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WINTER 2020

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Navigating Generational IssuesIn Your Community

Wednesday, January 13, 2021

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WORKING FROM HOME ERGONOMICS

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CONTENT

MESSAGE FROM OUTGOING PRESIDENTBy Chris Jones, Partner with Hellmuth & Johnson

5

I N D E X O F A D V E R T I S E R S

ACI Asphalt & Concrete, Inc. ................................ 21

Advanced Irrigation Inc. ....................................... 13

Advantage Construction Inc. .................................2

All Ways Drains, Ltd. .............................................27

Alliance Association Bank ................................... 20

Allied Blacktop Company ...................................... 11

Allstar Construction Maintenance ...................... 16

American Family - Jeff rey Mayhew Agency .... 39

Associa Minnesota .................................................. 21

Assured Security ..................................................... 17

Bartlett Tree Experts .............................................. 12

Capital Construction, LLC ..................................40

Casey, Menden, Faust & Nelson, P.A. ................. 21

CertaPro Painters - Twin Cities East ...................9

CIT ......................................................................................27

Clean Response ........................................................ 11

FirstService Residential ...................................... 24

Gassen Company .................................................... 12

Gates General Contractors, Inc. .......................... 21

Gavnat and Associates .......................................... 13

Go Get Fred, LLC .................................................... 10

Greenstein Sellers PLLC ........................................ 13

Hellmuth & Johnson ...............................................37

Hoff man Weber Construction .............................. 21

Lindstrom Restoration ...........................................25

Minnesota Roadways ....................................................13

New Concepts Management Group ....................... 20

Parkway Custom Construction, LLC .........................12

Paul Davis Restoration .......................................... 39

Premier Roofi ng Company .....................................6

Roell Painting Company ....................................... 39

Sela Roofi ng & Remodeling ................................28

SERVPRO of Minnetonka ...................................... 13

Smith Jadin Johnson, PLLC .................................. 19

Stone Valley Painting .............................................27

TruSeal America, LLC ............................................ 17

Wintrust Community Advantage ....................... 17

7MESSAGE FROM INCOMING PRESIDENTBy Josh Reams of Compass Management Group

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WHAT IS LAC?By Kristi Hoff man of Gassen Company

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A TIME TO CELEBRATE By Chuck Krumrie, Owner of Urbanwood, Inc.

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WINTER: THE PERFECT TIME TO UP-DATE OLD GOVERNING DOCUMENTSBy Aaron Osowski of Sharper Management

GALA & VISION AWARDS RECAPBy Tim Broms, Executive Director of CAI-MN

29

CAN DO’S & CAN DON’TSBy Cody Gorsuch of Omega Property Management26

WORKING FROM HOME ERGONOMICSBy Grant Herschberger of Marsh & McLennan Agency

© pixabay.com

CAI 2021 PARTNER PROGRAMBy Tim Broms, Executive Director of CAI-MN

18 COMMUNITY ASSOCIATION LENDINGBy Diane White of Alliance Association Bank

MINNESOTA COMMUNITY LIVING 4

2020 ANNUAL PARTNERS

TITANIUMCapital Construction, LLC

RHODIUMAdvantage Construction Inc.

PLATINUMFirstService ResidentialGo Get FRED, LLCPremier Roofi ng Company

Sela Roofi ng & Remodeling

GOLDAlliance Association BankCertaPro Painters - Twin Cities EastCITGreenstein Sellers PLLCHellmuth & JohnsonNew Concepts Management GroupParkway Custom Construction, LLCRoell Painting CompanySmith Jadin Johnson, PLLC

TruSeal America, LLC

SILVERAmerican Family Insurance - Jeff rey Mayhew Agency, Inc.Assured SecurityBartlett Tree ExpertsHoff man Weber ConstructionPaul Davis Restoration

Wintrust Community Advantage

BRONZEACI Asphalt & Concrete Inc.Advanced Irrigation Inc.All Ways DrainsAllied Blacktop CompanyAllstar ConstructionAssocia MinnesotaCasey, Menden, Faust & Nelson, P.A.Clean ResponseGassen CompanyGates General Contractors, Inc.Gavnat and AssociatesLindstrom RestorationMinnesota RoadwaysSERVPRO of MinnetonkaStone Valley Painting, LLC

COMMITTEE CHAIRS

EditorialChuck [email protected]

EducationChristine [email protected]

Expo & Trade ShowMelissa [email protected]

Gala and Vision AwardsNatalie [email protected]

Golf TournamentGreg [email protected]

Legislative Action (LAC)Kristi Hoff mankhoff [email protected]

MembershipAmanda [email protected]

SocialMikalyn Kieff ermkieff er@sjjlawfi rm.com

EXECUTIVE DIRECTORTim [email protected]

BOARD OF DIRECTORS

PresidentJosh ReamsCompass Management Group Inc.Phone 612.888.4703

TreasurerShaun ZavadskyFirstService ResidentialPhone 952.277.2786

SecretaryAnthony SmithSmith Jadin Johnson, PLLCPhone 952.236.1971

Past PresidentChristopher R. JonesHellmuth & JohnsonPhone 952.941.4005

DIRECTORS

Kris Birch Birch Inc.Phone 651.481.9180

Joe Crawford, CMCA, AMS, PCAM Crawford ManagementPhone 952.236.9006

Stacy SheridanFirstService ResidentialPhone 952.853.1481

EVENT CALENDAR

January 13, 2021 Navigating GenerationalIssues In Your Community

February 3, 2021Tree Care & Landscaping

April 7, 2021Building Envelope

May 21, 2021Expo & Trade Show

REGISTER FOR EVENTS ONLINE AT WWW.CAI-MN.COM

WINTER 2020 5 5

I want to express my sincere grat-itude for being able to serve as the President of CAI Minnesota for the last year. I think we can all agree that 2020 has been a year like no other with the ongoing pandemic and civil unrest that occurred.

Despite the challenges, the Chapter and its members didn’t simply sit by without a fight or wait for things to get better. Along with the many volunteers, the Board of Directors and Executive Director Tim Broms pushed the Chapter forward and em-braced a “new normal” to continue providing the resources we all value by being a part of CAI Minnesota.

Following are highlights from 2020:

• Perhaps most notable was our abil-ity to “pivot” to the virtual world that we are all now living. Com-mittee chairs and volunteers didn’t hesitate to change the way things needed to operate. Through it all, these volunteers (and CED Tim Broms) showed their creativity.

• Membership remains stable despite all of the upheaval in the com-munity and the industry itself. In fact, our Chapter experienced a net INCREASE in membership of 4% this year, while the national average saw a net decrease of over 5%.

• CAI-MN was the first chapter in the country to successfully under-take a golf event, which we did in June 2020. With the efforts of Tim Broms and the Golf Committee spearheading that event, it turned out to be a welcome respite in a time of uncertainty. Kudos to everyone involved in orchestrating that awesome event.

• In the spirit of making lemonade out of lemons, the Chapter also held a “CAI at the Fair” event in September. This was a fun and light opportunity to interact outdoors.

• There were also a number of educa-tional events, clearly indicating that the Chapter and its members were unwilling to let COVID define them. The last few educational programs were “hybrid” events with an in-person element as well as a virtual element – another example of adapting to the circumstances.

• Lastly, the Gala and Vision Awards Committee (along with significant efforts of Tim Broms) pulled off another unique event. The curbside Gala event and the virtual Vision Awards are certainly something to be proud of given the times.

Many are ready to forget 2020 but in looking back, the Chapter continued to provide the education, resources and networking that we have all valued over the years. Thank you to each and every volunteer and each and every Board Member that I served with over the past year for all of their efforts in providing a guiding light through this most challenging year.

I also want to thank Tim Broms for his guidance, input and remarkable effort in undertaking and facing the challenges of 2020. Because of Tim, 2020 will be looked upon as a chal-lenging yet rewarding year and one I can say would have been much more difficult without his steady hand.

Looking forward to 2021, I am eager to see how things may be (will be!) different as we potentially see a light at the end of the pandemic tunnel. I look forward to incoming President Josh Reams leading the Chapter into the New Year. His insight and efforts while serving as the Board’s Vice President were invaluable and I have full faith that Josh will do an excellent job in leading the Chapter and Board of Directors through the year ahead.

