from:	Colleen Palmer <rentladygardens@gmail.com>
to:	jacob kogan <baltimorecountycondo@gmail.com>
cc:	Matthew Merckel <mmerckel@tidewaterproperty.com>,
jacob2 <jacob.kogan@gmail.com>,
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date:	May 8, 2025, 12:17 PM
subject:	Re: special assessment for Gardens at Owings Mills I
 
Mr. Kogan
The special assessment is solely for the insurance down payment.  We can not go
without insurance.  This is not new information; the arrearages are what is
taken into consideration from the unit owners we have in collections.  We did
not expect to be hit a 2nd year as the broker thought they would be able to
get our premium down from the large fire loss. Unfortunately that was not the
case.  This is the only way we can get insured and if we take the money out
of our reserve account it puts us in a situation where we won't be able to
replace roofs and hot water heaters if they go up, which is a reserve item.
We would still have to pay back the reserves regardless.  
 
The information sent to the homeowners as we explained at many meetings states
the fact we need to cover all the costs and take into consideration people
that are in collections.  We made no secret of it before and it is no secret now.
This is not something that the board wants to do, it is what we have to do.
We are all in the same situation as everyone else in Section I and have to
pay the same amount.  I personally sent out an email regarding special assessment
insurance and advised all unit owners to add it to their insurance policies
even before we knew about the special assessment being our option unless we
take out a multi year loan with a large monthly payment that will take away
from other needs at The Gardens.  
 
Matthew answered your question as he is supposed to since he is the Property 
Manager.  
 
We are an older community, we have plumbing issues, we have some unit owners that
do not take care of their units properly and cause damage.  There are unit
owners that apparently have not insured their units or make sure their tenants
have renters insurance.  This was the case for the $1M+ claim.  No one saw it
coming and we are all paying dearly for someone else's negligence.
 
Colleen Palmer
Section I