Sabal Harbour Homeowners Association, Inc

Effective: 12/12/2025

Risk Management Proposal for:

PCS Insurance Group Inc. 3315 Henderson Blvd, Suite 200 Tampa, FL 33609 813-868-1010

PCS Insurance Group Inc | Confidential

2 Sabal Harbour Homeowners Association, Inc

About PCS Insurance Group Pt hCeS fIansstue rs at ngcreo wG ri no ug pa igse an cpi reisv ai nt e tl yh eo ws tna et ed. , Of uul lr sfeorcvui sc eopnr ot hpee rqt uy ai lni tsyu roaf noc ue ra gc ae rnrci ye rasn, ds poencei foi cf mFloarrkideat pkrnoopwelretdygiensaunrdanhcigehinedthuisctarlys. tandards have earned us recognition as a leader in the Op ruorpdeiratgyn, ob sr ti ni cgai npgp rpoeaacche hoef lmp si nodu ra nc ldi ecnotns fti od ednect ee rtmo itnheo st he ewbheos tdion sbuursai nn ce es sc owvi et hr aoguerf oa gr et hn ec yi r. Wc o em bpirni ad tei o on uor fs et lavi leosr eodn i npsruorvai nd ci ne gc ot vheer ahgi eg.hPe Cs tS lheavse lbs e eonf bs ue ri lvt i coen adne dv e lfoi npdi ni ng gc ot mh em ri ti tgehdt ryeolua tai or en sthi ri epds wo fi twh oorukri negx iws ti itnhgac gl iaerndt es na-nv da rsi ee tl ey citni vs eulrya np cuer saugi enng cny e, ww el oi nn gv i tt ee rymo up at or t nf oerrgse. Iaf new relationship with PCS, the property specialists.

Sabal Harbour Homeowners Association, Inc 3

Our Commitment Ac ot mPmC Si t mI ne snut raanndc ew eG pr or uo pv i, d seetrhvei chei gihs e shtolwe v ewl eo f sseetr voi cuer swe il tvhe si n taepgarri tt .y . OWu er t calki eenpt rs i daer ei n ot hu er qt ou ae lsittaybol if sohulropnrgotdeur cmt sraenl adt itohne sphei pr ssown ai tlhi z oe ud rs ec lriveinc tes wa ne do fmf ear i. nTthaiisn aap lporyoaal cghr ho ua sp aol fl o“wA ”e dr aPt Ce dS insurance carriers that have partnered with us year after year. At htePyC dS ewmeasnt rdi vaentdo hg ai vvee ael lvpe or yl i cryi ghhotl dteor se xt hp ee cmt . oAs ts cao mt eps teat mi t ievne tr at ot eos uarn dc ot mh emqiut ma l ietnyto, fPsCeSr vhi ca es earned Vendor of the Year recognition from many of our clients. Service Highlights:  Dedicated Community Association Service Team  COowmnperlimpoelnictyary unit owner coverage reviews: Explanation of Master policy vs. Unit  Less than 24 hr turn-around on certificate requests  Assistance with budget projections well in advance of renewal  We work throughout the claims process with each client who has experienced a loss

