
 
November's article will feature our amazing Social Committee!
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