Agenda 06/12/2012 Item #16D106/12/2012 Item 16.D.10.
EXECUTIVE SUMMARY
Recommendation to approve a homeowner insurance check endorsement policy for all borrowers
assisted with purchase assistance and /or rehabilitation housing program funds and authorizes
Board Chairman or Vice Chairman, in his absence to endorse two homeowner insurance claim
checks.
OBJECTIVE: To allow homeowners in good standing with the State Housing Initiatives Partnership
(SHIP) program to deposit their homeowner insurance claim check into the bank so they can use the
funds to repair their damaged homes.
CONSIDERATION: On July 25, 2008, the subject homeowners purchased a home located at 2505 41st
Ave NE, Naples, FL 34120. Collier County approved down payment assistance through the SHIP
program and the borrowers signed a second mort gage for SHIP down payment assistance on July 25,
2008,
On January 20, 2012, the homeowners filed a homeowner's insurance claim due to water seepage damage
to their home. The total claim for damages was $9,935.68. The insurance company paid the claim minus
the homeowner's $1,000 deductible, in two separate checks. Check #1 in the amount of $7,964.41 and
check #2 in the amount of $971.37. The insurance company made the checks payable to the homeowner,
Bank of America and Collier County since all parties have an interest in the property. According to the
SHIP loan documents and SHIP local housing administrative plan (LHAP) the homeowner is not required-
to pay back any funds to Collier County unless the homeowners sell, refinance or lose their homestead
exemption on the property. None of these triggering events have occurred and the homeowner's second
mortgage loan with Collier County is in good standing. Therefore, Collier County has no claim to the
homeowner's insurance claim money that was provided to make repairs to the home.
The homeowner has expressed frustration in having to wait for her checks to be endorsed because her
house is in urgent need of repairs. Accordingly, Housing staff has developed a proposed Homeowners
Insurance Check Endorsement Policy for similar circumstances in the future. If this item is approved, the
Board Chairman or Vice Chairman, in his absence may endorse a check only if certain enumerated
documentation is provided and the homeowner is in compliance with the SHIP and /or Single Family
Home Rehabilitation program. The proposed Homeowners Insurance Check Endorsement Policy is
attached as back -up for Board consideration.
FISCAL IMPACT: There is no fiscal impact associated with this Executive Summary.
GROWTH MANAGEMENT IMPACT: There is no Growth Management Impact associated with this
Executive Summary.
LEGAL CONSIDERATIONS: This item is legally sufficient and requires a majority vote for Board
action. - JBW
RECOMMENDATION: That the Board of County Commissioners approves a homeowner insurance
check endorsement policy for all borrowers assisted with purchase assistance and/or rehabilitation
housing program funds and authorizes the Board Chairman or Vice Chairman, in his absence to endorse
two homeowner insurance claim checks.
PREPARED BY: Lisa Carr /Housing Outreach Coordinator, Housing Human and Veteran Services
Packet Page -1848-
6/12/2012 Item 16.D.10.
COLLIER COUNTY
Board of County Commissioners
Item Number: 16.D.10.
Item Summary: Recommendation to approve a homeowner insurance check
endorsement policy for all borrowers assisted with purchase assistance and /or rehabilitation
housing program funds and authorizes Board Chairman or Vice Chairman, in his absence to
endorse two homeowner insurance claim checks.
Meeting Date: 6/12/2012
Prepared By
Name: AlonsoHailey
Title: Operations Analyst, Public Service Division
6/4/2012 2:47:35 PM
Submitted by
Title: SHIP Program Coordinator
Name: CarrLisa
6/4/2012 2:47:37 PM
Approved By
Name: AlonsoHailey
Title: Operations Analyst, Public Service Division
Date: 6/4/2012 2:56:25 PM
Name: AlonsoHailey
Title: Operations Analyst, Public Service Division
Date: 6/4/2012 2:57:40 PM
Name: GrantKimberley
Title: Interim Director, HHVS
Date: 6/4/2012 3:38:01 PM
Name: WhiteJennifer
Title: Assistant County Attorney,County Attorney
Date: 6/4/2012 4:04:42 PM
Packet Page -1849-
6/12/2012 Item 16.D.10.
Name: CarnellSteve
Title: Director - Purchasing /General Services,Purchasing
Date: 6/4/2012 4:07:16 PM
Name: PryorCheryl
Title: Management/ Budget Analyst, Senior,Office of Management & Budget
Date: 6/4/2012 4:47:02 PM
Name: KlatzkowJeff
Title: County Attorney
Date: 6/5/2012 12:13:21 PM
Name: IsacksonMark
Title: Director -Corp Financial and Mgmt Svs,CMO
Date: 6/5/2012 4:06:55 PM
Packet Page -1850-
6/12/2012 Item 16.D.10.
Collier County
Housing, Human and Veteran Services (HHVS)
Homeowner Insurance Check Endorsement Policy
Collier County has provided purchase assistance and/or rehabilitation assistance to income
qualified recipients. As long as the recipient continues to own and occupy the assisted property
during the term of the mortgage /lien, then the loan will not have to be repaid.
On occasion, the recipient may file a property insurance claim with their homeowner insurance
company for damages to the assisted property and receive money to make the repairs. If the
insurance claim check is made payable to the homeowner and Collier County, then the
homeowner can request in writing that Collier County endorse the check for deposit in order to
pay for the repairs.
The following documents must be provided to HHVS at the address below for check
endorsement consideration:
1. Copy of Homeowner's current insurance policy - Declaration Page.
2. Copy of insurance company's claim report with worksheet including description of
repairs and costs.
3. Copy of photos of claim damage.
4. Copy of Insurance check(s) payable to homeowner, first lien holder and Collier County.
5. Contact phone number and email address for the homeowner.
Housing, Human and Veteran Services, 3339 Tamiami Trail E, Room 211, Attn: Housing
Manager, Naples, FL 34112
If approved, the HHVS staff will contact you to schedule an appointment to endorse the
insurance claim check.
HHVS Staff
OFFICE USE ONLY
Date
HHVS Director Date
Packet Page -1851-
0 Review
M Approved
❑' Denied
6/12/2012 Item 16.D.10.
HOMEOWNERS INSURANCE
April 24, 2012
Priority Mail
Delivery Confirmation
0311 2550 0003 5120 8008
Barbara Bullock -Young
15275 Collier Blvd.
Box 201313
Naples, FL 34119
RE: Our Insured(s):
Barbara Bullock -Young and Geminee Young
Policy Number:
FPH3 -91147
Claim Number:
009 -17172
Date of Loss:
1/1/12
First Protective Insurance Company d/b /a Frontline Homeowners Insurance
(Frontline)
Dear Mrs. & Mrs. Young:
It is our desire to thoroughly investigate every claim which is reported to us and to make
payment for those losses which are covered under your policy.
On 1/20/12, you informed us of water seepage which occurred on I /l /12. Rimkus
Consulting Group performed an inspection of your home on behalf of Frontline and
found the following:
Section It
CONCLUSIONS
1. The reported moisture damage at the Bullock- -Young residence was a result of
moisture intrusion through several doors and windows. The moisture intrusion into
the residence at these locations was attributable to improper construction
techniques. We further note that the extent of decay at the front entry door was
evident of an ongoing long -term problem of more than 3 year's duration.
2. The reported moisture damage at the lower level shower stall was the result of
moisture intrusion through the sill of the stall. We attributed this damage to improper
construction techniques.
P.O. Box 9i840i lakc \larv. Florida 32 -95 -8405
Phone (g(ns) G- 5.0141 Fax (.32 1) 249 -134(
Packet Page -1852-
6/12/2012 Item 16.D.10.
FR N Tf
HOMEOWNERS INSURANCE
Your policy with Frontline, the HO 00 03 (04/91) HOMEOWNERS 3 SPECIAL FORM,
does not provide coverage to you for faulty, inadequate, or defective workmanship,
repair, construction, or materials used in repair or construction as shown in your policy
on pages 8 and 9 of 18. Please see the policy excerpt listed below which states in part:
SECTION i - EXCLUSIONS
2. We do not insure for loss to operty described
in Coverages A and 8 caused r any of the fol-
iowing. However, any ensuing floss to property
described in Coverages A and- B not excluded or
excepted in this policy is covered.
c. Faulty, ittade pmft or detective:
(2) Design, specifications, workmanship, re-
pair construction, renovation, remodeling,
grading, compaction;
(3) Materials used in repair, construction, ren-
ovation or remodeling; or
of pe or all of any, property whether on or
off fit: •resldenoe premium.
Therefore, we must respectfully decline to make any payment on the above mentioned
claim number for damage to the doors and windows. The ensuing loss, however, is
covered under your policy. We have attached a copy of the Rimkus Consulting Group
Report and Supplemental Report for your records.
Enclosed, please find a copy of our estimate and payments for the resulting water damage
in the amount of $7,964.41 for the dwelling damage under Coverage A — Dwelling, and
$971.27 for the rot damage under your Rot Coverage. This amount is less your
$1,000.00 deductible.
Please see the payment breakdown as follows:
Coverage A - Dwelling
Dwelling repair $8,964.41
Less Deductible $1,000.00
Net payment $7,964.41
A portion of your loss was the result of increased costs due to rot. Payment for these
increased costs has been made under your rot coverage limit of $50,000.00. Please see
the following payment and coverage breakdown below:
P.O_ Box 958405 Lake \bry, Florida 32 -95 -8405
Phone (800) 675 -0145 Fax (321) 249 -1346
Packet Page -1853-
6/12/2012 Item 16.D.10.
Fr .3
HOMEOWNERS INSURANCE
Rot
Rot Damages $ 971.27
Rot Coverage
Coverage Limit $50,000.00
Less Rot Payment -$ 971.27
Remaining Mold Coverage $49,028.73
We have included all interested parties on the check. if you have questions regarding the
processing of the check, please contact each party directly.
By stating the above mentioned reasons for the partial payment of this claim, Frontline
makes no waiver of its right to deny and defend against this claim for any other valid and
lawful reason which may later be discovered or made known. Frontline expressly
reserves all such rights.
Should you have any questions or require additional assistance, please contact me at
(800) 675 -0145 Ext. 8171.
Sincerely,
Benjamin Buettner
Loss Recovery Specialist
Frontline
Cc: File Copy
Cc: Barbara Bullock -Young
2505 41" Ave. NE
Naples, FL 34120 -2837
RO. Box 95".6 Lake .Nbry' Florida 37179i-Wi
Phone (800) 675-6145 Fax (321) 249 -1340
Packet Page -1854-
M
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6/12/2012 Item 16.D.10.
FR alV T
HUNFOU IFUS ,f SGN F
CLAIMS WORKSHEET
Barbara
Bullock -Young
2505 41st Ave Naples FL 34120
009 -17172 iM!
DESCRIPTION
ESTIMATE
AMOUNT
PREVIOUS
ALLOWANCE
PREVIOUS
PAYMENT
SALES
TAX
SUBTOTAL GRAND
TOTALS
Ensuing Water Damages
Estimate: (water seepage from
windows and doors)
$5,266.62
$5,266.62
$3,697.79
$0.00
Ensuing Water Damages
Estimate: (water seepage from
shower)
$3,697.79
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$O.00
$o.oa
$o.00
SUBTOTAL COVERAGE A
$8,964.41
$0.00
$0.00
$0.00
$8,964.411 $8964.41
Rot Damage to Door
$97127
$971.27
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
SUBTOTAL ROT COVERAGE
$971.27
$0.00
$0.00
so.00i
$971.271 $971.27
SUBTOTAL
$9,935.68
$0.00
$0.00
$0.00
$9.935.681 $9,935.68
DEDUCTIBLE
-$1,000.00
NET TOTAL
$8,935.68
40612012
6/2012
1
Packet Page -1855-
6/12/2012 Item 16.D.10.
V V Y w w n +
FRONTLINE HOMEOWNERS INSURANCE 53-4 P.O. Box 958405 Lake Mary, FL 32795 -8405 APRIL 24 . 20L e30 FL
Pay to the BARBARA BULLOCK -YOUNG and GEMINEE YOUNG
and Bank of America, Isaoa $ * * * ** *7,964.41
Order Of and Collier Count
Seven Thousand Nine Hundred Sixty Four and * * * * * * * ** 41/100 Dlrs * * * ** Dollars
z
VOID AFTER 180 DAYS _
- POLICY#: FPH3- 000091147
CLAIM #: 0090017172 -
BARBARA BULLOCK -YOUNG
2505 41ST AVE
NAPLES FL 34120-2837 Bank Of America N.A.
Jacksonville. Florida
11' 599 7011' 1'�
FRONTLINE HOMEOWNERS INSURANCE DETACH AND RETAIN THIS STATEMENT
DATE: 4/24/12 CHECK #: 0059970 CHECK AMOUNT: $ * * * ** *7,964.41
POLICY #a FPH3- 000091147 LOSS DATE: 1/01/12
PAYEE: BARBARA_ BULLOCK -YOUNG and GEMINEE YOUNG
and Bank of America, Isaoa
and Collier County
CLAIM #: 0090017172 Claimant: 001 - BARBARA BULLOCK -YOU
Unit # 001 - Single Family Dwelli Coverage: CVA - Dwelling Cov A
REASON: In payment under dwelling coverage due to loss on 1/1/12
Cov.A
BARBARA BULLOCK -YOUNG
2505 41ST AVE
NAPLES FL 34120 -2837
BAB
DATE: 4/24/12 CHECK #: 0059970 CHECK AMOUNT: $ * * * ** *7,964.41
POLICY #: FPH3- 000091147 LOSS DATE: 1/01/12
PAYEE: BARBARA BULLOCK -YOUNG and GEMINEE YOUNG
and Bank of America, Isaoa
and Collier County
CLAIM #: 0090017172 Claimant: 001 - BARBARA BULLOCK -YOU
Unit # : 001 - Single Family Dwelli Coverage: CVA - Dwelling Cov A
REASON: In payment under dwelling coverage due to loss on 1/1/12
Cov.A BAB
F_ BARBARA BULLOCK -YOUNG
2505 41ST AVE
NAPLES FL 34120 -2837
L ,J
Packet Page -1856-
FRONTLINE HOMEOWNERS INSURANCE
P.O. Box 958405 Lake Mary, FL 32795 -8405
6/12/2012 Item 16.D.10.
ww%F..., .. I
APRIL 24, 20 12 V
630 FL
Pa to the BARBARA BULLOCK -YOUNG and GEMINEE YOUNG
Y and Bank of America, Isaoa
Order Of and Collier County * * * * * ** *971'2 7
Nine Hundred Seventy One and * * * * * * * * * * * * * * * * * * * * * ** 27 /100 Dlrs * * * ** DOIIarS c
VOID AFTER 180 DAYS
POLICY #: FPH3- 000091147
CLAIM #: 0090017172 -
BARBARA BULLOCK -YOUNG
2505 41ST AVE
NAPLES FL 34120-2837 Bank Of America N.A.
Jacksonville, Florida i
1115997L116 I'�
FRONTLINE HOMEOWNERS INSURANCE DETACH AND RETAIN THIS STATEMENT
DATE: 4/24/12 CHECK #: 0059971 CHECK AMOUNT: $ * * * * * ** *971.27
POLICY #: FPH3 - 000091147 LOSS DATE: 1/01/12
PAYEE: BARBARA BULLOCK -YOUNG and GEMINEE YOUNG
and Bank of America, Isaoa
and Collier County
CLAIM #: 0090017172 Claimant: 001 - BARBARA BULLOCK -YOU
Unit # 001 - Single Family Dwelli Coverage: M50 - Mold P/D 50,000
REASON: In payment under rot coverage due to loss on 1/01/12
M /50: Rot Damages
BARBARA BULLOCK -YOUNG
2505 41ST AVE
NAPLES FL 34120 -2837
M1=t7
DATE: 4/24/12 CHECK #: 0059971 CHECK AMOUNT: $ * * * * * ** *971.27
POLICY #: FPH3 - 000091147 LOSS DATE: 1/01/12
PAYEE: BARBARA BULLOCK -YOUNG and GEMINEE YOUNG
and Bank of America, Isaoa
and Collier County
CLAIM #: 0090017172 Claimant: 001 - BARBARA BULLOCK -YOU
Unit # : 001 - Single Family Dwelli Coverage: M50 - Mold P/D 50,000
REASON: In payment under rot coverage due to loss on 1/01/12
M /50: Rot Damages BAB
BARBARA BULLOCK -YOUNG
2505 41ST AVE
NAPLES FL 34120 -2837
Packet Page -1858- ,
Packet Page -1859-
6/12/2012 Item 16.D.10.
C�
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6/12/2012 Item 16.D.10.
Photograph 3
View of moisture damage in the form of stains and wood rot at the exterior jamb of the
front entry door of the residence.
