REVISTA PALMAS 68 OCTUBRE 2022
Need a ride? We will take you anywhere on the island! Reservations available, give us a call! (939) 418-9358 Charles Gomez Law Office Charles Gómez Law Office, LLC is a boutique law firm uniquely qualified that provides services such as: Corporate; Construction Law; Civil & Criminal Litigation; and Medical Malpractice. Contact Francisco L. Charles, Esq., P.E. -Principal Office Address: Ponce de León Ave. 1607 Cobians Plaza Suite 106, San Juan, P.R. 00909 Email: fcharleslaw@gmail.com Tel: 787-523-5094; Mobile: 787-662-0178 Steve Santiago, Kathy Burleson, Esteban Santiago, Cecilia Virsida, Rafael Nigaglioni your local Insurance brokers Hurricane season Hurricane season is upon us once again. But, as we have learned by experience, those who do not make the necessary preparations are the ones who struggle the most with getting back to normal after a catastrophic event. Let’s go over a few suggestions that can make your life easier and help prevent further complications other than the ones brought on by an atmospheric event. Check your windows and doors for crevices, loose sheets or separations which might let water in. As we have mentioned before, water damage caused by water that seeps through windows or under doors is not covered, unless there is a breakage. If you have storm shutters, see to it that they are properly anchored, so they don’t vibrate and become loose, or get breached by strong winds. Another aspect is your responsibility as a policy owner to make sure your property value is up to date. As real estate properties values go up, it is up to you to make sure your policy reflects those changes. Why is this important? Because of coinsurance penalties. For example, if your property is insured for $1,000,000, but the property value went up to $1,250,000 and you did not raise the limits on your policy by the time of a loss, the company will state you are underinsured, and will pay up to only 80% of the damages (1,000,000/1,250,000=80%). As for your personal property (contents), make sure you understand the limit that insurance companies apply to the value per item that can be covered under this coverage. If you have jewelry, fine arts, an expensive set of golf clubs, or any other high valued item, your best option is to talk to your insurance representative to prepare a schedule of those items with the respective evidence of their value. If you own an apartment, you should take the time to check with the condo’s administration or association the type of master policy that the complex has. If the policy is “Barewalls”, then it’s up to you to insure the property inside the apartment that is attached to the floor, walls, or ceiling. This property is known as original private elements. While on the subject of apartments, you need to inform your insurance representative about any changes in structure you make or any renovations. Once the property inside the apartment is changed, it stops being original private elements and must now be covered as Betterments & Improvements. Now if you own a house, you should include in your policy any type of system that provides alternative electric power, such as generators or solar systems. It is very important to provide pictures and invoices of the cost you incurred installing said systems. If you have patio furniture or any other property outside the house that may be affected by a windstorm, it is your responsibility to secure it inside the house or any other safe structure. This, in the language of the policy, is called preservation of property. If you’re going to travel or won’t be present at the residence at the time of an atmospheric event, please make sure you leave your property secured and with properly installed storm shutters. Also, coordinate with someone to check on your property from time to time. For more information about this and other coverages you can stop by our office at Palmanova Plaza Suite 119-C, call us at 787-850-9209, or email us at palmasinsurance@outlook.com.
GOLFMember&Member 2022 Award ceremony and Party at the Beach Club This year the Member & Member Golf Tournament Award was held at the Beach Club. It was a very different award ceremony and Pool Day. We enjoyed a fun and creative afternoon amongst PAC members. After the ceremony, everybody enjoyed the pool. Fun, fun, fun. s
- Page 32 and 33: For all your flowers needs SALES
- Page 34 and 35: the PRESIDENT SAYS! erasmo reyes Th
- Page 36 and 37: 2022 SARGASSUM SEASON response & ev
- Page 38 and 39: CREATIVE TROPICAL CUISINE • meat
- Page 40 and 41: In the late 1970, Palmas Del Mar wa
- Page 42 and 43: Hole #1 Flamboyán golf course and
- Page 44 and 45: March 1996 May 1974: Gary Player an
- Page 46 and 47: Pickleball By Mike Vazquez, PAC Pic
- Page 49 and 50: JOIN US WWW.PALMASPAC.COM 787-656-3
- Page 51: PHA Architectural ARBReview Board B
- Page 57 and 58: Seth Bull Wishing you a healthy and
- Page 59 and 60: NADIE CUIDA TUS OJOS MEJOR QUE PEAR
- Page 61 and 62: Member &Member The PAC Member & Mem
- Page 64 and 65: LOOKING AFTER YOUR WELL BEING FROM
- Page 66 and 67: The welcome cocktail...
- Page 69 and 70: Member &Member
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- Page 73 and 74: 2nd place 2nd prize Live & Life Fas
- Page 75: irl’s afternoon This year, the Me
- Page 79 and 80: David Sanabria, the Incoming Head o
- Page 81: A very special Club... Palmas Dance
- Page 87 and 88: And then...everybody to the water!
- Page 89: Member&Member 2022 great evening at
- Page 92 and 93: Sandrysabel at Cocos In appreciatio
- Page 94 and 95: The time is now. Discover Palmas—
- Page 96: The Original All-Electric SUV Ford
GOLFMember&Member <strong>2022</strong><br />
Award ceremony and Party<br />
at the Beach Club<br />
This year the Member &<br />
Member Golf Tournament<br />
Award was held at the Beach<br />
Club. It was a very different<br />
award ceremony and Pool<br />
Day. We enjoyed a fun and<br />
creative afternoon amongst<br />
PAC members. After the<br />
ceremony, everybody<br />
enjoyed the pool. Fun, fun,<br />
fun. s
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