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Published by northsaskatchewan, 2019-11-29 18:54:28

Fall 2019 Newsletter

Fall 2019 Newsletter

FALL 2019 CONDO VOICE

IN THIS ISSUE Our President's Page
Organics Waste Program
Waste Collection Proposal I write this as we are preparing for the semi-annual
CCI National Leaders Forum to be held in Toronto,
Advertising Rates November 6th – 9th, 2019.
Duty to Accommodate
Board Meeting Minutes There are a number of issues National has on
Cloud Based Technology the agenda this fall including leadership roles
Managing short-term condo and achievement of goals by our chapters and
volunteers, strategic board planning now and the
rentals future – taking a look at focusing and improving on
The Minute Taker’s Handbook successes; interactive group sessions on successes
Snow Management Facilities and failures and how to achieve success at local
level and much more. The Saturday sessions will focus on Insurance and
Insurance Rates Risk Assessment, which I am sure will be very interesting on a National level
AGM Pictures to hear about the issues currently being experienced across Canada on this
very important and timely issue when condominiums in particular are seeing
Membership Application a very substantial increase in annual premiums on their insurance master
Business Partner Directory policy.

CCI is working for We have chosen some articles for publication in this issue of our local magazine
you on behalf of the that include areas of concern by condominium owners at our Condo Strength
condominium industry and seminars in addition to emails to our website. You will find information
on constructing of Board Meeting minutes as well as how to redact minutes.
and its residents. Insurance market rates and changes in premiums. Although the article is
from an Eastern insurance broker, it is relevant to current industry issues
We Need Articles! across Canada. We are also focusing on municipal issues which may have
budget and impact and create physical property issues for multi-family and
We welcome experts that are condominiums in particular. Our board committee members have summarized
members to submit articles in issues currently before administration and City Council respecting processes
and fees charged for recycling, organic waste and snow dump usage. It is
their field for print in the vitally important that all condo members take these issues to heart and learn
newsletter about proposals as well as taking time to contact your councilors regarding
your position on the effects to you the condo end user.
1
We are experiencing more concerns from boards and owners on the potential
of Human Rights involvement in condominium Bylaws and policies. It is
important that all boards understand the issue of “duty to accommodate” and
what is considered an entitlement of an individual or a hardship to all condo
owners.

In today’s day of technology advances I would encourage all condominium
board to improve their communication with their owners by establishing a
general use Gmail address. This provides for improved communications
and creates legacy and continuity as board members change so that there
will always be a same email address and place for storage of corporation
documents and materials from yesterday, today and tomorrow read our
article to get a start on the possibilities.

One last note – SAVE THE DATE!! Yes North Sask CCI Chapter is hosting the
Spring 2020 National Leaders Forum. The meetings will last 3 days (May
27th to 30th, 2020) but the most important date is Saturday, May 30th when
there is a trade show of service providers and we will have the opportunity to
hear from condo owners and professionals from across the country on issues
of importance to all condominium owners. Make sure to mark your calendar
to attend the meetings and social events at the 2020 Forum.

Donna Singbeil

NS-CCI Board President

NSCCI BOARD MEMBERS If you have a topic that you would like CCI to investigate
and include in the newsletter please let us know.
NATIONAL COUNCIL You can reach us at: [email protected]
EXECUTIVE
JAMIE HERLE Rebecca May-Gorges
North Saskatchewan Chapter
PRESIDENT & Box 7074, Saskatoon SK S7K 4J1
NATIONAL COUNCIL REP www.cci-northsaskatchewan.ca
Email: [email protected]
DONNA SINGBEIL
Phone: 306.370.6224
TREASURER
MELISSA KIEFER Upcoming events with CCI, Watch our website and
your email for registration information:
MEMBERSHIP
MELISSA KIEFER November 19,2019 - Condo Strength meeting.
DIANA ROBSTAD December/January - Condo 200 Course - Date to be determined

EDUCATION February - Next Edition of the newsletter & Condo Strength
ELAINE PEGG May 2020 - Leaders Forum in Saskatoon
DIANA ROBSTAD
HILLARY SAYED Ask the Experts - 2019 AGM
LYNNE NASTIUK

NEWSLETTER
DEVIN BAKER

MEMBERS AT LARGE
NORM OSBACK
LEXI JAMIESON

JOHN DEMCHENKO
DALTON TAMNEY

MEMBER RELATIONS
JAMIE HERLE - FACEBOOK

GOVERNMENT
LEGISLATIVE POLICY

DONNA SINGBEIL

CANADIAN CONDO
INSTITUTE NORTH
SASKATCHEWAN

BOX 7074
SASKATOON, SK S7K 4J1
[email protected]

306-370.6224

2

City of Saskatoon Organics • Plant/Yard waste –leaves, plants, flowers
Waste Program
• Can or cannot include everything from leaves and
John Demchenko and Lexi Jamieson grass clippings to small branches and Christmas tree –
with every city creating their own specifics
CCI North Sask. Organics Waste Committee
Communication to potential information sources and partners • Other - varies and in some cases surprising or
started off a bit slow. After numerous attempts contacting dif- questionable
ferent Council members by e-mail and phone, we were finally
successful reaching project managers. • Dryer lint, floor sweepings, animal bedding (from bird
We have access to information for both curbside and multi-unit or hamster cages)
residential programs. It seems like there may be a chance to
influence the multi-unit program a bit, as there are additional • Cold ashes from fireplace or barbeques!!
feedback sessions scheduled for November. Links for the pro-
grams are as follows: • Pet waste – some facilities with sophisticated
https://www.saskatoon.ca/engage/saskatoon-talks-trash- screening can take animal feces
multi-unit

https://www.saskatoon.ca/engage/saska- Collection receptacle/ liners –
toon-talks-trash-curbside • To bag or not to bag and what type of bag(s) that is the

question.

If you are a condo resident, board member or property man-

ager, there are newsletter sign-ups and information pertaining • NO Bags - Halifax provides mini-bins for use in the
to plan details we suggest that you look into. kitchen – wrap wet food in one sheet of newspaper

or put in a cereal type box

My comments -:

In reviewing various munic- • Bags – craft paper lined with newspaper or paper towel
ipal programs from coast to –first choice
coast, that can be found on-

line, it appears to be a “work • Compostable bags – most cities
in progress” situation. The

programs vary from Halifax • Biodegradable and oxo-degradeable - yes and no
with very strict rules and reg-

ulations to Edmonton which • Ottawa just changed, July 2, 2019 to say: “Starting

has shut down the program to today, plastic bags are allowed to be used as a clean and

start over. Winnipeg is in start- easy bagging option for your food scraps and paper towel

up mode and Kelowna is still and tissues in the green bin” “If residents choose to use

looking for a plan. plastic bags to dispose of their organics, they are encour-

What will be accepted in Sas- aged to reuse bags that may otherwise be thrown out, such

y of Saskatoon Multi-ResidenkattioaolnWwiallsdteepeCnodlolenctthieopnroP-ropoassaml ilk or bread bags”
cessing facility chosen. “..in a market research study, sixty percent of people who

uSmasskaaeTntghodoeoroniiettehsismeoprsfr:moapucolctesiiprnetgesditdoefoinmrtipGalleRpmErEoeNpnetCrttAhieResTr/eOcyrgclainngicosffoarllgiannitchme actaetr-ials fosreldom use or do not use the green bin, said they would

participate if plastic bags were allowed”

rrently c•o ndoFsoohdavweasshtaere–dForurictsomanmduvneaglebtianbsleanpdeepliicnkgusp, btaybCleosmopolitan Industries The City of Saskatoon, rather
than trying to “re-invent the
scraps, meat, fish and solid dairy products, bread, wheel” has taken in to account
what has been learned in oth-
e Implem entpataisotna,draitcee,isbyoentetso, bcoefdfeeecigdreodubnudts,atDeaecbisaigonanRdepeogrgt is to be presented er cities across the country and
City Cou ncil bsyheylelsar–-emnodr(eNoorv.l)ess standard across the country seems to have made choices
based on this. The City appears
al decis•io n tiSmoeilleindePfaoprearcwceapstteed: m-–avtearriiaelss ferxopmecctietyd twoitchityDecision Report (Nov.) to have gleaned the best from
other municipalities in putting
• food soiled napkins and paper towels are generally together the Processing RFP
which can be found at this web
port wil l incluadcecerpetsaebalrech from other jurisdictions – funding, accepted items, page
lection