Photograph 4
View of moisture damage in the form of stains at the interior jamb of the front entry door
of the residence. Note that daylight to the exterior was evident.
February 22, 2012
RCG File No. 41109180
Packet Page -1860-
6/12/2012 Item 16.D.10
Photograph 5
View of the French doors at the lower level which accessed the rear yard.
Photograph 6
Close -up view of moisture damage in the form of stains and deterioration of the stucco
finish at the head of the French doors, at the lower level which accessed the rear yard.
February 22, 2012
RCG File No. 41109180
Packet Page -1861-
6/12/2012 Item 16.D.10.
Photograph 7
Close -up view of moisture damage in the form of stains and deterioration of the stucco
finish at the jamb of the French doors at the lower level which accessed the rear yard.
Photograph 8
View of the moisture damage at the interior of the French doors at the lower level in the
form of stains at the jambs and gaps in the trim at the head.
February 22, 2012
RCG File No. 41109180
Packet Page -1862-
6/12/2012 Item 16.D.10.
Photograph 11
View of moisture damage in the form of stains typically evident at the jambs of the
majority of the windows within the residence.
Photograph 12
View of the deterioration of the caulking typically evident at the exterior jambs of the
majority of the windows.
February 22, 2012
RCG Fife No. 41 f09180
Packet Page -1863-
6/12/2012 Item 16.D.10. I
Photograph 13
View of moisture damage in the form of stains at the jamb of the master bathroom
window.
Photograph 14
View of moisture damage in the form of stains at the ceiling of the bedroom located
immediately beneath the master bathroom window.
February 22, 2012
RCG Fife No. 41109180
Packet Page -1864-
6/12/2012 Item 16.D.10.
Photograph 15
View of moisture stains in a void in the setting bed at the sill of the shower stall in the
lower level bathroom. Note that no shower pan was evident.
Photograph 16
View of moisture damage at the sill and wall adjacent to shower stall in the lower level
bathroom. Note the rusted wire mesh.
February 22, 2012
ACG File No. 41109180
Packet Page -1865-
Underwritten by:
First Protective Insurance Co.
P.O.BOX 958405
Lake Mary, FL 32795-8405
6/12/2012 Item 16.D.10.
HOMEOWNERS POLICY
NEW DECLARATIONS DATE ISSUED: 07/25/11
IF YOU HAVE QUESTIONS ABOUT- YOUR POLICY, PLEASE CONTACT YOUR AGENT AT 239-261-3646
TO REPORT A CLAIM CALL 2fih1i75.n1A5
j- -g
From: To:
FPH3-91147
7125/11 7/25/12
12:01 AM Standard Time
IF YOU HAVE QUESTIONS ABOUT- YOUR POLICY, PLEASE CONTACT YOUR AGENT AT 239-261-3646
TO REPORT A CLAIM CALL 2fih1i75.n1A5
j- -g
BARBARA BULLOCK-YOUNG
GULFSHORE INSURANCE INC.
2505 41 ST AVE N E
4100 GOODLETTE ROAD N. #100
NAPLES, FL 34120
NAPLES, FL 34103
Telephone: 239-777-9444
239-261-3646
X".-AW OR', 0* L- i" M`
TER 452L,
R1
250541STAVENE, NAPLES, FL 34120
COVERAGE IS PROVIDED WHERE LIMIT OF LIABILITY AND PREMIUM ARE SHOWN:
3777�72=_ T—TRI qwP
nwLIMROFLIABILITY:
SECTION I - PROPERTY
PREMIUM:
A. DWELLING $ 375,000 $
1,247
B. OTHER STRUCTURES $ 37,600
INCLUDED
C. PERSONAL PROPERTY $ 1B7,500
INCLUDED
D. LOSS OF USE $ 75,000
INCLUDED
SECTION I LOSSES ARE SUBJECT TO THE FOLLOWNG:
DEDUCTIBLE FOR ALL PERILS EXCEPT HURRICANE: $1,000
CALENDAR-YEAR HURRICANE DEDUCTIBLE: $7,500 (2% OF COVERAGE A)
SECTION 11 - LIABILITY
E. PERSONAL LIABILITY $ 300,000 $
18
F. MEDICAL PAYMENTS TO OTHERS $ 1,000
INCLUDED
INFLATION GUARD 4% $
47
LOSS ASSESSMENT COVERAGE S 1.000
INCLUDED
LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA (PER OCCUR RENCFJAGGREGATE) $ 50,000/50,000 $
90
ORDINANCE OR LAW COVERAGE 25%OFDWELLING
INCLUDED
PERSONAL PROPERTY REPLACEMENT COST LOSS SETTLEMENT $
354
SCREEN ENCLOSURE COVERAGE — HURRICANE DAMAGE NONE
WATER BACK-UP AND SUMP DISCHARGE OR OVERFLOW COVERAGE 5,000 $
25
:m
WIND LOSS REDUCTION CREDIT ($1,317)
INCLUDED
CITIZENS EMERGENCY ASSESSMENT FEE $
is
EMERGENCY MANAGEMENT PREPAREDNESS AND ASSISTANCE TRUST FUND SURCHARGE $
2
FLORIDA HURRICANE CATASTROPHE FUND EMERGENCY ASSESSMENT $
23
POLICY FEE $
25
p &-to R. F!
POLICY COVERAGES: OPTIONAL COVERAGES: POLICY CREDITS AND CHARGES: TOTAL ANNUAL PREMIUM:
$1,265 5516 $68 $1,849
The portion of your premium for Hurricane is: $729 T The Non-Hurricane portion of your premium is:
$1,120
rr,uc�' IU I lua)
INJUHtUo L;rJI`T
Packet Page -1866-
PAGE I OF 3
FR: NTNS�.
Underwritten by:
First Protective Insurance Co.
P.O.BOX 958405
Lake Mary, FL 32795-8405
6/12/2012 Item 16.D.10.
HOMEOWNERS POLICY
NEW DECLARATIONS DATE ISSUED: 07/25/11
F
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qmjjdffijg�fj.'�"�;
arw-rltl"
GULFSHORE INSURANCE INC.
2505 41ST AVE NE
From:
FPH3-91147
7M111 7/25/12
Telephone: 239-777-9444
12,01 AM Standard Time
F
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ftlPffil _0 R9.
- -- ---------------
BARBARA BULLOCK-YOUNG
GULFSHORE INSURANCE INC.
2505 41ST AVE NE
4100 GOODLETTE ROAD N. 4100
NAPLES, FL 34120
NAPLES, FL 34103
Telephone: 239-777-9444
Telephone: 239-261-3646
2505 41 ST AVE NE, NAPLES, FL 34120
z r -a 7, Z. r4,'
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4:494V-0�m!5 i, , ISR-4- mT!!'-zTn;- -'W;fW
TYPE: MORTGAGEE ESCROW BILLED YES
Bank oi America, ISAOA
P0 Box W206
Fort Worth, TX 76161
LOAN NUMBER: 194052724
h P-04-0 16-00-0 W-'- J-&4u;5'C t'll
W
FORM TYPE: HO-3 PROTECTION CLASS: 05 CONSTRUCTION TYPE: M NUMBER OF FAMILIES: I
TERRITORY: 551 BCEQ: 04 YEAR BUILT: 2006 OCCUPANCY: OWNER
USAGE. PRIMARY PROTECTIVE DEVICE CREDIT: BURGLAR ALARM: N FIRE ALARM: N SPRINKLERS:
'H00003(04/91) -FIM0033(06107) -FIM0023(1210) -FIM0019(09109) -FIM0017(12J10) 'H00351(01/06)
11004 46(0,V91) -1-1004 96(04/91) -HO23 B6(01/06) 'FIM0013(12!10) -FIM0024(06/07) -1-1004 95(11192)
:
FIM0037(10107)
AUTHORIZED SIGNATURE.'— DATE SIGNED: 7/25/11
FPI-DEG (01/08)
Frontline Homeowners Insurance Website: www.frorTtiinehomeownersinsurance.com
INSUREDS COPY
Packet Page -1867-
PAGE 2 OF 3
°` �..
Underwritten by:
First Protective Insurance Co.
P.O.BOX 958405
Lake Mary, FL 32795 -6405
6/12/2012 Item 16.D.10.
HOMEOWNERS POLICY
NEW DECLARATIONS DATE ISSUED: 07125/11
,SnK'sAn pp,��, `., ni K
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GULFSHORE INSURANCE INC.
From:
From:
To:
FPH3 -91147
7125/11
7125/12
Telephone: 239 - 261 -3646
12:01 AM Standard Time
��.xxt k srttsc�x nee.. � tes��cc �ssa �y � ',�sa�xarx tt
BARBARA BULLOCK -YOUNG
GULFSHORE INSURANCE INC.
2505 41ST AVE NE
4100 GOODLETTE ROAD N. #100
NAPLES, FL 34120
NAPLES, FL 34103
Telephone: 239 - 777 -9444
Telephone: 239 - 261 -3646
Irl i iN 9 FY v Sid x xxca xt x assume r was sax kC 2l d auir cr s[ us gar Yxr e a rx savmta
2505 41ST AVE NE, NAPLES, FL 34120
THIS POLICY CONTAINS A SEPARATE DEDUCTIBLE FOR
HURRICANE LOSSES, WHICH MAY RESULT IN HIGH
OUT -OF- POCKET EXPENSES TO YOU.
THIS POLICY PROVIDES AN INFLATION GUARD OPTION.
THEREFORE THE ACTUAL CALENDAR YEAR HURRICANE
DEDUCTIBLE AMOUNT AT THE TIME OF LOSS MAY BE HIGHER
THAN THE DOLLAR AMOUNT SHOWN IN THE DECLARATIONS.
LAW AND ORDINANCE COVERAGE IS AN IMPORTANT
COVERAGE THAT YOU MAY WISH TO PURCHASE. YOU MAY
ALSO NEED TO CONSIDER THE PURCHASE OF FLOOD
INSURANCE FROM THE NATIONAL FLOOD INSURANCE
PROGRAM. WITHOUT THIS COVERAGE, YOU MAY HAVE
UNCOVERED LOSSES. PLEASE DISCUSS THESE COVERAGES
WITH YOUR INSURANCE AGENT.
YOUR POLICY PROVIDES 25% OF COVERAGE A FOR LAW AND
ORDINANCE COVERAGE AT NO ADDITIONAL COST. YOU MAY
INCREASE THIS LIMIT TO 50% OF YOUR COVERAGE A
AMOUNT FOR AN ADDITIONAL CHARGE.
THIS POLICY CONTAINS A CO -PAY PROVISION THAT MAY
RESULT IN HIGH OUT -OF- POCKET EXPENSES TO YOU.
F PI -DEC (01108)
INSUREDS COPY
Packet Page -1868-
PAGE 3 OF 3
Neturn To:
Action Title Services 6/12/2012 Item 16.D.10.
-
3733 Tamiami Trail North He 111 35.50
Naples, FL 34103 DOC•,35 151.50
File: 2D�C WrDJ5' SECOND MORTGAGE
Ieth: 4194673 OR: 4382 PG: 1037
ACTION TITLI CO WCOIDID in the OIPICI,IL NICOIDS of COLLIIA MUM, PL
PICK IP 01/29/20011 at 01:07PN DTIM I. IIOCI, CLIII
Ly
THIS SECOND MORTGAGE ("Security Instrument) is givenStx(Y .Ti, 2008. The Second Mortgagor is:
C. /70
Geminee Youndand Barbara M. Bullock- Young, married
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("Borrower"). This Security Instrument is given to Collier County ( "Lender"), which is organized and existing under
the laws of the United States of America, and whose address is 3301 8. Tamiami Trail, Naples, llorida 34112 .
Borrower owes Lender the sum of forty live Thousand and 00 /100 Dollars ($45,000.00). Thisd btiisevidencW
by Borrower's Noto dated the some data as this Security irimment ( "Second Mortgage "), which provides for monthly payments, with the full
debt, If not paid earlier, due and payable on sale of property, refinance, or loss of homestead exemption
. This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the NOW with interest, and all renewals, extensions
and modifications; (b) the payment of all other sums, with interest advanced under paragraph 7 to protect the security of the Security
Instrument, and (c) the performance of Borrowers covenants and agreements under this Security Inswment and the Note. For this purpose,
Borrower does hereby second mortgage, grant and convey to Lender the following described property located in Collier County, Fiorida.
As more particularly described as Golden Gate Est Unit 63 W 106FT OF TR 34 OR 1725 PG 426, Collier County, Florida and which has the
address of:
('Property Address"): 2505 41i° Ave NE, Naples, FL 34120 ,5E A "tACHED EXHIBIT
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TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, rights, appurtenances, rents,
royalties, mineral, oil and gas rights and profits, water rights and stock and all fixtures now or hereafter a part of the property. All replacements
and additions shall also be covered by the Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property".
BORROWER COVENANTS that Borrower is lawfully seized of the estate hereby conveyed and has the right to mortgage, grant and
convey the Property and that the Property is unencumbered, exec psmbrances of record. Borrower warrants and will defend generally
the title to the Property against all claims and demands, su y ces of record.
THIS SECURITY INSTRUMENT combines u ' i e and non - uniform covenants with limited variation by
jurisdiction to constitute a uniform security instrume cal property.
UNIFORM COVENANTS. Borrower an n covenant and agree as of s:
1. Payment of Principal and Inters , Pre yment and Labe Cho rges. shall promptly pay when due the principal of and
interest on the debt evidenced by the Note.
2 Taxes. The Mortgagor will pay a ass nts r ran or we ra prior to the accrual of any penalties or interest
thereon. II
The Mortgagor shall pay or cause It be id as I , ( )(1) all taxes and governmental charges of any
kind whatsoever which may at any time be I as 0 .le led r ct to the Property, (2) all utility and other charges,
including "service charges", incurred or im t n ce, upkeep and improvement of the Property, and
(3) all assessments or other govern -ntal ay y in in a period of years, the Mortgagor shall be
obligated under the Mortgage to pay or cause id only such instadlme as a to be paid during the tens of the Mortgage, and
shall, promptly after the payment of any of the ng, forward to Mong en h payment.
3. Application of Payments. U pgii�nb�abie law provides i I / received by Lender shall be applied; first, to
interest due; and, to principal due; and last, to an Lita rges due under the No
4. Charges; Liens. Borrower shall pay a trtl> ments, 'land impositions attributable to the Property which may
attain priority over this Security Instrument, and lea pa any. Borrower shall promptly furnish to Lender all
notices of amounts to be paid under this paragraph, and a de payments.
Borrower shall promptly discharge any lien which has p is Security Instrument unless Borrower. (a) agrees in writing to
the payment of the obligation secured by the lien in a manner acceptable to Lender, (b) contests in good faith the lien by, or defends against
enforcement of the lien in, legal proceedings which in the Lenders opinion operate to prevent the enforcement of the lien; or (c) secures from
the holler of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part
of the Property is subject to a lien which may attain priority over the Security Instrument, Lender may give Borrower a notice identifying the lien.
Borrower shall satisfy the lien or take one or more of the actions set forth above within 10 days of the giving of notice.
6. Hazard or Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured
against loss by fire, hazards included within the term "extended coverage" and any other hazards, including floods or flooding, for which Lender
requires insurance. This insurance shall be maintained in the amounts and for the periods that Lender requires. The insurance carrier
providing the insurance shall be chosen by Borrower subject to Lenders approval which shall not be unreasonably withheld. If Borrower fails to
maintain coverage described above, Lender may, at Lenders option, obtain coverage to protect Lenders rights in the Property in accordance
with paragraph 7. At all times that the Nate is outstanding, the Mortgagor shall maintain insurance with respect to the Premises against such
risks and for such amounts as are customarily insured against and pay, as the same become due and payable, all premiums in respect thereto,
including, but not limited to , all -risk insurance protecting the interests of the Mortgagor and Mortgagee against loss or damage to the Premises
by fire, lightning, and other casualties customarily insured against (including boiler explosion, if appropriate), with a Imlfbrm standard extended
coverage endorsement, including debris removal coverage. Such insurance at all times to be in an amount not less then the full replacement
cost of the Premises, exclusive of footings and foundations.
All Insurance polices and renewals shall be acceptable to Larder and shah include a standard mortgage clause. Lender shall have
the right to hold the policies and renewals. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal
notices. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made
Promptly by Borrower.