4 Sabal Harbour Homeowners Association, Inc

Community Association Service Team Ap rl lo Pv iCdSi nI gn sau rwa enaclet hG or of ur pe scol ui ernc tess at roe saesrsvi eg nt eh de i tr onae et de as .m Yoof usrp teecai aml i swt si l wl ihnoc l aurdee daend iacsastiegdn et do Ae xc pc oe rutni st e Ei nx eCchuat ipvtee rw7 h1 o8 ri se qau iLr iecme ne snet ds , aCnodmamCul aniimt ys MT eaanma greera, day tPoe ar sdovnoac la tLei no ensy ot euarmb ewh ai tl hf . Oe xuprepr ireonf ec es s iaonnda l se xpprei dr tei steh etmo sme leveets oo nu re xc cl ieelnl et ns ’t isnesruvri caen, caen dn eaerdes .d eYdoiuc ra t eSde rtvoi cue s iTnega tmh e ii sr committed to anticipating and fulfilling your insurance needs. Ultimate accountability for your program is the responsibility of Anthony de la Torre. While a number of professional staff will be active with your account on a day -to-day basis, Anthony is responsible for meeting your expectations. Condominium Service Team Members Position Unit Owner Service Team Members Position A n( t8h1o3n) y8d6e8 l- a1 0T 1o 0r r e adelatorre@pcsins.com Agent ( 8A1l3e)x i8s6R8o- 1l o0n1 0 arolon@pcsins.com UI nn istuOr awnnceer Ch(r8i1st3in) a86W8a-1gg0o1n0er cwaggoner@pcsins.com EAx ceccouut invte ( 8D1a3m) i8e n6 8B- o1y0l1e0 dboyle@pcsins.com UI nn istuOr awnnceer ( 8S1u3s)i e8 6B8a -x1l e0y1 0 sbaxley@pcsins.com Claims (P8a1t3t i) M8 6c K8 -e1n0z1i e0 pmckenzie@pcsins.com UI nn istuOr awnnceer C e r t(i8f i1c3a)t e8D6 8e -p1a0r1t m0 e n t certificates@pcsins.com Certificates A( 8l e1x3a)n 8d 6r a8 -L1o0p1e0z alopez@pcsins.com UI nn istuOr awnnceer

Sabal Harbour Homeowners Association, Inc 5

Property Location Schedule

Location Address 4506-16 Runabout Way $740,105 4520-30 Runabout Way $740,105 Building Limit 4534-44 Runabout Way $740,105 4535-45 Runabout Way $740,105

$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Occupancy Townhome-6 Units Townhome-6 Units Townhome-6 Units Townhome-6 Units Townhome-6 Units Townhome-8 Units Townhome-8 Units Townhome-8 Units Townhome-8 Units Townhome-8 Units Townhome-6 Units Townhome-6 Units Townhome-6 Units Townhome-6 Units Townhome-8 Units Townhome-8 Units Townhome-8 Units Townhome-8 Units Townhome-6 Units Townhome-6 Units Townhome-6 Units Townhome-6 Units Clubhouse Mail Kiosk Pool Entrance Gates Playground Equipment Basketball Courts 3 Trash Enclosures Tennis Courts

Contents

4510-30 Sabal Key Dr 4601-29 Sabal Key Dr 4606-26 Sabal Key Dr 4630-58 Sabal Key Dr 4633-47 Sabal Key Dr 4662-88 Sabal Key Dr 4701-17 Sabal Key Dr 4702-18 Sabal Key Dr 4723-33 Sabal Key Dr 4724-38 Sabal Key Dr 4737-47 Sabal Key Dr 4742-56 Sabal Key Dr 4751-61 Sabal Key Dr 4760-70 Sabal Key Dr

$740,105 $963,829 $740,105 $967,969 $963,829 $963,829 $967,969 $967,969 $740,105 $963,829 $740,105 $967,969 $740,105 $740,105

5003-31 Misty Canal Pl $963,829 5012-32 Misty Canal Pl $740,105 5040-60 Misty Canal Pl $740,105 5064-84 Misty Canal Pl $740,105 4650 Sabal Harbour Dr $475,039 4650 SABAL HARBOUR DR $914,864 4650 SABAL HARBOUR DR $28,200 4650 Sabal Harbour Dr $23,998 4650 SABAL HARBOUR DR $73,307 4650 SABAL HARBOUR DR $4,282 4650 SABAL HARBOUR DR $10,745 4650 SABAL HARBOUR DR $97,000

