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in this issue
From Chaos to Comeback: The Shifting Landscape of Florida’ s Property Insurance Market By: Dillon Marksbury, MBA
Bring the Benefits of Bulking to Your Commnity By: Steve Shaw
Cover:
The Benefits— and Joys— of Living in a Community
Articles
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The Advantages of Re-Roofing a Large Association All at Once By: Cindi Bass-Bell
The Bright Side of Living in an Association
Why Electronic Payments are Safer Than Making Checks to Your HOA or Condo Association By: Matt Wilson, AMI
Departments
5 Editor’ s Note- Tonya Tremitiere 7 President’ s Letter- Janet Fernandez 14 Legislative Lens 26 New Members 29 Thanks to Our Sponsors! 37 A Big Thanks to Our Volunteers 37 Save the Date! CA Day 2026 48 Fall golf Tournament Results 52 Diamond Investors 53 Chapter Investors 58 Ad Index
“ It always seems impossible until it’ s done.”
— Nelson Mandela community is published quarterly by the West Florida Chapter of Community Associations Institute © 2025 Views and conclusions expressed in this magazine are those of the authors and not necessarily those of community, the community committee, the West Florida Chapter or Community Associations Institute. T he publisher and editors of this magazine do not accept responsibility for the content of any advertisement, including any statements made by advertisers herein or for any opinions expressed by authors of bylined articles herein. The purpose of this magazine is to provide general information only. The magazine is not intended to provide specific advice or recommendations. Legal, financial, construction or other expert advice and assistance should always be sought from applicable professionals.
Copy editor: Kris Kesling-Hays • Publisher: Scott gilbert • Advertising: Contact Kris Kesling-Hays at 941 / 927-1910 or info @ caiwestflorida. org. Submission deadline: Please review the community media kit available at www. caiwestflorida. org for dates. Magazine design: Betsy Mertz Crawford • Cover design: Tom Mertz
WWW. CAIWESTFLORIDA. ORg community • December 2025 3