New 2023 HOA Laws and What They Mean For Your HOA

May 25, 2023

The Utah general legislative session for 2023 was January – March 2023, and the general effective date for legislation from the session was May 3, 2023.

Records

Senate Bill 191 (2023) clarifies the Nonprofit Act regarding which records an owner is entitled to see if the owner follows the process specified in Subsection 16-6a-1602(2) (the process that requires the owner to have a “proper purpose” for seeing the records).  The statute now specifies that the records that may be viewed after following that particular process are the “other records” listed in Utah Code Subsections 16-6a-1601(2) through (5), namely: “appropriate” accounting records and a membership list with the names and addresses of all members in alphabetical order and showing the number of votes of each member.  Previously, the subsection referred to “any of the other records of the nonprofit corporation.”  (Since Subsection 16-6a-1602(1) specifies the process to view the records listed in Subsection 16-6a-1601(5), the process specified in Subsection 16-6a-1602(2) only applies to the records listed in 16-6a-1601(2) through (4), which, again are “appropriate” accounting records and the membership list).  

The bill also defines the term “corporate records” in the definitions section of the Utah Revised Nonprofit Corporation Act, to mean the records described in Section 16-6a-1601, and to exclude “correspondence, communications, notes, or other similar information, regardless of format or method of storage, that are not an official decision, published document, or record of the corporation.”  However, the Nonprofit Act never uses the term “corporate records” in any substantive way, so the definition has limited usefulness, if any at all.  See Utah Code Section 16-6a-102(13).

Rental Restrictions

The law prohibits a condo and community association from requiring an owner who rents out their home to pay an additional assessment or fee because the home is a rental.  Senate Bill 191 (2023) amends the statute to provide that an association that permits at least 35% of the units in the association to be rental units may charge an owner who rents their unit an annual fee of up to $200 to defray the association’s additional administrative expenses directly related to that rental unit, as detailed in an accounting provided to the owner.  See Utah Code Sections 57-8a-209(9)(c) and 57-8-10.1(9)(c).

Board Member Qualifications, Sex Offenders

Senate Bill 191 (2023) amends the law to provide that an association may, through governing documents or the board’s internal procedures, disqualify an individual from serving as a director because the individual has either been convicted of a felony or is required to register with the sex offender registry due to a conviction for an offense committed against a person under 18 (a.k.a. a “sex offender”).  See Utah Code Sections 57-8a-501 and 57-8-59.

The bill further provides that an association rule may restrict an adult or juvenile who is required to register with the sex offender registry due to a conviction for an offense committed against a person under 18 (a.k.a. a “sex offender”) from accessing a swimming pool, park or playground that is maintained, operated, or owned by the association (a “protected area”), except an association cannot restrict such access when that person must be in a protected area to perform their parental responsibilities.  See Utah Code Sections 57-8a-218(18) and 57-8-8.1(10).

Definition of “Political Sign”

The law contains restrictions against association rules restricting political signs, except reasonable regulations on the time, place, and manner of posting a political sign.  But, the law never defined what constituted a political sign.  Senate Bill 191 (2023) defines a “political sign” to mean “any sign or document that advocates: (1) the election or defeat of a candidate for public office, or (2) the approval or defeat of a ballot proposition.”  See the new definitions in Utah Code Sections 57-8a-102(21) and 57-8-3(34).  See the restrictions against rules governing political signs in Utah Code Sections 57-8a-218(4) and 57-8-8.1(8).

Community Associations Only

Water-efficient Landscaping

Under Senate Bill 191 (2023), community associations must adopt required rules regarding water efficient landscaping before June 30, 2023.  The requirement for associations to adopt rules supporting water-efficient landscaping, including allowance for low water use on lawns during drought conditions, was made law in 2022.  This new law requires those rules to be adopted by June 30, 2023.  Additionally, the bill explicitly provides that a rule may not prohibit low water use on lawns during drought conditions.  See New 2022 HOA Laws and What They Mean For Your HOA.  See also Utah Code Sections 57-8a-218(16) and 57-8-8.1(9).

House Bill 450 (2023) modifies Utah Code Section 57-8a-231 in the Community Association Act, which was enacted last year and states that an association may not enforce a governing document that prohibits a lot owner of a detached home (aka single family home) from incorporating water wise landscaping on the owner’s lot, except in certain instances.  The bill clarifies that an association may restrict or prohibit the use of specific plant materials other than water wise plant materials (as defined in the statute).  Additionally, the provision in the statute that said an association could adopt a requirement that imposes minimum or maximum vegetative coverage was deleted.  Now the statute says an association may not require an owner to have more than 50% vegetative coverage that is not water wise landscaping on the owner’s lot.