$25,000

6 Sabal Harbour Homeowners Association, Inc

4650 SABAL HARBOUR DR $29,399 4650 SABAL HARBOUR DR $156,433 4650 SABAL HARBOUR DR $8,811 4650 SABAL HARBOUR DR $47,015 4650 SABAL HARBOUR DR $227,525 4650 SABAL HARBOUR DR $1,379,636 4650 SABAL HARBOUR DR $5,237 4650 SABAL HARBOUR DR $25,800 4650 SABAL HARBOUR DR $30,603 4650 SABAL HARBOUR DR $9,071 4650 SABAL HARBOUR DR $23,207 4650 SABAL HARBOUR DR $25,600 4650 SABAL HARBOUR DR $134,345 Total

$0 $0 $0 $0 $0 $0 $0 $0 $0 $0

Fencing- Clubhouse $0 Perimeter Fence- Aluminium Barrier Arm Gates $0 Chain Link Fence- Entry/Exit $0 Telephone Entrance System

Perimeter Fence- Vinyl Perimeter Wall Fence- Tennis Courts Lighting- Tennis Courts Fence- Pool Equipment Fence- Swimming Pool Pool Heaters 4 Swimming Pool Deck

$22,042,503

$25,000

dBi un ig Insurable values are based upon October 24th, 2024 Appraisal

Sabal Harbour Homeowners Association, Inc 7

Property Coverage: Excluding Wind & Hail

Carrier:

Superior Specialty Insurance Company

A Non Admitted

AM Best Carrier Rating:

Special Form, excluding Wind, Hail, Flood, Earthquake

Coverage:

$22,067,503 Replacement Cost Agreed Amount $2,500 per occurrence

Limit of Insurance:

Valuation:

Coinsurance:

Deductible:

CCoovveerraaggee BA :&InCclcuodmedbiinnetdhseuBbuliimldiitn: g$ 5L0im0,i0t 0 0 per occurrence

Ordinance or Law:

Exclusion (included, but not limited to):  Mold  Asbestos  Nuclear  Pollution  Flood  Earthquake  Existing Damage  EIFS  Windstorm/Hail/Hurricane  Sinkhole (Catastrophic Ground Coverage Collapse applies)  Equipment Breakdown Minimum Earned Premium - 25%

8 Sabal Harbour Homeowners Association, Inc

Coverage Form Explanations

Basic Form Perils -

Fire, lightning, explosion, windstorm or hail, smoke, aircraft or vehicles, riot, vandalism, sprinkler leaks, sinkhole and volcano

Broad Form Perils-

Basic Form Perils plus breakage of glass that is part of building, falling objects, weight of snow or ice and water damage

Special Form Perils-

Covers “all risks of physical loss” unless the policy specifically excludes or limits the loss.

Catastrophic Ground- Catastrophic Ground Cover Collapse coverage applies only when geological activity results in all of the following conditions:  Abrupt collapse of ground cover  A depression in the ground cover that is clearly visible to the naked eye  Structural damage to the building, including the foundation  Condemnation of the structure and order by government authorities that it be vacated

Ordinance and Law-

Coverage A:

Pays for loss of value of an undamaged portion of the existing

building which must be demolished and/or removed to conform with municipal ordinance, code, etc. Coverage B: Pays for the cost of demolition of the undamaged portions of the building necessitated by the enforcement of building, zoning, or land use ordinance or law. Coverage C: Pays for the increased expenses incurred to replace the building with one conforming to building laws or ordinances, or to repair the damaged building so that it meets the specifications of current building laws or ordinances.

