NAPLES, FLORIDA 34105
OFFICE: 239 263-3587
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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
Notice to all owners of units within the buildings listed below whose banks
have threatened or have already forced placed flood insurance on their
100 Forest Lakes; Naples, FL 34105
200 Forest Lakes Blvd; Naples, FL 34105
400 Forest Lakes Blvd; Naples, FL 34105
160 Turtle Lake Ct; Naples, FL 34105
175 Turtle Lake Ct; Naples, FL 34105
180 Turtle Lake Ct; Naples, FL 34105
300 Forest Lakes Blvd; Naples, FL 34105
As some of you know the Association received two different zone
determinations for the properties listed above. It was determined that the
first zone determination of an X zone, also known as a non-mandatory
purchase zone, was returned in error and the correct flood zone for these
properties is special flood hazard area zone AH, also known as a mandatory
purchase zone as lender’s require flood insurance for buildings located
in zone AH.
The policies for these buildings have been renewed, but due to the zone
determination service’s error described above, the policies renewed with
a lapse in coverage. The coverage was renewed with a lapse effective
November 28, 2014. We have learned that some of your lenders have received
the declaration page with the November 28, 2014 effective date and have not
forced placed coverage or have fully refunded the forced placed coverage
fee; however, this is not the case for all unit owners.
***If you have received a forced placed flood insurance coverage notice and
you have not already notified our insurance agent, please contact Amy
Itschner, Compliance Manager, for National Flood Services, at
1-888-888-2169 ext 2704 or at firstname.lastname@example.org.
Amy will provide your lender with a copy of the declaration page for the
building your unit is located in and will request the lender’s notice to
determine the amount due for the lapse in coverage period of August 21,
2014 – November 28, 2014.
Due to its contractor’s error, National Flood Services will arrange for
payment of the pro-rata premium charged by the lender for force-placed
insurance coverage during the lapse period.