Rules

The law that’s been in place for several years in Utah Code Section 57-8a-217 requires that before a board in a community association adopts or amends a rule, the board must: (1) deliver notice to the owners that the board is considering a change to a rule, (2) provide an open forum at the board meeting giving owners an opportunity to be heard at the board meeting before the board adopts or amends a rule, and (3) deliver a copy of the change in the rules within 15 days after the date of the board meeting.

Senate Bill 152 (2023) amends the law to say that if a board fails to do any of those things, a lawsuit must be brought within 18 months in order to challenge the board action.  See Subsection 57-8a-217(7).

Definition of “Rule”

Both the Condo and Community Association Acts have long had provisions governing “rules” in an association but neither act ever defined what constitutes a rule (other than that a rule is adopted by a board and the provisions of CC&Rs and bylaws are not rules).

Senate Bill 191 (2023) defines “rule” for community associations (but, strangely, not for condos):

“Rule” means a policy, guideline, restriction, procedure, or regulation of an association that:
(1) is not set forth in a contract, easement, article of incorporation, bylaw, or declaration; and
(2) governs the conduct of persons, or the use, quality, type, design, or appearance of real property or personal property.
“Rule” does not include the internal business operating procedures of a board.

See Utah Code Section 57-8a-102(25).

Applicability of the Community Association Act

To avoid any confusion and curtail any argument that the Community Association Act doesn’t apply to a given association just because the association was formed before a certain provision of the act was enacted, Senate Bill 152 (2023) amends the law to provide that the act applies to an association that registers or updates the association’s registration with the Utah HOA Registry.  Of course, registering and updating an association’s registration with the HOA Registry is required by the law.  See Utah Code Section 57-8a-105(7).

How the new laws affect your community and what you need to do to comply with the new laws

Your community association (noncondos) must adopt rules supporting water-efficient landscaping, including allowance for low water use on lawns during drought conditions by June 30, 2023. See CounselOurHOA.com for sample rules (for Prudent-Legal subscribers).

Advertisement

Leave a Comment » | Condo, New Condo Laws, New HOA Laws, New Non-Condo HOA Laws, Non-Condo HOA, Uncategorized | Tagged: , | Permalink
Posted by Curtis G. Kimble

New 2020 Utah HOA Laws

May 12, 2020

By Curtis G. Kimble.

Two bills were passed this year in Utah changing parts of the Condominium Ownership Act and the Community Association Act.  The new laws that were passed by the two bills go into effect today, May 12, 2020.

House Bill 155 (2020) requires a seller of a unit or lot, or the association if requested by the seller, to make certain disclosures before closing on a sale, and requires the Department of Commerce to publish certain educational materials on its website.  The bill enact Sections 57-8-6.1 (in the Condo Act (57-8)) and 57-8a-105.1 (in the Community Association Act (57-8a)), and amends Sections 57-8-13.1 and 57-8a-105.  Specifically, before the closing of a sale of a unit or lot, the seller must provide to the buyer (1) a copy of the association’s recorded governing documents, and (2) a link to the Department of Commerce’s educational materials.  The association must, upon request by the seller, provide those two things to the seller.  Additionally, if a condo association has a manager, the association may now opt to include the name and address of the manager rather than that of each board member (community associations are not and were never required to include the name and address of each board member).

The Department of Commerce is required to publish educational materials on its website providing, in simple and easy to understand language, a brief overview of state law governing associations, including: (1) a description of the rights and responsibilities provided in the law to any party under the jurisdiction of an association; and (2) instructions regarding how an association may be organized and dismantled in accordance with the law.

The education materials don’t appear to be published quite yet on the Department’s website.  When I called the Department, they informed me it should be up within a week.  It isn’t clear yet exactly which website will host the information.  It could be at the Department’s primary website at commerce.utah.gov, or at the Homeowner Associations Registry website at secure.utah.gov/hoa, or somewhere else entirely.  I think the Homeowner Associations Registry website would make the most sense.

Senate Bill 183 (2020), “Nonjudicial Foreclosure Amendments,” amends provisions related to nonjudicial foreclosure of a lien on a unit or lot by an association, including establishing limitations on nonjudicial foreclosure.  A nonjudicial foreclosure is a foreclosure without a lawsuit—in the same manner a bank typically forecloses on a home that is in default.