• newspapers - to line the collection container,

le waste is divided in to the categories of: yard waste, food scraps, food soiled paper https://pub-saskatoon.es-
nd other • ccoranctkaeinreorrs cereal boxes as the “in suite” collection cribemeetings.com/filestream.

ples of •th esemairlke:cartons to CcoiltleyctoffaStsaasnkdaotiolson Multi-Residential Waste Collection ashx?DocumentId=74115 3

Proposal

comDmuotdyattoeA–cJcaommime oHdeartle –anJdamDiaenHieelrKleaatznmdaDna, nCieuleKlenatazemreanL,LCPuelenaere LLP

raise the defence that the activity or refusal of some action

which generated the complaint from the Owner is rationally

connected to the Bylaws or policies. The Board must also show

that the Bylaws and policies were adopted in good faith, and

that the activity or refusal by the Board is necessary to the

purpose being carried out by the Bylaws or policies. When

the Board raises this defence, it must demonstrate that the

necessary purpose being carried out was done in a way that

accommodated the aggrieved Owner to the extent that it did

od2ic0ro1eRtAnc8hidtDDAsago(ottashrhmaauntyespinoatnp“CuwnilAyiuioeenscmdhselteoo”rstt,/wo).uKdo2.Olicn0dTaron1eehbtnecA8reezdt/vo(Aoadcmterhmwicrcyreytaieoanop“riucemiArnutmosoopcm,thfetoro”sclmrC).uett.saOygludTnioionsnthbeuledseadetlitvavAieaeaostiwucrdnnhytttuaeobaperaiuemtrleosyolopdotfrb–feorneecolrdettbmasagTwe(LniidhsnJtaLleidsraasaePtitcCavwimroot)ioudafnmntuiriedbieseanoetlToasmythooHfobiernfreoyidSeumaalpTmwresrdhlkagaePeiarcsiersttcCciolrochaaopiefmentesnwiidrisobtnoadynTamnsthAoeiHecndrtyiuSnfsT,uoamah1phomncs9raotiktas9nPuaucc6srtltaarcdeiocelhctpeaetcemshwotrbetemaayantsuBAmreHinocdxotuda,,odmur1nada9eanat9naihd6osneandtnrdowtsthihlejliupObsetwfooncrneoternhseiindCceiordeneddnotim.n Tilnhigiauhtmt isoCftootrhpseoaryeanttithoirnaet.
grooufnbpdersyoshouincbhditeaTdshsgeerxo,uCsnoedxnsudsaoulcmohrianesniustaemtxio, nPse,rxoraupcael,rotmryiaernAitcattli,ostn1a,t9ura9sc,3eg,etmnhdaaertirtaiadlpespntatlittueyss,ogrteoenxdperbreseidsieionnnta,itny oornegxopirnegssdioins,pute, which then generates a Human Rights
oolmoudcpri,rrsTAceodcoehcirdsnitemab,dpbiaSitoigrnelaomiedat,sttyfieickn,rnoocagpilmtuotoasclmugidhtiraini,secisndd.acwsilrisOtviaomaainrnbdniirenulHeOiaaltutviywilgsn,emingporfeayourralonsgioitmbamniRcienatlipdhisgleoteihofsarsrptctn.srraroPeOinCmhluiwtirgobsiinndsuiotetaaeeurandst,otobcbgu2ntrerooet0yotlehnit1ueihpend8nfterspdoua.Ar(sacoPc.tbcnthhuttiei,recboasceuiaon“ntsaeAwndngdbdcatoogtartr”mroieseo)nelit.unhagodnTietfudiohdAmsoine.sicsnst,pasrchuectohiotnpeemd,ooppmwaflairhntitihniiuectems,hsptwhtaahirerleleteibnenestgicrewoennihelsilrisdabteoteerresycdoao,fnnHtsohiutedmjecuroasentndda,Runnciitgosahot nltjasudtescrtdeolamainntcpioiildsnaeosinhlnatitp.t,eotdhf einecn
accoTmhamissodeduatttyeotifos apncorcotoahmbibsmoitoluedtdaet.egTirhsoenugonet ndaebsrsaoslluuructelhe. Toahfsethgsueemnxeb,riassl etrhuxaluet atohlfetochrouinmednbotmiastitnihoiauntm,thceoAcrposonrdaaontmioeinnxiaummpcolerpoorfattihoen principles considered above, there was
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light
actuoaf2lt)hmetahetrneixti,Breaonfaadrcndtuoahtljaumssatdtoroinxne,eiannscdiodnmeonett.jtuhTsihtnaogtnietshitnoactsiadayedntvht.eaTtrhsshaetolyuislditmothspeaayBctotheaardtdsthahnoedultdhethOe wBnoeard and the Owner

Owner through the Bylaws or policies; and

3) that the Owner’s disability was a factor in the adverse impact

(Moore v. British Columbia (Ministry of Education), 2012 SCC

61 (S.C.C.)).

Once the Owner has demonstrated the 3 above factors,
the onus then shifts to the Board to show that the Bylaws
or policy were created in a way that was reasonable and
necessary for the purpose it intended to achieve, whatever
that purpose may be. The Condominium Corporation may

4

Board Meeting Minutes: Corporation`s ability to carry out its activities or negotiations.
Therefore, when an owner or person authorized by an owner
requests a copy of the minutes pursuant to the Regulations,
any portions of the minutes concerning a specific owner, a
particular unit, insurance, employment, prejudicial or legal
matters should be deleted so that the reader cannot identify
the unit owner or confidential information. It is recommended
that the board keep separate minutes for this purpose; where
the appropriate provisions should be blacked out or removed
as part of the normal process of storing minutes for purposes
of providing access to information pursuant to “Regulations”.

Board Meetings and ”In Camera
Meetings”

What is necessary and what Some boards will make their meetings open to observers.
should they or should they not contain? As indicated above, there are some items that should not be
disclosed and discussed in front of the general ownership.
“In camera meetings” are necessary at times and if used
properly and not used excessively, they are important and
useful. An “in camera meeting” means a private or closed
meeting of the board; this means that only the board members
and if the specific circumstances dictate others required for the
discussion who may be providing information and material to
the subject matter before the Board attend the meeting.

The Condominium Act, 1993 (the “Act”) grants ultimate “In camera meetings” are often misused by boards and
authority for managing the condominium corporation’s affairs therefore lead to misunderstandings and mistrust among
to its board of directors subject to any restriction or direction condominium owners. It is suggested that boards respect
given to it by its members at an AGM. The Act further requires condominium owners concern about the Corporations affairs
that a board shall keep minutes of its proceedings. A commonly and try to maintain transparency and an open policy with
asked question is, “What should be and what should not be respect to all matters that they can and that the owners respect
included in the minutes?” and trust the board, their duties, responsibility and obligations
that they have entrusted in them by voting them to be their
Minutes of board meetings are a record of the decisions board members to carry out the Corporation’s affairs.
and actions taken by the board in the course of fulfilling its
responsibilities and duties. Minutes should be a formal record “In camera” meeting minutes are not to be accessed or
of what the board has done to carry out the business of the disclosed to general membership and are “In camera” because
Corporation. They should be a concise record of the board`s of the liability and privacy issues to be heard. Any record of
discussions and decisions. Minutes should not be a complete an in camera meeting should be a separate document and not
transcript of every discussion and word at the meeting; they disclosed to general membership.
do not need to contain speeches, arguments or particulars on
motions that are not passed, but rather they should contain Article By:
the material aspects of the meeting including what type of Donna Singbeil
meeting, the date, whether a quorum was present, what action and Jamie Herle
items were raised by motion, the material aspects that led to North Sask CCI Board of Directors
the vote, and whether they were approved or not. November 2015

According to Regulations of The Act, owners are entitled to Jamie Herle, B. Comm., LL.B., ACCI
request to see the minutes once they have been adopted or
approved (for the preceding 12 months from the date of the Specializing in Condominium Law
request) and therefore issues of privacy are raised. When
providing owners with access to the minutes of a condominium #200 – 450 2nd Avenue North, Saskatoon
meeting you must be careful not to offend privacy legislation. www.cuelenaere.com
You need to ensure that owners are not provided access to (306) 477-7243
minutes that contain details of discussions identifying particular [email protected]
owners, identifying specific units, employment matters, specific
contractual negotiations or pending arrangements, potential
insurance claims, litigation or matters that could prejudice the

5

Cloud-based software The use of voice and text is proving to be very popular. Voice
on the rise in condos messages are a digital translation of text-based announcements,
which are sent from a desktop to a recipient’s home phone
(this method is exceptionally important in reaching those who
may have poor eyesight). Push notifications and text messages
can be sent instantaneously to a recipient’s cell phone. This
technology has made it easier for property managers to send
out mass announcements to their communities via multiple
modes simultaneously, reaching a higher percentage of
residents and regularly keeping them up to date with relevant
information.

With suppliers
Property managers spend a substantial amount of time obtaining
quotes for goods and services to maintain their property. Tech-
savvy condo communities are now taking advantage of the
ability to store and track all purchase orders online. They are
able to create a comprehensive online database of preferred
suppliers.

Five ways tech-savvy communities are Communication with suppliers and all relevant stakeholders
using solutions to streamline operations can be handled entirely online. Obtaining the appropriate
approvals is also just a click away. Bringing this process online
Wednesday, August 9, 2017 streamlines the entire process, making it much easier for
By Dale Shackell property managers to get things done fast.

In recent years there has been significant growth in the 2. Amenity bookings
adoption of cloud-based software among tech-savvy condo
communities and property managers. These communities and Amenities within condo buildings are a huge draw when it
property managers have used such software to streamline comes to attracting buyers and tenants alike. It is up to the
operations and help cultivate a more connected environment. condo corporation to make sure amenities are easily accessible
Here are five popular ways they are embracing technology to and to promote fair use for all residents. Organizing all of this
achieve this: can often cause massive headaches as buildings generally
have many different amenities, which all have specific rules
1. Communication and regulations when it comes to booking and usage. This is
even more difficult for corporations managing shared amenities
With residents across multiple buildings.
In the past, communication between property management
teams and the condo communities they managed was As a solution, many tech-savvy condo communities have
very static and paper based — an outdated method many implemented online amenity booking that reflects current
communities still use today. Many digital options are now policies and procedures. Residents are empowered to request
available to better communicate and connect instantly with bookings themselves, freeing up time for property managers,
owners. While many condo communities have transitioned to and this also eliminates the potential to double book. Amenities
using email, not everyone in the community has email and so that require payments — for example, a party room deposit —
new alternatives have emerged. can be paid for online with a credit card, adding convenience
for both the resident and the management team.

tas-Technical Advisory Services Inc. Websites:
www.tasreservefunds.com
www.brunsdonlawrek.com

S. Terry Sobieski, FMA, CRP, ph:306-221-0069 Grace Muzyka, AACI, CRP, ph:306-244-5900

6

Digitizing this process frees up time and space for the concierge
and the owners and/or residents receive and manage their
packages with less hassle.

3. Online proxy voting

Reaching quorum is a difficult task to achieve for many condo 5. Mobile apps
buildings that have a high proportion of off-site owners. In
order to streamline the entire process and reach quorum on
the first try, many tech-savvy condo communities are looking
to online proxy voting. Those using this technology are able to
send out proxy voting information electronically and recipients
can choose whether to vote online via proxy or attend the AGM
in person.

The management team can track the voting statistics via an There is an app for almost everything these days, even for
online dashboard and review the exact dates and times votes condos. There are various software options on the market,
came in to inform future planning and execution. How many including solutions that offer native smartphone apps that
reminder emails were required? Should administrators have complement the main system.
given owners more time to vote? How many votes were made
by online proxy versus in person? A mobile app allows property managers to complete tasks
on the go; owners and residents can book visitor parking
4. Package tracking and deliveries on the fly, open a service request or work order, and upload
pictures straight from their smartphone. Having a mobile app
With huge growth in online shopping, many condo communities to complement the desktop version saves time and helps keep
have seen a major increase in packages being delivered to condo owners connected wherever they may be. These are just
the concierge. Tech-savvy condo communities are using online a few examples of what can be achieved through a supporting
package tracking in order to streamline and organize their mobile app.
delivery and tracking process to better cope with the increase.
Tech-savvy condo communities are leveraging a variety of
The software is being used to log packages and automatically features by adopting cloud-based software to help streamline
send notifications and reminders to recipients by email, text many previously manual tasks. Technology will continue to
message, or voice message. Electronic signatures are captured grow and evolve creating new opportunities for tech-savvy
and stored securely online once a package is picked up, condo communities to become even more connected and
reducing any delivery disputes that may arise. efficient in their operations, leaving only one question — what
will be next?

www.GrasslandsCPA.com

[email protected]

(306) 380 - 0036

7

resulting from short-term rentals. Different measures will need
to be taken depending on whether the corporation’s declaration
prohibits or permits short-term rentals.

Condos with declarations that specifically prohibit
short-term rental

Managing short-term If a condominium declaration prohibits short-term rentals, the
condo rentals corporation has a statutory duty to enforce the declaration.
There is no option to turn a blind eye and allow short-term
rentals. The corporation should ensure that residents are
familiar with the corporation’s documents by circulating the
provisions that prohibit short-term rentals to each owner and
resident and posting them in elevators or on bulletin boards
reminding residents of the prohibition. Residents should be
directed to immediately inform on-site security or property
management if they suspect that units are being used for
short-term stays and to document all observations. Front desk
security/concierge staff should be vigilant and watch for people
coming and going from the building with suitcases.

Finding balance in the shared economy If short-term rentals are suspected, the management or the
concierge should look at the short-term rental websites to
Monday, October 7, 2019 see the online advertisement being used to market the unit.
By Denise Lash Any evidence that is gathered will assist with enforcement.
Corporations should promptly notify offenders in writing of
The explosive growth of online short-term rental websites their non-compliance and demand that use of the unit for
has caused considerable controversy and concerns for short-term stays cease immediately. If the non-compliance
condominium corporations. While some investor owners are continues, the matter should be escalated to legal counsel
listing their units on these websites in order the maximize the where the complaints, advertisements, or incident reports
revenue generated from their units, many resident owners do gathered will assist with effective and timely enforcement (and
not welcome short-term condo rentals. recovery of all legal fees).

Short-term rentals have several negative ramifications. In In order to make it more difficult from a practical perspective
addition to detracting from the sense of community that many to rent units on a short-term basis, the corporation can enact
permanent residents desire, they can raise concerns about rules that limit access to key fobs to owners and residents.
safety with so many strangers coming and going at all hours. Fobs should be issued in person only to those whose identity
Moreover, short-term rentals can lead to increased wear and and residence has been verified by two pieces of original
tear on the common elements, lead to inappropriate behaviour government-issued photo identification and only one per
by short-term renters interferes with the quiet enjoyment person.
of residents, and generally create a situation where the
condominium becomes, in effect, an unlicensed, unregulated Condominiums with declarations that permit short-term
hotel. rentals

While short-term rental websites may have started with Some condominium declarations specifically permit short-
homeowner hosts trying to generate extra income by renting term rentals, while other declarations are silent about short-
out a spare bedroom, things have certainly changed. Many term rentals. In either case, the corporation can take steps to
short-term rental accommodation listings and revenue come amend the declaration to prohibit short-term rentals. In order
from hosts who are commercial operators running a full-time to do so, the written consent of the owners of at least 80 per
rental business within their residential units. cent of the units must be obtained.

At the present time in Ontario, ther-e is no legislation that This is a high threshold that is very difficult to obtain, especially
regulates or restricts short-term rentals. While the City if there are a large number of investor owners who do not want
of Toronto adopted regulations to license, register, and to be limited in the rental of their units. If the declaration is
regulate short-term rental companies and impose a municipal silent about short-term rentals, the corporation can enact rules
accommodation tax on short-term rentals, those regulations that prohibit short-term rentals.
are not in effect pending the outcome of an appeal of the City’s
zoning by-law amendments permitting short-term rentals. With Enacting rules is easier than amending the declaration. Notice
no governmental regulation in place, it is up to condominium of the proposed rules must be given to the owners, who will
corporations to implement measures to address the concerns have the opportunity to requisition a meeting. If a meeting
is requisitioned, the owners will vote against the rules. The
8

threshold is the majority of votes cast by owners present at • The program gives condominium management the
the meeting either in person or by proxy. If the threshold for right to approve or decline each host’s listing before it
the vote is not obtained, the rules will come into effect. If goes live on the site.
no meeting is requisitioned, then the rules become effective
31 days after the board has given notice of the rules to the • Once a condominium is registered as an Airbnb-
owners. If the declaration specifically permits short-term friendly building, hosts cannot become an Airbnb host
rentals, the corporation cannot take any steps to prohibit outside the program. Whenever a resident in the
short-term rentals. condominium decides to host and enters their address
in the Airbnb system, they are automatically routed
However, corporations whose declarations permit short-term to the condominium hosting rules and commission
rentals can enact rules that regulate them. Such rules could percentage payable to the condominium corporation.
provide for the following:
Many condominiums whose declarations permit short-term
• Require short-term rental hosts to enter into an rentals have realized that short-term rentals are here to stay
agreement with the corporation before making the unit and that rather than trying to ban them outright. Therefore,
available for short-term rentals. it makes more sense to take measures to regulate them and
give the corporation some control over the short-term rental
• Require hosts to obtain and provide written proof of activities in the condominium.
insurance coverage for short-term rentals.
Denise Lash is the Founder of Lash Condo Law. This article
• Require hosts to provide the names and addresses of first appeared in CondoBusiness Magazine September 2019.
the short-term renters and the duration of their stay. It pertains to Ontario Law and readers must check their
provincial and municipal regulations and laws as they may
• Prohibit short-term renters from using any of the apply to similar short term rental situations.
facilities or amenities of the corporation.

• Require hosts to obtain at their cost a special short-
term renter key fob and prohibit the host from providing
any other key fob to short-term renters.

• Prohibit hosts from using front desk security/
concierge to drop off and pick up key fobs.

Corporations can also enroll in Airbnb’s Friendly Buildings
program, as this will give the corporation more control over the
Airbnb activities in the condominium. The program implements
a number of measures that will benefit the corporation:

• The corporation will be provided with information
about which units are being rented through Airbnb, the
dates that guests check in and out and the number of
guests.

• All guests will be required to provide government-
issued ID to Airbnb.

• Airbnb will conduct checks on guests and will only
allow Airbnb guests who have 100% positive reviews.

• Airbnb’s property and liability insurance will be
extended to cover the corporation and the common
elements.

• The corporation will receive a portion of the revenue
from the rentals to compensate for the increased wear
and tear on the common elements and increased
security costs resulting from short-term rentals.

• Airbnb will refuse to allow hosts to use its booking
platform if there are too many complaints (e.g.,
nuisance, noise) generating from the rentals.

9

Snow Management However, if they had to choose: small operators and condo
Facilities - User Fees dwellers showed more support for a pay-per-load; and large
businesses tended to support seasonal permits.

For communication, respondents want clarity on what exactly
user fees pay for; they want to ensure the City does not lack
understanding of the impact of user fees; and they want the
City to clearly communicate how stakeholders will benefit from
these fees.

Of note, this engagement occurred prior to the existence of the
permanent snow management facility on Valley Road, which
began operating in January 2017.

The City is considering fees for private use Stakeholders such as snow removal companies, haulers,
of the snow storage sites to help reduce and other affected groups (such as condo associations) were
the City’s snow management costs. encouraged to fill out an online survey to provide input on the
potential for user fees for private use of the City’s snow storage
The City of Saskatoon has three snow management facilities, sites. The survey also asked for feedback on the permanent
or storage sites. These include a permanent site at the Civic snow management facility on Valley Road. The survey closed
Operations Center on Valley Road. In order for the sites to on October 14, 2019.
remain functional throughout the winter, strategic snow
pushing is required at each site to allow residents, private A summary of this input, as well as the input from previous
contractors, and city crews to quickly and safely dump snow. engagements, will be included in a report to the City of
This process can be costly depending on the amount of snow Saskatoon Standing Policy Committee on Transportation
Saskatoon experiences each winter. City Council asked City in early 2020. The summary will also be posted on City of
Administration to investigate options to reduce the City’s costs Saskatoon Webpage.
related to snow storage sites.
https://www.saskatoon.ca/engage/snow-management-
The snow storage sites are currently 100% funded by property facilities-user-fees
tax through the mill rate. However, approximately 75% of
snow hauled to the sites is related to private snow hauling while Information provided by:
only 25% is related to the City’s snow removal operations. Derek Gould
One potential avenue for reducing the City’s costs would be to 306-986-3023
charge private haulers a user fee to use the snow storage sites. [email protected]
By charging a fee based on use, costs would be recovered from Enginneer-in-Training
those who use it. City of Saskatoon

Stakeholders such as snow removal companies, haulers,
and other affected groups (such as condo associations) were
engaged with in 2013 regarding the potential of user fees
for the snow storage sites. These engagements included
information sessions, one-on-one telephone interviews, a
public open house, and an online forum. Feedback provided
during those engagements included:

Overall, respondents support improving site operations and
access to sites. They like the idea of having permanent storage
sites and recognize that improvements are necessary. If a fee
is charged, they expect an improvement in service.
Some support the idea of user fees, as long as the fees are
used to make the system work better. They expect user fees
will lead to improvements in service, potentially saving money
for stakeholders. Even still, there was mixed feedback on fees
where most people did not support snow storage user fees.

10

How To Take Minutes needed. When composing Meeting Minutes the below criteria
should be followed:

Board Meetings 1. Heading: Should include the word “Minutes”, the name of
the group, place, time and date and whether the meeting is
A board meeting is attended by representatives appointed or regular board or committee meeting or of special purpose;
elected to coordinate the work of an organization. They meet at
regular intervals and are bound by law to take minutes. 2. Attendance: those who attended and those who were
invited and did not attend. These can be listed casually or in
Committee Meetings alphabetical order or according to board or committee hierarchy.
Sometimes attendance record is necessary to show a quorum,
There are essentially two types of committees, a Standing therefore late arrival or early departure should be recorded to
committee that is permanently established to deal with a regular ensure quorum is maintained for motions and votes in accordance
issue or an ad hoc committee created for a special function with Bylaw.

There are three necessary ingredients of a meeting: 3. Prior Meeting Minutes: previous meetings in draft form
can be approved as printed or circulated and approved with
1. Assurance of closure - decisions will corrections as noted in the meeting.
be handled appropriately and not
ignored; 4. Reports: written reports should be summarized and/or
attached to the minutes, verbal reports can be presented if the
2. A Strong chair who follows an proper person is attending the meeting to present a specific
agenda maintains professionalism committee report. If a report contains a statement of opinion
during meeting; and and facts and concludes with resolutions by the board or
committee, then you should record that the report was “adopted”
3. Accurate minutes, the “Handbook” or “accepted”.
states that if the minutes of a
meeting are not accurate the 5. Finances: Monthly statements are usually presented and
meeting might just as discussed under the Treasurer’s report. No action is required on
well not have taken place. this type of report. However, it is suggested that the report be
accepted as presented by motion and vote. A treasurer’s annual
Agendas should be prepared for every meeting and presented to report is different and should be reviewed or audited according
all intended invitees to the meeting prior to the meeting date. to the bylaws (by a CPA or properly licensed accountant) and
Calling of a meeting may be by regular schedule and agreement approved and adopted by the Board as the official YE Financial
of the board or committee. Alternatively a chair or president Statements prior to presentation to the AGM.
may call a meeting for a specific purpose. The meeting personnel
should include the leader (chair), the minute taker (secretary) 6. Correspondence: should be read and either filed or attached
and the participants (board or committee members). According to the minutes. Other communications may also be addressed
to Roberts Rules of Order, if the chair is absent and there is no here (phone calls, fax messages). There should be direction as
vice-chair present, then the secretary should call the meeting to to any discussion and agreed response to any correspondence
order and preside over it until the group elects a temporary chair received as well as whom is formulating the agreed response on
from attendees to preside over the meeting. Meeting objectives behalf of the Board or committee.
usually fall in to four categories:
7. Business arising from previous meetings: here is where
1. to solve a problem issues deferred from past meeting are dealt with in the current
2. to reach a decision meeting. Details should be inserted as to any follow-up actions.
3. to provide information New actions as a result of previously handled business are
4. to develop a creative idea recorded.

Good minutes provide a formal record and a clear objective 8. New Business: Introduction of new information, assigning
summary of activity; the means of conveying information to specific tasks and setting deadlines.
people who were unable to attend; a reminder of future expected
action; and historical background of the decisions made and 9. Date of Next Meeting
sanctioned by proper motion and vote. When approved, minutes
of meetings are considered official documents and can be used 10. Adjournment/termination of meeting.
as evidence in legal proceedings.

Meeting minutes can be written in a variety of styles based on Summary of Meeting Minutes provided by Donna Singbeil
nature of meeting and dictates of bylaws or the corporation. President – North Sask CCI Chapter
There can be Formal minutes governed by a chair according Licensed Property Manager – ICR Commercial Real Estate
to a parliamentary code which are strict in their process; or
Semiformal small groups without clearly defined operating Resource: The Minute Taker’s Handbook by Jane Watson Second
structure but which boards or committees follow an agreed Ed. Apr 1999.
agenda of the purpose and actions for the calling of the meeting.
With the exception of motions and votes, which should be 11
recorded verbatim, there is some latitude in the amount of detail

Why Are My Insurance Premiums

Increasing This Year?

What do the terms “market cycle” and
“hard market” mean?

Similar to most other products or services, the price of
insurance can rise or fall in response to changes in the larger
market. The biggest factor is the cost of claims, but premiums
can also be affected by taxation and other costs, investment
returns, and competition. Stay tuned. We’ll provide more detail
on each of these factors.

When times are good, it’s usually because costs are in check

and insurers are making a healthy profit (To give you a rough

idea, overall industry profit has fluctuated between 2% and

18% over the last 25 years). When insurers are making money,

they gain confidence, and try to increase their market share.

That creates competition and drives prices down. And we enter

what is called a soft market. This usually takes the form of a

March 2c6o, m20p19etBiytioNinck. SKtidadyatnudnAeldM.aWggei ’ll provide more dgreatdauiallornedeuactciohn oofr stability of insurance premiums over a

WYhouy tmAheraseeyfMhacaytovrIesn.rseucernatnlcyerePcreeivmeiduamrsenneuwmbaerloffoyerarys,oasuirnsuareurstoco,mpete for new customers.
homWeIhonerncbtrimeuaessisnairneesggsoTiondhs,iiust’srYuasneuacaelrly?abnecdausseeecnomsOatansrthkaaerritieogs’siihnnicneescu2rhr0ea1tnc8hck.eOaainnnndthdueustosrpyuphoaassiltebeseidnesolifptphiengcotionw, awrhdesnatihmaerds

March 26i,n2s0u1r9eBrys Naircek KmidadkainndgAal Mhaegaglithy profit (To give ayroeubaadr, ocousgtshairdeeuas,ually on the rise and insurers are either

increase in your premium. When you called to ask yourYou may ohavveerraelcleinntdlyursetcreyivepdroafrietnhewasalfflourcytouuar taeudto,bheotmweeentlohsa2itn%git’ssaunnbodsttaw1no8tri%tahl aothmveeorurisnkts(ionfvmesotonresy,coourlmd eaakrinngsismoilliatrtlerepturornfist
insurance broker what’s happening, and heard the wordsor businetshs einslausratn2ce5aynedasrese)n. Wa hhigehnerinthsaunruesrusalainrecremasaekiinngbmy oinnveesyt,intgheiny gveariyn secure things like Government Bonds
your premium. When you called to ask your insurance broker like Insurance). This is when
prices go up – sometimes so
“market cycle” or “hard market” as a reason for thesewhat’s hacpopnefniidneg,ncaend, ahnedardtrythteowinocrdrsea“mseartkheet icrymclea”rkoer t
srcahotmaherpreet.tihtTiaohnnamgtoocerrseewraiastkyeysdovewnnt,uarensd

increases, you started to wonder what on earth these termsw“hoanrddemr wacrhkoaemtt”opnaeseatairttrihoeatnhseoasnnefdoterrdtmhrseivsaeecstiunpaclrrleyicamseeessa,dnyoaownudnswt.ahArytnetdhdetwoy e
feasntttehratwyhoau tciasn cgaeltlewdhiaplash – while insurers try to restore
hard market.
profitability. This is known as a
are affectsinogftyomuraprkreemt.iuTmh.is usually takes the form of a gradual reduction or
actually mean and why they are affecting your premium.WiannWceriwemeaapsnoewtrdesitndaaetnasvtntoeubnptgrialeeiiivrftrdteyysooyoftcuofoutodhimaiendgnnsrpiei’uvnteasremstiaoedanneykfrceoow’serhauvypnicerlayewaeoiwnmumorn.ciipntuuhremssismtiossdiuumoebmjvereemc’rstrsa,.yavasihneaituvwiems obapTenuhrretisomtohciifnuaismynsuesrbaaseanruncsadeb, sacpjuaeosrnlpiccraytisf,hfineoagcldtlsyetrhiismte. pimsoartajaonnrittyfaocftobrusininyeossu,r
insurance
home and

important part of the reason why your premium may have
increased even if you didn’t make a claimDL. oosIenMsuornaenyc?e Companies Really Ever

What do the terms “market cycle” and “hard market”Believe it or not, the answer is yes. There are a number of
factors which drive the profitability of insurance companies,

mean? which can lead to periods of substantial unprofitability. Some
of the factors which lead to a hard market and subsequent

Similar to most other products or servicesin,crtehaseespinripcreemoiumf ianresuasrfaolnlowcse:

can rise or fall in response to changes in the larger market. The

biggest factor is the cost of claims, but premiums can also be

affected by taxation and hoatrhdemr acOroknestattsrsi,ioni’scneivn2es0Nus1atr8tamunrecaelnoitrnmdreuatsnut-rmrynahdsae,scaantadstrophes:

been slipping towards a

On the opposite side of the coin, when timesEalraeibnaed, cFoastrsbaraecher-Pegg, CAIB

usually on the rise and insurers are either losing subCsotandnotmiailnium Insurance Specialist

rasiemsckou(urinenvtteshsiontofgrmsslociknoeeuyGld,ooevraemrrnnamskiimenngitlasBroorlneittdtulserrnpasrtohbfeyitrintthhvaeatsnetitilm1n’[email protected],a8eSy6ans-ek3ar2tao3gon2enS7cNie2sG.c9 a

12 ventures like Insurance). This is when competition goes way down,

market.

This can be a surprisingly important factor in your insurance
premiums and can affect the majority of business, home and auto
insurance policyholders.

Do Insurance Companies Really Ever Lose Money?

Believe it or not, the answer is yes. There are a number of factors
which drive the profitability of insurance companies, which can
lead to periods of substantial unprofitability. Some of the factors
which lead to a hard market and subsequent increases in premium
are as follows:

Natural or man-made catastrophes: technology (e.g., flat-screen TVs and sound systems in finished
basements) and can also be outfitted with more eco-friendly
Lastyear’s building materials like energy-efficient windows. These also
windstorm was the cost more to repair and/or replace.
costliest insured
loss event of 2018, From a business insurance standpoint, the industry is beginning
with insurers paying to see a substantial increase in water damage claims in older
out more than $622 apartment buildings or condos that are starting to break down.
million.
What Else Can Affect the Level ofIn terms of newer buildings, a trend toward more wooden
In Canada alone
it’s not too difficult frame construction is leading to a higher risk of widespread fire
to remember
events like the Fort tdoamcoangLteaein(vafseiroelpsopaofnsdecdloetamodstptooenleets,sitcdoioanmcnraegtieen)a.ntAdhlsseot,eamesl, wawehrikbcehectotem:nLde ike
LasMt yceMaru’srray fires in ademfeonrdceinoligtmigcuiopsuteosmtsioetcrisieoutynn,dmehroetrhelepliarswlisatuboiitlsitbymrpeioanlnicgsiehsp.igrhiecrecosstds oofwn
windstorm was the costliest insured loss event of 2018, w2it0h16 or the floods
oinfsu2re0r1s 3paiyningCoaultgmaroyre athnadn $T6o2r2omnitlloio,n.and of course, the ice storms All of nthuesme cbosetsr hoafveininscruearseedrsinwrehceont wyeialrlsbaet aafcasttievrely
of 1998 in Eastern Canada. Each of these events cost insurance rloastientghimannospnureeyrmaoinunmtchsee, tinoinstuhcrearnpecoeainpstowelihcseierwse tmhheaeynynseinltls.hureerys abreenlioewve
companies multiple billions of dollars in claims. You would be
surprised to know that in the last couple of years alone in profitable level. As a customer, you usu
Ontario, insurers have also paid out hundreds of millions of Whaint sEulsreanCcaen cAoffmecptatnhieesLeevnetleorftPhreicminagr?ket,
dollars in claims as a result of localized windstorms causing
damage to thousands of homes and businesses. hLeevaeltlhcyoofcomcmomppepateitntiiotiinoenhseilnples tathoevbermi.nagWrkperhtic:aesLtidkdeowoinnefosarnhycuasintpodmupseterrsyn., be

In addition, some of the major catastrophes south of the border Tinhseurnauinnmcesbeuinr rcorafeiannssceusreewrcshoewnhmothwpeiylal bbneeilaieecvsteivwethlyailctlopmerepimtehtiiunemgrsfowarryeaouanrtt m
in the last couple of years also matter. The recent California
wildfires, and multiple Hurricanes (Irma, Harvey, Maria etc.) ainspurroaftinthcaebelecyolmecvpaealnn. iAemss eaanctkeuresttohameegmr,oayrookuedt,uspourraeollxyfisiwttion)n,g’otinsrseuewrannoecwne ’t (
have cost the insurance industry billions of dollars. While these
claims might not directly affect the bank balances of Canadian cthoamtpianlnosiuesrsaenlcemeavceoo.mnWpeahynait)e.sdTowehislleheyiatphwpeerinlwlabfneothicmnudorstehoebunsscinesenesessll(iiinsf g c
insurers, they have a substantial effect on re-insurance costs.

What is re-insurance and why should I they tthhinak tthtehyecyanfemeakleaaregomod oprroefit)p, roor fwiotna’tb(lief ,thaeynd w
care?
think they’re going to lose money). They will focus on selling
certainthtyaptestohfeinysutrahnicne kthawt itlhlelyofeseel atrhe emmore mproofitnabeley,. A
Just like you pay premiums to your home, car or business
insurer, they too pay premiums, to larger global insurance and will avoid selling insurance that they think will lose them
companies called re-insurers. The reason is this: If a small
insurance company collects $500 million in premiums one year, moneyw. Aourelcdentbeexaimnpltehoef thhisowsopuiltdableitiyn tihnedhuossptitraylity– w
and then a big storm hits and leads to $200 million in claims, industry – where many Canadian insurance companies have
that company could have to declare bankruptcy and the claims
wouldn’t get paid. To protect themselves and their customers, stoppeind sofuferriangnicnseurcanocme topathnisikeinsd hofabvuesinsestso(pdupeetdo aoffe
insurers buy re-insurance, and that means that the larger re- lack oloef sfpsrbcoofuimtaspbeiilntiittyeio).sn,sOsfo(dctohuueryesew,tilolthineacrreelaamsceaiktnhineogirfpinprsicureroserfasintdnaobbwe ility
insurers will pay for claims that are beyond a certain value. On have
the downside, when there are major events like hurricanes,
ice storms, 911 etc., reinsurers have to increase the premiums tvoeriynssuienrlees.ctuTivhreaetarbcsaouunst ewoshwaichbihghoapsrvpoietbalellimteysbfosurscihnioegshms-erispsktehhetoyistcpihiotoanolist,ey so
they charge to your insurance company, and that will affect
your premium as well. businepssreisctehsat,ainnsdombeecavsees,rcyans’teflinedcitnisvureanacebaot uallt. whic

cInasnurseotrmhs etehtiyamtecdsohnao’cthowieasvneet ttohtoasteliglnonaeslwubpyroerliec.dieTuschoinfagattphcaeratniucuumslaebrestrypaoef big
ibnrsoukreerhrssowwsihllopwaiatrneat ltaoibthlyeavtbeouassesmllinathneeyisrinspsuerorsadnutcchet.baIrnotk,aeirnssoafsts opmomasrskibeelte,cas
all.represent them in the market. When times are tough, insurers

Increasing claims costs:

The biggest cost for insurers is paying claims. They charge you
premiums based on how much they expect to pay in claims,
but those costs can increase for a number of reasons. Let’s just
look at some day-to-day examples like auto collision repair.
Many modern cars now have various pieces of technology built
into windshields and bumpers. These are great because they
improve safety, but what used to be a fairly straightforward
and low-cost repair (say, to your bumper) is now more
expensive and time-consuming, with higher parts and labour
costs. The average home now also has lots more expensive

13

may cancel their agreements with certain brokers, making it Auto insurance in Ontario has been especially unprofitable for
harder for potential customers to find them. Although they are a number of insurers and there is a fair chance that you will
still technically open for business, in a practical sense, this see an increase in your premiums this year. The same can be
reduces competition. said for home insurance, where increasing claims costs and a
few bad storms in recent years have led to unprofitability.
Investment returns:
Business insurance has been highly unprofitable in some
Insurers are often holding substantial amounts of money from areas such as trucking and transportation insurance, and in
premiums, and reserves that they are holding for claims that the hospitality industry. Commercial property insurance is
they believe will be paid out to customers over time. This also challenging right now for many insurers. At the same
money is invested by the insurer in things like bonds, which time, liability insurance for businesses such as consultants,
make a positive return for them. In times of high investment contractors and medical professionals are more stable.
returns, these earnings can offset claims costs and, in theory,
the insurance company may settle for a lower profit from its There’s definitely less competition for many types of business
insurance business. Of course, in times of lower investment insurance right now, with insurers withdrawing from products
returns (like in recent years), insurers need to be more like transportation and hospitality. In this low interest rate
profitable from their insurance business, and premiums tend economy, investment returns are not substantial enough to
to rise. subsidize losses from increasing claims.

General capacity in the market: While we are not quite in what could be described as a “hard
market”, there are signs that price increases are on the way,
By law, insurers need to hold a substantial amount of capital and without question, insurers are all being more selective
(money) in order to write insurance policies. This rule is in about the kind of insurance they want to sell, and to whom.
place to protect you, the customer, from a situation where the
insurance company does not have the physical cash to pay How long does a hard market last?
claims that might happen. An insurer’s “capacity” is a reflection
of how much business they are able to write with the amount Our prediction is that we will not enter a full-blown hard market
of capital that they are holding. In times where the industry is unless we see further catastrophic losses in Canada (major
profitable for insurers, they will attract substantial amounts of weather events etc.). Instead, we will see more of a market
capital from shareholders and other investors. In times where correction by insurers who will a) be more careful about the
the industry is unprofitable, it is more difficult for insurers to
attract investors and raise capital. Less capital means they
can’t sell as much insurance.

What Part of the
Insurance Cycle Are
We in Today?

Most observers will say that
we have been in a soft market
now for 15+ years. Prices have
been fairly flat over that time,
and if you look at premiums for
auto insurance in Ontario, for
example, they’ve increased less
than inflation over that time.
There have been some fairly
modest increases in premiums
for auto and home insurance in
recent years, but at the same
time, premiums for commercial
liability and property insurance
have been gradually dropping
for a number of years.

The last couple of years have
not been profitable for the
majority of insurers in Canada.

14

kind of policies they sell, and b) gradually increase premiums WWiillllooww PPooiinntt FFiinnaanncciiaall SSeerrvviicceess LLttdd..
in areas where they don’t make enough profit.
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Many insurers will be content to not grow until they are ♦♦ Administration
able to sell insurance at a price that makes them what they ♦♦ BBooookkkkeeeeppiinngg
consider to be a healthy return.
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Depending on what type of insurance you are buying, you ♦♦ RReesseerrvvee FFuunnddIInnvveessttmmeennttss
can expect to see moderate premium increases over the
next couple of years, and in some rare cases, mostly related CCaallll((330066)) 995522--11116600
to business insurance, you may find it challenging to find Email: [email protected]
insurance at all. We expect it to stabilize after that. Of course, WWee pprroovviiddee ddiissccoouunntteedd rraatteess ttooCCCCII MMeemmbbeerrss
regulatory changes, severe weather and other unforeseen
events could change all that.

What can I do to minimize the increase?

During these periods of reduced competition and increased
premiums, our recommendation is that you speak with your
insurance broker to understand your full range of options. It’s
important to make sure your broker has access to a very wide
range of insurers, because the difference between the highest
quote and the lowest quote will be larger than normal. If you
still can’t get a quote that makes sense for you, your broker
may suggest a higher deductible to keep your costs down.

15

JOIN NOW: CATEGORIES OF MEMBERSHIP

CCI has a membership category to suit everyone. You will notice that we have made a change to our membership fees for the July 2017 - June
30, 2018 membership year in response to National looking for each Chapter to provide more financial support to the National Program. Locally,
we have changed to a per unit calculation for fees to better represent the services required by each category and is a much easier way for
NSCCI to calculate fees while being fair to our members.

CONDOMINIUM CORPORATIONS/ASSOCIATIONS

Annual Membership $5/unit with a minimum of $125 and a maximum of $300
This membership category is open to all Condominium Corporations or Associations. Each Corporation designates a person to be their
"member representative" to receive all notices and communications from CCI. That person can also vote on behalf of the Corporation.

PROFESSIONALS

Annual Membership $250
This group includes all those individuals who earn a portion or all of their income from providing professional services to the condominium
industry, for example, lawyers, accountants, engineers, condominium managers, real estate agents or brokers, appraisers, insurance brokers,
etc. Professional members can, after two years, apply to become Associates of the Canadian Condominium Institute. If they are successful in
meeting the qualifications and challenging the exam, these members are entitled to use the designation ACCI.

INDIVIDUALS

Annual Membership $90
Persons who have an interest in the condominium community can become individual members. This group of members includes condominium
owners, authors, and professors.

BUSINESS PARTNERS

$350 or $300 for businesses with 5 or less employees
Any corporation (other than one that would qualify for condominium or professional membership), partnership, sole proprietorship, government
agency, investment firm, lending institution, advertising company, or other business entity (electrical, plumbing, landscapers, etc) involved in
the condominium industry.

Each business designates a "member representative" to cast their vote and receive information from CCI.

FINDING CONDOMINIUM SOLUTIONS

16 ICR Commercial Real Estate is committed to
continuous and meaningful interaction between
ICR Half Page Ad CCI-new.indd 1
the Property Manager, Condominium Owners,
Boards and Tenants. ICR’s industry knowledge,

experience and expertise provides useful and
relevant information to Clients when making

critical business decisions.

– Craig Kuse
Partner/VP Residential Management

[email protected]

ICR Commercial Real Estate

261 1st Avenue North
Saskatoon SK S7K 1X2
Phone: 306.664.6118 Ext 204

Fax: 306.664.1940

icrcommercial.com

2017-09-08 1:25 PM

Information provided to our membership:
Condo 100 - Director’s Introductory Course

This course will provide directors with the basics of Getting Started as a
Director, Responsibilities & Governance; Property Management Options;
Planning; Financial; And other responsibilities; Understanding the Condo
Plan; Bylaws & Policies. Our next Condo 100 will be run in May unless we

have an increased request for it before May 2020.

Condo 200 – Financial & Insurance Issues for
Condominiums

This course will provide directors with information on Financial
Responsibilities, Budgeting, Common Expense Fund, Reserve Fund, AGM
and Year end Financials, Estopple Certificates, Insurance, and Retention of

Records and Documents.
Our next Condo 200 course will be run in January 2020. We will do 2

classes in January to ensure we can get many participants through.

Condo Strength Meetings

Condo Strength is held four times per year in the months of February,
April, September and November. Topics are selected based on the requests
from participants as noted in the survey completed after each session.
We continue to work with a variety of condos to locate board rooms to

accommodate the meetings.

Other Programming

We are working at putting together some programming that is specific to
Condominiums and their needs. These will be a combination of day and

evening times to allow for all our members to access the information.

National Resource Center

National has built an amazing resource center for our members to access
information. They will be updating and adding information on a regular
basis so please make sure you are checking often if you are looking for
something specific. You are also welcome to request specific information

and they will try to accommodate if its available.

17

Lorne Young Award
Chapter of the Year Award

Each year CCI chapters compete for the ‘Lorne Young Chapter of the Year’ distinction
and plaque. The award goes to the chapter providing the most benefit to its members

and exceeds the minimum requirements in all areas of chapter
re-certification requirements.

This year our chapter was honored with this award at the National Leaders
Forum in Toronto, ON.

