Relax less than a block from the beach
|August 31, 2017
Island Dunes Condo Owners,
The Board wants to keep you informed of what's been done and what's being done to preserve our/your property. I'm sure you've all see the pictures and it's not pretty. Island Dunes sustained a lot of damage - mostly from the tidal surge and flooding. None of the condos were spared and some of them have major damage.
Kim and her husband Greg were on the property as soon as Port Aransas allowed owners back on the island. They did an initial assessment of the property, took pictures and then started doing what they could to prevent further damage. The Board met via conference call on Aug. 28th and hired a general contractor to coordinate the inspection, cleanup and repair of the condos. He and his crew will be on site today. We are bringing in portable toilets and large dumpsters for non-food debris. We also need heavy equipment to remove debris from the grounds. Greg has been hired to oversee the grounds cleanup and repair. He and their son, Kenny and his friends have been working as volunteers to do the temporary patching of doors and windows to prevent further damage.
Initial focus will be on removing wet carpets and drying the units. Without air conditioning, mold is developing quickly.
We are unable to dispose of food waste on the island, because there is no regular garbage pickup. Housekeeping will be removing all items from refrigerator which could spoil and will be taking it off the island for disposal. They will also be removing linens from the rental units, and taking them off island to be washed and stored.
Kim has found temporary housing for herself and Greg.
On a positive note, as of today, mail delivery is up and running in Port Aransas and water and sewer is also up and running. There is still no electricity, but they city is hoping to have power restored by next week.
As additional information is available, it will be posted here.
|August 31, 2017
TO ALL OWNERS:
We know that many of you are reaching out to John Lenz, owner of Lenz Contractors, Inc., in order to retain his services for the mitigation efforts and repairs associated with your condo. Lenz and his crews are on the island with limited cell service (still no power on the island). We have set up points of contact for each of you, as follows:
Lenz Contractors, Inc.
18471 Second St.
San Antonio, TX 78266
POINTS OF CONTACT: Emma Pastrano (firstname.lastname@example.org) or Elizabeth Rodriguez (email@example.com).
When you call, identify yourself as an Island Dunes owner and you will be directed to the appropriate person to handle the claim and coordination. Also, let Emma or Elizabeth know your condo number.
Thank each of you for your continued support, patience and cooperation. We are working hard at preserving and restoring our property. We have mobilized the contractor and plan to have a generator on the property in the morning to have power on the property.
|August 30, 2017
The following information applies only to your own personal insurance, not the association policy. “The board of directors is posting information for your use. It is not intended as legal advice, just informational purposes to do with as you see fit".
• If you want to get started on clean up, please document your loss.
• Take pictures inside and out of damages and water lines.
• Do not throw anything away that you want to be reviewed for reimbursement until the adjuster comes to inspect the damage.
• If you can safely do so, make temporary repairs to prevent further damage.
• If you choose to use a remediation contractor, we advise not to sign open ended contracts. It is likely that all charges they include are not reimbursable under the flood policy.
• If you need an advance on your claim ask your adjuster.
• If you have flooded previously have your documents, receipts and photos to prove prior repairs.
• Start a list of contents damage
|August 29, 2017
IMPORTANT NOTICE TO ALL ISLAND DUNES OWNERS
When you or whoever you hire is removing the damage from your condo that is covered by the association policy, (items like wet wallboard and wet flooring) do not remove it from the property. Place the damaged property in the provided dumpsters and we’ll hold it until the claims adjusters have seen it. Take lots of pictures to document everything. NOTE: There will be two adjusters, one for flood and one for wind.
With respect to your damaged personal property, please contact your own insurance agent for instructions on how to handle that. Each company may have different rules to follow regarding removal of damaged personal property? Don’t compromise your claim payment by assuming they are the same as the association policy. Take many pictures to document your claim.
|August 29, 2017
Island Dunes Condo owners, see the following insurance coverage information from Board member Gary Swanson. Also, it is recommended that you are current on your tetanus shot if you intend to go to Port A to work in your unit.