The bill amends Utah Code Sections 57-8-3 and 57-8-46 (in the Condo Act), and 57-8a-303 (in the Community Association Act), by adding definitions of “judicial foreclosure” and “nonjudicial foreclosure” in the Condo Act to mirror the definitions in the Community Association Act, and by changing the notice that must be sent to a unit or lot owner before an HOA starts a nonjudicial foreclosure.  Additionally, the law now prohibits nonjudicial foreclosure of a unit or lot if the lien includes a fine the association imposed in accordance with Section 57-8-37 “Fines” (condo) or 57-8a-208 “Fines” (for noncondos).

Contact Kimble Law if your association needs any assistance with legal issues!

7 Comments | Condo, New Condo Laws, New HOA Laws, New Non-Condo HOA Laws, Non-Condo HOA, Uncategorized | Permalink
Posted by Curtis G. Kimble

New 2015 HOA Laws – Open Meetings

July 1, 2015

By Curtis G. Kimble.

Continuing our summary of the new laws affecting HOAs in 2015, effective July 1, 2015, both the Utah Condominium Ownership Act and the Utah Community Association Act require board meetings to be open to each homeowner (or homeowner’s designated representative).

Open Meetings; Exception.

Utah Code 57-8-57 (for condos) and 57-8a-226 (for non-condo HOAs) require open board meetings, with the exception that executive sessions may be closed to the owners for the following purposes: to consult with an attorney or to discuss ongoing litigation, personnel matters, contract negotiations, delinquencies, and matters involving an individual if privacy is required.

Comment Period at Meetings.

Additionally, at each board meeting, the board must provide each owner a reasonable opportunity to offer comments, but the board may limit the comments to one specific time period during the meeting and may limit the time allotted to each owner to comment.

Notice of Meetings.

If an owner has requested notice of a board meeting, the association must give written notice of a board meeting at least 48 hours before a meeting to the owner who requested it, unless notice of the meeting is included in a meeting schedule that was previously provided to that owner, or the meeting is to address an emergency and each board member receives notice of the meeting less than 48 hours before the meeting.

The notice to the owner must (i) be delivered to the owner by email, to the email address that the owner provides to the board or the association; (ii) state the time and date of the meeting; (iii) state the location of the meeting; and (iv) if a board member may participate by means of electronic communication, provide the information necessary to allow the owner to participate by the available means of electronic communication.

Exactly what constitutes a board meeting?

A board “meeting” means “a gathering of a board, whether in person or by means of electronic communication, at which the board can take binding action.”  (Utah Code 57-8a-102(16), 57-8-3(27)).  “Means of electronic communication” means an electronic system that allows individuals to communicate orally in real time, including web conferencing, video conferencing, and telephone conferencing (Utah Code 57-8a-102(15), 57-8-3(26)).

Action/decisions without a Meeting.

A meeting requires a gathering of the board in a way that they are communicating live and in real time.  It does not include actions or decisions taken without a meeting, as is commonly done by boards (most commonly through email).  However, specific requirements must be followed by a board in taking an action or making a decision without a meeting.  These requirements are spelled out (for associations that are nonprofit corporations) in Utah Code Section 16-6a-813, which, significantly, was also changed this year.

Under the prior law, a board could make decisions or take an action without a meeting if each member of the board either: (1) voted for the action, or (2) waived the right to demand that the decision/action be made or taken at a meeting and either voted against the action or abstained from voting.  Now, unanimous consent of the members of the board is needed for the action or decision being made or taken without a meeting, unless an association’s bylaws specifically provide that an action or decision may be taken without a meeting without the board unanimously consenting to the action or decision being made.

If the bylaws do authorize it, the statute sets out the required procedure for a board to make a decision or take an action without a meeting without the board unanimously consenting to the action or decision being made (regardless of any contrary procedure in your bylaws).  The statute requires notice to be sent to each member of the board containing certain items listed in the statute.   Then each member of the board has to either (1) sign a writing in favor of the action/decision, or (2) sign a writing against the action/decision, abstain in writing from voting, or fail to respond or vote or demand in writing that the action or decision be made at a meeting.  All of these “writings” and communications can be delivered electronically (e.g., as an email), in which case, the date on which such an electronic transmission is transmitted is considered the date on which the vote, abstention, demand, or revocation is signed.

Declarant/developer Controlled Associations.

