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® Section A Where the news is always good! Vol. 26, No. 2 • August 2012 COMMUNITY Big Bangs NEWS & UPDATE By Kenneth D. Colen, Publisher and Insurance Update Tropical Storm Debby was a reminder Booms! to all residents to check in with your insur- By Bob Woods ance agent and make sure the insurance World News Writer coverage on your home and contents is ad- equate. We were very fortunate that there was no flooding or water damage to build- Thousands of people attended the ings or infrastructure despite 11-inches Fourth of July extravaganza at Circle of rain in 24 hours. If there is ever a next Square Commons on Wednesday, July 4. time, we may not be so fortunate. If you feel The event kicked off right on time at 5 p.m. “lucky” and go without insurance or believe with a tribute honoring all veterans. you can self-insure, you should reconsider The Color Guard from Francis Marion because the cost of repair or reconstruction Military Academy presented the colors as (especially from fire) may well put you into Alexander Sexton sang the National An- debt. them. Bob Woods introduced the military In the On Top of the World Owners’ As- flag holders as each military service song, sociation, residential properties are insured including the Merchant Marines, was under a master policy in the name of the played. Veterans from each service stood Association. The per event deductible re- to be recognized as their service song was mains the same as the prior year, at $10,000 played. per occurrence for any event including The audience was entertained by Mari- wind/hail related damage. Named storm on County’s “best local band,” Second Slice, events carry a separate deductible of 5% of who played and sang all types of music to the total of values at the time of loss at each the delight of all types of dancers and those location involved in the loss, subject to a sitting around enjoying the music. minimum (communitywide) deductible of There was plenty of food available: hot $250,000 for any one occurrence such as a dogs, hamburgers, funnel cakes, popcorn, named storm. pizza, calzones, barbeque, and ice cream. With respect to flood, earthquake, and While listening to the band, many spec- flood resulting from a named storm, all tators checked out some of the craft booths loss, damage, and/or expense arising out to see what was available. One of the most of any one occurrence shall be adjusted as popular booths was a young lady who one loss, and from an amount of each such painted faces, in particular kid’s faces. adjusted loss there is a $100,000 deductible. The spectators’ eyes were focused to the Photo by John Ware In light of Tropical Storm Debby, it is sky watching a small plane obtain altitude A magnificent fireworks display lights up the sky at Circle worth mentioning that no homes or roads where three skydivers would descend, one were impacted by sinkhole activity. The As- trailing the American Flag and the other Square Commons on Wednesday, July 4. sociation does have coverage in the event two trailing colored streamers. Two of the of damage to building from sinkholes. This parachutes landed in the grass area in front coverage has a $10,000 deductible. It is of the Circle Square Cultural Center; the worth noting that sinkhole activity did oc- third chute landed in the street between cur in several storm water retention ponds. The Town Square and the designated target This is not remarkable given the volume of area. “What an awesome sight!” according water received and the concentrated weight to spectators at the landing area. imposed on the ponds as a result. The re- It wasn’t long before the traffic increased pair of the damage is a common expense as spectators started arriving for the sched- of the Association and in not an insurable uled fireworks. Employees of On Top of the event inasmuch as no structures were in- World controlled traffic in and out of the volved. area. Should the community experience “And the rocket’s red glare, the bombs wind-related losses, the deductible is bursting in air, gave truth…” spread over all members of the On Top Precisely at 9 p.m., the first rocket took of the World Central Owners’ Associa- to the air, exploding in an array of colors, tion. In other words, the individual share and of course, the big boom. The rockets of the deductible would be approximately lit the area with ferocity from the Candler $68 per dwelling were it is necessary to as- Hills Golf Course. The fireworks show last- sess for the named storm with a deductible ed 30 minutes. of $250,000. This is a good point to segue This was an amazing event! Congratu- into the limits of coverage that individual lations should go out to all those who homeowners may wish to carry. planned and worked on this spectacular Contents coverage may vary greatly de- event. pending what it is you wish to insure. As Photo by Bob Woods a basic point though, you need adequate More photos on page 18 Skydivers descend near Circle Square Cultural Center. limits to cover furnishings, personal items, floor coverings, appliances, fenestration (windows & doors) and cabinetry. Direct your agent to write an HO6 rider that pro- vides for loss assessment coverage in the event of a special assessment from the As- sociation to cover unforeseen shortfalls in losses. It is never a bad idea to see if that “loss assessment coverage” component can be increased. There may be a possibility that your car- rier will offer a product called “extended protection” that in effect offers another layer to loss assessment coverage. It was pointed out to me by a local insurance agent that the carrier may require a letter from the Association stating that there are “no losses, unreported losses, and ongo- ing repairs” currently pending. We have drafted such a generic letter and posted it to www.otowinfo.com (click on Insurance Info). You may print this letter and provide it to your local agent. Master the Possibilities Master the Possibilities is finishing the best summer season to date. August has very good programs and most have open- ings. It’s a good time to dust off that catalog and find some more opportunities to learn and grow. Just as we are completing one season, the fall catalog covering September to Decem- Photo by Ray Cech ber will be released on Wednesday, Aug. 15. You’ll be able to pick up a copy at Master Maria Luisa DeCurtis explaining watercolor techniques at Master the Possibilities. the Possibilities or view it online (www. canvas with Tina Carchia. If colored pencil masterthepossibilties.com). Best of all, art is your interest, Maria Luisa DeCurtis you’ll be free to register by phone, online Exploring Art Through has just the class for you. Sherri Fertic has or in person. This “early bird” registration introduced a new class that’s getting a lot of period has been extremely popular with “oohs” and “aahs.” It’s called Zentangle. If students. The choices and variety continue you like doodling, check out Sherri’s class. to impress. About 300 classes, lectures, pre- Classes By Ray Cech By now you’ve got the idea. There is an sentations and films insure that there will art class for just about everyone. Accord- World News Writer be a lot for a lot of students. Whether it’s ing to art educational coordinator, Marlene an encore class you missed the first time or Berrio, “Most students who have never one of the 50-percent plus that are brand Art: “The expression or application of some of the stained glass projects currently human creative skill and imagination, typi- underway; you’ll be tempted to sign up for dabbled in any art form are amazed at what new, don’t be surprised to find yourself in they can do once they try.” She goes on to the classroom. cally in a visual form …” (The Oxford Dic- a class. tionary). Going almost beyond the creative, are say, “Most of us now have a bit of time on It’s hard to believe that this will be the our hands, so why not explore that creative last catalog of the year. You really don’t In any one year, you may find more than the works of art composed and taught by 200 art classes at Master the Possibilities. Lee Ann Oliver. Her classes may take you and imaginative side of our brain. It’s fun want to miss out on this lifelong learning and rewarding.” experience that has intrigued us for the The range of creativity and imagination is through glass painting, clay pottery, as well limitless: there are classes in pottery, pen as the art of mosaic design. Her creative There are several ways to see which art past seven years! All of us at On Top of the class may be exciting for you. You can pick World and Master the Possibilities appreci- and ink, watercolor, oil painting, and pho- touch is limitless. tography, to name just a few. Instructor Carol Drost Lopez is also an up a Master the Possibilities catalog, go to ate your continued support. their website, www.masterthepossibilities. The Town Square Last year, you may have seen the stained award-winning artist with over 40 years of glass window designed by Sami Odeh that teaching art. Check out her offerings. com, stop by the office and chat with Mar- Summer time rocks on at The Town was rendered from a photo taken by Nor- You can participate in an oil painting lene Berrio, or actually take a peek at some bert Sachs.

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