Finally, thanks to all of the mem-bers of CAI Minnesota, as without you, the Chapter would not exist. Each and every member, whether by volunteering, attending events or utilizing resources, has a direct role in the Chapter. Without you, none of the successes and highlights would be possible. Thank you again for the op-portunity to be of service over the last year and I look forward to continuing as Past President in the coming year.

CHRIS JONESPartner

Hellmuth & Johnson

MESSAGE FROM OUTGOING PRESIDENT

MINNESOTA COMMUNITY LIVING | VOLUME 48Published by Community Associations Institute — Minnesota Chapter, copyright 2020. All articles and paid advertising represent the opinions of authors and advertisers and not necessarily the opinion of either Minnesota Community Living or CAI–Minnesota Chapter. The information contained within should not be construed as a recommendation for any course of action regarding fi nancial, legal, accounting, or other professional services by the CAI–Minnesota Chapter, or by Minnesota Community Living, or its authors. Articles, letters to the editor, and advertising may be sent to the chapter at [email protected] or at CAI–MN Chapter, P.O. Box 390181, Edina, MN 55439. Please call the CAI-MN local offi ce at 612.504.0567 with advertising or sponsorship related questions.

WINTER 2020 7

As we approach the Holiday Season and the end of the year, it’s natural to get nostalgic and reflect. Do we really want to, though? I mean, every Face-book meme I’ve seen says 2020 is to be forgotten. Like the one where Doc Brown tells Marty McFly “whatever you do….don’t set it to 2020!”

It’s almost as if M Night Shyamalan directed 2020. The year started with a shake up in the Royal Family and Prince Harry and Megan Markle quit. Who knew you could just quit such a thing? In late January we were re-minded superheroes are mere mortals when cultural icon and star basketball player Kobe Bryant was taken too soon. Early spring brought a tumul-tuous, Valley Fair-like ride at the stock exchange. Summer finally came around, but then we were warned of “Murder Hornets.” Really?

The thin fabric veiling this country’s past exposed our society’s deep roots of systemic racism in just 8 minutes. Looting of communities, a city left in ashes, and important, thought provoking conversations quickly followed. This fall we endured anoth-er political campaign season which always seems more divisive and polarizing than constructive. At least it provides for good SNL content. And I feel like I’m forgetting some-thing else that happened this year. What was it?... Hmm... Oh, yeah! COVID-19.

I’m not even going to dip my toe in the bottomless pool of ways that the Coronavirus changed every facet of life as we know it. So why highlight these lowly events of 2020? Because I am incredibly proud of how we, in the midst of it all as a small orga-nization of CAI-MN, continued to evolve, adapt, and find ways to fulfill our purpose and serve our members. A tiny light in a rather dark year.

Despite working from home, social distancing guidelines, economic shutdowns, etc. – we can look back and say we were able to offer a full

calendar of events. Although they looked different and felt different, we were able to hold our annual Expo, a handful of education sessions, the Law Seminar, various social events, even our annual golf tournament, and prior to reading this we will have held our Annual Meeting/Vision Awards/Gala event. I don’t know about you – but for me it was a welcomed break to spend time with friends and col-leagues through these offerings.

I want to especially thank Tim Broms, our Executive Director, for continuously pushing us forward and finding creative ways to serve our members and business partners. Many CAI Chapters have struggled mightily this year. We have been for-tunate. I would also like to acknowl-edge and sincerely thank our Pres-ident, Chris Jones, for his steadfast leadership in this unprecedented year. While we may not have been able to accomplish some intended goals, his collaborative, careful, and calculated decision-making process allowed us to continuously move forward. As a Chapter, we end 2020 in a fantas-tic financial position, we continued growth in members and business partners, and, once again, provided all of our scheduled programming.

As we turn our attention to 2021, our primary goals remain the same. To serve as a resource body for all things related to community associations. To provide quality education program-ming. To provide events designed to support industry professionals

and foster networking opportunities between business partners, communi-ty managers and homeowner leaders. And to provide input and influence to our legislative bodies with issues affecting community associations.

In January our Board of Directors will come together to map out our strategic goals and vision for 2021. We are fortunate to have a Board made up of incredibly smart individu-als, coming from various professional backgrounds and providing unique skills and expertise, and each fully committed to making CAI the best organization it can be. All of our committees have begun their work in planning for programming. We are also fortunate to have so many people willing to volunteer their time and talents. We have a fantastic schedule lined up for 2021!

As we reflect and take the mask off of the year that was 2020, we have all learned valuable lessons. Personally. Professionally. And everything in between. We’ve learned how adaptive we can be. How steadfast our resolve can be. How we can conduct busi-ness in new and different ways. How we can operate as a society based on kindness and gratitude. The complex and global lessons of 2020 will serve us well in 2021. And we look forward to how CAI-MN can enhance what-ever your role may be in our small world of community associations.

May you have a wonderful Holiday Season and a safe and healthy 2021!

JOSH REAMSDirector of Community Management

Compass Management Group

MESSAGE FROM INCOMING PRESIDENT

Ah, the holiday season is upon us. I long ago noticed that once Halloween hits, it’s a straight slide through Thanksgiving to New

Year’s Day. One major holiday every thirty days. However, if you examine the calendar closely, you’ll find a holiday in every month – with the exception of August. Then again, there are those of us who consider the State Fair a holiday.

Tis time to deck our homes with lights and decora-tions. Doubtless your association has a window for such. Often it is Thanksgiving through some date in early January. The holiday season exists for but a brief period in time. So, Christmas lights still on around Valentine’s Day start to look a little creepy. Whichever holiday you celebrate around the Winter Solstice, be it Kwanzaa, Hanukkah, Christmas or even Festivus, the watchwords for outdoor decora-tions are caution and consideration. If you plan a grand display, it’s always good form to inquire of the Board prior to assembly.

CAUTION – Lights, figurines and such are powered by electricity. Snow is frozen water. Need more be


said? I spoke with an electrician years ago about why my set of Holy Family figurines kept popping my GFI (Ground Fault Circuit Interrupter – a sort of miniature circuit breaker). “Well,” he said “electrical current is known to generate heat which turns the snow to water and water is known to conduct elec-tricity.” I think I should have been able to figure this out for myself, but the lesson was well learned.

When powering outdoor lighting, use heavy duty cords – those with a ground prong (i.e. three prongs) meant for outdoor use. If their external insulation is frayed or otherwise compromised, their next stop is the garbage can. (The same is true for light strings. Please don’t save yourself a dollar or two by using a defective string. Menards or Home Depot will gladly sell you another one.) Make sure the outlet(s) into which they are plugged are free of obstruction and in a dry location.

It is also good safety to have outlets which are GFI protected. If your GFI keeps popping as mine did, there is a reason for that, so please investigate. Most light strings are of the two-prong variety, so you’ll

BY CHUCK KRUMRIE

THANK YOU TO OUR VALUED MEMBERS AND BEST WISHES FOR 2021!

A Time to Celebrate

want a snug fit into the extension cord or outlet. If the former, you may want to wrap the connection with duct tape.

In my experience, lights, etc., are fine when it’s snow-ing but avoid powering them in the rain. Household current, unless it’s powering an oven or dryer, is generally not strong enough to give you anything but a rude reminder. Then again, I would also never en-courage you to stick a fork into an outlet. Electrical power is a marvel of the modern age but it does move at the speed of light and does not care where it goes.

CONSIDERATION – I happen to like holiday dis-plays. My wife and I make our annual pilgrimage around the cities to see what others are doing to celebrate. In a Common Interest Community, home-owners need to be more mindful of their neighbors as neighbors live a lot closer to each other. I cannot imagine that anyone would bark about a minimal display but, as noted above, it is always good form to inquire of your Board and/or neighbors if you are planning to make the definitive statement regarding holiday lighting. Chasing away the dark nights of

winter can be glorious or your neighbors might mind the glare if they’re trying to sleep. So again, please be mindful of the calendar window that your Asso-ciation stipulates for lighting and also of the hour. In my experience, dusk to 11:00pm is appropriate (may-be longer on Christmas Eve and New Year’s Eve.)

Courtesy is a two-way street. Inasmuch as holiday lighting is not a right, it is something that some peo-ple do and neighbors should be indulgent of reasona-ble displays. I once had to mediate a dispute between one homeowner who just loved to light up her deck for Christmas and her neighbor who took offense as she was of a different religious faith. Ultimately we did reach an agreement but come on, can’t we all just get along for the holidays? It’s in our best interest that we do so year ‘round but we should make an especial effort during this time of year.

Wishing you and yours the very best of the season!

Chuck Krumrie, CMCA, is Broker and Owner of Urbanwood, Inc.in Minneapolis. Since 2005, Urbanwood has serviced smaller CICs in the Twin Cities metro area.

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You may be asking what is LAC and why is it important to the Minnesota CAI community? The Minnesota Legislative Action Committee

(LAC), formed in 1993, is CAI’s official voice at the State Capitol. LAC allows us to have one voice at the Capitol on legislative issues that affect community associations, managers, management companies and CAI business partners. We are the advocates for the industry by identifying issues, monitoring upcoming legislation and determining possible law updates.

The Minnesota LAC works in conjunction with CAI National and is a committee of the Government and Public Affairs Committee. The committee works with CAI-MN’s contracted lobbyist, Patrick Hynes of Messerli Kramer. He represents our voice at the Capitol. He notifies the committee of discussions that are taking place that could be of interest to community associations or upcoming legislation that could affect community associations.

An important role of LAC is building relationships at the Capitol with legislators and lobbyist. By promot-ing strong relationships and providing education, is-sues that arise that could negatively affect community associations can be discussed, and hopefully solutions found without the need for legislative action. Rela-tionship building and providing education on associ-ation issues are two areas we view as opportunities to strengthen CAI’s position at the Capitol.

According to the CAI Fact Book, there are approxi-mately 1.5 million Minnesotans living in 7,700 com-munity associations. The number of associations in Minnesota is expected to increase and be the most

common type of housing by 2040. The importance of a strong voice for community associations at the legislative level will continue to grow.

Moving forward, LAC will have a presence in the quarterly Minnesota Community Living magazine. We will bring you the latest updates on happenings at the Capitol and provide you with an insight into possible legislation that could affect community associations or the property management industry.

You can learn more about issues facing LAC com-mittees across the U.S. by visiting the CAI website and researching their priority issues. These issues are identified by following legislation that is introduced in individual states that needs attention because of the impact on community associations. There are some concerning trends across the U.S. and CAI National is a great resource for the state LAC committees.

Minnesota’s LAC consists of volunteer CAI members. They represent law firms, management companies, community association boards and vendor partners. It is a diverse group with a common goal of promoting positive legislation for community associations. We are recruiting members to join the Minnesota LAC. If you are a CAI member and interested in joining, please feel free to contact me at [email protected].

The Minnesota LAC looks forward to building strong relationships with CAI members, legislators and groups that work in the housing industry in 2021.

Kristi Hoff man, CMCA, AMS, PCAM, is President, Association Management, with Gassen Company.

What is LAC? BY KRISTI HOFFMAN

WINTER 2020 11

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Working from Home ErgonomicsBY GRANT HERSCHBERGER

As COVID-19 has swept across the globe, and technology continues to develop and link us remotely, more and more people are

beginning to work from home. According to a study by Gartner, Inc., 88% of organizations worldwide have made it mandatory or strongly encouraged their employees to work from home after COVID-19 was declared a pandemic. Before that, 4.7 million U.S. workers were already working remotely, and be-tween 2005 and 2018, the number of remote workers has risen by 173%. As we move forward, it seems increasingly likely that many jobs will increase their remote work offerings and as a result, more people will opt to work from home permanently or a select number of days a week.

As more and more people work from home, it is im-portant to have a home office set-up that is conducive to your physical health and also prevents aches, pains, and strains as much as possible. Many people are quickly realizing that working from home full-time is far different from surfing the web on your laptop as you watch your favorite show – proper posture and office set-up is vital to preventing painful and nagging injuries.

Important Keys for the Ideal Home Workspace

Chair: Your chair should be adjusted so that your feet rest flat on the surface beneath you, with your thighs parallel to the floor and your hips all the way back in the chair. The arm rests of your choice should meet your elbows with your shoulders relaxed. You should be sitting upright, with pressure evenly distributed through the back of your thighs, and your back fully supported by the chair.

Keyboard: When your hands are on the keyboard, your wrist should have a minimal bend, and your elbow should have a 90 degree bend. For best posture, your key-board should be centered so that your nose aligns in-between the “G” and the “H” of the keyboard. Your keyboard “legs” should be down, and you should avoid resting your arms/wrists on the edge of the desk.


your head to the left, feeling a stretch down the right side of the neck and shoulder. Repeat on the other side. Perform 3 sets of 10 seconds.

• Gently look over your left shoulder to feel a stretch down the right side of the neck and shoulder. Re-peat on the other side. Perform 3 sets of 10 seconds.

• Gently look up to the ceiling and hold. Gently look down and tuck the chin to your chest, and hold. Perform 3 sets of 10 seconds.

Forearm Stretch:• Extend left arm out and turn the hand down so that

the fingers point towards the floor. Use the right hand to gently pull the fingers toward you, feeling a stretch in the forearm. Repeat on the other side. Perform 3 sets of 10 seconds.

• Bring hands together and hold. For a deeper stretch, start from the bottom and bring the bottom of the hands up towards the chest. Perform 3 sets of 10 seconds.

Thumb Tuck: • Start with your hands open facing each other, bend

the thumb down into the palm and slowly close the fingers around the thumb. With the palms (now closed) still facing each other pretend to water a plant. Do this s-l-o-w-l-y, and you should feel a stretch in the tendon along your thumb. Perform 3 sets of 10 seconds.

Finger Stretch:• With your left palm facing up toward the ceiling

pull down gently on each finger, one-at-a-time and hold. Repeat on the other side. Perform 3 sets of 10 seconds.

Wrist Rolls:• Roll each wrist in a circular motion beginning

clockwise, then counter-clockwise. Perform 10 consecutively.

Whether you work from home one day a week or seven days a week, it’s important to take care of yourself and make sure you are using proper posture, getting enough rest and activity, and taking some time to get outside, even if it’s brief walks. Working from home can have plenty of perks, so proactively avoid-ing a few of the pitfalls and strains can go a long way to improving your overall experience.

Grant Herschberger is a Business Insurance Consultant with Marsh &McLennan Agency and a member of CAI-MN’s Editorial Committee.

Computer Monitor: Your computer monitor should be positioned so that when your eyes are straight forward, they meet the upper third of the monitor. Your monitor should be placed so that it is roughly an arm’s length away from your face. If you have multiple monitors in your home, you should place them at the same height, as close together as possible, and have the monitor that you use the most centrally located.

Work From Home Stretches

In addition to proper home office setup, it is vital to your health and well-being to stand up, stretch, and move for a few minutes each hour. The following stretches can help with many of the muscles that typi-cally get fatigued while working from home.

Seated Hip Stretch:• Cross the left ankle over the right knee. Gently

lean forward until you feel a stretch in the left glute and hip. You can also press down gently on the left knee to deepen the stretch. Repeat on the other side. Perform 3 sets of 10 seconds.

Spinal Twist:• In a seated position with the feet flat on the floor,

contract the abs and gently twist the torso to the left, using your hands on the chair to deepen the stretch. Only twist as far as you comfortably can while keeping the back straight and the hips square. Repeat on the other side. Perform 3 sets of 10 sec-onds.

Torso Stretch/Bend:• In a seated or standing position, lace the fingers

together and stretch them toward the ceiling. Take a deep breath and using your abs bend over to your left side and hold. Repeat on the other side. Per-form 3 sets of 10 seconds.

Upper Back Stretch: • Extend both arms straight out and rotate the hands

so that the palms face down. Contract the abs and round the back, reaching away as you relax the head. Perform 3 sets of 10 seconds.

Chest Stretch:• Clasp both hands together behind the back, and ro-

tate the shoulders back while opening up the chest. Perform 3 sets of 10 seconds.

Neck Stretch:• Gently bring the left ear to the left shoulder tilting

WINTER 2020 15

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NAVIGATING GENERATIONAL ISSUES IN YOUR COMMUNITY

Wednesday, January 13, 2021

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REGISTER AT WWW.CAI-MN.COM

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18 MINNESOTA COMMUNITY LIVING 18

Interest rates are near historic lows due to the pandemic’s impact on the economy. As a result of the pandemic and concerns about economic

stability, most financial institutions have made a few adjustments to their traditional credit evaluation and policies. However, based on the relatively low inter-est rates, now may be a good time for community associations to obtain a loan or refinance an existing loan. The primary benefit of low rates is its stimula-tive effect on economic movement.

How Low Interest Rates Can Help Your Community

A low interest rate loan can help fund a community association’s capital improvements. HOA loans and lines of credit allow associations to fund a variety of projects and expenses - from common area improve-ments to maintenance and repairs. Many HOAs use loans or lines of credit as alternatives to a special assessment for unexpected expenses. They can even take out a loan to pay their annual insurance pre-miums upfront, if the insurance company offers a discount for paying for the year in advance.

Many associations obtain loans as an alternative to imposing a special assessment or depleting reserves. The special assessment requires homeowners to raise funds expeditiously for the planned capital project. Consequently, they must provide the funds up front. Conversely, a loan allows homeowners to plan and pay for the cost of the improvements and/or repairs in smaller assessment increases. Lump sum special assessments can be hard to fit in a homeowner’s household budget especially in these unstable times making them less likely to be able to pay causing delinquencies for the association. As a result, obtain-ing a loan will allow homeowners to budget a smaller increase to their assessment over the life of the loan, and potentially less delinquencies for the association.

Loans also help spread out the cost of common area improvements over time, and assigns the cost of those

improvements to the people who are benefitting from them the most. It also allows repairs and maintenance to be performed quickly, at today’s prices.

Saving Money

An association can save money a couple of different ways through low interest loans. The first way is by refinancing your current association loan. It is a good time to review your current association loan terms and interest rate to see if a refinance makes sense for your community. A main advantage of refinancing is reducing the interest rate. A lower interest rate can have a profound effect on monthly payments, poten-tially saving the association hundreds to thousands of dollars a year. The second way you may be able to save money is by evaluating your current annual insurance premiums. An association could take out a line of credit to pay their annual insurance premiums for those insurance policies offering a discount for paying in advance, saving an association from costly insurance financing.

Types of Association Loans

Term loans are a type of loan where the funds are taken at loan closing and the monthly payment is fixed during the life of the loan. These types of loans are typically used for capital improvement projects, deferred maintenance, acquisition of a property that will become a common area, reserve replenishment initiatives, refinancing of existing loan(s), common area improvements and construction defect repair. Term loans are fully amortized and do not have any balloon payments at maturity. Additionally, these loans terms could range anywhere from three to 15 years in length.

Non-revolving lines of credit, such as a construction line of credit, is a type of credit offering where as-sociations would be required to pay interest on the borrowed balance. These non-revolving lines of credit

Community Association LendingLow Interest Rate Benefi ts

BY DIANE WHITE

WINTER 2020 19

are typically offered at a shorter term – averaging about 12 months – and would be converted to a term loan prior to, or at, maturity.

Emergency lines of credit are commonly used for disaster relief – especially where the association’s insurance will be reimbursing the association for damage. Instead of waiting for the insurance funds to arrive, this emergency line of credit allows associa-tions to make any necessary repairs, then pay it down or pay off the loan once the claim has been paid. The borrower only pays interest while waiting for the insurance payment.

In emergency circumstances when insurance compa-nies will not be involved, the association must provide a plan to pay off the line within 12 months – either by raising assessments, collecting a special assessment or utilizing reserve funds. The line of credit cannot be used to supplement a shortfall in operating expenses.

Once the association’s ability to enter into a loan agreement is confirmed, the association needs to determine what means will be used to repay the loan. For smaller loans, an increase in regular monthly assessments may be a feasible way to make loan

payments. For larger loans, the board could adopt a special assessment allowing each owner to either pay up front or participate in the loan program. In either case, board or homeowner necessary approval(s) to implement the desired repayment structure must be considered. Moreover, the board should carefully plan and communicate the repayment options with the owners, who will rightfully want to know: (1) how much their individual repayment portions will be on a monthly basis, and (2) when the payments will begin. Subsequently, just as the board must plan the financing for the association, individuals (espe-cially those on a fixed-income) will also have to plan their own financing accordingly in order to keep up with their payments.

While a loan may not be the best solution for every sit-uation, it can provide financial relief to an association with unexpected expenses in order to get the necessary work done with the lowest burden to homeowners. If your association determines that borrowing money is the right solution for your community, now may be the time to get a great rate on a loan or refinance.

Diane White, CMCA, is a Vice President at Alliance Association Bank.

952-388-0289


1 All offers of credit are subject to credit approval. 2 Fee-free lockbox requires a checking account with Alliance Association Bank.

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The snow is falling, next year’s budget is ap-proved, and summer projects are wrapped up with new ones not set to begin until months

from now. It’s winter and the number of items on your association’s to-do list can be counted on one hand.

If your association is older or your Governing Docu-ments were drafted on a typewriter, however, winter is a perfect time to consider updating them for the 21st century.

So, what are some of the main reasons associations refresh their Governing Documents, and what are some of the benefits of doing so? I spoke with Finn Jacobsen, attorney-at-law at Smith Jadin Johnson, PLLC, about why some boards decide to modernize their documents. Jacobsen has worked with many associations to draft new Governing Documents, working hand-in-hand with boards to determine their specific needs.

Clear Up Ambiguous LanguageNewer documents can help to “clarify confusing maintenance obligations,” Jacobsen said. Oftentimes the Declaration will be vague or imprecise in outlin-ing which building components are the association’s responsibility and which are the homeowner’s. This can lead to disputes between boards and owners when, for instance, a unit’s deck is in need of repair but the documents do not clearly outline who should take care of it.

A new set of Governing Documents can not only clarify, but change maintenance obligations. Devel-oping an easy-to-interpret maintenance matrix can be part of this process, allowing current and prospective owners to skip the guesswork and uncertainty in regard to their maintenance obligations.

Add Modern Authority and PowerUpdating your association’s Governing Documents can also help your association out financially by giving it modern-day authorities such as allowing the foreclosure of units by advertisement and the ability to assess attorney’s fees back to homeowners, Jacob-sen says.

Your documents can also be updated to allow the as-sociation to bill back expenses for Common or Lim-ited Common repairs that benefit less than all units. For example, if two units have gutters which need to be replaced but the association is not replacing all of the gutters throughout the community, the board would have the authority to bill back only those units whose gutters were replaced.

This can make a huge difference financially for your association, but also gives the board an incentive to complete more comprehensive projects as part of a long-term capital project plan.

Make Governance EasierIf you volunteer on your association’s Board of Di-rectors or manage an association, you know some of the hallmark facets of Governing Documents that can make it difficult to govern and operate your commu-nity effectively.

High quorum thresholds for annual or special meet-ings are one example. If homeowners aren’t show-ing up to your annual meetings to elect new board members, or staying home when a special assessment meeting is scheduled, it can be hard to get anything done and often leads to rescheduled meetings, frus-tration, and deferred projects. Setting a reasonable and attainable quorum level will allow your associa-tion to run much more smoothly.

Winter: The Perfect Time to Update Those Dusty

Old Governing Documents

BY AARON OSOWSKI

WINTER 2020 23

Amid the ongoing COVID-19 pandemic, even hold-ing a meeting has proven to be difficult, if not impos-sible. Many associations’ Governing Documents are explicitly clear that any business must be conducted at a physical gathering of a quorum of members. With physical gatherings being irresponsible, dangerous, or even against state law, associations have been stuck between a rock and a hard place.

Updating your documents to allow for business to be conducted via virtual meetings, or even via mail, is crucial, even notwithstanding the limitations of the pandemic. Adding this language on remote meetings can bring your association into the 21st century and increase homeowner involvement in the community.

Now is the Time to ModernizeWith a recent 2020 amendment to the Minnesota Common Interest Ownership Act (MCIOA), as-sociations now have a new avenue for amending their Governing Documents through what is called “deemed consent.”

Traditionally, most associations need to get the sup-port of a supermajority of its members for amended

documents to be approved. Oftentimes, boards will find that not many owners will even respond, and the association is left in limbo.

The deemed consent amendment essentially turns any “non-responses” into affirmative votes after 60 days. Owners can still vote down the newly proposed doc-uments if enough owners respond with “no” votes, but this change is extremely helpful for associations who need to modernize their Governing Documents but lack an engaged membership.

So, if your Governing Documents are creating more hardship than harmony for your association, consid-er modernization a noble winter project to embark upon.

There might be a whole lot of uncertainty still float-ing around right now, but with careful planning and keeping long-term goals in mind, your association can weather the storm and emerge stronger on the other side of this pandemic.

Aaron Osowski is a Community Manager with Sharper Manage-ment.