The open meetings laws do not apply to associations that are still under “declarant” (developer) control (where the declarant appoints the board).

Penalty.

The law stipulates certain penalties and procedures if an association does not comply.  Essentially, an owner can make demand for compliance on the association stating which requirements the association has failed to comply with.  Then, if 90 days elapses without compliance after a proper demand, the owner may file an action in court for a court order requiring the association to comply and to pay a $500 penalty.  The court may also require that the prevailing party be reimbursed its costs and attorney fees by the non-prevailing party.

11 Comments | Governance, New HOA Laws, Uncategorized | Tagged: , , | Permalink
Posted by Curtis G. Kimble

Free Movie Tickets to Max this Tuesday Night!

June 25, 2015

As many of you know, Richards, Kimble and Winn has merged with the national law firm Ball Janik LLP, although we are still the same people, same location, same great service!  As a thank you to our clients and potential clients, we are giving away 30 tickets to the showing of the movie Max on Tuesday, June 30, at 6:15 pm at Jordan Commons.

Each ticket includes one free popcorn and soda.  We will also be raffling off a $50 gift card before the movie starts.

See the trailer for Max.

The tickets will be given to the first 30 people who submit a request below.  You do not have to be a client, any HOA homeowner or board member (and guests) may request a ticket.

Request a Free Ticket to Max :

Date: Tues. 6/30/2015

Time: 6:15 pm

Location: Jordan Commons Megaplex, theater #16

Address: 9400 State St, Sandy, UT 84070

Fill in and submit this form.  If requesting more than one ticket fill in and submit the form for each person that will attend (the same email can be used).

(Submission Period Ended)

Leave a Comment » | Uncategorized | Permalink
Posted by Curtis G. Kimble

Construction Defects? Utah’s First Choice for Help

November 9, 2013

Let’s take care of your construction defect issues.

Construction defects can be extremely expensive to fix; can cause your property to deteriorate; decrease your property values; and can subject your community to substantial future special assessments!  Obviously, as a board, you want to do your best to avoid these problems – and fix them when they are discovered.

Kimble Law is pleased to announce the ability to handle your community’s construction defect issues!  Kimble Law has formed a strategic partnership with Ball Janik LLP, which has helped many associations obtain recoveries for construction defects.  While Kimble Law remains your “go to” general HOA law firm, we have teamed up with experienced, successful and knowledgeable attorneys who have a deep understanding of construction issues relating to HOAs of all types.

Leave a Comment » | Uncategorized | Permalink
Posted by John Richards, Esq

Keeping Your Board Together – End of Year Checklist

October 10, 2013

It is a familiar scene.  Something happens between Board members causing distrust, scrutiny and even rebellion.  As community leaders and as fiduciaries, Board members have an obligation to each other and to their communities to set aside differences that might arise and stay focused on community business.  The purpose of the brief article is to provide year-end tips for each Board to review to make sure their relationships stay in tact and to help ensure that the community’s interests remain paramount.

1.  Adopt a “code of conduct” for the Board.  This document, signed by each Board member, sets the standard of what the appropriate tone of discussions will be in meetings; reminds everyone to mutually respect differing viewpoints; commits Board members to fulfill their duties and assignments; and strongly outlines that rude, hurtful, or inflammatory comments will not be tolerated.

2.  Make sure that each Board member has a “job.”  Often times, the Board serves as the officers of the Association as well.  Review your Bylaws for such duties or adopt a job description for each officer and Board member.  Before you hold a Board member/officer accountable for their respective roles, you need to clearly define what is expected of each person and position.

3.  Before the end of each year and perhaps each quarter, review AS A GROUP the Board’s strengths and weaknesses.  Write them down (not in the minutes) and make it a goal to improve upon areas where the Board feels it can do better (such as communicate better with members; listen to other Board member’s perspectives more fully before voting on a matter; not spreading gossip or making disparaging comments about other Board members; even learning to read and understand financial statements better is a noble goal).  The variety of goals a Board might want to set for itself are truly limitless – the objective should be to start identifying GROUP weaknesses so improvements can follow.

3.  Request training from your attorney on the ever-changing state and federal laws and trends in the HOA industry.  You will be surprised that your attorney (of course, I’m speaking as an attorney) will likely be more than happy to have training sessions with the Board and provide legal and case law updates if you just ask.