To: All Island Dunes Owners
From: Island Dunes Board of Directors
RE: Hurricane Harvey
It is a time of sadness for all of us at Island Dunes and Port Aransas. The devastation is significant and it will be a long time before everything is sorted out and the damage is determined, must less put back together.
Many of us have questions ranging from how bad is it to what comes next. Kim is on site taking pictures of the damage to insure we have a record when it comes time for the claims adjusters to evaluate the loss. Don’t wait for detail, contact your insurance agent or claims person now and report your claim. If they want detail tell them it is both wind and flood damage and let the adjuster sort out the detail later.
One question is where the line is drawn between what the Association policy covers and what each owner’s insurance covers. The best answer to that is the language from the By-Laws:
ARTICLE XXI INSURANCE
The Association shall carry a master policy of Property, Wind, Hail, Flood and extended coverage, vandalism and malicious mischief and liability insurance, and, if required by law, workmen’s compensation insurance (hereinafter referred to as the “ Master Policy”), and shall carry such other and additional insurance as the Board of Directors may deem advisable or necessary in its sole discretion with respect to the Condominium Project, the officers and directors of the Association and Association’s administration thereof, commonly referred to as “fidelity insurance,” in accordance with the provisions set forth in the Declaration.
For Property, Wind and Hail and Flood it is the intent of Association’s “Master Policy” to cover the standard built in items in the units that were part of the original construction. Such items include doors, windows, interior walls, furnace/air-conditioner, wallboard, bathroom fixtures, built in vanities and counter tops, kitchen cabinets, sink, faucets and counter tops, ceiling fans, floor covering and staircase handrails.
The Unit Owner’s responsibility is to insure their personal items and any increased value resulting from any improvements or betterments to the original standard construction. The Owner’s personal items are to include, but are not limited to, paint, wallpaper, furniture, linens, appliances, jewelry, household items and any other personal property.
Also, some things to consider:
The policies have over $7,000,000 limit, so we should be good with limits.
There will be deductibles on both the wind and flood policies.
Personal property is always settled ACV (i.e.; depreciated value) for flood.
Flood policy does not cover the pool, the pool house or the fence.
Wind policy does cover the fence.
|Island Dunes Property Owners - Kim was on the property today and took pictures of the grounds and every unit. She will be sending you photo's of your unit so you can contact your insurance agent. There are photos of the grounds on the photo page on this web site. Harvey did make a mess, but Island Dunes will be back better than ever.
|Apparently there is some misinformation regarding House bill 1774. The following will help clarify the changes that will take place on Sept. 1st.
There has been a huge amount of misinformation circulating on social media about the impact of HB 1774 (the hailstorm bill) as it relates to the catastrophic events we are experiencing due to Hurricane Harvey. Here are the facts:
HB 1774 does not change the insurance claims process. A person making a claim with her insurance company after September 1, 2017 will go through the same process as a person making a claim before September 1, 2017.
The new law applies only to a lawsuit that is filed against an insurance company by a policyholder when the policyholder's insurance claim is not timely paid or is underpaid, or when the insurance company acts in bad faith in dealing with the policyholder's claim.
Lawsuits are the exception, not the rule. The vast majority of Texans will go through the regular insurance claims process without needing to file a lawsuit.
Texans continue to have the strongest consumer protections in the nation against insurance companies. This includes the full recovery of amounts owed under an insurance policy, plus penalty interest, court costs, and attorney fees. Additionally, if the insurance company acts fraudulently or in bad faith, Texans may recover triple the amount of their actual damages, which is unchanged by the new statute.
The primary purpose of the new statute is to require written notice of a dispute before a lawsuit is filed. If a lawsuit is filed, it would happen months or years after the initial claim was made with the insurance company. Nothing in the new law passed by the Legislature earlier this year requires that the initial insurance claim be made in writing or by a specific date.
