Ford's Manor Village HOA is providing members with information about the property insurance rollout under Article X of the Declaration, including the alternative amendment option.
This page is for member information only. Official notices will continue through PayHOA, email, mail, and other authorized Association communication channels.
Initial notice is sent to members explaining the insurance rollout and Article X requirement.
The HOA gathers proposals and reviews available coverage, cost, deductibles, and policy terms.
Members receive a summary explaining estimated costs, coverage structure, and next steps.
Members review the information, ask questions, and learn about the two available paths.
The Association proceeds with Article X unless members pursue and approve an amendment.
The HOA evaluates a master property/casualty policy for buildings and common areas.
Owners continue carrying personal property, liability, and loss-of-use coverage.
Members receive estimated premium and assessment impact information before implementation.
Members may consider a vote to amend the Declaration and continue owner-based coverage.
Members may receive information about an amendment option that would revise the Declaration and allow the community to continue the long-standing practice of individual owners maintaining their own property/casualty insurance.
✓ The master policy path follows the current Declaration requirement.
✓ The owner-insurance path requires a formal amendment vote.
✓ Members will receive separate instructions if an amendment ballot is issued.
The Board confirms the amendment option is available if members wish to pursue it.
Amendment language is prepared to shift responsibility to individual owners.
The draft is reviewed for compliance with the governing documents and Florida law.
Members receive the cover letter, summary, ballot, deadline, and return instructions.
The HOA explains both outcomes and answers member questions before voting.
Votes are collected and counted according to the governing documents.
The vote results are recorded in the Association's official records.
If passed, the amendment is recorded. If failed, Article X implementation proceeds.
The amendment is finalized and recorded, and owners continue maintaining their own property/casualty insurance according to the amended Declaration.
Article X remains unchanged, and the HOA proceeds with implementing the master insurance policy path.
Answers to common questions about coverage, cost, and owner responsibilities.
View / Download ↓Ballot, instructions, and amendment explanation if Path B is pursued.
View / Download ↓Additional FAQs and official documents will be added as they are released.
Questions can be submitted directly through the on-page form below.