4.  Create a Board member binder that contains yours Articles of Incorporation, CCRs, Bylaws, Rules and Regulations and applicable state codes.  This “Board Binder” should be brought to every meeting and, at random, an Article or Section should simply be reviewed quickly at each Board meeting.  Knowing your own documents, by reading them together, frequently keeps disputes from arising in the first place as you educate yourselves in a Board setting.  (I am not suggesting a lengthy reading of your governing documents at each Board meeting.  I am suggesting something as simple as a Board member is assigned to pick a specific provision in the CCRs – liens for example – and then the Board takes 5 minutes to read the “lien” section of the CCRs.  This process continues over and over with a new topic each meeting.)

5.  Community Surveys.  Do not be afraid to send out regular community surveys to the membership-at-large.  Such surveys are not to rate the performance of a particular Board member, but to rate the community in general…”Do you feel that snow is being adequately removed?”  “Do you like the new landscaping company?”  You get the gist.

6.  Board Surveys.  Rate yourselves as a Board.  I am not suggesting that this survey go out to the membership – this is done by the Board itself.  Did we accomplish X, Y and Z this year?  Why not?  What has been our biggest challenge?  How can we prevent such challenges from arising in the future?

7.  Adopt the following philosophy:  I may disagree from time to time, but I won’t be disagreeable.  In other words, vibrant Board discussions and even debate is healthy for your community.  However, Boards need to be trained to listen to all sides of an issue, compromise when they can, but don’t disagree just to disagree.  Board members must understand that once a majority has made a decision, a BOARD DECISION has now been made and you must stand behind it and not speak ill of those who voted in favor of action that you perhaps did not agree with.  In fact, I often find it helpful to have an agreed upon response if Board members are questioned if they supported an action such as “…we took the matter under serious consideration and had a lot of discussion on topics X and Y.  In the end, I stand by the Board’s decision…”  You can have your own variation on this concept.

These are just a few ideas.  I hope as 2013 is quickly coming to an end, each Board can evaluate its own performance but do so in a way that feelings are not hurt and that the community’s best interests stay above personal agendas and emotion.

2 Comments | Uncategorized | Permalink
Posted by John Richards, Esq

Don’t Forget to Conduct a Reserve Analysis by July 1!

June 12, 2012

By Curtis G. Kimble.

The deadline for all HOA and condominium boards in Utah to conduct a “reserve analysis” is fast approaching.  By July 1, every  board (except developer-controlled boards) needs to obtain or perform a reserve analysis if no reserve analysis has been conducted since March 1, 2008.

A reserve analysis is an analysis to determine:

(a)     the need for a reserve fund to accumulate money to cover the cost of repairing, replacing, and restoring common areas and facilities that have a useful life of three years or more, but excluding any cost that can reasonably be funded from the general budget or other funds of the association; and

(b)     the appropriate amount of any reserve fund.

So, each board must:

  1. determine which improvements have a useful life of 3 years or more, then
  2. determine what the cost is for maintaining those improvements over the next several years, and then
  3. determine what they think the appropriate amount of the reserve fund should be.

There are no requirements in the law as to who has to perform the reserve analysis.  So, a board can perform the analysis or it can engage a professional to perform it.  There are several competent reserve study professionals serving the state of Utah.  There are also websites that will create your reserve study for you based on your input, and some will allow users to run “what if” scenarios with their components and funding plans.  A simple Google search will lead to those sites (I cannot vouch for the quality or value of such online services since I’ve never personally used them or analyzed their results).

There are many options when it comes to fulfilling the requirements of this law.  Each association should find the option that works best for them.

Don’t forget the law also requires each board to, annually, present the reserve study to the homeowners at the annual homeowner meeting or at a special meeting of the homeowners, and provide an opportunity for homeowners to discuss reserves and to vote on whether to fund a reserve fund and, if so, how to fund it and in what amount.  The association must also prepare and keep minutes of the meeting and indicate in the minutes any decision relating to funding a reserve fund.

5 Comments | Governance, HOA Finances, New Condo Laws, New Non-Condo HOA Laws, Reserves, Uncategorized | Tagged: , , , | Permalink
Posted by Curtis G. Kimble

Can the Insurance Industry Put Profits Above Good Faith Claims Handling?

January 9, 2012

By Curtis G. Kimble.

In Utah, an insurance company has an obligation to act in good faith in all aspects of claim handling.  “The implied obligation of good faith performance contemplates, at the very least, that the insurer will diligently investigate the facts to enable it to determine whether a claim is valid, will fairly evaluate the claim, and will thereafter act promptly and reasonably in rejecting or settling the claim.  …  The overriding requirement imposed by the implied covenant is that insurers act reasonably, as an objective matter, in dealing with their insureds.” (Billings v. Union Bankers Ins. Co., 918 P.2d 461 (Utah 1996)).