Unless Lender and Borrower otherwise agree in writing, insurance proceeds shall be spoiled to restoration or repair of the Property
damaged, if the restoration or repair is economically feasible and Lenders security is not lessened. If the restoration or repair is not
economically feasible or Lenders security would be lessened, the insurance proceeds shall be applied to the sums secured by the Security
Instrument, whether or not then due, with any excess paid to Borrower. if Borrower abandons the Property, or does rot answer within 30 days
a notice from Lender that the insurance carrier has offered to settle a claim, then Lender may collect the insurance proceeds. Lender may use
the proceeds to repair or restore the Property or to pay sums secured by this Security Instrument whether or not then due. The 30-day period
will begin when the notice is mailed. Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not
extend or postpone the due date of the monthly payments referred to in paragraph 1 or change the amount of the payments. If under paragraph
21 the Property is acquired by Lender, Borrowers right to any insurance policies and proceeds resulting from damage to the Property prior to
the acquisition shall pass to Lender to the extent of the sums secured by this Seamy Instrument immediately prior to the acquisition.
6. Occupancy, Preservation, Maintenance and Protection of the Property, Borrower's Loan Application, Leaseholds. Borrower shall
occupy, establish, and use the Property as Borrowers principal residence within sixty days after the execution of this Security Instrument and
shall continue to occupy the Property as Borrowers principal residence for at least one year after the date of occupancy, unless Lender
otherwise agrees in writing, which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which are beyond
Borrowers control. Borrower shall not destroy, damage or impair the Property, show the Property to deteriorate, or commit waste on the
Property. Borrower shall be in detautt if any forfeiture action or proceeding, whether civil or criminal, is begun that in Lenders good faith
judgment could result in forfeiture of the Property or otherwise materially impair the lien created by this Security Instrument or Lenders security
Packet Page -1869-
OR: 43 6/12/2012 Item 16.D.10.
interest Borrower may cure such a default and reinstate, as provided in paragraph 18, by causing the action or proceeding to be dismissed
with a ruling that in Lender's good faith determination, precludes forfeiture of the Borrower's interest in the Property or other material
impairment of the lien created by this Security Instrument or Lenders security interest. Borrower shall also be in default if Borrower, during the
loan application process, gave materially false or inaccurate information or statements to Lender (or failed to provide Lender with any material
information) in connection with the ban evidenced by the Note, including, but not limited to, representations concerning Borrowers occupancy
of the Property as a principal residence. If this Security Instrument is on a leasehold, Borrower shall comply with all the provision of the lease.
It Borrower acquires fee We to the Property, the leasehold and the fee tltle shall not merge unless Lander agrees to tine merger in writing.
T. Protection of Lenders Rights In the Property. if Borower fails to perform the covenants and agreements contained in this
Security instrument, or there is a legal proceeding that may significantly affect Lenders rights in the Property (such as a proceeding in
bankruptcy, probate, for condemnation or forfeiture or to enforce laws or regulations), then Lender may do and pay for whatever is necessary to
protect the value of the Property and Lenders rights in the Property. Lenders actions may include paying any sums secured by a lien which
has priority, over this Security Instrument, appearing In court, paying reasonable attorneys' fees and entering on the Property to make repairs.
Although Lender may take action under this paragraph 7, Lender does not have to do so. Any amounts disbursed by Lender under this
paragraph 7 shall become additional debt of Borrower secured by this Security Instrument. Unless Borrower and Lender agree to other terms
of payment, these amounts shall Dear Interest from the date of disbursement at the Note rate and shall be payable, with interest upon notice
from Lender to Borrower requesting payment.
S. Mortgage Insurance. If Lender required mortgage insurance as a condition of making the loan secured by this Security
Instrument Borrower shall pay the premiums required to maintain the mortgage insurance in effect. If for any reason, the mortgage insurance
coverage required by Lender lapses or osases to be in effect, Borrower shall pay the premiums required to obtain coverage substantially
equivalent to the mortgage assurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the mortgage nsurance
previously in effect from an aMemete ��e
mortgage assurer approved by Lender. If substantially equivalent mortgage insurance coverage is not
available, Borrower shall pay to Lender each month a am equal to one Meft of the yearly mortgage insurance premium being paid by
Borrower when the insurance coverage lapsed or ceased to be in effect Lender will accept, use and retain theme payments as a loss reserve
in lieu of mortgage insurance. Loss reserve payments may no longer be required, at the option of lender, if mortgage insurance coverage (in
the amount and for the period that Lender requires) provided by an assurer approved by Lender again becomes available and is obtained.
Borrower shall pay the premiums required to maintain mortgage insurance in effect, or to provide a loss reserve, until the requirement for
mortgage insurance ends in accordance with any written agreement between Borrower and Lender or applicable law.
9. Inspection. Lender orb agent may make reasonable entries upon and inspections of the Property. Lender shall give Borrower
notice at the time of or prior to an Inspection specifying reasonable cause for the inspection.
10. Condemnation. The proceeds of any award or claim for damages, direct or consequential, in connection with any condemnation
or other taking of any part of the Property, or for conveyance in lieu of condemnation, are hereby assigned and shall be paid to Lender. In the
event of a total taking of the Property, the proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due,
with any excess paid to Borrower. In the event of a partial taking of the Property, in which the fair market value of the Property immediately
before the taking is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the taking, unless
Borrower and Lender otherwise agree in writing, the sums secured by this Security Instrument shall be reduced by the amount of the proceeds
multiplied by the following fraction: (a) the total amount of the 5 scuiW. immediately before the taking, divided by (b) the fair market value
of the Property immediately before the taking. Any baian r. In the event of a partial taking of the Property in which
the fair market value of the Property immediately befo a unt of the sums secured immediately for the taking,
unless Borrower and Lender otherwise agree in applicable I provides, the proceeds shall be applied to the sums
secured by this Security Instrument whether or are then due. Unless r nd Borrower otherwise agree In writing, any
application of proceeds to principal shall not a or ne the due date of the m ly aymerts referred to in paragraphs 1 or change
the amount of such payments. IN
11. Borrower Not ReMased, Fo ran B Waiver' Extent n of time for payment or modification of
amortization of the sums secured by this Sec� rity r in interest of Borrower stall not operate to
release the liability of the original Borrower o So s n I ndt be required to commence proceedings
against any successor in interest or refuse exte d e ify mor&aWn of the sums secured by this Security
Instrument by reason of any demand made g es s iriginterest Any forbearance by Lender in
exercising any right or remedy shall not be a I o precl of h edy.
12. Successors and Assigns Bou d;. , int and Several LlabiI I ne �TF�e covenants and agreements of this Security
Instrunwit shall bind and benefit the success gns of Lender and the
Provisions of paragraph 17. Borrowers covens agreements shall Ie joi Any Borrower who co-signs this Security
Instrument but does not execute the Note; (a) is this Secu ' Inst
ntY rMgage, grant and convey that Borrowers interest
in the Property under the terms of this Security 1 not personal pay the sums secured by this Security Instrument;
and agrees that Lender and any other Borrower ma r or make any accommodations with regard to the terms
of this is Security Instrument or the Note without that BO i{
13. Loan Charges. If the ban secured by this Severity M is subject to a law which sets maximum loan charges, and that
paw is finally Interpreted so that the Interest or other loan charges collected or to be collected in connection with the loan exceed the permitted
limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums
already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by
reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction will be
treated as a partial prepayment without any prepayment charge under the Note.
14. Notices. Any notice to Borrower provided for In this Security Instrument shall be given by delivering it or by mailing M by first
class mail unless applicable law required use of another method. The notice shall be directed to the Property Address or any other address
Borrower designates by notice to Lender. Any notice to Larder shall be given to Borrower or Lender when given as provided in this paragraph.
1S. Governing Law; Severabllfty, This Security Instrument shall be governed by federal law and the law of the jurisdiction in which
the Property hs located. In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable low, such
conflict shall not affect other provisions of this Security instrument or the Note which can be given effect without the conflicting provision. To
this end the provisions of this Security Instrument and the Note are declared to be severable.
16. Borrowers Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument.
17. Transfer of the Property or a Berienclal Interest In Borrower. If all or any part of the Property or any interest in it is sold or
transferred (or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person) without Lenders prior written
consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument However, this option shall
not be exercised by Lender If exercise is prohibited by federal law as of the date of this Securfty Instrument.
If Lender exercised this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days
from the date the notice is delivered or mailed within which Borrower must pay all sums secured by this Security Instrument. If Bonower fails to
pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further
notice or demand on Borrower.
16. Borrowers Right to Reinstate, If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this
Security Instrument discontinued at any time prior to the earlier of: (a) 5 days (or such other period as applicable law may specify for
reinstatement) before sale of the Property pursuant to any power of sale contained in this Security Instrument or (b) entry of a judgment
enforcing this Security Instrument Those conditions are that Borrower. (a) pays Lender all sums which then would be due under this Security
Instrument and the Note as if no acceleration had occurred; (b) Cures and default of any other covenants or agreements; (c) pays all expenses
incurred In enforcing this Security Instrument, including, but not limited to, reasonable ati0mey's fees; and (d) takes such action as Lender may
reasonably require to assure that the lien of this Security Instrument, Lenders rights in the Property and Borrowers obligation to pay the sums
secured by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower, this Security Instrument and the obligations
secured hereby shall remain fully effective as If no acceleration had occurred. However, this right to reinstate shall not apply in the case of
acceleration under paragraph 17.
19, Sale of Note; Change of Loan Servicer. The Note or a partial interest in the Note (together with this Security Instrument) may
be sold one or more times without prior notice to Borrower. A sale may result in a change in the entity (known as the "Loan Servicer') that
collects monthly payments due under the Note and this Security Instrument. There also may be one or more changes of the Loan Servicer
unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the charge in accordance with
paragraph 14 and applicable law. The notice will state the name and address of the new Loan Servicer and the address to which payments
should be made. The notice will also contain any otter information required by applicable law.
Packet Page -1870-
OR: 4 6/12/2012 Item 16.D.10.
20. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous
Substances on or in the Property. Borrower shall not do, nor allow anyone also to do, anything affecting the Property thet is In violation of any
Environmental Lew. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of
Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property.
B orrower shall promptly give Lender written notice for any investigation, claim, demand, lawsuit or other action by any governments[ or
regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Lew of which Borrower teas actual
knowledge. If Borrower learns, or is notified by any governmental or regulatory authority, that any removal or other remediation of any
Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary remedial actions in accordance with
Environmental Law.
As used in this paragraph 20, "Hazardous Substances" are those substances defined as toxic or hazardous substances by Environmental Law
and the following substances: gasoline, kerosene, other flammable or toxic petroleum products, toxic pesticides and herbicides, volatile
solvents, materials containing asbestos or formaldehyde, and
radioactive materials. As used in this paragraph 20, "Environmental Law" means federal laws and laws of the jurisdiction where the Property is
located that relate to health, safety or environmental protection.
21. Aecelati lon; Rernsdies. Lender shall give notice to Borrower prior to acceleration following Borrowers breach of any covenant
or agreement in this Security Instrument (but not prior to accelerabon under paragraph 17 unless applicable law provides otherwise). The
notice shall specify; (a) the default (b) the action required to cure the default (c) a date, not less than 30 days from the date the notice is given
to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result
in acceleration of the sums secured by this Security Instrument, foreclosure by judicial proceeding and sale of the Property. The notice shall
further inform Borrower of the right to reinstate after acceleration and the right to assert in the foreclosure proceeding the non - existence of a
default or any other defense of Borrower to acceleration and foreclosure. If the default is not cured on or before the date specified In the notice,
Lender, at Its option, may require immediate payment in full of all sums secured by this Security Instrument without further demand and may
foreclose this Security Instrument by judicial proceeding. Lender shall be entitled to collect all expenses incurred in pursuing the remedies
provided in this paragraph 21, including, but not limited to, reasonable rmomey3 fees and coats of the title evidence.
22 Release. Upon payment of all sums secured by this Security Instrument, Lender shall release this Security Instrument, without
charge, to Borrower. Borrower shall pay any recordation costs.
23. Attomeys' Fees. As used in this Security Instrument and the Note, "attorneys' fees" shall include eery attorneys' fees awarded by
an appellate court
24. Riders to this Security Instrument If one or more riders are executed by Borrower and recorded together with this Security
Instrument, the covenants and agreements of each such rider shall be incorporated into and shall amend and supplement the covenants and
agreements of this Security Instrument as if the rider(s) were apart of this Security Instrument. (Check Applicable Box)
❑ Adjustable Rate Rider ❑ Rate Improvement Rider
❑ Graduated Payment Rider ❑ Condominium Rider
yr++e ❑ 1-4 Family Rider ❑Second Home Rider
❑ Balloon Rider ❑ Biweekly Payment Rider ❑ Planned Unit Development Rider
❑ Other(s)(specify r ^�"'A R CC)
SIGNING BELOW, N r accepts and agree teI ems and covenants coots m is Security Instrument and in any rider(s) executed
by Borrower and recordedd with 1. / / \ \
Signed, std and CbVered in the
t
Cc- Bo r a ock —Young
1
Gr r {dS I'll' Aveaue iiE
STATE OF FLORIDA \1 I� C1 lorida 3412
COUNTY OF 11Jllr_tt p,—
I hereby certify that on this day, before me, an officer duly authorized in the state aforesaid and in the county aforesaid to take
acknowledgements, personal! a rr M. Bullock —Yours
y appeared GemineeYoung and Barbara Y®g to me known to be the persons) described in and who
executed the foregoing instrument and acknowledged before me that (He/ she/
WITNESS my hand and official seal in the County and State
My Commission Expires: Z
File #: 08 -115
- - -- Packet Page -1871-
the same for the purpose therein expressed.
of �N"s" - 2007.
Notary
otary
{� �"'q�
Nda PubtcS7 ftaleo —"'�— Fprka � Notary'
h4y GO- orrm M Pelham
My iisaion DD397153
Expres wili m
File #: 08 -115
- - -- Packet Page -1871-
the same for the purpose therein expressed.
of �N"s" - 2007.
File No.: 208060005
EXHIBIT A
6/12/2012 Item 16.D.10.
THE WEST 105 FEET OF TRACT 34, GOLDEN GATE ESTATES, UNIT NO. 63, ACCORDING TO THE
PLAT THEREOF, OF RECORD IN PLAT BOOK 7, PAGE(S) 63, OF THE PUBLIC RECORDS OF COLLIER
COUNTY, FLORIDA.
e�
Packet Page -1872-
a
ORIGINAL DOCUMENTS CHECKLIST & ROUTING SLIP
TO ACCOMPANY ALL ORIGINAL DOCUMENTS SENT O,6 10
THE BOARD OFC UNTY COMMISSIONERS OFFICE FOR SI
Print on pink paper. Attach to origi elk. The completed routing slip and original documents are to be forwarded to the County Attorney Office
at the time the item is placed .. a. Aikompleted routing slips and original documents must be received in the County Attorney Office no later
than Monday preceding the tr` ng.
�� ,/ **NEW** ROUTING SLIP
Complete routing lines_�,tell0fough#2 as appropriate for additional signatures,dates,and/or information needed. If the document is already complete with the
exception of the Chairman's signature,draw a line through routing lines#1 through#2,complete the checklist,and forward to the County Attorney Office.
Route to Addressee(s) (List in routing order) Office Initials Date
1. Jennifer A. Belpedio, ACA County Attorney Office \eco\\(a
2. BCC Office Board of County \pt'
Commissioners`-k
3. Minutes and Records Clerk of Court's Office ���� I t
' this Clerk's attestation is not required. Please do not route t s item to Clerk's Board Minutes and
Records. CAO please scan document after execution by Chairman nd email them to Clerk's Minute
and Records for its records. ) fi-)zfri--"0
PRIMARY CONTACT INFORMATION
Normally the primary contact is the person who created/prepared the Executive Summary. Primary contact information is needed in the event one of the
addressees above,may need to contact staff for additional or missing information.
Name of Primary Staff Raynesha Hudnell, CHS Phone Number 239-252-5312
Contact/ Department
Agenda Date Item was June 12,2012 Agenda Item Number 16D10 l/
Approved by the BCC
Type of Document Insurance Claim Check Endorsement for Number of Original
Attached Martine Jean Documents Attached
PO number or account
number if document is
to be recorded
INSTRUCTIONS & CHECKLIST
Initial the Yes column or mark"N/A"in the Not Applicable column,whichever is Yes N/A(Not
appropriate. (Initial) Applicable)
1. Does the document require the chairman's original signature? y ES 10✓, ; � RH
2. Does the document need to be sert to another agency for additional signatures?-f yes, N/A
provide the Contact Information(Name;Agency;Address;Phone)on an attached sheet.
3. Original document has been signed/initialed for legal sufficiency. (All documents to be N/A
signed by the Chairman,with the exception of most letters,must be reviewed and signed
by the Office of the County Attorney.
4. All handwritten strike-through and revisions have been initialed by the County Attorney's N/A
Office and all other parties except the BCC Chairman and the Clerk to the Board
5. The Chairman's signature line date has been entered as the date of BCC approval of the N/A
document or the final negotiated contract date whichever is applicable.
6. "Sign here"tabs are placed on the appropriate pages indicating where the Chairman's N/A
signature and initials are required.
7. In most cases(some contracts are an exception),the original document and this routing slip N/A
should be provided to the County Attorney Office at the time the item is input into SIRE.
Some documents are time sensitive and require forwarding to Tallahassee within a certain
time frame or the BCC's actions are nullified. Be aware of your deadlines!
8. The document was approved by the BCC on 06/12/2012 and all changes made during N/A is nod
the meeting have been incorporated in the attached document. The County an optiortfor
Attorney's Office has reviewed the changes, if applicable. '.-s line
9. Initials of attorney verifying that the attached document is the version approved by the N is not
BCC, all changes directed by the BCC have been made, and the document is ready fora. option for
Chairman's signature. line.
I:Forms/County Forms/BCC Forms/Original Documents Routing Slip WWS Original 9.03.04,Revised 1.26.05,Revised 2.24.05;Revised 11/30/12
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1 6 0 1 0
Memorandum
To: Kimberly Grant, CHS Director
CC: Jennifer Belpedio, Assistant County Attorney
From: Raynesha Hudnell, Grant Coordinator, Community and Human Services
Date: 05/11/2016
Re: Homeowner Insurance claim check endorsement- Martine Jean— 10254
Kingdom CT, Naples, FL 34114
The Homeowner Insurance Check Endorsement Policy approved by the Board on
June 12, 2012 (16.D.10) authorizes the Board Chairman or Vice Chairman to
endorse homeowner insurance claim checks for recipients assisted with Purchase
Assistance and/or rehabilitation program funds as Collier County is named as
Second Mortgagee on their insurance policies.
The attached check in the amount of$6,571.42 is the disbursement of the claim
funds requiring endorsement by Board Chairman Fiala or Vice Chairman. The check
names Habitat for Humanity as the first mortgage lender and Collier County
SHIP HSG, as subordinate lien holders.
In order for the check to be properly processed, proper signatures/endorsement for
all parties listed on check must be obtained. This is a time-sensitive item and must
be endorsed as soon as possible as homeowner is waiting to pay for work to be
performed on home.
Attachments:
Homeowners insurance policy-Declaration Page
Insurance claim check(#24932) $6,571.42
Insurance claim report& photos of damage
Collier County Second Mortgage loan
1
16010
Collier County
Community and Human Services (CHS)
Homeowner Insurance Check Endorsement Policy
Collier County has provided purchase assistance and/or rehabilitation assistance to income
qualified recipients. As long as the recipient continues to own and occupy the assisted property
during the term of the mortgage/lien,then the loan will not have to be repaid.
On occasion,the recipient may file a property insurance claim with their homeowner insurance
company for damages to the assisted property and receive money to make the repairs. If the
insurance claim check is made payable to the homeowner and Collier County,then the
homeowner can request in writing that Collier County endorse the check for deposit in order to
pay for the repairs.
The following documents must be provided to CHS at the address below for check endorsement
consideration:
1. Copy of Homeowner's current insurance policy-Declaration Page.
2. Copy of insurance company's claim report with worksheet including description of
repairs and costs.
3. Copy of photos of claim damage.
4. Copy of Insurance check(s)payable to homeowner, first lien holder and Collier County.
5. Contact phone number and email address for the homeowner.
Community and Human Services, 3339 Tamiami Trail E, Room 211, Attn: CHS Director,
Naples, FL 34112
If approved,the CHS staff will contact you to schedule an appointment to endorse the insurance
claim check.
OFFICE USE ONLY
File Name: ax AC iCO fl File# t- DO la
IO R54 (\ cko Cour- , Npicc rL 34 \
2,0014
� �
0-Aqy _ �. SI `I I A,Vt (P II�'Review
�o
Cl-S S aff Date
4iLJ1 6 ..)0,pproved
CHS Director Date 0 Denied
WNE S DE'CLAR ION
Oc & ah �!� ROMEO
INSURANCE �.�: _.� _;� _ OUOY NUMBER OUCY PERIOD
UNITED PROPERTY &CASUALTY INS CO To;<
P.O. Box 51149 UHV 2740505 02 01 06/04/2014 06/04/2015
Sarasota, FL 34232-0330 1 z of a.m.at the residence premises. o
RENEWAL DECLARATION Effective: 06/04/2014 Date Issued:04/07/2014
iINSUH '. AGENT 20 309c:.. ..
MARTINE JEAN BRUCE HENDRY INSURANCE INC
10254 KINGDOM CT 711 W MAIN ST
NAPLES FL 34114 IMMOKALEE FL 34142-3938
Telephone: 239-200-3214 Telephone: 239-657-3614
The residence premises covered by this policy is located at the address listed below,
10254 KINGDOM CT NAPLES FL 34114
IF PAYMENT IS NOT RECEIVED ON OR BEFORE THE POLICY RENEWAL EFFECTIVE DATE,
THIS POLICY WILL NOT BE IN FORCE.
Coverage is provided where premium and limit of liability is shown. Flood coverage is not provided and is not a
part of this policy.
SECTION I COVERAGE LIMIT OF LIABILITY PREMIUMS
A. DWELLING $162,000.00 $901.00
B. OTHER'STRUCTURES $3,240.00 INCLUDED
C. PERSONAL PROPERTY $42,182.00 -$98.00
D. LOSS OF USE $32,400.00 INCLUDED
SECTION II COVERAGE
E. PERSONAL LIABILITY $100,000.00 INCLUDED--
F. MEDICAL PAYMENTS $1,000.00 INCLUDED
OPTIONAL COVERAGES
Continued on Additional Coverages Schedule
Premium charge for Hurricane Exposure: $505.00
The above coverages are subject to a 2% I $3,240 Hurricane Deductible per
hurricane loss.
The above coverages are subject to a 10% / $16,200 Sinkhole Deductible per sinkhole loss.
The above coverages are subject to a $1,000 All Other Peril Deductible.
TOTAL POLICY PREMIUM INCLUDING ASSESSMENTS AND ALL SURCHARGES: $874.00
The amount of premium increase due to approved rate increase is $-46.00
The amount of premium increase due to coverage increase is $27.00
COVERAGES HAVE BEEN INCREASED TO HELP KEEP PACE WITH RISING REPLACEMENT COSTS.
PLEASE CONTACT YOUR AGENT IF THERE ARE ANY QUESTIONS PERTAINING TO YOUR POLICY.
.E BMe AI I titbdRSE#VlMT:B.. .. .. .......
HO 0003 (04/91) HO 0334 (05/03) COUNTERSIGNED DATE 04/07/2014
HO 0350 (06/97) HO 0355 (05/05)
HO 0446 (04/91) H0.0481 (05/96) C#
HO 0496 (04/91) HO 0599 (05/03) BY
Continued on Forms Schedule
MORTGAGEE SECOND MORTGAGEE
1198
HABITAT FOR HUMANITY COLLIER CNTY SHIP HSG
11145 TAMIAMI TRAIL E HUMAN&VETERAN SERVICES
NAPLES FL 34113 3339E TAMIAMI TRAIL,BLD HR21 1
NAPLES FL 34112
UPC 119 12 12 MORTGAGEE COPY Page 1 of 5
16h10
UPC/=-.'°"!A. HOMEOWNERS DECLARATION v
INSURANCE POLi,CY:_NtiNIBER .-::- ::. POLUGY PEftIOt3— $
UNITED PROPERTY &CASUALTY INS CO
P.O.Box 51149 UHV 2740505 02 01 06/04/2014 06/04/2015
Sarasota, FL 34232-0330
2.01 a.m. at the residence premium.
RENEWAL DECLARATION Effective. 06/04/2014 Date Issued:04/07/2014
1,:,,,, i ..
,,,le ..-..... .. ............. .-....•.. ..../.-., .. -.... ..... -..--.-.-.-. ..r
MARTINE JEAN BRUCE HENDRY INSURANCE INC
10254 KINGDOM CT 711 W MAIN ST
NAPLES FL 34114 IMMOKALEE FL 34142-3938
Telephone:239-200-3214 Telephone:239-657-3614
The residence premises covered by this policy is located at the above insured address unless otherwise stated below:
10254 KINGDOM CT NAPLES FL 34114 •
Premium:
SECTION I, SECTION II AND OPTIONAL PREMIUMS $828.00
EMERGENCY MANAGEMENT TRUST FUND SURCHARGE $2.00
MANAGING GENERAL AGENCY (MGA) POLICY FEE $25.00
FLORIDA HURRICANE CATASTROPHE FUND ASSESSMENT $11.00
2006—CITIZENS HIGH RISK ACCOUNT EMERGENCY ASSESSMENT $8.00
TOTAL POLICY PREMIUM INCLUDING ASSESSMENTS AND ALL SURCHARGES $874.00
874.00
NOTE: The portion of your premium for Hurricane Coverage is: 2g8.OD
The portion of your premium for All Other Coverages is: $
An adjustment of -5.8% is included to reflect the Building Code grade for your area.Adjustments range from 1%
surcharge to 46.1%credit.
Your policy includes endorsement HO 04 46 inflation Guard-which automatically increases the
amount of Dwelling Coverage by the annual percentage amount shown on the declaration page
(but not less than 4%). Therefore your Hurricane deductible may be higher than indicated on the
policy when a hurricane loss occurs due to application of the endorsement.
FLOOD CARRIER N/A
FORM TYPE HO-3 YEAR BUILT 2011 TOWN/ROW HOUSE 2
CONSTRUCT TYPE F CONSTRUCT SUPERIOR N NUMBER OF FAMILIES 000010
AOP TERRITORY 551 PROTECTION CLASS 04 USE CODE
MUNICIPAL CODE 999999 COUNTY CODE 021 PROT DEVICE/BURGLAR N
PROT DEVICE/FIRE N PROT DEV/SPRINKLER N PROT DEV/SHUTTER ER
WIND/HAIL EXCLUSION N REPLACEMENT COST N OCCUPANCY CODE OWNER
FLOOD CREDIT N SINKHOLE COVERAGE I WIND TERRITORY 551A
WATER PREVENTION CR N INFLATION GUARD 4%
UPC 119 12 12
MORTGAGEE COPY Page 2 of 5
HOMEOWNERS
DECLARATION'' 6 IJ 1 0
I N S tJ R A N C E POI_IGY NUMBER POLICY PERIOD.
UNITED PROPERTY &CASUALTY INS CO I?rottl. ::. .......:....: .:. . .._..To. ...::....
P.O.Box 51149 UHV 2740505 02 01 06/04/2014 06/04/2015
Sarasota, FL 34232-0330
12:01 e.m:at the resits Premises.
0
3
RENEWAL DECLARATION Effective: 06/04/2014 Date Issued: 04/07/2014
.'fl1t5t1REQ:. ...:.... ...:..: ...... ': 's 2i: ..:.. ' ...':<:... G1rT 77 1 , . ..:. :.... ..
MARTINE JEAN BRUCE HENDRY INSURANCE INC
10254 KINGDOM CT 711 W MAIN ST
NAPLES FL 34114 IMMOKALEE FL 34142-3936
Telephone:239-200-3214 Telephone:239-657-3614
The residence premises covered by this policy is located at the above insured address unless otherwise stated below:
10254 KINGDOM CT NAPLES FL 34114
LAW AND ORDINANCE COVERAGE IS AN IMPORTANT
COVERAGE THAT YOU MAY WISH TO PURCHASE. YOU MAY
ALSO NEED TO CONSIDER THE PURCHASE OF FLOOD
INSURANCE FROM THE NATIONAL FLOOD INSURANCE
PROGRAM. WITHOUT THIS COVERAGE, YOU MAY HAVE
UNCOVERED LOSSES. PLEASE DISCUSS THESE COVERAGES
WITH YOUR INSURANCE AGENT.
Coinsurance Contract: The rate charged in this policy is based upon the
use of the coinsurance clause attached to this policy, with the consent
of the insured.
A rate adjustment of 78% of wind premium is included to reflect the windstorm mitigation
features of your dwelling. Adjustments range from 0% to 89% credit subject to verification that
your home meets the windstorm mitigation characteristics of the 2001 Florida Building Code.
THIS POLICY CONTAINS A SEPARATE DEDUCTIBLE FOR
HURRICANE LOSSES, WHICH MAY RESULT IN HIGH OUT
OF POCKET EXPENSES TO YOU.
************* Additional Information *************
This replaces all previously issued policy declarations, if any. This policy applies to accidents,
occurrences, or losses which happen during the policy period shown above. In case of loss
under Section I,only that part of loss over the stated deductible applies. The declarations page
together with all policy provisions and any other applicable endorsements completes your
policy.
UPC 119 12 12 MORTGAGEE COPY Page 3 of 5
1 6 D 1 0
1
��i I
RANGE Frm
, ,�� .
o
UNITED PROPERTY&CASUALTY INS CO Z
P.O.Box 51149 UHV 274050502 01 06/04/2014 06/04/2015 0
Sarasota, FL 34232-0330 1201 a.m.at the realdence ararrlsas. i 3
ADDITIONAL COVERAGES SCHEDULE
(continued from page 1)
Coverage Type Description Limit Premium
WATER BACK-UP & SUMP OVERFLOW $25.00
I
I
1
UPC 119 12 12
MORTGAGEE COPY Page 4 of 5
1 6 0 1 0
U PCS
INSURANCE POLICY NUMBER POEfCY FEf21DD
UNITED PROPERTY & CASUALTY INS CO Eram;. To
P.O. Box 51149 UHV 2740505 02 01 06/04/2014 06/04/2015 0
Sarasota, FL 34232-0330 12:01 a.m.at the residence premises. oo
FORMS SCHEDULE
(continued from page 1)
HO 2370 (06/97) " HPINSTALL(09/12) *OIRB11655(02/10) *OIRB11670(01/06) * 01RB11802(01/12)
*UIM 424 (06/01) UPC 105 (09/06) *UPC 107 (08/99) UPC 108 (08/99) UPC 110 (08199)
UPC 112 (08/99) UPC 151 (06/06) *UPC 155 (01/06) * UPC 160 (10/05) UPC 164 (06/06)
UPC 174 (09/06) UPC 176 (10/12) UPC 184 (08/10) UPC 191 (04/13) UPC 192 (10/12)
UPC 195 (01/09) * UPC 601 (02/14) *UPC 602 (02/14)
UPC 119 12 12 MORTGAGEE COPY Page 5 of 5
� . 16010
Keep UPC Insurance
LJPci '
the PO Box 1011 I � CZt 4��
St.Petersburg,FL 33731 L• t °'tee "°-:
INSURANCE* < Promise' 1-888-CLM-DEPT
Description Quantity Unit Price Per RC Depreciation ACV
ESTIMATE:Structure (United Property&Casualty) Claim #2016FL021165, MARTINE JEAN
de Completed
FLOORPLAN: Floorplan
General Items
1 Cleaning Technician, Per Hour During Business 1 $23.64 HR $23.64 $0.00 $23.64
Hours
2 Trucking&Hauling, 1/2 Ton 1 $106.25 LD $106.25 $0.00 $106.25
General Items-Subtotal $129.89
Bathroom
i.
Length: 5'6" Width: 8'1" Height: 8'Flat [ I.
Walls: 167.33 SF Walls-subs: 167.33 SF Walls-subs-cas-bsbd: 146.57 SF
Doors: 0.00 SF Windows: 0.00 SF Openings: 0.00 SF Missing Walls: 50.00 SF `
Floor: 44.46 SF Ceiling: 44.46 SF Perim(F): 20.91 LF Perim(C): 20.91 LF li
3 Countertop,Laminate,Site Built/Post-Formed(SF) 10.83 $8.91 SF $96.50 $0.00 $96.50
Good-Rem/Reset
4 Vanity(LF)Good-Replace 5.42 $145.34 LF $787.74 $119.48 if $668.26
5 Faucet,Bath Good-Rem/Reset 2 $94.00 EA $188.00 $0.00
_. ._ $188.00
6 P-Trap&Fittings,Sink-Rem/Reset 2 $22.05 EA $44.10 $0.00 $44.10
7 Valve,Water Shutoff Angle 1/2"-Rem/Reset 5 $35.86 EA $179.30 $0.00
__..._.. $179.30
8 Mirror,Vanity 36"X 48"-Rem/Reset 2 $22.87 EA $45.74 $0.00 $45.74
. ........ ...................... .......... . ..
9 Drywall,Wall 1/2",Taped-Replace 115.19 $1.34 SF $154.35 $3.001, $151.35
El Includes 6%waste on quantity.
10 Base Molding Colonial,3 1/4"-Replace 16.42 $2.38 LF $39.08 $1.13 V $37.95
Indudes 6%waste on quantity.
