Make your own free website on

This page is maintained by Jim Summers.  If you have any questions or concerns about this page, please email Jim at .

FMO District 1


Beacon Hill Colony 1112 W Beacon Rd Lakeland, FL 33803

THURSDAY, April 19, 2012 9:00 a.m. (Coffee & Donuts at 8:30)

Park Contact Immogene Beck 863.686.8060 Juanita Kuryla 863.603.8272

 Contact Exec. Vice President Glenn Haney 863.956.0146


FMO Membership

By:  Dan McBroom


Renew your membership today – and while you are at it, spread the word about the

benefits of membership to your friends and neighbors.



Get your FMO News online!

Each issue is posted on the

FMO website.


To stop hard copy

mailing, call the

FMO office or email to







FMO News

By:  Daniel  McBroom


Get your FMO News Online!

Each issue is posted on the FMO website.   www.    -  You have to be an FMO member to explore the site to its full extent.


For the FMO’s Homeowners Association Manual, FMO members can order a manual for $8 plus $.56 tax plus $5.00 per book for shipping & handling. Total $13.56.  Mail your check payable to FMO to 4020 Portsmouth Rd., Largo, FL 33771. Please allow 2 weeks for delivery.


To obtain a copy of the Chapter 723, Florida Statutes, The Florida Mobile Homeowners Act along with the Chapter 61B-29 through 35 Florida Administrative Code you can request a copy from the Department’s Customer Contact Center at 1940 North Monroe Street; Tallahassee, Florida 32399-1031, by telephone at 1-800-226-9101. The CCC hours of operations are Monday-Friday, 8 a.m. - 6 p.m. For a quicker response from a DBPR representative, the best times during the day to call are between the hours of 8 a.m. to 10 a.m. or 4:30 p.m. to 6 p.m. or via e-mail at


Please be advised that the Florida Secretary of State, Division of Corporations will forward a FREE copy of FS 617.  Call 850-245-6052, you will receive your copy in about 5 working days.



Please join your local FMO along with your HOA and stay informed, either through our FMO magazine or the FMO web site (To use the website you have to be a member)


If anyone wants to join please contact:  Dan McBroom - 353-8860.


For the FMO members who have not sent their renewals in ... please do so.



The Federation of Manufactured Home Owners of Florida, Inc.

District 1 Membership Meeting

Thursday, February 16, 2012

Royal Palm Village, Haines City, FL


The meeting was called to order

Officers present:  Alex Lai, Glenn Haney, Lynn Page, Anita Balch, Juanita Adkins, Dee Grady, Virginia Biddle and Christine Mansell. Excused:  Bob Delong.

Pledge to the flag: Glenn Haney

Prayer: Christine Mansell

Welcome: Diane Lema  Royal Palm HOA Pres.

Old Business:

Road to Recovery:   A membership drive program. Specific material for the program.  Consists of a letter (to be signed by the FMO rep) a yellow application, postage paid envelopes and plastic door hanger bags. You can acquire them from the Largo office by calling Beth at 727-530-7539 or emailing at and asking for whatever number of Road to Recovery packets you will need. This is a project, so order only for the people you are recruiting to become members. We are tracking our recruitment through the number of yellow forms that come into Largo.

Renewals:  You can now renew with a credit card either on line or with a new membership application (attached). You may want to have some of them handy for renewals. Whether it is for new or renewed membership one of the most recent FMO legal accomplishments that keep money in our pockets is the prevention of taxation on our monthly lot rents which can be more than $200 a year depending on your lot rent. $ 20 a year for membership to save $200 or more is a 10% rate of return on your investment. Need I say more?

HOA Officer Training:  This coming Monday 2/20/2012 at Lake Juliana Landings. Correction: Lundy Road not Burney.  There will be members of our community directing you once you are in the park. Currently have @ 100 people.  8:30 am Donuts; Program begins at 9:00am.

Park Rep Training:   Looking for parks to hold park rep training.  Next time would be for October or November. Check with your park schedule. We need space for @ 50 plus parking.  Three people are going to check. Get back to Glenn Haney (863-956-0146).

