NAPLES, FLORIDA 34105
OFFICE: 239 263-3587
CLICK ON CONTACT US BOX TO SEND AN EMAIL
Some Banks will not accept a N.F .I.P. form (National
Flood Insurance Program) that clearly designates that the
building address is NOT in a flood zone. They require a
L.O.M.A. (Letter. of Map Amendment) if the zone
designation is different than theirs even when the N.F .I.P.
form has a current date versus their date of2012.
FEMA established the National Flood Insurance
Program/Organization to administer flood insurance
programs based on flood designation established by FEMA.
When FEMA was contacted about this disparity they sent
us to N.F.I.P. N.F.I.P. referred us to “” … FEMA!
Turtle Lake Golf Colony Board of Directors will contract
flood insurance based on FEMA designation and N.F.I.P.
forms as of 10-17-14. Shortly after that date we will
publish addresses/buildings in flood zones.
It would not be a good idea to allow your bank to force a
flood policy as they are historically four times the
traditional $250Nr. You could ask your bank for a copy of
their procedures that say N.F .I.P. documents are not
accepted, only LOMA.
R. Olson, President. Posted: 10/15/14
August 11, 2014
Dear Turtle Lake Resident:
Re: Comcast Letter to You
Comcast recently sent a letter to Turtle Lake Residents
which is misleading!
Do not call Comcast for service as Turtle Lake has signed a
contract with Litestream.
The contract with Litestream gives Utestream exclusive
rights to use the coax cable that feeds into your unit. No
. other company can use that wire to provide Cable TV,
Internet and/or Phone Services except Litestream.
The monthly maintenance fees pay for Basic Cable TV with
If you have not yet scheduled Basic TV Activation with
Litestrea, you must do so before September 13, 2014, when
Comcast will be completely disconnected.
TO SIGN UP WITH LITESTREAM CALL: (239) 600-0287
President, Turtle Lake Golf Colony
All Owners and especially those whose banks have threaten to or already have FORCED PLACED FLOOD INSURANCE on their units please read the following and respond to the Underwood Agency at the contact information given below.
As some of you know the Association received two different opinions from FEMA and NFIP (both are the same) regarding which buildings at Turtle Lake were in the flood zone therefore requiring flood insurance.
FEMA Maps placed all the buildings in the AH zone (flood) but the Determination made by NFIP placed: Buildings A, 2,4, 6, 7, 8, Clubhouse and the Pool House in the AH Zone (flood zone) and Flood Insurance was placed on those buildings.
Buildings 1, 3, 5, 9, 10,11 and 12 in the X zone (non-flood zone) and Flood Insurance was not placed.
Finally, the two offices (but one agency) corrected the issue and made the determination that all of the buildings were in the AH Zone (flood); subsequently, the Association place flood insurance on the buildings in question as soon as we received the determination and now the entire property is covered by Flood Insurance.
The following is the determination by National Flood Service and the response from Underwood Agency to all those owners who contacted Underwood Agency relative to their bank’s request, please read the copy of the email to one of the owners effected by this mistake:.
The National Flood Insurance program has arrived at a solution. Please forward to me:
1. Cost of force placed insurance and identify the unit it responds to.
2. Any payments that you have made for flood insurance purchase.
The NFS made a grave mistake and we are working very hard to resolve. This was not due to any board mistakes, nor our firm. When dealing with a Federal Agency the wheels of course do not move as quickly as we would like. Thank you and we are seeking a speedy resolve to the residents affected with the NFS mistake. If you would like to verify this please feel free to contact the Senior VP listed below.
Gregg Hultquist, Sr. Vice President, Customer Experience & Client Services
406.756.8656 ext. 1444 or 866.236.3948 (MOUNTAIN TIME)
555 Corporate Drive, Kalispell, MT 59901
Underwood Agency, Inc
DBA Compass Pointe Insurance
9035 Americana Road, Suite 11
Vero Beach, FL. 32966
772-778-0014 Direct Line 772-778-1155 Fax Line
Agency License L065779
Post Office Box 672, Vero Beach,Florida 32961