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LLC

H.A.C.E.R.
Hispanic - American Cultural, Educational and Recreational Club
John Perez, President of HACER.
HACER.CLUB.LLC@GMAIL.COM
JANUARY 2018

Insurance companies underhanded ploy to avoid future claims

Some insurance companies are coming up with an in-
teresting strategy to avoid paying homeowners future
claims after you cash their settlement check.
Settlement checks sent by some insurance companies
include wording on the backside informing the endors-
er that accepting the check releases them from future
claims related to that settlement.
This ploy seems to instill in the policyholders that the
initial payment is final payment. Normally the initial payment is not final because ad-
ditional costs may come up during repairs.
Florida Statute 627.7011(3)a; For a dwelling, the insurer must initially pay at least the
actual cash value of the insured loss, less any applicable deductible. The insurer shall
pay any remaining amounts necessary to perform such repairs as work is performed
and expenses are incurred.
Greed is not a financial issue. It's a
heart issue.
Andy Stanley
People pray in one direction but
they walk in a different direction,
and direction always determines
where we end up.
Andy Stanley
People pray in one direction but
they walk in a different direction,
and direction always determines
where we end up.
Andy Stanley

Some insurance companies are including a statement that endorsing the check by the
payee “constitutes receipt and release in full” or similar statement conveying the same Greed is a bottomless pit which ex-
meaning. hausts the person in an endless
effort to satisfy the need without
This language, quietly inserted on a check, may not hold up in court. But some insur- ever reaching satisfaction.
ance companies may be hoping that policyholders will cash the check and not seek any Erich Fromm
further claims. (Cont. on page 2)
The only two things you can truly
Warrior Central Florida homeowners seek community reinforcement depend upon are gravity and greed.
against HOA Jack Palance

The residents of Poinciana, Florida, have been fighting

against Association of Poinciana Villages (APV) for years. Greed is the inventor of injustice
The alleged issue is that the developer of the community as well as the current enforcer.
controls everything about it. Julian Casablancas
The developer controls the community with its voting pow-
er. They get to cast thousands of block votes in accordance with the number of homes The problem of social organization
that they may develop on their property. With their votes, they elect representatives is how to set up an arrangement
in the APV that are beholden to them. Residents say that this is truly a situation under which greed will do the least
where Corporate America controls the community to maximize profits. harm, capitalism is that kind of a
system.
Opponents of the APV insist that 40 years of control by the developer is enough and Milton Friedman
that the residents of Poinciana should have a saying in their community.
The APV has been fighting every attempt by the homeowners' to make any changes Greed is the lack of confidence of
to the existing power structure. (Cont. on page 2) one's own ability to create.
Vanna Bonta

Happy Martin Luther King Jr. Day Leadership is a privilege to better

the lives of others. It is not an op-
Monday, January 15, 2018 portunity to satisfy personal
greed.
Mwai Kibaki

The ignorant mind, with its infinite

afflictions, passions, and evils, is
rooted in the three poisons. Greed,
anger, and delusion.
Bodhidharma

PAGE 1
 H.A.C.E.R.
(Cont. from page 1) Insurance companies underhanded ploy to avoid future claims
Another matter of concern is that some insurance companies are not responding to calls from policyholders.
One policyholder has reported calling and e-mailing American Integrity for months with no response from cus-
tomer service, the claims adjuster or the claims adjuster's supervisor. The policyholder’s insurance agent advise
was to just “keep calling.”
Anyone with any concerns should seek advice from an attorney.
Another course of action is to file a complaint with the Florida Department of Finance Services against your
insurance company at; https://www.myfloridacfo.com/division/consumers/NeedOurHelp.htm

You can also file a complaint at;

877-693-5236 Consumer.Services@myfloridacfo.com

(Cont. from page 1) Warrior Central Florida homeowners seek community reinforcement against HOA
The APV uses the homeowners' dues to pay for legal expenses. Yes, you read that right. The homeowners pay dues that are then used
for legal expenses against them.
The APV has been trying to bury their opponents in paperwork, court proceedings, and more important legal expenses.
This is truly a David vs Goliath war.
The homeowners are not giving up, a win in Poinciana is a win for the homeowners of all Florida HOAs.
The homeowners/warriors have started a GOFUNDME page to assist with their fight.
You can donate on their GOFUNDME page and even remain anonymous if you so choose.
You can click on the image below or you can “copy & paste” or click on the following link:
https://www.gofundme.com/PoincianaFreedom
To remain anonymous, just check the box labeled “hide name and comment from everyone but the organizer” under your entered
name.
If you want no platform fee charged, change the tip to “other” and enter “0.”

PAGE 2
 H.A.C.E.R.
November 2018 candidates making friends in Poinciana.
In the last few months Poinciana residents have been seeing two political candidates making their rounds in the community. These two
individuals have attended meetings, events, festivals, and even HOA polling locations.

The first candidate is Robert Doyle. Democrat Doyle, of Winter Haven, is running against Florida
Republican incumbent Senator Kelli Stargel, in Senate District 22. Redistricting put Stargel in a more
competitive district than the old Senate District 15. In her 2012 contest, she bested Democrat Stego
Blue by 17 points, but that margin shrunk to 7 points in the 2016 race against Democrat Debra
Wright.
Web page bobdoyel.com

The other candidate is Barbara Cady. Democrat Cady, of Kissimmee, filed to run against Republican
incumbent Representative Mike La Rosa, in House District 42. She’s bringing a wealth of Democratic
Party and feminist-leadership connections to run in a district where the Democrats have a solid ad-
vantage in voter registration but haven’t seriously backed a candidate in more than a decade.

Web page barbaracady.com

PAGE 3
Visit and “like” these two Facebook pages.
(click on below images)

Page 5
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H.A.C.E.R is a monthly publication that provides unbiased information of interests to the
residents of Poinciana, Kissimmee and beyond.

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