The consequences to an insurer breaching these obligations can be significant.  As the court in the Billings case said, an “insurer who breaches the implied covenant by unreasonably denying the insured the benefits bargained for may be held liable for broad consequential damages foreseeably caused by the breach, damages which might include those for mental anguish” and may include attorney fees incurred as a result of the breach.

On the other hand, when an insured’s claim is fairly disputed by the insurer and it is truly debatable as to whether the claim is covered under the policy, the insurer is entitled to debate it (deny the claim) and cannot be held to have breached the covenant of good faith if it chooses to do so (even if the claim is denied and then later found by a court to be a properly covered claim).  An insurer who has a legitimate dispute with an insured over a claim must act reasonably and in good faith, but they are entitled to have the dispute resolved before having to pay the claim.

The problem arises when the insurers don’t act reasonably, promptly, fairly or in good faith.  A problem that some would say has increased dramatically since the mid-90’s.

As this article explains, “a new system to boost the bottom line” took over the insurance industry in the mid-90’s, where, rather than adjusting claims the traditional way, which gave claims managers wide latitude to serve customers reasonably and fairly, “insurers embraced a computer-driven method that produced purposefully low offers to claimants.”

Those who took the low-ball offers received prompt service, while those who didn’t had their claims purposefully delayed with the strategy of making such claims so expensive and time-consuming that people would just give up.

This strategy “put profits above all,” and has apparently worked in that regard. Allstate made $4.6 billion in profits in 2007, double its earnings in the 1990s, an increase which came through “driving down loss values to an average of 30 percent below the actual market cost.” In other words, the strategy has been to pay dramatically less on claims. A strategy that, in practice, is in direct opposition to the legal obligation of insurers to diligently investigate the facts to enable it to determine whether a claim is valid, to fairly evaluate the claim, and to act reasonably in rejecting or settling the claim.

Again, the article can be found here:  Insurance Claim Delays Deliver Massive Profits To Industry By Shorting Customers.

All consumers who buy insurance, HOAs and homeowners included, should take note of these issues and be prepared to push back when an insurer breaches its obligation to diligently investigate, fairly evaluate, and act reasonably and in good faith in any aspect of claim handling.

Leave a Comment » | Insurance, Uncategorized | Tagged: , , , | Permalink
Posted by Curtis G. Kimble

Santa Claus and Common Area Chimneys and Reindeer on Common Roofs

December 24, 2011

By John Richards:  john@rkw-law.com

I had a dream last night, or should I say nightmare, where I received a phone call from a concerned Board member.  This Board member was worried about the “wear and tear” Santa Clause would cause by sliding up and down the common area chimneys and the potential damage the reindeer and sleigh would cause to the common area roofs.  After all, the association had just re-done their roofs this past year and there is an express exclusion in their insurance policy for damage due to “magical and supernatural causes.”

I assured this Board member, and made sure she reassured the entire Board, that some risks and costs are worth it.  The potential damage to the chimneys and roofs is far outweighed by the joy Christmas morning brings to those who enjoy and believe in the holiday season – regardless of one’s faith and background.

The joy that a young child receives from an unexpected gift has no monetary value in my mind and, far too often, we don’t dwell on these moments enough.  Maybe you can relate, but life is far too short and though we have important issues to address in the “real world,” come Tuesday morning, I do appreciate a few days do dwell on that which matters most.

Just so you know, I am contemplating adding a line item in our reserve studies for our clients that accounts for such seasonal damages in the future, but at least for tonight, let’s enjoy the holiday and the magic that follows.

Again, seasons greetings.  Your friend and advocate, John Richards, Esq.

Leave a Comment » | Uncategorized | Permalink
Posted by Curtis G. Kimble

Merry Christmas and Happy Holidays from RKW

December 24, 2011

To our clients, faithful blog readers, and friends:

The legal team at RKW wishes you and yours a very Merry Christmas and Happy New Year!  We appreciate your support and professional/personal friendships.

May 2012 be a great year for each of you.  We appreciate our relationships with each of you and look foward to more interaction this next year.  May we all enjoy and cherish this time of year.

Your friends at Richards, Kimble & Winn

Leave a Comment » | Uncategorized | Permalink
Posted by Curtis G. Kimble

%d bloggers like this: