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ParadiseCottageAssoc.ParkerPointAssoc.Inc.ParryIslandCottagersAssoc.ParsonsRoadPropertyOwnersAssoc.PattyLaneHomeownersAssocPaudashLakeConservationAssoc.PearlLakeCottageAssoc.PeninsulaLakeAssoc.PennorthBeachCorp.PennwoodRoadCottagersAssoc.PercyLakeRatepayersAssoc.PicardLakeCottagersAssoc.PigeonLakeCottageAssoc.Inc.Conc.17PikeLakeCommunityAssoc.PineLakeRatepayersAssoc.PineLakeSouthShoreFundPinePointParkLtd.PinnaclePointCottagersAssoc.PointClarkBeachAssoc.Inc.PoolLakeCottageAssoc.PortFranksBeachHomeownersAssoc.Inc.PovertyBayRatepayersAssoc.PrettysIslandPropertyOwnersQuinnlandCottagersRoadAssoc.RabysShoreAssoc.RankinLakePropertyOwnersAssoc.Inc.RavenLakeCottagersAssoc.RedstoneLakeCottagersAssoc.RideauwoodLaneRoadAssoc.RilLakeCottageAssoc.RileyLakePropertyOwnersAssoc.RoadRunnersAssoc.RobsonLakesPropertyOwnersAssoc.RoundLakeCottageAssoc.IncRoundLakePropertyOwnersAssoc.RowbothamCottagersAssoc.RowntreeBeachAssoc.RoyalBeachCottagersAssoc.RoyalMuskokaIslandAssoc.SalernoDevilsLakeCottagersAssoc.SalmonLakeCottagersAssoc.SalmonLakeRatepayersAssoc.SandLakeAreaPropertyOwnersAssoc.SandLakeEstatesInc.SandwoodEstatesAssoc.SandyPointRoadAssoc.ScugogLakeStewardsInc.SelwynBayCottagersAssoc.SesekinikaLakePropertyOwnersAssoc.SevernRiverAssoc.OfPropertyOwnersSevernTrailPropertyOwnersShadowLakesAssoc.Inc.SharbotLakePropertyOwnersAssoc.ShawanoRatepayersInc.ShawenegogLakeCottageAssoc.InpreparationfortheFallSeminareventFOCAinterviewedSandfordaboutwhatachangingclimatesituationmeansforourwaterfrontcommunities.IfyouhaveahouseonalakeorriverinCanadaSandfordansweredyouaregoingtohavearingsideseattoobserveandmeasurethesechangeswhichweareonlybeginningtoanticipateanddonotyetfullyunderstand.TheinterviewwaspublishedonlinebyWaterCanadaMagazinein2013.Theeventwasvideo-recordedandFOCAmembersmaycontacttheofficeforalinktotheonlinepostingofthefull45minutepresentationtosharewithyourAssociation.SincerethankstoourgenerouseventsponsorsYamahaandIBC.ManagingYourRiskTheInsuranceBureauofCanadaannouncedthatsevereweathercausedarecordamountofdamageinCanadain2013andAvivaCanadaidentifiedwaterdamageastheprimarybutnotonlyculprit.FOCAremindsmembersthatOntariohomesarelimitedininsurancecoveragefordamageduetooverlandwaterandseasonalpropertiesarenotcoveredbytheOntarioDisasterReliefAssistanceProgramaprovincialfinancialassistanceprogram.Preventativeactioncanminimizelossbutoverlandfloodingisarealriskforthoselocatedinafloodplainorclosetoriversorlakes.VisitEnvironmentCanadaswebsitefortipsonhowtoplanaheadandmanagesuddenweatherlikelightningfloodswindstormsandmorewww.ec.gc.cameteo-weatherdefault.asp.FOCAencouragesyoutoreviewyourpersonalandAssociationcoverage.LakeandroadassociationshavebeenincreasinglyreliedupontodeliverimportantservicesinOntarioswaterfrontcommunities.Forover10yearsFOCAhasprovidedriskmanagementandinsuranceprogrammingsupporttoourmembers.TheFOCAInsuranceProgramisourlargestandmostsignificantassociationmembershipbenefitadministeredexclusivelybyCadeAssociatesInsuranceBrokers.GetaquotetodayonyourAssociationorpersonalinsurance416-234-9980www.cadeinsurance.com.Knowyourrisksandyourcoveragelimits.MemberscanaccesstheextensiveresourcesavailableintheFOCARiskManagementManualincludingexplanationsofvarioustypesofcommonassociationcoveragesuchasCGLandDO.ContacttheFOCAofficeforadigitalcopyoftheManual705-749-3622infofoca.on.caFYIImageKirkDoughty