• This requirement for a written pre-suit notice (not pre-claim notice) to the insurance company ensures the company is aware of its policyholder's complaint and has had an opportunity to adequately address that complaint before being sued.
Furthermore, the new law will not apply to most claims or lawsuits arising from Harvey, because most of the policyholders' claims will be for damage caused by flooding. These claims will be made under the federal flood insurance program and governed by federal law.
Similarly, the new law will not apply to lawsuits pursued against the Texas Windstorm Insurance Association (TWIA), which is subject to an entirely different statute governing post-disaster lawsuits. TWIA provides insurance for many people affected by Harvey.
The new law is designed to do two important things:
1. Discourage the feeding frenzy by lawyers and contractors following natural events occurring in Texas over the past several years. These unscrupulous actors have taken advantage of thousands of hard-working Texans over the past several years.
2. Encourage out-of-state insurance adjusters to come work in Texas following a massive disaster like Harvey. In the following days and weeks, it will be critically important for out-of-state adjusters to work in Texas to ensure that insurance claims are evaluated and paid in a timely manner.
In sum, the new law does not affect the claims process. Instead, it affects only the lawsuits that sometimes follow the claims process. Furthermore, it does not create a new deadline for action by policyholders.
|Island Dunes Condo Owners: The following link may be helpful in dealing with any loss you may have incurred in your unit.
|ISLAND DUNES CONDO OWNERS: PLEASE READ THE FOLLOWING IMPORTANT INSURANCE INFORMATION AND CHECK BACK HERE ON A REGULAR BASIS FOR ADDITIONAL INFORMATION.
IMPORTANT CHANGES AFFECTING PROPERTY DAMAGE CLAIMS UNDER TEXAS INSURANCE LAW WILL GO INTO EFFECT ON FRIDAY, SEPTEMBER 1, 2017.
To take advantage of current Texas Insurance Law protecting property owners’ rights with regard to damage claims resulting from HURRICANE HARVEY, policyholders should send a written message or email directly to their insurance company that (1) specifically references their claim; AND (2) is dated BEFORE SEPTEMBER 1, 2017.
Telephone messages will not suffice to give notice to the insurance company.
KEEP A HARD COPY OF WHAT IS SENT
|Welcome to the right place at the right time! Picture yourself on an early morning stroll along a solitary beach at sunrise with thousands of migratory birds in flight punctuating a magnificent sunrise, Is it Mazatlan or Cozumel….maybe Acapulco or Rio.
Nope! Try Island Dunes in Port Aransas, Texas, Mustang Island’s greatest vacation value. Nestled in the sand dunes across the bay from Corpus Christi, Island Dunes is right in the heart of the greatest vacation the southwest has to offer.
Click Image to Enlarge
Click Image to Enlarge
|Island Dunes is a Townhouse Condominium complex with two bedroom and three bedroom units. The master bedroom and master bath are upstairs and the second bedroom usually has twin beds and the living rooms have queen size sleeper sofa's
The three bedroom apartments are located on the second and third floor and have a queen or full size bed in the second bedroom and twins in the third bedroom.
All units have a full size kitchen that is fully equipped with everything except for your favorite omelet pan! You should also plan to bring your own beach towels as those supplied are not suitable for the beach. Each unit also has it's own washer and dryer for your daily washing needs along with a television, VCR, microwave and many units have sound systems.
|Each day brings a different menu of things to do. Tensions will disappear beneath your footsteps in the sun as you stroll along miles of unspoiled and undeveloped beaches. Maybe you will cap off the day with a swim and cool sunset drink with friends at the beautiful Island Dunes pool and cabana.
Click Image to Enlarge
Click Image to Enlarge
|Our rates are very attractive. Our in-season and off-season process are always affordable, and we offer discounts to Winter Texans and others who stay for extended periods.
We are having a wonderful time and wish you were here. Come and see us very soon.
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