11 Base Molding Colonial,3 1/4"-Paint 15.49 $0.99 LF $15.34 $0.26 le $15.08
12 Floor protection 44.46 $0.16 SF $7.12 $0.00 $7.12
. .. ..... ...._.............._....._._...... .
13 Reset Switch/Outlet Plate 3 $2.69 EA $8.07 $0.00 $8.07
14 Texture,Walls Knockdown-Replace 108.67 $0.49 SF $53.25 $0.43 V $52.82
15 Contents,Move&Protect 1
_ ..... ___..... ._.._....$31.52 HR $31.52 $0.00 $31.52
16 Prep&Mask For Painting(SF) 167.33 $0.20 SF $33.47 $0.00 $33.47
17 Ceilings 1 Coat,Brush-Paint 37.90 $0.54 SF $20.46 $1.26 V $19.20
18 Reset Sink 2 $74.72 EA $149.44 $0.00 $149.44
19 Reset Toilet Only 1 $104.41 EA $104.41 $0.00 $104.41
20 Ceilings 1 Coat,Brush-Paint 44.46 $0.54 SF $24.01 $1.48 V $22.53
21 Ceramic Paper Holder-Rem/Reset 1 $25.53 EA $25.53 $0.00 $25.53
22 Ceiling Fixture Good-Rem/Reset 1 $45.79 EA $45.79 $0.00 $45.79
Bathroom-Subtotal $1,926.18
Claim 2016FL021165 Page 1 of 5 04/22/2016
De ription al ()
Quantity Unit Price Per RC Deprati
ESTIMATE:Structure (United Property &Casualty) Claim #2016FL021165, MARTINE JEAN
Completed
52 Master bath offset(subroom of Bathroom)
Length: 2'9" Width: 3'2" Height: 8'Hat
Walls: 69.33 SF Walls-subs: 36.00 SF Walls-subs-cas-bsbd: 28.19 SF `
Doors: 33.34 SF Windows: 0.00 SF Openings: 0.00 SF Missing Walls: 25.33 SF r'
Floor: 8.71 SF Ceiling: 8.71 SF Perim(F): 2.88 LF Perim(C): 8.67 LF
23 Ceilings 1 Coat,Brush Paint 21.20 $0.54 SF $11.45 $0.71 V $10.74
24 Floor protection 8.71 $0.16 SF $1.39 $0.00 $1.39
Master bath offset(subroom of Bathroom)-Subtotal $12.13
VHall Bath
`l
Length: 5'9" Width: 75" Height 8'Flat ,
Walls: 176.16 SF Walls-subs: 166.72 SF Walls-subs-cas-bsbd: 136.27 SF
Doors: 9.44 SF Windows: 0.00 SF Openings: 0.00 SF Missing Walls: 34.50 SF fr ,,
Floor: 42.65 SF Ceiling: 42.65 SF Perim(F): 18.76 LF Perim(C): 26.34 LF
25 Countertop,Laminate,Site Built/Post-Formed(SF) 12.64 $18.52 SF $234.10 $30.75 V $203.35
Good-Replace
26 Vanity(LF)Good-Replace 5.83 $14534 LF $847.33 $128.52' $718.81
27 Faucet,Bath Good-Rem/Reset 2 $94.00 EA $188.00 $0.00 $188.00
28 P-Trap&Fittings,Sink-Rem/Reset 2 $22.05 EA $44.10 $0.00 $44.10
29 Valve,Water Shutoff Angle 1/2"-Rem/Reset 5 $35.86 EA $179.30 $0.00 $179.30
30 Mirror,Vanity 36"X 48"-Rem/Reset 2 $22.87 EA $45.74 $0.00 $45.74
31 Base Molding Colonial,3 1/4"-Replace 11.41 $2.38 LF $27.15 $0.78 V $26.37
Indudes 6%waste on quantity.
32 Base Molding Colonial,3 1/4"-Paint 10.76 $0.99 LF $10.65 $0.18 V $10.47
33 Reset Switch/Outlet Plate 3 $2.69 EA $8.07 $0.00 $8.07
34 Floor protection 42.65 $0.16 SF $6.83 $0.00 $6.83
35 Drywall,Up to 2'From Floor,Taped-Replace 11.41 $3.46 LF $39.48 $0.63'4 $38.85
Indudes 6%waste on quantity.
36 Texture,Walls Knockdown-Replace 136.27 $0.49 SF $66.78 $0.55 V $66.23
37 Contents,Move&Protect 1 $31.52 HR $31.52 $0.00 $31.52
38 Prep&Mask For Painting(SF) 166.72 $0.20 SF $33.34 $0.00 $33.34
39 Paint Textured Walls Brush-Paint 136.27 $0.76 SF $103.56 $8.52 V $95.04
40 Reset Sink 2 $74.72 EA $149.44 $0.00 $149.44
41 Reset Toilet Only 1 $104.41 EA $104.41 $0.00 $104.41
42 Ceilings 1 Coat,Brush-Paint 42.65 $0.54 SF $23.03 $1.42 if $21.61
43 Ceramic Paper Holder-Rem/Reset 1 $25.53 EA $25.53 $0.00 $25.53
44 Cased Opening,Interior,Doorway Pine-Paint 21.75 $0.70 LF $15.23 $0.82 V $14.41
45 Door Only,Interior,8'Flush-Paint 1 $47.61 EA $47.61 $3.51 V $44.10
46 Ceiling Fixture Good-Rem/Reset 1 $45.79 EA $45.79 $0.00 $45.79
Hall Bath-Subtotal
$2,10131 I
Claim 2016FL021165 Page 2 of 5 04/22/2016
1611 1U
Degcription Quantity Unit Price Per RC Depreciation ACV
ESTIMATE:Structure (United Property 8i Casualty) Claim #2016FL021165, MARTINE JEAN
r Completed
V Tub(subroom of Hall Bath)
Length: 5'9" Width: 3'1" Height: 6'Flat
Walls: 71.50 SF Walls-subs: 71.50 SF Walls-subs-cas-bsbd: 68.02 SF
:
Doors: 0.00 SF Windows: 0.00 SF Openings: 0.00 SF Missing Walls: 34.50 SF r`
Floor: 17.73 SF Ceiling: 17.73 SF Perim(F): 11.91 LF Perim(C): 11.91 LF . - 1
II
.............._.
47 Cement Backer Board-Replace 75.08 $3.26 SF $244.76 $5.01 V $239.75
Includes 5%waste on quantity.
48 Shower Rod Standard-Rem/Reset 1 $22.82 EA $22.82 $0.00 $22.82
49 Cap Drain Line 1 $34.17 EA $34.17 $0.00
$34.17
50 Insulation,Wall,Batt,Faced 3 1/2"-Replace 34.50 $0.79 SF $27.26 $0.83 V $26.43
......_.._._..... . .._. ......
51 Floor/Tub protection 17.73 $0.16 SF $2.83 $0.00 $2.83
52 Bath/Shower Unit Good-Replace 1 $575.89 EA $575.89 $83.38 V $492.51
Tub(subroom of Hall Bath)-Subtotal $818.51
572 Kitchen
FE
Length: 12'9" Width: 10'10" Height: 8'Flat
ii
Walls: 377.34 SF Walls-subs: 249.84 SF Walls-subs-cas-bsbd: 239.58 SF
Doors: 0.00 SF Windows: 0.00 SF Openings: 128.00 SF Missing Walls: 0.00 SF
Floor: 138.13 SF Ceiling: 138.13 SF Perim(F): 35.08 LF Perim(C): 27.25 LF
53 Base Molding Colonial,3 1/4"-Replace 11.48 $2.38 LF $27.32 $0.79 V $26.53
Includes 6%waste on quantity.
54 Base Molding Colonial,3 1/4"-Paint 35.08 $0.99 LF $34.73 $0.58 V $34.15
55 Reset Switch/Outlet Plate 1 $2.69 EA $2.69 $0.00 $2.69
56 Floor protection 138.13 $0.16 SF $22.10 $0.00 $22.10
57 Texture,Walls Knockdown-Replace 83.51 $0.49 SF $40.92 $0.33 V $40.59
58 Walls 1 Coat,Roller-Paint 127.18 $0.36 SF $45.78 $4.24 V $41.54
59 Paint Textured Walls Brush-Paint 83.51 $0.76 SF $63.47 $5.22 V $58.25
60 Drywall,Wall 1/2",Taped-Replace 91.87 $1.34 SF $123.11 $2.39 V $120.72
LI Indudes 6%waste on quantity.
Kitchen-Subtotal $346.57
Living Room
Length: 14'10" Width: 16'10" Height: 8'Flat
Walls: 478.68 SF Walls-subs: 349.73 SF Walls-subs-cas-bsbd: 316.48 SF
1
Doors: 26.11 SF Windows: 32.00 SF Openings: 71.33 SF Missing Walls: 28.00 SF 11
Floor: 249.69 SF Ceiling: 249.69 SF Perim(F): 49.82 LF Perim(C): 46.99 LF '±
61 Ceilings 1 Coat,Brush-Paint 249.69 $0.54 SF $134.84 $8.33 V $126.51
62 Walls 1 Coat,Roller-Paint 316.48 $0.36 SF $113.93 $10.55 V $103.38
63 Contents, Move&Protect 1 $31.52 HR $31.52 $0.00 $31.52
Claim 2016FL021165 Page 3 of 5 04/22/2016
Description 160101
Quantity Unit Price Per RC Depreciation ACV
ESTIMATE:Structure (United Property &Casualty) Claim #2016FL021165, MARTINE JEAN
Completed
Living Room(con't)
64 Prep&Mask For Painting(SF) 349.73 $0.20 SF $69.94 $0.00 $69.94
65 Floor protection 249.69 $0.16 SF $39.95 $0.00 $39.95
66 Base Molding Colonial,3 1/4"-Paint 49.82 $0.99 LF $49.32 $0.83 V. $48.49
Living Room-Subtotal
$419.79
Floorplan- Subtotal ` $5,754.3.8
Claim 2016FL021165 Page 4 of 5 04/22/2016
161310
ESTIMATE:Structure (United Property&Casualty) Claim #2016FL021165, MARTINE JEAN
Completed
Total Materials: $2,153.80
Total Labor:
$3,989.98
Total Equipment: $36.51
Total Market Conditions: $0.00
Subtotal: $6,180.29
Add 10.00%overhead: $618.03
Add 10.00%profit: $618.03
Subtotal:
$7,416.35
Sales Tax 6.000%(applies to materials only): $155.07
Replacement Cost Value: $7,571.42
Less Recoverable Depreciation (includes taxes): $(451.46)
Less Non-Recoverable Depreciation(includes taxes): $0.00
Net ACV Estimate: $7,119.96
Deductible: $(1,000.00)
Net Estimate: $6,119.96
Total Net Recoverable Depreciation: $451.46
Net Estimate if Depreciation is Recovered: $6,571.42
"This adjuster,the author of this estimate, has authority to: (1)approve or deny claims;or,(2)bind UPC
as to coverage for your claim or the amount of your loss,if any.A copy of this estimate represents full or partial settlement of this claim on the part of
UPC.The estimate is subject to the
review,modification and adjustment by UPC limited to the application of policy limitations,exclusions and deductible provisions.Any additional repairs
to,or replacement of,items not included in this estimate are also subject to UPC's inspection and approval.You are required to keep all records,
cancelled checks,inspection reports,etc.,as proof of repair/replacement in the event of any future loss and pursuant to your post-loss duties under
your insurance policy.This estimate is not an authorization of repair.The hiring of a contractor is strictly the decision of the UPC policyholder."
Finalization
Claim 2016FL021165 Page 5 of 5 04/22/2016
p -NI Keep UPC Insurance
the PO Box 1011
St.Petersburg,FL 33731
INSURANCE Promise. 1-888-CLM-DEPT
CLAIM NO.:2016FL021165 Reins ection■
160101
Policy No.: UHV274050503 MARTINE JEAN
Date of Loss: 11/17/2015 12:01 PM 10254 KINGDOM CT
NAPLES FL 34114
Type of Loss: Wind-Other Than Hurricane Home phone:
Deductible: multiple Business phone:
Mobile phone: 1 (239) 298-3518
Year Built: Cat No.: Bus. Fax: +1 (239) 298-3518
Adjuster: upc api Contact: MARTINE JEAN 1 (239)
298-3518
Phone: Loss address:
10254 KINGDOM CT
Email: claims@upcinsurance.com NAPLES FL 34114
Status: b Claim Opened Age: 149d ... Assignees:Janine Rees + 2 others
Originated: 01/27/2016, 1:46 PM by upc api (United Property & Casualty)
m+
441,* -� �� ,r w.�+^ � r e. .. s 4 444 � ��« s.�� ", �� .7-'4%
Created: 01/27/2016 Assigned: 04/11/2016 Policy Type:
Received: 01/27/2016 Contacted: 01/28/2016 Renewed: time(s)
Inspected: 01/29/2016 Estimated:
Effective from: 06/04/2015 to: 06/04/2016
Approved: Job Started: Coverage Limits Deductible Reserve
$168,000.00 $1,000.00 $4,800.00
Completed: Closed: $168,000.00 $1,000.00 $500.00
$168,000.00 $1,000.00 $100.00
Overall risk condition: •
2016-01-27
Wind-Other Than Hurricane
".z .A t 'e'a, 41
Wind storm caused mold damages to the floors in the bathroom and kitchen. All known information
provided.
Rytech of Lee and Collier Mold
United Property and Casualty
2016FL021165
Claim 2016FL021165 Page 1 of 13 04/15/2016
160101 1
Adjuster: Janine Rees
This is the estimate for mold remediation. It is based on visual observation only since no protocol or air
data was provided.
The goal of the process is to obtain an acceptable standard of cleanliness and air quality in the
structure. Since mold is everywhere, moisture intrusion into the structure will create new problems.
There is no way to guarantee that there will be no mold problems in the future for any structure. The
only safeguard is the proper control of moisture and humidity within the structure. That is the job of the
owner and is not within the control of the contractor. If additional testing is required after the clearance
testing, this would be done at an additional cost.
All work to be completed in a workmanlike manner according to standard practices. Any requested
work beyond the scope of work covered in this estimate or additional contamination found involving
extra costs, will become an extra charge over and above this estimate.
By signing below, homeowner accepts the above statement as well as the scope of work outlined in
this estimate.
HOMEOWNER
cioN ; Keep
UPC Insurance 1 60 10
UP the PO Box 1011
St Petersburg,FL 33731
INSURANC -E1Promise- 1-888-CLM-DEPT
MOLD:
A 4 282"
. jel
11'9" 3'Is' 11'5"
4 ,
— ,
0 -
(71 3rd Bedroom , 4
Master Bedroom
co= . '• N 2n510:1 t ,
IN 14,1,,,prip ,
.......,:e.--- ' Nallway
F81 i
11'9"
/
MIN INI
9' .
7.1 .
:
F.., co
2nd Bedroom 3'2" Master Bath c°
,7„,
,4 Close. - 8.511
Itil Pi
• 114"
ilf5V" 4 _
/ in Hall Bath
Ln fr31
114"
it-
Living Room ,--1
t--
) ing Room (original kitch: )1
,--1
ii-31 roil
11'5"
. Kitchen
AM! 7-1
Genera
4...... , _
- 1-1
1 Items
rel
1.--
Storage Closet
WI
Claim 2016FL021165 Page 3 of 13 04/15/2016
1 6 D 1 (
U PC ee UPC Insurance
PO Box 1011
St.Petersburg,FL 33731
INSURANCE ; Promise- 1-888-CLM-DEPT
Description Quantity Unit Price Per Total Cost
ESTIMATE:MOLD (Rytech, Inc.) Claim #2016FL021165, MARTINE JEAN
In'progress„
E2 FLOORPLAN: MOLD
0 General Items
1 Cleanup&Debris Removal 6 $31.52 HR $189.12
0 Excluded from Sales Tax calculation.
Q Excluded from O&P calculation.
2 Replace-HEPA Filters Canister/Backpack Vacuum $58.53 EA $58.53
Q Excluded from Sales Tax calculation.
O Excluded from O&P calculation.
3 Replace-HEPA Filters Negative Air Exhaust Fan 0.67 $163.32 EA $109.42
0 Exduded from Sales Tax calculation.
Excluded from O&P calculation.
4 Equipment Set-up,Take Down,&Monitor During Business Hours 41111( 5 $45.34 HR $226.70
• Excluded from Sales Tax calculation.
Q E• xcluded from O&P calculation.
5 Decontaminate Equipment $17.91 EA $53.73
0 E• xcluded from Sales Tax calculation.
0 Excluded from O&P calculation.
6 PPE Daily,Per Person 2 $15.37 DY $30.74
• Excluded from Sales Tax calculation.
Excluded from O&P calculation.
7 PPE Respirator 2 $39.43 EA $78.86
0 Excluded from Sales Tax calcula '-•n
• Excluded from O&P calculatio
8 PPE Respirator Filters 2 $14.03 PR $28.06
• Excluded from Sales Tax calculation.
0 Excluded from O&P calculation.
9 Contamination,Air or S ace s'ng 1 $500.00 EA $500.00
• Estimated am. n .Subcon i Dice to be provided.
• Excluded frim ales' Tax calcula'en.
i Excluded fro Oc r calculation.
General Items-Subto • (• 'ems) $1,275.16
T2 Linen -. --
Length: 1'3" Width: 2' Height: 8'Flat C///
Walls: 52.00 SF Walls-subs: 40.89 SF Walls-subs-cas-bsbd: 36.78 SF ,
Doors: 11.11 SF Windows: 0.00 SF Openings: 0.00 SF Missing Walls: 0.00 SF
\,
Floor: 2.50 SF Ceiling: 2.50 SF Perim(F): 4.50 LF Perim(C): 6.50 LF i T
10 Contents,Move&Protect 1 $31.52 HR $31.52
• Excluded from Sales Tax calculation.
• Excluded from O&P calculation.
Claim 2016FL021165 Page 4 of 13 04/15/2016
16010 ,
UPC Insurance
u p Keep
the PO Box 1011
St.Petersburg, FL 33731
INSURANCE Pro ise" 1-888-CLM-DEPT
Description Quantity Unit Price Per Total Cost
ESTIMATE MOLD (Rytech, Inc.) ' Claim #2016FL021165, MARTINE JEAN
[ `'.Ih progress
Linen(con't)
11 Apply Anti-Microbial Agent During Business Hours 45.89 $0.20 SF $9.18
rj E• xcluded from Sales Tax calculation.
0 Excluded from O&P calculation.
12 Hepa Vac,Detailed(SF) 4 .89 $0.81 SF $37.17
• Excluded from Sales Tax calculation.
O Excluded from O&P calculation.
Linen-Subtotal(3 items) $77.87
V Master Bath
Length: 11'7" Width: 8'3" Height: 8'Flat
Walls: 317.33 SF Walls-subs: 289.55 SF Walls-subs-cas-bsbd: .17+•F
Doors: 27.78 SF Windows: 0.00 SF Openings: 0.00 SF Missills: 0.00 SF
Floor: 65.85 SF Ceiling: 65.85 SF Perim(F): 35.07 LF Perim(C \9.67 LF
13 Remove-Countertop,Laminate(LF)Good iltiplitior 5.00 $4.40 LF $22.00
E• xcluded from Sales Tax calculation.
O Excluded from O&P calculation.
14 Remove-Vanity(LF)Good 5.00 $4.80 LF $24.00
0 E• xcluded from Sales Tax calculation
E• xcluded from O&P calculation.
15 Contents,Move&Protect 1 $31.52 HR $31.52
• Excluded from Sales Tax calcula-..n.
Excluded from O&P calculation.
16 Remove-Mirror Wall,Plate Glass, 1/4" 15.00 $1.53 SF $22.95
• Not responsible f. .rea .
• Excluded fro 'a s Tax ca .la"gin.
O Excluded from •&P calculation.
17 Remove-P-Trap& "tti s,Sink 2 $5.25 EA $10.50
• Exduded from Sal- Ta .lcul.so
O Excluded from O&P calci .tio .
18 Remove-Valve,Water Shutoff Ang - 1/2" 4 $11.21 EA $44.84
Excluded from Sales Tax calculation.
0 E• xcluded from O&P calculation.
19 Remove-Supply Line Sink, Flexible 4 $3.36 EA $13.44
0 Excluded from Sales Tax calculation.
O Excluded from O&P calculation.
20 Remove-Supply Line Toilet, Rigid 1 $3.60 EA $3.60
O Excluded from Sales Tax calculation.
• Excluded from O&P calculation.
21 Remove-Toilet/Water Closet 1 Piece,Good 1 $64.34 EA $64.34
Claim 2016FL021165 Page 5 of 13 04/15/2016
1604 1,
Keep UPC Insurance
,. the PO Box 1011
St.Petersburg, FL 33731
INSURANCE Promise"" 1-888-CLM-DEPT
Description Quantity Unit Price Per Total Cost
ESTIMATE: MOLD (Rytech, Inc.) Claim #2016FL021165, MARTINE JEAN
[ `In progress
0 Excluded from Sales Tax calculation.
O Excluded from O&P calculation.
22 Tear Out&Bag Wet Drywall(SF)Category 3 Water 84.00 $0.75 SF $63.00
Excluded from Sales Tax calculation.
Q Excluded from O&P calculation.
23 Tear Out&Bag Trim/Base During Business Hours .1 1 $0.33 LF $3.96
O Excluded from Sales Tax calculation.
Excluded from O&P calculation.
24 Apply Anti-Microbial Agent During Business Hours 421.25 $0.20 SF $84.25
• Excluded from Sales Tax calculation.
• Exduded from O&P calculation.
25 Hepa Vac,Detailed(SF) 421.25 $0.81 SF $341.21
O Excluded from Sales Tax calculation.
Excluded from O&P calculation.
26 Containment/Airlock Chamber During Business Hours .00 $0.70 SF $22.40
0 Excluded from Sales Tax calculation.
Excluded from O&P calculation.
27 Containment Chamber Zipper 1 $25.36 EA $25.36
Excluded from Sales Tax calculation.
O Excluded from O&P calculation.
28 Negative Air Machine,per Day Small 5 $74.43 DY $372.15
O 1 unit for 5 days.
Excluded from Sales Tax calc ati+
O Excluded from O&P calculation.
Master Bath-Subtotal(16 items) $1,149.52
Hall Bath
Length: 11'4" Width: 5'5' Height: 8'Flat
Walls: 268.00 SF „ails-subs: 48 00 SF Walls-subs-cas-bsbd: 236.28 SF
Doors: 20.00 SF in*•ws: 0 00 F Openings: 0.00 SF Missing Walls: 0.00 SF
Floor: 61.39 SF Ceih : = .3 SF Perim(F): 30.21 LF Perim(C): 33.50 LF
29 Remove-Countertop, Laminate(LF)Good 5.00 $4.40 LF $22.00
Excluded from Sales Tax calculation.
O Excluded from O&P calculation.
30 Remove-Vanity(LF)Good 5.00 $4.80 LF $24.00
• Excluded from Sales Tax calculation.
O Excluded from O&P calculation.
31 Contents,Move&Protect 1 $31.52 HR $31.52
O Excluded from Sales Tax calculation.
• Excluded from O&P calculation.
Claim 2016FL021165 Page 6 of 13 04/15/2016
16010
U Dt' -N- ti
UPC Insurance
� PO Box 1011
St.Petersburg,FL 33731
INSURANCE' Promise"` 1-888-CLM-DEPT
Description Quantity Unit Price Per Total Cost
ESTIMATE: MOLD (Rytech,Inc.) . ',- Claim #2016FL021165,-MARTINE JEAN
In progress _ _
v Hall Bath(con't)
32 Remove-Mirror Wall,Plate Glass, 1/4" 15.00 $1.53 SF $22.95
O Not responsible for breakage.
0 Excluded from Sales Tax calculation.
0 Excluded from O&P calculation.
33 Remove-P-Trap&Fittings,Sink $5.25 EA $10.50
0 Excluded from Sales Tax calculation.
0 Excluded from O&P calculation.
34 Remove-Valve,Water Shutoff Angle 1/2" 4 $11.21 EA $44.84
O Excluded from Sales Tax calculation.
0 Excluded from O&P calculation.
35 Remove-Supply Line Sink,Flexible 4 $3.36 EA $13.44
O Excluded from Sales Tax calculation.
0 E• xcluded from O&P calculation.
36 Remove-Supply Line Toilet,Rigid $3.60 EA $3.60
O Excluded from Sales Tax calculation.
O Excluded from O&P calculation.
37 Remove-Toilet/Water Closet 1 Piece,Good 1 $64.34 EA $64.34
O Excluded from Sales Tax calculation.
0 Excluded from O&P calculation.
38 Plumbing Fixtures,Remove&Bag Shower au t 1 $34.78 EA $34.78
O Excluded from Sales Tax calcula'+n
0 Excluded from O&P calculation.
39 Remove-Bath/Shower Unit Good 1 $76.69 EA $76.69
O Excluded from Sales Tax calculation.
0 E• xcluded from O&P calculation.
40 Remove-Base,Cerami i e 0et 10.00 $0.98 LF $9.80
O Excluded fro a -s Tax ca la n.
O Excluded fr m +1&P calculation.
41 Tear Out&Bag W „all(SF)Categpry Water 134.00 $0.75 SF $100.50
0 E• xcluded from Sal Ta .Icul. o
O Excluded from O&P calc do .
42 Tear Out&Bag Trim/Base During siness Hours 14.00 $0.33 LF $4.62
O Excluded from Sales Tax calculation.
0 Excluded from O&P calculation.
43 Apply Anti-Microbial Agent During Business Hours 370.78 $0.20 SF $74.15
[e ] Excluded from Sales Tax calculation.
0 E• xcluded from O&P calculation.
44 Hepa Vac,Detailed(SF) 370.78 $0.81 SF $300.33
CI E• xcluded from Sales Tax calculation.
O Excluded from O&P calculation.
Hall Bath-Subtotal(16 items) $838.06
Claim 2016FL021165 Page 7 of 13 04/15/2016
PCP . e' UPC Insurance
, tiIe POBox ioll
St.Petersburg,FL 33731 160 1 0
INSURANCE Pr'OrniSe" 1-888-CLM-DEPT
Description Quantity Unit Price Per Total Cost
ESTIMATE:.MOLD (Rytech, Inc.) Claim #2016FL021165, MARTINE JEAN
In progress
10 Dining Room(original kitchen)
Length: 11'4" Width: 107" Height: 8'Flat
Walls: 175.34 SF Walls-subs: 175.34 SF Walls-subs-cas-bsbd: 168.94 SF
Doors: 0.00 SF Windows: 0.00 SF Openings: 0.00 SF Missing V(�1 II . 7 4 SF
Floor: 119.94 SF Ceiling: 119.94 SF Perim(F): 21.91 LF Perim(C} 21.91 L
45 Contents,Move&Protect 1 $31.52 HR $31.52
O Excluded from Sales Tax calculation.
O Excluded from O&P calculation.
46 Remove-Floor Tile,Vinyl,Composition Good411( 44.00 $0.42 SF $18.48
• Remove the exposed vinyl tiles along the wall only
E• xcluded from Sales Tax calculation.
Excluded from O&P calculation.
47 Containment Chamber,Adjustable Pole During Business .0 s 30 $5.24 EA $157.20
0 6 units for 5 days to contain hall bath and dining roo fr. re a prop-
0 E• xcluded from Sales Tax calculation.
Q Excluded from O&P calculation.
48 Containment/Airlock Chamber During Business Hours 300.00 $0.70 SF $210.00
E• xcluded from Sales Tax calculation
E• xcluded from O&P calculation.
49 Containment Chamber Zipper 1 $25.36 EA $25.36
• Excluded from Sales Tax calculaton.
• Exduded from O&P calculation.
50 Tear Out&Bag Wet Drywall(SF)Category 3 Wa 88.00 $0.75 SF $66.00
• Excluded from Sa ax lation.
• Excluded fro calcula . .
51 Tear Out&Bag i ,:.se During Busies Hours 9.00 $0.33 LF $2.97
I E• xcluded fro a Tax calculati. .
0 E• xcluded from O I ation.
52 Apply Anti-Microbial Agent Du ' : s' ess Hours 415.22 $0.20 SF $83.05
• Excluded from Sales Tax cal ation.
0 Excluded from O&P calculation.
53 Hepa Vac,Detailed(SF) 415.22 $0.81 SF $336.33
• Excluded from Sales Tax calculation.
0 E• xcluded from O&P calculation.
54 Negative Air Machine,per Day Small 5 $74.43 DY $372.15
1 unit for 5 days.
0 Excluded from Sales Tax calculation.
Q Excluded from O&P calculation.
Dining Room(original kitchen)-Subtotal (10 items) $1,303.06
Claim 2016FL021165 Page 8 of 13 04/15/2016
PC(N' tKheee P UPC Insurance
PO Box 1011
INSURANCE Pronlise- i.8131,):_tcersi.mbi-888 33731 1 6 0 1 0
Description Quantity Unit Price Per Total Cost
ESTIMATE:MOLD(Rytech, Inc.) Claim #201.6FL021165, MARTINE JEAN
in progress
MOLD-Subtotal (54 items) $4,643.67
Claim 2016FL021165 Page 9 of 13 04/15/2016
u pcti
1 60 10
St.Petersburg,FL 33731
I N S U R A N C E' Promise 1-888-CLM-DEPT
ESTIMATE: MOLD (Rytech, Inc.) Claim #2016FL021165, MARTINE JEAN
-A, In progress
Efi FLOORPLAN: Floorplan Quantity
Walls
3,877.37 SF
Walls and Ceilings
5,046.78 SF
Floors
1, •169 41 SF
Floor Perimeter
388.98 LF
Ceilings
1/169.41 SF
Ceiling Perimeter
444.80 LF
FLOORPLAN: MOLD Quantity
Walls
43,972288.9696 SF Walls and Ceilings , .
Floors
1,200.33 SF
Floor Perimeter
402.96 LF
Ceilings
1,200.33 SF
Ceiling Perimeter 466.09 LF
Recap by Area Total Cost Percentage
Hallway
V7'- $0.00 0.00%
tub&closets $0.00 0.00%
Bathroom $0.00 0.00%
Hall Bath $0.00 0.00%
Kitchen $0.00 0.00%
Living Room $0.00 0.00%
Kids Bedroom
0 $0.00 0.00%
Linen doset $0.00 0.00%
Master bath offset $0.00 0.00%
Bedroom $0.00 0.00%
Master Bedroom $0.00 0.00%
Shower $0.00 0.00%
HVAC
N $0.00 0.00%
Tub $0.00 0.00%
Room $0.00 0.00%
Closet $0.00 0.00%
Closet 2 $0.00 0.00%
Closet 3 $0.00 0.00%
1
General Items $0.00 0.00%
3rd Bedroom $0.00 0.00%
3rd closet $0.00 0.00% ,
2nd Closet $0.00 0.00%
2nd Bedroom $0.00 0.00%
Hallway $0.00 0.0o%
Master Bedroom $0.00 0.00%
Master Closet $0.00 0.00%
Claim 2016FL021165 Page 10 of 13 04/15/2016
Li pCfeiliN Keep
MIAlii1111.11.11111111i11. ' the UPC Insurance
PO Box 1011 1 60 10
St.Petersburg FL 33731
I N S U R A N C E. ' Promise1-888-CLM-DEPT
ESTIMATE: MOLD (Rytech, Inc.) Claim #2016FL021165, MARTINE JEAN
-4. In progress
Linen
$77.87 1.68%
Master Bath $1,149.52 24.75%
A/H Closet
$0.00 0.00%
Hall Bath $838.06 18.05%
Dining Room(original kitchen) $1,303.06 28.06%
Living Room $0.00 0.00%
Kitchen $0.00 0.00%
Storage Closet $0.00 0.00%
General Items $1, 5.16 27.46%
Total,all areas $4,• 3.67 100.00%
Recap by Category Total Cost Percentage
CAB-Cabinetry-CAB-Countertops $44.00 0.95%
CAB-Cabinetry-CAB-Vanity $48.00 1.03%
CLN-Cleaning-CLN-Ceiling,Floors and Walls $1,015.04 21.86%
CPS-Contents-Packing,Handling,Storage $126.08 2.72%
FCO-Floor Covering-FCO-Vinyl $18.48 0.40%
LAB-Labor Only
$189.12 4.07%
MIT-Mitigation-MIT-Equipment&Accessories $1,633.00 35.17%
MIT-Mitigation-MIT-Mold Remediation $888.29 19.13%
MIT-Mitigation-MIT-Water Mitigation $241.05 5.19%
PLM-Plumbing-PLM-Faucets $34.78 0.75%
PLM-Plumbing-PLM-Piping&Exterior Unes $34.08 0.73%
PLM-Plumbing-PLM-Rough Plumbing $110.68 2.38%
PLM-Plumbing-PLM-Showers $76.69 1.65%
PLM-Plumbing-PLM-Toilets&Bidets $128.68 2.77%
TIL-Tile $9.80 0.21%
WDW-Windows-WDW-Reglazin. 1 •-'airs $45.90 0.99%
Total,all categories
<I ) $4,643.67 100.00%
I
Claim 2016FL021165 Page 11 of 13 04/15/2016
UPC Insurance 1 6 p 10 1
u pc/0N Kthee7P
PO Box 1011
St.Petersburg,FL 33731
INSURANCE"' PrOrniSe 1-888-CLM-DEPT
ESTIMATE: MOLD (Rytech, Inc.) Claim #2016FL021165, MARTINE JEAN
,
In progress
MATERIALS Quantity Purchase Qty Total
Apply Anti-Microbial Agent During Business Hours 1,253.14 SF n/a $50.13
Containment Chamber Zipper 2 EA n/a $28.04
Containment Chamber,Adjustable Pole During Business Hours 30 EA n/a $15.30
Containment/Airlock Chamber During Business Hours 332.00 SF n/a $53.12
Decontaminate Equipment 3 EA n/a $0.54
HEPA Filters Canister/Backpack Vacuum(Replace) 1 EA n/a $50.66
HEPA Filters Negative Air Exhaust Fan(Replace) 0.67 EA n . $104.15
Hepa Vac,Detailed(SF) 1,253.14 SF n • $200.50
Plumbing Fixtures,Remove&Bag Shower Faucet 1 E' n/a $8.24
PPE Daily,Per Person ay n/a $30.74
PPE Respirator 2 A n/a $78.86
PPE Respirator Filters •R n/a $28.06
Tear Out&Bag Trim/Base During Business Hours 35.'I n/a $1.05
Tear Out&Bag Wet Drywall(SF)Category 3 Water 306.00 S n/a $24.48
$673.87
LABOR ' , ' stiantiv Rate Total
1 CLEANING LABORER ..40 hrs $23.64 $387.51
1 LABORER "1930 hrs $31.52 $608.68
1 LABORER ^4.40 hrs $31.52 $44.00
1 PLUMBER "'2.00 hrs $64.34 $128.68
1 PLUMBER&1 LABORER "'1.60 hrs $47.93 $76.69
1 WATER REMEDIATION TECHNICIAN
"'41.20 hrs
"81.90 hrs $45.34 $1,867.16
,
$3 112.72
EQUIPMENT Quantity Total
Hepa Vac,Detailed(SF) 1,253.14 SF $112.78
Negative Air Machine,per Day a
10 DY $744.30
$857.08
Claim 2016FL021165 Page 12 of 13 04/15/2016
PSENKeepUPC Insurance 1 6 p Q
t1 PO Box 1011 V
t.
INSURANCE Promise"' S1-888-CLM-DEPTPetersburFL 33731
ESTIMATE:MOLD (Rytech,Inc.) Claim #2016FL021165, MARTINE JEAN
In progress
Total Materials: $673.87
Total Labor: $3,112.72
Total Equipment: $857.08
Total Market Conditions: $0.00
Subtotal: $4,643.67
Add 10.00%overhead(some items excluded): $0.00
Add 10.00%profit(some items excluded): $0.00
Subtotal: $4,643.67
Sales Tax 6.000%(applies to materials only,some items excluded): $0.00
Estimate Subtotal: $4,643.67
411(4(1111011`
Estimate Total:
$4,643.67
Finalization
< )
Claim 2016FL021165 Page 13 of 13 04/15/2016
1 ; 1 6 0 to
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INSTR 4709537 OR 4809 PG 3520 RECORDED 6/21/2012 4:54 PM PAGES 5D O 4
DWIGHT E. BROCK, CLERK OF THE CIRCUIT COURT, COLLIER COUNTY FLORIDA
DOC@.35 $70.00 REC $44.00
OBLD $20,000.00
�r . _ 1.i. ., .z
STATE HOUSING INITIATIVES PARTNERSHIP (SHIP) PROGRAM
SECOND MORTGAGE
THIS SECOND MORTGAGE("Security instrument")is given on 02q day of /44-1 ,2012. The Second Mortgagor is:
Martine Jean, a single person
("Borrower"). This Security Instrument is given to Collier County—SHIP ("Lender"),which Is organized and
existing under the laws of the United States of America,and whose address is 3339 E. Tami.ami Trail, Naples, Florida
34112 . Borrower owes Lender the sum of Twenty Thousand and 00/100 Dollars ($20,000.00). This debt is
evidenced by Borrowers Note dated the same date as this Security Instrument("Second Mortgage"),which provides for monthly payments,
with the full debt,if not paid earlier,due upon sale if sold within the fifteen year term. If sold within fifteen years then the loan will be forgiven in
three equal parts each five years so that at the end of the fifteen year term the balance owed Is zero.If sold after the fifteen year term,no
repayment is required. As long as the recipient continues to own and occupy the assisted property during the term of the mortgage,then the
loan will not have to be repaid.
This Security Instrument secures to Lender.(a)the repayment of the debt evidenced by the Note,with Interest,and all renewals,extensions
and modifications;(b)the payment of all other sums,with interest advanced under paragraph 7 to protect the security of the Security
Instrument;and(c)the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose,
Borrower does hereby second mortgage,grant and convey to Lender the following described property located in Collier County,Florida. •
As more particularly described as Regal Acres Lot 44,of the Public Records of Collier County,Florida and which has the address of:
('Property Address"): 10254 Kingdom Court Naples Florida 34114
(Address) (City) (State) (Zip)
TOGETHER WITH all the improvements now or hereafter erected on the property,and all easements,rights,appurtenances,rents,
royalties,mineral,oil and gas rights and profits,water rights and stockaad-alit ores now or hereafter a part of the property.All replacements
and additions shall also be covered by the Security Instrumeyt-Allhiof W eoWng'is.Werred to in this Security Instrument as the"Property".
BORROWER COVENANTS that Borrower is law(Ilftelzb theist`d(e r�Dy conveyed and has the right to mortgage,grant and
convey the Property and that the Property is unencu ,�icept for encumbStrc� M. Borrower warrants and will defend generally
the title to the Property against all claims and demaa
le
to any encumbrancesb Ps
THIS SECURITY INSTRUMENT combi s u rm covenants for national use qd no uniform covenants with limited variation by
jurisdiction to constitute a uniform security instru ent v (�� real property.
UNIFORM COVENANTS. Borrower a d Lepder Lov@f t andagree [lows:
1. Payment of Principal and Intere t;Prf pgyaa�t a le ham s, wecc hall romptly pay when due the principal of and
Interest on the debt evidenced by the Note. f \�j_� 7
2. Taxes.The Mortgagor will pay al faze ,a ass en(a,yrev+gr rerf w er teslprior�to the accrual of any penalties or interest
thereon. J /
The Mortgagor shall pay or cause to , s eie¢ecire beco e, �(l Iall taxes and governmental charges of any
kind whatsoever which may at any time be I tat;
a sassed or levied against th re pest �thC�Property,(2)all utility and other charges,
Including'service charges',incurred or impo (de operation,maintenanceltf, p ay. pkeep and improvement of the Property,and
(3)all assessments or other governmental charg Ea'may lawfully be paid in r m nt a period of years,the Mortgagor shall be
obligated under the Mortgage to pay or cause to b d.bey such installments as ar i'�yo be paid during the term of the Mortgage,and
shall,promptly after the payment of any of the foreg i g rd to Mortgagee evidepcG f s ch payment.
3. Application of Payments. Unless appli I w'rox( s other ,Alfa nts received by Lender shall be applied;first,to
es�
interest due;and,to principal due;and last,to any late charg ' p£Te -✓;1 eC.`".
4. Charges;Liens. Borrower shall pay all taxes,ass merlts� qqchh es nes and impositions attributable to the Property which may
attain priority over this Security Instrument,and leasehold payments orn rents,If any. Borrower shall promptly fumish to Lender all
notices of amounts to be paid under this paragraph,and all receipts evidencing the payments.
Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower.(a)agrees in writing to
the payment of the obligation secured by the lien in a manner acceptable to Lender,(b)contests in good faith the lien by,or defends against
enforcement of the lien in,legal proceedings which in the Lenders opinion operate to prevent the enforcement of the lien;or(c)secures from
the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part
of the Property is subject to a lien which may attain priority over the Security Instrument,Lender may give Borrower a notice identifying the lien.
Borrower shall satisfy the lien or take one or more of the actions set forth above within 10 days of the giving of notice.
6. Hazard or Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured
against loss by fire,hazards Included within the term"extended coverage'and any other hazards,including floods or flooding,for which Lender
requires insurance. This insurance shall be maintained in the amounts and for the periods that Lender requires.The insurance carrier
providing the insurance shall be chosen by Borrower subject to Lenders approval which shall not be unreasonably withheld. If Borrower fails to
maintain coverage described above.Lender may,at Lenders option,obtain coverage to protect Lenders rights in the Property in accordance
with paragraph 7.At all times that the Note is outstanding,the Mortgagor shall maintain insurance with respect to the Premises against such
risks and for such amounts as are customarily insured against and pay,as the same become due and payable,all premiums in respect thereto,
including,but not limited to,all-risk insurance protecting the interests of the Mortgagor and Mortgagee against loss or damage to the Premises
by fire,lightning,and other casualties customarily insured against(including boiler explosion,if appropriate),with a uniform standard extended
coverage endorsement,Including debris removal coverage. Such insurance at all times to be in an amount not less than the full replacement
cost of the Premises,exclusive of footings and foundations.
All insurance policies and renewals shall be acceptable to Lender and shall include a standard mortgage clause. Lender shall have
the right to hold the policies and renewals. If Lender requires,Borrower shall promptly give to Lender all receipts of paid premiums and renewal
notices, In the event of loss,Borrower shall give prompt notice to the Insurance carrier and Lender. Lender may make proof of loss If not made
promptly by Borrower.
Unless Lender and Borrower otherwise agree in writing,insurance proceeds shall be applied to restoration or repair of the Property
damaged,if the restoration or repair is economically feasible and Lenders security is not lessened. If the restoration or repair is not
economically feasible or Lenders security would be lessened,the insurance proceeds shall be applied to the sums secured by the Security
Instrument,whether or not then due,with any excess paid to Borrower. If Borrower abandons the Property,or does not answer within 30 days
a notice from Lender that the insurance carrier has offered to settle a claim,then Lender may collect the Insurance proceeds. Lender may use
the proceeds to repair or restore the Property or to pay sums secured by this Security Instrument,whether or not then due. The 30-day period
will begin when the notice Is mailed. Unless Lender and Borrower otherwise agree in writing,any application of proceeds to principal shall not
extend or postpone the due date of the monthly payments referred to in paragraph 1 or change the amount of the payments. If under paragraph
21 the Property Is acquired by Lender,Borrower's right to any insurance policies and proceeds resulting from damage to the Property prior to
the acquisition shall pass to Lender to the extent of the sums secured by this Security Instrument Immediately prior to the acquisition.
E. Occupancy,Preservation,Maintenance and Protection of the Property;Borrower's Loan Application,Leaseholds. Borrower shall
occupy,establish,and use the Property as Borrowers principal residence within sixty days after the execution of this Security Instrument and
shall continue to occupy the Property as Borrowers principal residence for at least one year after the date of occupancy,unless Lender
otherwise agrees In writing,which consent shall not be unreasonably withheld,or unless extenuating circumstances exist which are beyond
Borrower's control. Borrower shall not destroy,damage or impair the Property,allow the Property to deteriorate,or commit waste on the
Property. Borrower shall be In default if any forfeiture action or proceeding,whether civil or criminal,is begun that in Lender's good faith
OR 4809 PG 3521
16010
judgment could result in forfeiture of the Property or otherwise materially impair the lien created by this Security Instrument or Lender's security
interest. Borrower may cure such a default and reinstate,as provided in paragraph 18,by causing the action or proceeding to be dismissed
with a ruling that,in Lender's good faith determination,precludes forfeiture of the Borrower's interest in the Property or other material
impairment of the lien created by this Security Instrument or Lender's security interest Borrower shall also be in default if Borrower,during the
loan application process,gave materially false or inaccurate information or statements to Lender(or failed to provide Lender with any material
information)in connection with the loan evidenced by the Note,including,but not limited to,representations concerning Borrower's occupancy
of the Property as a principal residence. If this Security Instrument is on a leasehold,Borrower shall comply with all the provision of the lease.
If Borrower acquires fee title to the Property,the leasehold and the fee title shall not merge unless Lender agrees to the merger In writing.
7. Protection of Lender's Rights in the Property. If Borrower fails to perform the covenants and agreements contained in this
Security Instrument,or there is a legal proceeding that may significantly affect Lender's rights in the Property(such as a proceeding in
bankruptcy,probate,for condemnation or forfeiture or to enforce laws or regulations),then Lender may do and pay for whatever is necessary to
protect the value of the Property and Lender's rights in the Property. Lender's actions may include paying any sums secured by a lien which
has priority over this Security Instrument,appearing in court,paying reasonable attorneys'fees and entering on the Property to make repairs.
Although Lender may take action under this paragraph 7,Lender does not have to do so. Any amounts disbursed by Lender under this
paragraph 7 shall become additional debt of Borrower secured by this Security Instrument. Unless Borrower and Lender agree to other terms
of payment,these amounts shall bear interest from the date of disbursement at the Note rate and shall be payable,with interest,upon notice
from Lender to Borrower requesting payment.
8. Mortgage Insurance. If Lender required mortgage insurance as a condition of making the loan secured by this Security
Instrument,Borrower shall pay the premiums required to maintain the mortgage insurance in effect If,for any reason,the mortgage insurance
coverage required by Lender lapses or ceases to be in effect,Borrower shall pay the premiums required to obtain coverage substantially
equivalent to the mortgage insurance previously in effect,at a cost substantially equivalent to the cost to Borrower of the mortgage insurance
previously in effect,from an alternate mortgage insurer approved by Lender. If substantially equivalent mortgage insurance coverage is not
available,Borrower shall pay to Lender each month a sum equal to one-twelfth of the yearly mortgage insurance premium being paid by
Borrower when the insurance coverage lapsed or ceased to be in effect Lender will accept,use and retain these payments as a loss reserve
in lieu of mortgage insurance. Loss reserve payments may no longer be required,at the option of Lender,if mortgage insurance coverage(in
the amount and for the period that Lender requires)provided by an insurer approved by Lender again becomes available and is obtained.
Borrower shall pay the premiums required to maintain mortgage insurance in effect,or to provide a loss reserve,until the requirement for
mortgage insurance ends in accordance with any written agreement between Borrower and Lender or applicable law.
9. Inspection. Lender or its agent may make reasonable entries upon and inspections of the Property. Lender shall give Borrower
notice at the time of or prior to an inspection specifying reasonable cause for the inspection.
10. Condemnation. The proceeds of any award or claim for damages,direct or consequential,in connection with any condemnation
or other taking of any part of the Property,or for conveyance in lieu of condemnation,are hereby assigned and shall be paid to Lender. In the
event of a total taking of the Property,the proceeds shall be appli.5attLe sums secured by this Security Instrument,whether or not then due,
with any excess paid to Borrower. In the event of a partial to n�9�-��pf 4-P••_ ' which the fair market value of the Property immediately
before the taking is equal to or greater than the amount je`srrpts' - urity Instrument immediately before the taking,unless
Borrower and Lender otherwise agree in writing,the .Cu by this Senn ent shall be reduced by the amount of the proceeds
multiplied by the following fraction:(a)the total am sums secured imme i lyt--bEf re the taking,divided by(b)the fair market value
of the Property immediately before the taking. A ba ce shall be paid to Borrower. the vent of a partial taking of the Property in which
the fair market value of the Property immediate) befoje t e a ii rr an amou oft sums secured immediately for the taking,
unless Borrower and Lender otherwise agree irj wring or pp!' -ble law herwise rovi s,the proceeds shall be applied to the sums
secured by this Security Instrument whether oil not up:h d -s. -•d- d B rrower otherwise agree in writing,any
application of proceeds to principal shall not e end r st ree d •at#•f t >m•n •ay ents referred to in paragraphs 1 or change
the amount of such payments.
11. Borrower Not Released,Forb jre 4e til a.er. E 1-n • time for payment or modification of
amortization of the sums secured by this Secu i tin nt grant y - •-r to roe in Interest of Borrower shall not operate to
release the liability of the original Borrower or ��pp�er's successors in intere Lend r s flab be required to commence proceedings
against any successor in interest or refuse to el ti a for payment or other 'am di ization of the sums secured by this Security
Instrument by reason of any demand made by th o r rnal Borrower or Borrowe tsu s n interest. Any forbearance by Lender in
exercising any right or remedy shall not be a waive dlor clude the exercise of an ght' remedy.