18

MEMBERSHIP APPLICATION

MEMBERSHIP TO JUNE 30, 2020

How/from whom did you hear about CCI?:

CONDOMINIUM CORPORATION MEMBERSHIP

MANAGEMENT COMPANY: Province: Suite #:
Contact Name: Email: Postal Code:
Address:
City: Fax:
Phone:

n I agree to receive electronic correspondence n I DO NOT wish to receive electronic correspondence Signature: Date:

CONDO CORPORATION:

I Townhouse I Apartment Style I Other Board Member 3: n Mr. n Mrs. n Ms. n Other
Name:
Condo Name/No.:

No. of Units: Registration Date: Address:

Address: City: Province: Postal Code:

City: Province: Postal Code: Email:

Phone: n I agree to receive electronic correspondence Signature:
n I DO NOT wish to receive electronic correspondence Date:
Email:

n I agree to receive electronic correspondence Signature: Board Member 4: n Mr. n Mrs. n Ms. n Other
n I DO NOT wish to receive electronic correspondence Date: Name:

Board Member 1: n Mr. n Mrs. n Ms. n Other Address:
Name:
City: Province: Postal Code:
Email:
Address:

City: Province: Postal Code: n I agree to receive electronic correspondence Signature:
n I DO NOT wish to receive electronic correspondence Date:
Email:

n I agree to receive electronic correspondence Signature: Board Member 5: n Mr. n Mrs. n Ms. n Other
n I DO NOT wish to receive electronic correspondence Date: Name:

Board Member 2: n Mr. n Mrs. n Ms. n Other Address:
Name:
City: Province: Postal Code:

Address: Email:

City: Province: Postal Code: n I agree to receive electronic correspondence Signature:
n I DO NOT wish to receive electronic correspondence Date:
Email:

n I agree to receive electronic correspondence Signature: Electronic Correspondence: This section must be completed in order for the
n I DO NOT wish to receive electronic correspondence Date: membership application to be processed. CCI communicates with its membership
via e-mail regarding updates on condominium legislation, CCI events and opportunities,
newsletters, and member communications; in accordance with the Canada anti-spam
law, you must indicate whether you wish to receive electronic correspondence from us.

Please forward all correspondence to: I Management Company address I Condo Corporation address

Fee: No. of condo units: x $5.00 = $ 0.00 I Minimum $125.00 I Maximum $300.00

METHOD OF PAYMENT:

Cheques should be made payable to:

Canadian Condominium Institute - North Saskatchewan Chapter
PO Box 7074, Saskatoon, SK S7K 4J1
Email: [email protected]

19

MEMBERSHIP APPLICATION

MEMBERSHIP TO JUNE 30, 2020

How/from whom did you hear about CCI?:

MEMBERSHIP TYPE: Annual Fee Fee Owing
Individual Membership | I $90.00 |$
Professional Membership | I $250.00 |$
Business Partner Membership | I $350.00
| I $300.00 |$
Small Business (5 or less employees)

CONTACT INFORMATION:

n Mr. n Mrs. n Ms. n Other

Name:

Company Name (if Professional or Business Partner):

Address: Suite #:
Postal Code:
City: Province:

Phone: Fax: Email:

Business Website:

This section must be completed in order for the membership application to be processed. CCI communicates with its membership via
e-mail regarding updates on condominium legislation, CCI events and opportunities, newsletters, and member communications; in accordance with
the Canada anti-spam law, you must indicate whether you wish to receive electronic correspondence from us.

I I AGREE to receive electronic correspondence I I DO NOT wish to receive any electronic correspondence

Signature Date

METHOD OF PAYMENT:

Cheques should be made payable to:

Canadian Condominium Institute - North Saskatchewan Chapter
PO Box 7074, Saskatoon, SK S7K 4J1
Email: [email protected]

20

PROFESSIONAL & BUSINESS PARTNER MEMBERS DIRECTORY:

(check out this list of businesses for your Condominium needs)

ACCOUNTANTS:

PricewaterhouseCoopers LLP Melissa Kiefer 306-270-9143 [email protected]

Baker Tilly SK LLP Willie Birss 306-242-4281 [email protected]

Grassland Group Jocelyn Rodgers 306-380-0036 [email protected]

Cogent Chartered Colin Taylor 306-934-3944 [email protected]

Professional Accountants LLP

CONSTRUCTION:

Lydale Construction Leanne Booth 306-934-6116 [email protected]
[email protected]
Handy Quotes Inc. (Kijenga) Kevin Kindrachuk 306-716-9477
[email protected]
Sawyer’s Landscape Management Norm Altrogge 306-244-8906 [email protected]

Goodwen Management Inc. Kevin McEwen 306-281-2826

FINANCIAL INSTITUTION:

Canadian Western Bank 306-244-8008

INSURANCE BROKERS:

Rayner Agencies Ltd. Elaine Pegg 306-373-0663 [email protected]

Butler-Byers Insurance Tony Lazurko 306-653-2233 [email protected]

SGI Canada Bruce Chupa 306-683-2340 [email protected]

LAWYERS: [email protected]

Cuelenaere LLP Jamie Herle 306-653-5000

PROPERTY MANAGERS:

Colliers International Shirley Silburt 306-653-1229 [email protected]

Elite Property Management Roger Wilson 306-956-0044 [email protected]

ICR Commercial Real Estate Donna Singbeil 306-664-6118 [email protected]

Progressive Property Management Hillary Sayed 306-652-3322 [email protected]

Real Property Management Professional Carla Browne 306-244-7276 [email protected]

Saskatoon Real Estate Services Lorie Houle 306-978-6688 [email protected]

Turanich Acquisition Management Suzanne Turanich 306-652-9777 [email protected]

REAL ESTATE: Laura McNern 306-931-2880 [email protected]

North Prairie Developments

RESERVE FUND CONSULTANTS AND APPRAISERS:

Brunsdon Lawrek & Associates Grace Muzyka 306-244-5900 [email protected]
[email protected]
Suncorp Valuations Ltd. Devin Baker 306-652-0311
[email protected]
Tas–Technical Advisory Services Inc. Terry Sobieski 306-221-0069 [email protected]

Carlson Reserve Fund Planning Sherril Carlson 306-292-8455

& Consulting Inc.

We are proud to be associated with our professional and business members. The CCI Saskatchewan Chapter does
not warrant, guarantee or accept responsibility for work performed by the companies or individuals listed. Members are
encouraged to compare quotes for services they require and to ask for references when contracting for goods and/or
services.

21

NORTH SASKATCHEWAN CHAPTER
CANADIAN CONDOMINIUM INSTITUTE
Advertising Rates for the Newsletter

“Your Condo Connection”

Banner Ad at the bottom of the front page in COLOR (1” high x 6” wide) $250

Banner Ad top of inside pages B & W (1” high x 5” wide) $175

Business Card Size Ad B & W (2” high x 3.5” wide) $225

Quarter Page Size Ad B & W (5” high x 4” wide) $250

Half Page Size Ad B & W (5.5” high x 8.5” wide) $300

Full Page Size Ad B & W (11” high x 8.5” wide) $400

Full Page Ad Back Cover only in COLOR (11” high x 8.5” wide) $700

*If you pay for advertising in 2 issues upfront you get advertising in the 3rd issue
for free.

Please note all size dimensions are approximate and advertising may be
manipulated as required by printers in order to fit to page print dimensions.

For more information contact:

Devin Baker Shirley Silburt, Editor

306-652-0311 306-227-2006

[email protected] [email protected]

22

Notes

23

MAY 27TH - 30TH, 2020
SHERATON CAVALIER HOTEL

612 Spadina Crescent E, Saskatoon, SK S7K 3G9

EXPLORE THE REMAI MODERN! DISCOVER THE WESTERN DEVELOPMENT MUSEUM!

24


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