Downsides of Old Governing Documents• May contain illegal language• May be confusing to read• If association is not fully part of the Minnesota Common Interest Ownership Act (MCIOA), documents may

require analysis of MCIOA applicability statute, Declaration, and comparison between the two to find operative laws

• May not contain the restrictions wanted (i.e. regarding rentals) or have modern governing power (such as allow-ing remote meetings)

PROS of Updating Governing Documents• Allows association to change and update in the way they see fit• Limits liability – if language is ambiguous, it could lead to a conflict or lawsuit with the homeowner• Can increase property values with clean, easy-to-read documents

CONS of Updating Governing Documents• Costs money• Takes time (4-6 months usually)• Can create tension and stir up controversy – especially regarding hot-button issues such as rental restrictions

Tips on Modernizing Governing Documents from Attorney Finn Jacobsen of Smith Jadin Johnson, PLLC


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The CAI-MN Annual Partner Program is intended to meet the growing needs of our industry profes-sionals and businesses. There is truly a place for

every member company in this program. From one of our valued Annual Partners: “Over the last several years, CAI has been the source of many of our most trusted industry relationships.”

Why Participate?Exposure (ex·po·sure): The state of making some-thing visible.

The program will provide you with continual expo-sure at CAI events throughout the year and enable you to reach your business goals by increasing your presence in the community association market.

The purpose of the Annual Partner Program is twofold. First, participating companies will receive tremendous exposure in their target market. This is one of the most direct forms of promotion, adver-tising, and networking available to companies in the community association industry.

Second, the financial contributions of participating companies serve as a large part of the Chapter’s oper-ating capital and demonstrate a high level of support for CAI-MN and the community association industry.

Partner Benefi tsChapter Partners receive an unparalleled list of bene-fits. Many of the benefits are tangible, such as adver-tising in each of our quarterly publications, Partner dollars to spend however you wish throughout the year, and special recognition as Chapter Partners for the entire year. Other benefits come in the form of increased exposure and are perception-based. Recog-nition as a Chapter Partner means that your company will be listed on signage at events, listed in printed marketing materials, and offered repeated thanks and verbal recognition throughout the year. From anoth-er one of our valued 2018 Annual Partners: “Because of our involvement with CAI, we feel better connect-ed and more informed.”

Benefi ts to CAI-MNThe Chapter receives tremendous financial support from our Chapter Partners and in turn, is better able to work for the betterment and continuous advance-ment of the community association industry. Further, the increased revenue received from Chapter Part-ners enables committees to focus on the quality of the Chapter’s educational programming, networking events, and other member services.

Call or email Tim Broms, Chapter Executive Director, for more details: 612.504.0567 or [email protected].

CAI-MN 2021 Partner ProgramCreating Exclusive Opportunities

to Build Your Business & Our IndustryBY TIM BROMS

WINTER 2020 25


One of the benefits of living in a Communi-ty Association is the structure of rules and regulations that everyone must follow. These

rules allow for preserving the aesthetics, enhanc-ing home values and increased maintenance of the property. The Board of Directors typically has the authority to create, enact and enforce “Rules & Regu-lations.” The toughest part of creating a set of “Rules and Regulations” is what is enforceable and what is un-enforceable.

What does an enforceable rule look like?

An enforceable rule is something that can easily be seen and followed up on and it also has to be within the powers given to the Board by the Declaration. If the Declaration for the Association specifically restricts certain use of the property such as Renting, Smoking and Pets as examples, then the Association typically can create rules around those provided the Declaration gives them the authority to do so; in addition to them being able to create rules regarding architectural standards, common areas and some lim-ited common elements.

Below are some examples of rules that are enforce-able:

• Picking up waste immediately after pets

• Storing garbage and recycle receptacles in certain areas (Time restrictions for pick-up day)

• Storage requirements for recreational equipment, such as basketball hoops, balls, play equipment, etc.

• Guidelines for placement and installation of satel-lite dishes (Following FCC guidelines)

• Architectural requirements and regulations around certain aspects of the community, such as windows, storm doors, garage doors, etc.

The above list is of course a small sample of rules that are enforceable provided that the Declaration allows for the regulation of those items and the Declaration or the Bylaws provide the Board the authority to create rules. Again, the Board can only create rules and regulations for items that the Declaration allows. Many Boards and communities attempt to restrict rentals for instance. Renting is a use of the prop-erty that must be restricted within the Declaration itself. Declarations may allow the Board to create rules around leasing, such as “The homeowner must provide a copy of the lease to the Association 30 days prior to the start of the lease,” but that would not give them the authority to restrict rentals outright.

What does an un-enforceable rule look like?

An un-enforceable rule is something that cannot be easily seen, tracked or followed up on. They are also rules outside the authority provided to the Board in the Declaration and Bylaws. The rules can also not violate ANY fair housing or human rights law such as The Minnesota Human Rights Act, Fair Housing Act, etc.

Below are examples of common un-enforceable rules:

• Every homeowner must replace their air filter monthly

(No reasonable way to verify or track)

• Children are not allowed to walk alone outside their home

(Violates Fair Housing laws and what could be the purpose?)

• Neighbors shall keep a reasonable level of noise at all hours

(What is reasonable? Who would define that? How can you determine where it is coming from?)

• Dogs weighing no more than 50lbs will be allowed on the property

(Who has the dog scale? What if the dog weighs 48lbs one time then 52lbs another?)

Can Do’s and Can Don’tsBY CODY GORSUCH

• Only owners between the ages of 18 and 65 may use the pool

(What is the purpose? How can this be enforced? Violates fair housing)

The other difficult part about rules enforcement is when it comes to religious decorations and lighting. The most common time people put lights up and decorate is in December and most of us know what holiday this is around. If the Association is going to allow holiday decorating and lighting for one religious holiday, they should allow it for all other religious holidays. For instance, every month there is a Wicken Holiday that a person practicing that reli-gion may want to decorate for it and put up lights but would normally be restricted because there are special rules for the December religious holidays. The best way to go about decorations and lighting is to allow it seasonally. So, for instance if the Board wants to al-low seasonal lighting through the winter months and winter, spring, summer and fall themed decorations, that would be appropriate and enforceable.

As with many items around an Association, the best answer is to look to the governing documents, ask your Property Manager and consult with an Attorney.

Cody Gorsuch, CMCA, AMS, is a Senior Property Manager with Omega Property Management.

WINTER 2020 27

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When the 2020 Gala and Social Committees first met to discuss whether or not CAI-MN should even hold this signature annual event, general consensus was: “If there

has ever been a year that people should be recognized and celebrated, this is the year.” So this creative group of volunteers got busy and reinvented our Gala - COVID-style. From curbside pickup, to a “Red Carpet Live” video, a Toys for Tots drive, Santa, door prizes, virtual introduction of the 2021 Board of Directors and announce-ment of the 2020 Vision Awards winners – this event had it all!

Kudos to Matt Hardinger of Parkway Custom Construction for pro-ducing such a great video. If you missed it, the video can be found athttps://www.cai-mn.com/general/custom.asp?page=video_library.

Thank you to all of the Gala and Social Committee members for your extraordinary efforts and special thanks to the event sponsors – we sincerely appreciate your unwavering commitment to CAI-MN.

2020 Gala & Vision Awards Sponsors:

WINTER 2020 29

GALA REGAL JUBILEE

CURBSIDE

asey, Menden, Faust & Nelson, P.A.Casey, Menden, Faust & Nelson, P.A.

PHOTOGRAPHY/VIDEOGRAPHY

TOYS FOR TOTSCOLLECTION

DESIGNING YOUR FUTURE. RESTORING YOUR PAST.

HOFFMAN WEBERHOFFMAN WEBERCONSTRUCTIONCONSTRUCTION

VISION AWARDSTROPHIES

GALAPROGRAM

BY TIM BROMS

Gala & Vision Awards Recap

WINTER 2020 31

Congratulations to New CAI DesigneesAAMC DESIGNATION

DAVID STENDALOmega Property Management

AMS DESIGNATION

ALYSON ASTLEFORD Omega Property Management

ENRIQUE BARRERA Gassen Company

CODY GORSUCH Omega Property Management

THERESA MARSH FirstService Residential

STACY SHERIDANFirstService Residential

PATRICK SIEDOW FirstService Residential

MATTHEW VITEK Sharper Management

CMCA DESIGNATION

CODEY BOLTEAssocia Minnesota

BEN CHIOCHON West Property Management

JOHN FARRISFirstService Residential

CASSAUNDRA FILZEN New Concepts Management

TRACI GANNONFirstService Residential

MIKEYA GRIFFIN

KELSEY HOLLIHANFirstService Residential

MARGARET MAHMOODFirstService Residential

DAVID SCHULTZ FirstService Residential

BRIAN SNELTJESNew Concepts Management

CHARITY SOMMERS FirstService Residential

PENNIE SOPPELANDFirstService Residential

SAMANTHA SPONSLER FirstService Residential

SUZY TYNESFirstService Residential

PCAM DESIGNATION

JESSICA HAMILTONFirstService Residential

JAMES ROSVOLD Omega Property Management

(List as of 11/12/2020)


2020 VISION AWARDS NOMINEES

WINNER

CW LOFTS ASSOCIATION100 UNITS OR MORE The CW Lofts Board of Directors are an exceptional example of a well-run, respectful and fi nancially responsible Board. They are specifi cally excellent at seeking out opportunities for sav-ing energy, becoming more sustain-able and improving building mechan-ical functions. They do so in a way which is not only intelligent and well planned but considerate of the bot-tom line and impact to their building’s future and homeowners.

Tasked with replacing the building’s chiller system, they hired a clean en-ergy consultant to seek out the best solutions for their building as well as clean energy grants.

ASSOCIATION OF THE YEARRUNNER UP

VERMILLION GROVE CONDOS100 UNITS OR MORE

The Vermillion Grove Condos Board ex-perienced many changes in 2020. With the pandemic and trying to accom-modate for safety and fulfi lling their obligations to address Association concerns, they have handled it all with grace and professionalism. The Board recently had a transition of Managers and has been very accommodating.

The Board reviewed proposals for cap-ital improvements, such as deck/patio replacements, roof replacements, and landscaping to improve curb appeal.

The Board views topics, such as home-owner struggles with paying assess-ments, with an open mind and commit-ment to do what is in the best interest of their community of 281 units all while maintaining a good-neighbor attitude.

WESTON WOODS ON ANDERSON LAKE LESS THAN 100 UNITS

The Weston Woods on Anderson Lake’s Board of Directors has always taken a hands-on approach in working with vendors, homeowners, and man-agement to ensure a high standard of living. They have never shied away from taking on projects to signifi cant-ly improve and maintain curb appeal, quality of life, and property values.

Before planning capital projects, the Board engages homeowners for their feedback, often holding meetings and surveying residents to ensure they are working on behalf of all homeowners.

By collaborating with all stakeholders, the Board sets an example of how as-sociation boards functioning at a high level can positively impact the com-munity they serve.

OUTSTANDING COMMUNITY BUILDINGBY AN ASSOCIATIONWINNER

PLYMOUTH CREEK HOA

The Plymouth Creek Board of Di-rectors has spent much of the past year positioning the community and future Boards for success. They cre-ated a master landscaping plan for the 12-acre site that is sustainable, attractive, low-maintenance, and will reduce mowing expenses. Their plan will provide future Boards with a clear path for maintenance and beautifi ca-tion. The Board also began planning for a 41-building siding replacement project by engaging a designer to en-hance the appearance of the buildings and obtaining pricing to assess the fi nancial impact of the design plans.

RUNNER UP

STONEMILL FARMS COMMUNITY

Despite the challenges of 2020, Stonemill Farms has carried on busi-ness as usual only diff erently. Two of the most popular events (Octoberfest and Independence Day) were reimag-ined to comply with state and CDC restrictions, while still making home-owners feel special. Graduates were shown love and pride through a giant banner and a parade of parents and friends honoring them with cheers and horns. The pool opened safely, exceeding state guidelines within one week of the order being lifted. Food trucks came to the community every other week too. While things were defi nitely diff erent in 2020, this asso-ciation was able to carry on and keep the homeowners safe and engaged.

Congratulationsto the all of the HOAs, Business Partners, and Com-munity Managers showcased on the following pages for their nomina-tions for the 2020Vision Awards.

Well done!

WINTER 2020 33

SAMANTHA NOLAN CITIES MANAGEMENT

Sam successfully navigated a complex maintenance dispute regarding foun-dation repairs at a townhome com-plex of over 140 units. The dispute involved attorney-homeowners, insur-ance coverage issues, and threats of legal action.

Sam’s hard work and communication skills helped address the issue in a manner that prevented fi nancial hard-ship to the association and satisfi ed all parties involved.

Sam as a “rookie” property manager shows skills and comprehension that parallel the most seasoned managers. She is a rockstar.

MARK OWENS SHARPERMANAGEMENT

Mark started as a community manager at the beginning of the pandemic and didn’t miss a beat. He took on manag-ing like a champion and has been able to navigate and soar in regards to all his duties of servicing his clients.

During his fi rst year as a commu-nity manager, Mark navigated two $250,000+ total landscaping and drainage projects saving one Associa-tion over $75,000 during this unprece-dented time and unique circumstanc-es. He received many accolades from the boards and homeowners alike.

Mark is truly dedicated to servicing his clients with professionalism.

TRISH PETERSONFIRSTSERVICERESIDENTIAL .

Trish joined FSR in 2019 as the on-site manager at a new account. She worked delicately to establish pos-itive relationships and implement policies given that we have a unique relationship with the Board of Direc-tors as the prior managing agent is a Board member. She worked diligently to build trust with the Board and prior manager in order to improve the oper-ation of the community.

Trish decreased delinquencies by over $14,000 by personally handling the collection process. She also signifi -cantly increased compliance with the Association’s governing documents resulting in fewer violations and res-ident complaints. Trish’s communica-tion style has fostered trust and con-fi dence from both the Board and the residents of the community.

WINNER

JOHN DELASKENEW CONCEPTSMANAGEMENT

John joined New Concepts in 2019 as an Assistant. He quickly caught on to HOA Management and within 6 months was managing two properties then shortly thereafter was manag-ing a whole portfolio. John learned so much and so quickly from his willing-ness to help others. When New Con-cepts switched mailing systems, he volunteered to head the project and train all of the employees.

John took the M-100, which has given him a better understanding of fi nan-cials and collections. He implement-ed new collections policies, which brought two of his Associations down to almost no delinquencies. He also helped develop a funding plan for Woodpark Association and they are now in a position to begin capital re-placement projects that had been de-layed for years.

ROOKIE OF THE YEARRUNNER UP

MIRANDA JAMESROWCAL

Miranda has done an excellent job since taking over our account. Her ap-proach to managing our community, communicating with the Board and homeowners is fair and direct. While new to her position, we have never heard “I’m new” or the like. She has the answer to most questions, brings suggestions forward that other man-agers have not, and fi nds the answers. Miranda has a bright future!

Miranda has turned a careful eye to our fi nances, reserve study and ser-vice providers. She holds vendors accountable, provides excellent ad-vice to the board and leverages past experiences to fi nd the best deal for our community. Although she is new to the business, Miranda is a trusted partner. The best manager our com-munity has had!

KAREN INGRAMGASSEN COMPANY

While new to the HOA industry, Karen learned the ropes quickly, passed her M-100, and developed great working relationships with a few tough Boards. She joined the company’s Outreach Committee and organized a Feed My Starving Children food packing event and assisted in other fundraising ac-tivities within her fi rst six months. Karen was instrumental in assisting an association in the remediation of ma-jor drainage issues and dead trees due to a lack of response from the devel-oper. The end result was new grading, trenches, swales, and new sod.

Karen’s eff orts also resulted in the de-veloper replacing 20+ trees that were failing. This was a huge cost savings for the Association and homeowners and also prevented foundation issues down the road due to standing water.


RUNNER UP

SOFIA NIAZ ASSOCIA MN

During COVID-19, Sofi a communicat-ed often with the homeowners giving them updates, food delivery options and even had live story time on Face-book for the little ones. Sofi a was in-strumental in promoting a fun, safe atmosphere with socially distanced events. Sofi a developed a reservation system to open the pool at half capac-ity, letting everyone have time at the pool each week while leaving time for proper sanitizing procedures.

Sofi a was able to create joy and cer-tainty in a scary and uncertain world. There were fi nancial savings due to her creativity and diligence. The sav-ings were reallocated for unforeseen items (extra sanitizing, extra staffi ng). Homeowners still had a hybrid of what they normally had, but dues did not have to be raised to achieve it.

KARI ROSS GAUGHANCOMPANIES

COVID-19 created an extremely diffi -cult job for Kari as an on-site Commu-nity Manager. Obstacles with opening and keeping amenities open is where Kari’s vast property management ex-perience shined. Normally the club-house consists of a staff ed, 24/7 fi t-ness room, pool and party room. She stayed up-to-date on executive orders and closed the amenities for the fi rst time ever. Kari juggled loss of employ-ees, as well as re-opening plans and keeping safety a priority – all while keeping costs in mind. Masks were obtained from the Chamber of Com-merce, sanitizing stations installed, and limits to people and distance set. Kari and her assistant manager some-times acted as both the manager and gatekeeper in order to keep things moving and open – all with a positive, tireless, and dedicated attitude.

KELLY STEVENSFIRSTSERVICERESIDENTIAL .

Since joining FSR, Kelly has devel-oped, adapted, and implemented key training programs for our associ-ates. She customized the Association Manager Training program (25 mod-ules/32 hours) and adapted it to a vir-tual model in response to COVID-19.

Kelly also introduced training and best practice sharing for managers and boards on running virtual board and annual meetings this year and helped transition our board training series to a virtual format via webinars. She also provided training guides on COVID sanitizing and compliance procedures.

Kelly has been a diff erence maker for our associates, customers, and the community through leadership and a commitment to training, develop-ment, and social action.

ABOVE AND BEYONDWINNER

KENNY GUZEKGASSEN COMPANY

Kenny Guzek went above and beyond while managing a 36 unit condo build-ing that was aff ected by the unrest blocks from the Minneapolis 3rd Pre-cinct on Lake Street. During the un-rest, Kenny spent hours working with the board in securing the building, hiring security, securing hotel rooms, boarding up windows and establish-ing a relationship with the Red Cross in the event the building needed to be evacuated or was damaged.

The actions taken by Kenny during the unrest in Minneapolis helped to prevent individuals from overtaking the building and gave homeowners a sense of safety. He also took the initiative to work with the National Guard to explore ways the association could be of assistance in keeping the general area safe and calm.

CASSIE FILZENNEW CONCEPTSMANAGEMENT

Cassie took on project management for Maplebrook Estates, a townhome association with over 430 units. This multi-million dollar project took place throughout the entire summer. During the project, she: Set daily meetings between the Board and on-site con-tractors; posted notices and inspect-ed all work every week; communicat-ed on a constant basis with owners; and oversaw all payments and the contractors. She did all this work while still managing 8 other properties – 2 of which were transitional properties.

Cassie worked tirelessly as the Proj-ect Manager to ensure our project ran smoothly throughout the summer. The owners and the Directors were always well informed and given plenty of no-tice, which lead to less frustration in the community.

NATHAN CORNELIUSASSOCIA MN

Nate anticipated the pandemic com-ing to the U.S. and ordered sanitizing supplies, gloves, masks, etc. in early February so we were well prepared. When we got the stay at home order, as an essential worker, Nate contin-ued to go in every day to make sure trash cans were emptied throughout the community and everything was okay at the clubhouse. When we were allowed back, Nate made sure door handles, desks, phones, keyboards, etc., were sanitized and ready for us.

Nate saved the association thousands of dollars by ordering safety and san-itation products well before anyone saw a need, avoiding price jumps and sketchy availability. Homeowner sat-isfaction was very high. They saw Nate out doing his job and it gave them a sense of calm and stability.

WINTER 2020 35

WINNER

MATT MCCARTY FIRSTSERVICERESIDENTIAL

Upon takeover of Sandcreek Woods HOA as a fi nancial-only account, Matt discovered the property had years of deferred maintenance and hail dam-age for which the HOA never fi led a claim. Matt off ered the Board a full management package and while working through the insurance claim, the property was hit by another hail event. After successfully steering the HOA through two insurance claims at one time, it was determined that additional work was needed to fully replace the building exteriors. Matt sourced a 10-year loan for the remain-der of the project and conducted an HOA vote requiring sign-off by 2/3rds of homeowners with a maintenance assessment. Matt’s eff orts produced a substantial fi nancial impact for the HOA in terms of increased property value.

TOM PARSON SHARPER MANAGEMENT

Tom started managing properties mid-summer and noticed one of his associations likes to keep things a cer-tain way but was always running into issues with money to pay for some discretionary items.

Tom looked over their budget and what their wants were, off ered to do some research and fi nd alternative ideas and pricing. He was ultimate-ly able to save the Association over $30,000 so they could still accom-plish the desired landscaping and hol-iday lighting for the Association.

Tom put forth the extra eff ort to iden-tify a way for the Association to get their wants met.

TESSA SWANSONNEW CONCEPTSMANAGEMENT .

Tessa has worked at New Concepts for 2 years. She took over a portfo-lio with no training from the previous manager. She met and worked with the Boards to get familiar with the properties. Fox Ridge, in particular, had many projects they wanted to get started but were low on funds. Tessa reviewed all of the current contracts in place to see where they could save money.

Tessa reviewed the Fox Ridge insur-ance contract in particular and found that by paying the insurance up front, the Association could save nearly $8,000 a year. The Association was then able to use those funds for de-sired capital projects.

CASSIE FILZENNEW CONCEPTSMANAGEMENT

Cassie took on the management of Maplebrook Estates with delinquen-cies in excess of $60,000. She created a payment plan form with the Board to help residents get on a payment plan without having to send them to collections. She would take part in ne-gotiating this plan between the resi-dent and the Board.

Cassie helped reduce the delinquen-cies from $60,000 down to $30,000. This number continues to drop for this Association.

Cassie went above what she was re-quired to do. She helped owners save money by keeping them out of collec-tions.

FINANCIAL IMPACTRUNNER UP

HEATHER KUNKLENEW CONCEPTSMANAGEMENT

Heather fi led an insurance claim for hail damage at one of her properties.The adjuster deemed the damage to be insignifi cant enough to pursue. Heather knew that surrounding homes and communities received new roofs as a result of hail that came through. Because of Heather’s persistence and care for her clients, she engaged a second opinion. They inspected the association and recommended she re-open the claim and engage their services along with the support of a public adjuster to ensure the associa-tion received the coverage their policy provided for.

The claim was a success with all build-ings receiving full roof replacement as well as partial siding replacement. The success of the claim speaks vol-umes about Heather’s diligence.

TAYA MANTELGASSEN COMPANY

In May 2020, fi re in a St. Paul highrise condominium building damaged 80 units along with common areas. Taya sprung into action and was constantly at the side of the Board and all home-owners during a very rough time. By engaging key vendors the night of the fi re, the police and fi re departments deemed the facility safe, allowing owners whose units were not dam-aged the option to stay in their homes. In addition to working on individual unit repairs, Taya worked tirelessly to restore common area damage, includ-ing elevators, the fi re suppression sys-tem, the mailroom, lobby, community room, gym, restrooms, and the on-site staff unit – all damaged in the fi re. Taya was instrumental in successfully and expediently putting together all the pieces in this devastating event.


WINNER

CHRISTINE PABEN FIRSTSERVICERESIDENTIAL

Christine is the Community Manager for the 298-unit Summit Homes As-sociation. She has been the key on-site leader and support system for a $21.5M restoration project, which in-cludes complete replacement of the mechanical penthouses, mechanical risers, in-unit fan coil, replacement, and several major structural repairs to the roofs and parking garages. Chris-tine played a vital role in obtaining the required 75% homeowner petition ap-proval for HIA funding.

With Christine’s help getting funding, the owners will benefi t from a 20-year fi xed interest rate fi nancing program through the city at a 3.1% interest. The average savings per homeowner in in-terest is $8,000+ which equates to a $2.37M savings for the community!

BAILEY SHERIDAN NEW CONCEPTSMANAGEMENT

Bailey has always strived to provide very professional and prompt service to both her clients (internal and exter-nal) and her vendors. I’ve heard from her fellow managers that she’s always been pleasant to work with, always coming to work with a good attitude and willing to help newbies along the way. She’s been so responsive when working a project together, answering questions in advance of preparing a proposal, notifying me of any changes to scope and keeping me in the loop as decisions are made.

There are always so many hats in the air in this industry, so many proposals out for review and new ones coming in. It’s teamwork which really makes things run smoothly and Bailey is ex-cellent at that!

SHINEY VANGASSOCIA MN .