12. Successors and Assigns Bound;Jo t era)Llability;,Co F,r e . The covenants and agreements of this Security
Instrument shall bind and benefit the successors and a ' ns-
er-end o(roa er subject to the
Provisions of paragraph 17. Borrower's covenants and agr �s�ra�l 6 irlt nd several. Any Borrower who co-signs this Security
Instrument but does not execute the Note;(a)is co-signing this Se ' struirrent only to mortgage,grant and convey that Borrower's interest
in the Property under the terms of this Security Instrument;(b)is not personally obligated to pay the sums secured by this Security Instrument;
and(c)agrees that Lender and any other Borrower may agree to extend,modify,forbear or make any accommodations with regard to the terms
of this Security Instrument or the Note without that Borrowers consent.
13. Loan Charges. If the loan secured by this Security Instrument is subject to a law which sets maximum loan charges,and that
law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the loan exceed the permitted
limits,then:(a)any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit;and(b)any sums
already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by
reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal,the reduction will be
treated as a partial prepayment without any prepayment charge under the Note.
14. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by mailing it by first
class mail unless applicable law required use of another method. The notice shall be directed to the Property Address or any other address
Borrower designates by notice to Lender. Any notice to Lender shall be given to Borrower or Lender when given as provided in this paragraph.
15. Governing Law;Severability.This Security Instrument shall be govemed by federal law and the law of the jurisdiction In which
the Property is located. In the event that any provision or clause of this Security Instrument or the Note conflicts with applicable law,such
conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect without the conflicting provision. To
this end the provisions of this Security Instrument and the Note are declared to be severable.
16. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument.
17. Transfer of the Property or a Beneficial Interest In Borrower. If all or any part of the Property or any interest in it is sold or
transferred(or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural person)without Lender's prior written
consent,Lender may,at its option,require immediate payment in full of all sums secured by this Security Instrument However,this option shall
not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrument.
If Lender exercised this option,Lender shall give Borrower notice of acceleration.The notice shall provide a period of not less than 30 days
from the date the notice is delivered or mailed within which Borrower must pay all sums secured by this Security Instrument If Borrower fails to
pay these sums prior to the expiration of this period,Lender may invoke any remedies permitted by this Security Instrument without further
notice or demand on Borrower.
18. Borrower's Right to Reinstate. If Borrower meets certain conditions,Borrower shall have the right to have enforcement of this
Security Instrument discontinued at any time prior to the earlier of:(a)5 days(or such other period as applicable law may specify for
reinstatement)before sale of the Property pursuant to any power of
sale contai ed in this Security Instrument;or(b)entry of a judgment
enforcing this Security Instrument.Those conditions are that Borrower.(a)pays Lender all sums which then would be due under this Security
Instrument and the Note as if no acceleration had occurred;(b)cures and default of any other covenants or agreements;(c)pays all expenses
incurred in enforcing this Security Instrument,including,but not limited to,reasonable attorney's fees;and(d)takes such action as Lender may
reasonably require to assure that the lien of this Security Instrument,Lender's rights in the Property and Borrower's obligation to pay the sums
secured by this Security Instrument shall continue unchanged. Upon reinstatement by Borrower,this Security Instrument and the obligations
secured hereby shall remain fully effective as if no acceleration had occurred. However,this right to reinstate shall not apply in the case of
acceleration under paragraph 17.
19. Sale of Note;Change of Loan Servicer. The Note or a partial interest in the Note(together with this Security Instrument)may
be sold one or more times without prior notice to Borrower. A sale may result in a change in the entity(known as the"Loan Servicer')that
collects monthly payments due under the Note and this Security Instrument.There also may be one or more changes of the Loan Servicer
unrelated to a sale of the Note. If there is a change of the Loan Servicer,Borrower will be given written notice of the change in accordance with
OR 4809 PG 3522
16D10
paragraph 14 and applicable law. The notice will state the name and address of the new Loan Servicer and the address to which payments
should be made. The notice will also contain any other information required by applicable law.
20. Hazardous Substances. Borrower shall not cause or permit the presence,use,disposal,storage,or release of any Hazardous
Substances on or in the Property. Borrower shall not do,nor allow anyone else to do,anything affecting the Property that is In violation of any
Environmental Law. The preceding two sentences shall not apply to the presence,use,or storage on the Property of small quantities of
Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property.
Borrower shall promptly give Lender written notice for any investigation,claim,demand,lawsuit or other action by any governmental or
regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual
knowledge. If Borrower learns,or is notified by any governmental or regulatory authority,that any removal or other remediation of any
Hazardous Substance affecting the Property is necessary,Borrower shall promptly take all necessary remedial actions in accordance with
Environmental Law.
As used in this paragraph 20,"Hazardous Substances"are those substances defined as toxic or hazardous substances by Environmental Law
and the following substances: gasoline,kerosene,other flammable or toxic petroleum products,toxic pesticides and herbicides,volatile
solvents,materials containing asbestos or formaldehyde,and
radioactive materials. As used in this paragraph 20,"Environmental Lav"means federal laws and laws of the jurisdiction where the Property is
located that relate to health,safety or environmental protection.
21. Acceleration;Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant
or agreement in this Security Instrument(but not prior to acceleration under paragraph 17 unless applicable law provides otherwise). The
notice shall specify: (a)the default;(b)the action required to cure the default;(c)a date,not less than 30 days from the date the notice is given
to Borrower,by which the default must be cured;and(d)that failure to cure the default on or before the date specified in the notice may result
in acceleration of the sums secured by this Security Instrument,foreclosure by judicial proceeding and sale of the Property. The notice shall
further inform Borrower of the right to reinstate after acceleration and the right to assert in the foreclosure proceeding the non-existence of a
default or any other defense of Borrower to acceleration and foreclosure. If the default is not cured on or before the date specified in the notice,
Lender,at its option,may require immediate payment in full of all sums secured by this Security Instrument without further demand and may
foreclose this Security Instrument by judicial proceeding. Lender shall be entitled to collect all expenses incurred in pursuing the remedies
provided in this paragraph 21,including,but not limited to,reasonable attorney's fees and costs of the title evidence.
22. Release. Upon payment of all sums secured by this Security Instrument,Lender shall release this Security Instrument,without
charge,to Borrower. Borrower shall pay any recordation costs.
23. Attomeys'Fees. As used in this Security Instrument and the Note,"attorneys'fees"shall include any attorneys'fees awarded by
an appellate court.
24. Riders to this Security Instrument. If one or more riders are executed by Borrower and recorded together with this Security
Instrument,the covenants and agreements of each such rider shall be incorporated into and shall amend and supplement the covenants and
agreements of this Security Instrument as if the rider(s)were a part of this Security Instrument. (Check Applicable Box)
❑Adjustable Rate Rider ❑Rate Improve:TQnu J dr' Condominium Rider
❑Graduated Payment Rider ❑1-4 Fami/ly' rhe
. econd Home Rider
❑Balloon Rider ❑Biweel� P Rider Planned Unit Development Rider
❑Other(s)(specify // /� —�fl
SIGNING BELOW,Borrower accepts and agr es t h(e�terid{ n j t 's S rity Instrument and in any rider(s)executed
by Borrower and recorded with it. `
Signed,sealed and delivered in the presence f `
Witness#1: grit/hr I )e fop � Signature.'.'air •
A r Borrower r e Jean
Signature: i/. _ "‘,.
Witness#2:'/' .C - " 7J 4g tat er'
Signature•/
Address: 10254 Kingdom Court
Naples, Florida 34114
STATE OF FLORIDA
COUNTY OF COLLIER
I hereby certify that on this day, Martine Jean before me,an officer duly authorized in the state aforesaid and in the county
aforesaid to take acknowledgements,personally appeared to me known to be the person(s)described in and who executed the foregoing
instrument and acknowledged before me that(He/she/they)executed the samepfor the purpose therein expressed.
WITNESS my hand and official seal in the County and State aforesaid this l-\ day of �e ,2012.
My Commission Expires*a` PLORq'er
R. '•,d Not. • `ubli sSignature
(Seal) _ mcomm.ExrlrtS ti "�
Au0.19,2v, Ocr t!n- 6C+ - 1l�Ljc1
t:o.EEt 11 Notary's Printed Name
3(P :nUB1,\Cj �4�,
OFFN.'0
SHIP File€€: 11-006
Prepared by:
Collier County Housing,Human&Veterans Department
3339 E.Tamiami Trail,Bldg H,Suite 211
Naples,FL 34112
OR 4809 PG 3523
1 6 D 1 0
STATE HOUISING INITIATIVES PARTNERSHIP (SKIP) PROGRAM
PROMISSORY NOTE (:(::: 0 PY
Date: a`.q 2Z 0 1
1
Borrower: ne Jean
10254 Kingdom Court Naples FL 34114
(Property Address) (City) (State) (Zip)
1. BORROWER(S) PROMISE TO PAY: I/We promise to pay Twenty Thousand and 00/100 Dollars
($20,000.00) (this amount will be called "principal") to the order of Collier County-
SHIP or to any other holder of this Note (the "Lender"), whose address is 3339 E.
Tamiani Trail, Naples, Florida 34112. I/We understand that the Lender may transfer the
Promissory Note. The Lender or anyone who takes this Note by transfer and who is
entitled to receive payments under this Note will be called the "Note Holder".
2. INTEREST: Interest on this Note shall be zero percent (0%) per annum; except that if
I/We fail to pay this Note as required, the interest rate shall be twelve percent (12%)
per annum from the date when payment of this Note is due until I/We pay it in full.
3. PAYMENTS: Payment in full is due upon sale if sold within the fifteen year term. If
sold within fifteen years then the loan will be forgiven in three equal parts each five
years so that at the end of the fifteen year term the balance owed is zero. If sold
after the fifteen year term, no_tpaysaeni is required. As long as the recipient
continues to own and occupy th e- d gp.g3YY,�during the term of the mortgage, then
the loan will not have to be rppai �-' / ttym,,,\t shall be U.S. $20,000.00.
4. BORROWER'S RIGHT TO PREF We have the righ,41,t/,6..a e payments of principal at any
6 ;
time before they are d9t ayment of principal o -is nown as a "prepayment". When
I/We make a prepayment; I w will tell the Note Holder n w ting that I/we am doing so.
I/We may rake a ful/'pre�,paymwi� L- r part a -p-yment c arge The Note Holder will use
all of my prepayne s t reduce. . •t of th- princi al at I owe under this Note.
If I/We rake a partialfp .ent r= '-- es -n the due date or in the
amount of my monthy p At As he N. - o . r =g a in writing to those changes.
If I/We make a pa tia pr pa .6nt. e w u i •e o ep�yme t penalty adhering to or
associated with su h pr a .ent !I
5. LOAN CHARGES: If app t. loalen wri( ets maximum loan charges,
is finally interpr d o that the interest othAr 19r..: arges collected or to be
collected in connec il, ith this loan exceed a le e. limits; then (i) any such
loan charges shall uced by the amoun e ar (t'p reduce the charges to the
permitted limit; and '(tiny sums already col�l t €-z' me which exceeded permitted
limits will be refund dito'Re/us. The Note Holde y jt) oose to make this refund by
reducing the principal ar)I e owe under this d = o by making a direct payment to
me/us. If a refund re c€ ;g ipal they eiYr) will be treated as a partial
prepayment. ((oo'��
� CC �
6. SUBORDINATION: Lender and Borrowe -knos+led a and agree that this Security Instrument
is subject and subordinate in all respects to the liens, terms, covenants and conditions
of the First Deed of Trust and to all advances heretofore made or which may hereafter be
made pursuant to the First Deed of Trust including all sums advanced for the purpose of
(a) protecting or further securing the lien of the First Deed of Trust, curing defaults
by the Borrower under the First Deed of Trust or for any other purpose expressly
permitted by the First Deed of Trust or (b) constructing, renovating, repairing,
furnishing, fixturing or equipping the Property. The terms and provisions of the First
Deed of Trust are paramount and controlling, and they supersede any other terms and
provisions hereof in conflict therewith. In the event of a foreclosure or deed in lieu
of foreclosure of the First Deed of Trust, any provisions herein or any provisions in any
other collateral agreement restricting the use of the Property to low or moderate income
households or otherwise restricting the Borrower's ability to sell the Property shall
have no further force or effect on subsequent owners or purchasers of the Property. Any
person, including his successors or assigns (other than the Borrower or a related entity
of the Borrower), receiving title to the Property through a foreclosure or deed in lieu
of foreclosure of the First Deed of Trust shall receive title to the Property free and
clear from such restrictions.
Further, if the Senior Lien Holder acquires title to the Property pursuant to a deed in
lieu of foreclosure, the lien of this Security Instrument shall automatically terminate
upon the Senior Lien Holder's acquisition of title, provided that (i) the Lender has been
given written notice of a default under the First Deed of Trust and (ii) the Lender shall
not have cured the default under the First Deed of Trust within the 30-day period
provided in such notice sent to the Lender.
7. BORROWER(S) FAILURE TO PAY AS REQUESTED:
(A) Default
If I/we do not pay the full amount as required in Section 3 above, I/we will be in
default. If I am in default, the Note Holder may bring about any actions not prohibited
by applicable law and require me/us to pay the Note Holder's cost and expenses as
described in (B) below.
1
*** OR 4809 PG 3524 ***
161310 1
(B) Payment of Note Holder's Cost and Expenses
If the Note Holder takes such actions as described above, the Note Holder will have the
right to be paid back for all of its costs and expenses, including, but not limited to,
reasonable attorneys' fees.
8. GIVING OF NOTICES: Unless applicable law required a different method, any notice that
must be given to me/us under the Note will be given by delivering it or by mailing it by
first class sail to me at the Property Address on Page 1 or at a different address if
I/we give the Note Holder a notice of my/our different address.
Any notice that must be given to the Note Holder under this Note will be given by mailing
•
it by first class mail to the Note Holder at the address stated in Section 3(A) or at a
different address if I/we have been given a notice of that different address.
9. OBLIGATIONS OF PERSONS UNDER THIS NOTE: If more than one person signs this Note, each
person is fully and personally obligated to keep all of the promises made in this Note,
including the promise to pay the full amount owed. Any person who is a guarantor, surety
or endorser of this Note is also obligated to do these things. Any person who takes over
these obligations, including the obligations of a guarantor, surety or endorser of this
Note, is also obligated to keep all of the promises made in this Note. The Note Holder
may enforce its rights under this Note against each person individually or against all of
us together. This means that any one of us may be required to pay all of the amounts
owed under this Note.
10. WAIVERS: I and any other person who has obligations under this Note waive the rights of
presentment and notice of dishonor. "Presentment" means the right to require the Note
Holder to demand payment of amounts due. "Notice of Dishonor" means the right to require
the Note Holder to give notice to other persons that amounts due have not been paid.
11. UNIFORM SECURED NOTE: This Note --vnito instrument with limited variations in some
jurisdictions. In addition t -t Y �-e to the Note Holder under this Note, a
Mortgage, Deed of Trust or ecui. esi instrument
Instrument"), dated the same date
4.as this Note; protects t��} e er from p i k C ses which might result if I/we do
not keep the promises +� -0e make in this No t Security Instrument describes
how and under what coOdi b s I/we may be required' make immediate payment in full of
all amounts I/we owe under this Note. Some of those ndit ons are described as follows:
y
Transfer of the Pro artor%7Be ictal Inte -s in Bor ower If all or any part of the
property or any ir?tere t in it i p-1 -or tran-ferred or f a beneficial interest in
Borrower is sold or t a of:,Ygd • :pr -g tur person) without Lender's
prior written con3ent, a e .ay t t- ; ti•n r immediate payment in full or
all suns secured by hi Se ur Ins sur. n.. rev r, his option shall not be
exercised by Lend r i e erc a pr h b.?ed by.;
fe•er tla as of the date of this
Security Instrumen ( ) 1 .a
If Lender exercise t_.4.1 option, Lender shall`.ive B•rro a tice of acceleration. The
notice shall provid �a riod of not less than irt. ( b'}-4 ys from the date the notice
is delivered or rail thin which Borrower Y¢ ,ay a�Sl) uns secured by this Security
Instrument. If Bor .t, ) fail to pay these q to the expiration of this
period, Lender may i c#ke y remedies permitted -•y 'th//s Security Instrument without
further notice or deman o `er.
Notwithstanding the above, thgl Er'sy
k":\--
Notwithstanding and apply the insurance
proceeds hereunder shall be' s c�1'i nci... r ate to the rights of the Senior Lien
Holder to collect and apply such p'r'Steeds—in-lccordance with the First Deed of Trust.
12. This note is governed and construed in accordance with the Laws of the State of Florida.
WITHE S THE HAND(S) AND SEAL(S) OF THE UNDERSIGNED.
/ (Seal)
orrower Martina Jean
/ (Seal)
Borrower
i
RETURN TO: Collier County Housing, Human and Veteran Services Department
SHIP DOWN PAYMENT AND CLOSING COST ASSISTANCE PROGRAM
3339 E. 'laniard Trail, Building H, Suite 211
Naples, Florida 34112
SHIP Filet: 11-006
2