Christine Mansell:     (40 years in the property and casualty insurance business; specialty Manufactured Homes: Member of the Professional  Insurance Agents of Florida).  Mark Twain said “If you don’t read the paper, you are uninformed. If you do read the paper, you are misinformed”. Can’t rely on any one source for info. The State created Citizens Insurance in 2006. Now Citizens says they have $6 billion in reserve, one million policies and capabilities to handle two (once in a century type) weather catastrophes. One reason is the other major companies who ran sound, money backed businesses were required to pay money to Citizens to help them pay their claims (subsidizing the state program). Random Non-renewals. Surplus Lines type of insurance is insurance that doesn’t come under the rules of the Florida State Insurance Commission. They can charge what they want, give whatever coverage they want.  If you are in a park with older homes, say those built in the 80’s and you lost your insurance for whatever reason your insurance company gives you, you are unlikely to find insurance to cover your home.

         Q&A:  Mike Wilkins, Jennings Resort:  I have Foremost and my neighbor has Citizens. We have the same home, same coverage but his premium is 50% higher than mine. DP policy was coverage for Fire, Wind and Liability which was better to have than nothing.  My company, Jack’s Agency, is the oldest writer of Foremost in the State. We can’t write new policies. They are superior.  Keep that policy. If you need insurance I would advise you go to AARP and look into it there. Q&A Robert Shaw, Village Park:  Is it correct that there is a Blanket Law Suit against Citizens?  Yes!  Q&A: Kent Pfremmer, Ariana Village:  There is a deduction on my policy for a catastrophe fee. Is that what is used to help Citizens?  No there has always been a fee for catastrophes just in case companies go bankrupt as a result of paying catastrophic claims. For instance, in 1992, 11 companies went “bankrupt” after Andrew and another group went on “financial watch”.  That money is secure!  That other fee is part of the insurance companies’ operational expenses.  Q&A:   Robert Michaels, Palm Tree Village:  How do you feel about Modern USA?  A very good company. They are looking at the locations where they are writing business and “shutting down” certain areas where they believe they are too concentrated. Q&A: Dennis Dusseau, Walden Shores:  What about Citizens Insurance Bill 1784 that Bill talked about last month? Some of it is still in legislation.  As of 1/1/2012 they will not be covering open structures for new clients or renewals anymore. Major losses are usually patio, carport, roof and screen room. They are not willing to pay for generally what happens in a wind storm because they don’t want to lose the new found money from the other insurance companies.  A company like Foremost for example has never lessened their coverage but once after Andrew when the insurance commissioner enacted a required deductible due to wind loss of a minimum of $500. There is another deductible for all other claims on our policies.

Alex:    Remember, the State doesn’t have to ask permission from anybody because they exist as a result of a law saying so. The only way that can change is by the people speaking out through legislation to have changes made.  Remember when the sales tax on rents not passed? You contacted your legislators and overwhelmed them. You were heard then and you can continue to be heard. This bill is not what you want to happen and only you can make the difference. Contact your legislators and let them know that you expect coverage for the money you are paying your insurance companies. Q&A: Roger Bolander, Winter Haven Oaks: had a few claims and was terminated by American Traditions and ended up with Citizens.  Surplus Lines Insurance companies are not answerable to the State.  Allstate is one who is known to cancel you out if you have too many claims. Insurance companies are looking more closely at what your claim is about…..too many thefts…what kind of security do you have/ How secure is your neighborhood….to many liability claims…people falling…how much debris is around both inside and outside your home etc.   I never had a claim, but I was always concerned about liability. What if a customer should fall, hit their head go into a coma, etc. That could be a pretty expensive claim.

Alex:    Insurance is available out there. Call your own agent directly, not the insurance company. Let him/her explain what is going on and perhaps they can give you a quote with another company and with different coverage.

Legislative Update:

         Any legislative proposals pertaining to mobile home owners in land leased parks have been eliminated or stopped in committee for the moment.   Senate just passed a budget of 70.7 Billion Dollars. Plan would eliminate 4000 state jobs and increase the amount the state employees would pay for health insurance coverage. Governor has not signed off on it yet.  The next issue is redistricting. The justices have until the end of the month to see if this complies with the Florida constitution.


         Q&A:  Dennis Dusseau, Walden Shores.  Last month Bill said there were 19 parks in violation of the rules of advertising. They were offering free rent for various months or years to prospective buyers.