Shiney is probably the most orga-nized manager I have ever worked with. She is someone who takes her job seriously, yet can have fun at work too. Shiney handles over 1,000 homes and knows most of the homeowners by name. That translates into amazing customer service. She consistently gets compliments from homeowners even when it’s about a violation. With a not so friendly person, she handles it with grace and just chalks it up to “they’re just having a bad day.” She is fantastic with fi nancials and can fi nd discrepancies even I miss.

Shiney’s attention to detail saves the association money every month. Shiney is loved by the homeowners because she knows her job and does her job well.

ALYSON ASTLEFORDOMEGA MANAGEMENT

Alyson does whatever it takes for her associations to succeed. From meet-ing on-site to touring with homeown-ers and digging into issues, Alyson pours her time and energy into ensur-ing that her associations are doing the best for their members. A recent ex-ample was the grand opening of Bell-wether by Del Webb, a villa communi-ty that opened in Corcoran setting the bar for Del Webb communities in the Midwest. Alyson built up the amenity center, learned the ins and outs of the buildings, and spent time with the de-veloper and staff to ensure everything was in place for the grand opening. Another example of Alyson’s drive was a $24,000 retaining wall project. She coordinated the project in a tight timeframe – two weeks to plan and two weeks to get it done. Of course, Alyson met the deadline!

EXCELLENCE IN SERVICERUNNER UP

KIM DAHLGAUGHANCOMPANIES

Kim Dahl has served as a manager for 25+ years and continues to share her experience by mentoring staff , edu-cating clients, and providing service with the utmost care. She has stepped in to cover for managers or assist as needed, has handled a few associa-tion lawsuits with grace, and has also assisted with sales and development when asked. In our industry we rare-ly get the good reviews, but Kim has managed to obtain several 5 star rat-ings due to her leadership, organiza-tion, and education. She has walked boards and owners through many ma-jor projects from roofi ng, to siding, to asphalt replacements with ease.

Kim has been recognized by boards for her way to see things from a dif-ferent angle and provide guidance to assist in decision making.

MELANIE LAWRENCECOMPASSMANAGEMENT

Melanie is diligent, prepared, orga-nized, and whole-heartedly commit-ted to providing excellent service and results for her communities and ven-dors. Over the years, Melanie has im-pressed through her prompt and suc-cinct communication, professionalism and pride in representing her compa-ny. I work with a lot of property man-agers and Melanie is an all-star.

Trust is vital in the role of a property manager. It is earned through little, often unnoticed actions, performed consistently over a period of time. And this is where Melanie shines bright – ongoing excellence in the little details of her role – and why she has never lost a property. Melanie epitomizes the values of integrity, reliability, and commitment to clients. And she does so with good humor and a smile!

37 WINTER 2020

JODIE WOODROW GASSEN COMPANY

Jodie has been an Association Manag-er for over 35 years and has a portfolio of very challenging properties. Jodie is a true professional in all that she does for them. From her incredible at-tention to detail, reliable communica-tion, and dedicated customer service, Jodie is a true professional.

Jodie constantly relies on her proj-ect management skills to help all her properties stay on budget. These sig-nifi cant projects every year require her attention to detail, extreme ded-ication, and knowledge. Her profes-sional ability to manage many proj-ects through their fi nancial, vendor and construction end is very reward-ing. Above all is her ability to manage and lead her boards and homeowners throughout each project.

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BUSINESS PARTNER – ABOVE & BEYOND

WINNER

DEREK MUELKENCAPITALCONSTRUCTION

Capital Construction was chosen by the Board at Maplebrook Estates (430 units) to complete hail damage re-pairs in the summer of 2020 from a 2019 hail storm. As the Project Manag-er, Derek and Luke (the foreman) met on-site with the Board weekly to pro-vide updates on construction, address homeowner concerns and oversee construction. They also worked with their vendors to provide a homeown-er appreciation night while meeting social distancing standards.

Derek developed a plan so the Board could replace the entire exterior of all homes, not just the 14 buildings cov-ered under the claim. With Derek’s help, Maplebrook was able to replace the exterior lighting, siding, roofi ng, trim, exterior electrical and other items.

RUNNER UP

STEVE ARRELL SMA EXTERIORS

Regatta Manor Homes began the sec-ond phase of a total re-roof project in April 2020. The Board voted to move ahead with this project after discuss-ing the pros and cons with SMA Ex-teriors in light of COVID-19. During the project, a homeowner came home from eye surgery with their disabled son and was trying to get him out of the car with some diffi culty. One of SMA’s workers immediately saw his predicament and came forward to assist. They cleared away the cau-tion tape and other debris and safely helped them into the house.

The measurable benefi t is twofold: (1) the HOA received a fantastic new roof system; and (2) it showcased the ded-ication to humanity, selfl essness and compassion SMA has for its customers.

EXCELLENCE IN SERVICECONTINUED

Community Associations across the Midwest trust Hellmuth & Johnson to solve their problems both big & small.

ON YOUR SIDE. AT YOUR SIDE.


TONY SMITH SMITH JADIN JOHNSON, PLLC

Tony has been instrumental in assist-ing both managers and Association Boards on how to navigate during this diffi cult year with COVID as to how to run eff ective board meetings, collection of assessments, how to ac-complish annual meetings with the current restrictions in place, and how to address common gathering spac-es on sanitization guidelines, to how to open common gathering spaces to monitoring the spaces for social dis-tancing enforcement

Tony has guided on how to properly open common facilities during this un-precedented year to protect both the associations and residents. He has giv-en so much of his time and knowledge to enable managers and associations to be their best.

DAN STEUERNAGEL BIRCH

Birch has been the chosen Lawn, Snow, and Irrigation Vendor at Waters Edge for 5 years and has maintained Excellence in Service consistently, without waiver, throughout that time. That is exceptional and needs to be recognized. I have seen other vendors in this role become complacent, re-laxed on the level of service, or even lazy. Birch is still striving to impress the Board, improve how the commu-nity looks, and please residents with amazing service each and every day.

Dan and Birch are outstanding in com-munication, professionalism, leader-ship, customer service, respect and CARE in all they do. We have actu-ally had a consistent stream of com-munication from residents and Board members complimenting Birch on how good the property looks.

WINNER

NANCY POLOMISHELLMUTH &JOHNSON

Nancy has assisted my association for several years on general matters, but this year was most unusual. She was integral in helping me to prepare for safely opening the amenities and guiding me through the process of board meetings and the annual meet-ing during a pandemic. This associa-tion has “interesting” documents, is not MCIOA and also has a few home-owners who truly believe they know the law better than any attorney and challenge everything. Having Nancy at my side made this year much easier.

Nancy’s knowledge and guidance has saved this particular association thou-sands in potential lawsuits stemming from opening or not opening an amen-ity. “Let’s ask Nancy Polomis, she’ll know what to do.” – Board Member

BEN BRUESHOFF CLOUDLINE EXTERIORS

Ben always goes above and beyond to ensure there is follow through for any exterior repairs that are request-ed, along with open communication with management, the board and/or aff ected owner(s).

His eff orts have prevented further damages to the units, and realized savings to the association.

Ben Brueshoff goes above and be-yond all others!

BUSINESS PARTNER – EXCELLENCE IN SERVICERUNNER UP

ERIC LUNSETHLUNSETH LAWN CARE PROFESSIONALS

Eric and his team try to be our eyes and ears on properties, letting us know about things that not only per-tain to lawn care, but the landscape and the buildings. It comes down to their communication. While grounds maintenance is something anyone can do, LUNSETH’s proactive communica-tion separates them from the rest. If they come across a dead shrub, a bro-ken window, etc., they will snap a pho-to and alert our property managers.

One example is an Association that gave LUNSETH a budget of $20,000 to repair edging around rock beds. LUNSETH came in at almost half that amount, so Eric’s company saved the Association about $10,000 because they came up with an effi cient way to replace and repair their edging.

SHANE LANGEGO GET FRED

In Spring 2020, Go Get Fred was proac-tive in dealing with COVID by educat-ing boards and managers on the State of MN guidelines to open community pools. They provided excellence in service by engaging early with clients to ensure health guidelines were un-derstood. Go Get Fred provided state updates to managers as soon as they were available and developed COVID kits to keep the pools safe, clean and open. They provided guidance for set-ting up sanitizing stations and options for the sanitization of restrooms and club room areas. This vendor provided a solution focused approach through their training and recommendations to prepare pools to be COVID ready for opening. They even assisted man-agers by preparing pools for COVID for associations where they did not have the yearly maintenance contract.

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