Sabal Harbour Homeowners Association, Inc 9

General Liability

Carrier:

Superior Specialty Insurance Company

A Non Admitted Occurrence $2,000,000 $2,000,000

AM Best Carrier Rating:

Coverage Form:

 General Aggregate  Products/Completed Operations  Each Occurrence

Limits of Liability:

$1,000,000  Personal Injury & Advertising Injury $1,000,000  Medical Expense $5,000  Damage to Premises rented to you $50,000  Hired/ Non-Owned Auto $1,000,000 Deductible: None Schedule of Hazards:

Description Townhomes or Associations Swimming Pool Playground

Exposure 582 members

1 1

Exclusions (included, but not limited to):  Employment Related Practices  Nuclear  Pollution  Professional  Mold  Asbestos  Terrorism

10 Sabal Harbour Homeowners Association, Inc

Crime

Carrier:

Superior Specialty Insurance Company

Discovery Form A Non Admitted

Coverage Form:

AM Best Carrier Rating:

Coverage:

Coverage Blanket Limit Employee Dishonesty Money & Securities Forgery & Alteration Money Order & Counterfeit Currency Funds Transfer Fraud

Limit $1,500,000 Included in Blanket Limit Included in Blanket Limit Included in Blanket Limit Included in Blanket Limit Included in Blanket Limit Included in Blanket Limit $100,000

Computer Fraud Social Engineering

$5,000 per claim

Deductible:

MD iar ne ca tgoerms ea nn td CTormu sptaene ys Non-Compensated Officers

Covered Employees:

PCS Insurance Group Inc | Confidential Tc ohmi s ppl reot ep op soal il ccyo inntfaoi rnms ao tni ol yna, ignecnl uedr ai nl gd ee sxccrl ui psti ioonns ,olfi mt hiet actoi ovne sr ,aagne d( s c) oannddi tdi oo ne ss , nr oe tf ecrotnos tt iht eu tpeoal i pc yo ldi coyc uc omnetnr at .c t . F o r Minimum Earned Premium - 25%  Per Florida Statute, “The association shall maintain insurance or fidelity bonding of all persons who control or disburse funds of the association. The insurance policy or fidelity bond must cover the maximum funds that will be in the custody of the association or its management agent at any one time. As used in this paragraph, the term “persons who control or disburse funds of the association” includes, but is not limited to, those individuals authorized to sign checks on behalf of the association, and the president, secretary, and treasurer of the association. The association shall bear the cost of any such bonding.”

Sabal Harbour Homeowners Association, Inc 11

Directors & Officers

Carrier:

Superior Specialty Insurance Company

A Non Admitted Claims Made $1,000,000 $2,500 per claim

AM Best Carrier Rating: Coverage Form : Limit of Insurance : Deductible:

Coverage Highlights:  Employment Practices Liability Included  Aorntyrcuusrtereesnti,npcalusdt,eodrafustiunrseurdeudlys elected or appointed directors, officers,  So pr ol euasseesd, ceommpml oi yt teeees mi necml ubdeerds ,avsoi lnusnutreeedr ss , e s t a t e s , e m p l o y e e s ,  Property management employees included as insureds  Defense Cost outside the Limit of Liability  No exclusion for failure to maintain insurance Exclusions (included, but not limited to):  Cc aounsdeudc at ma tatghees i (ndsouer send’’ts adpi rpel yc tti oo nd et hf eant si es fcroasut ds uulnetni lt , sduicshh oc on ne sdtuoc rt icsr iems ti anba ll i swhiet hd ibnyt ef inntatlon o n appealable judgment

12 Sabal Harbour Homeowners Association, Inc

Umbrella/Excess Liability

Carrier:

Greenwich Insurance Company

A Admitted Occurrence $15,000,000 None

AM Best Carrier Rating:

Coverage:

Limit of Liability:

Retention:

Endorsements/Exclusions (included, but not limited to):  Follow Form Endorsement  Foreign Liability Exclusion  Terrorism  Employment Practices Liability Exclusion  Punitive Damage Exclusion  Underlying Policy Exclusions Apply

Sabal Harbour Homeowners Association, Inc 13

Workers Compensation

Carrier:

PMA Insurance Company

AM Best Carrier Rating: A+ Admitted Employers Liability Insurance: BB oo dd ii ll yy II nn jj uu rr yy bb yy ADci scei da es en-t - $$550000,,000000 PEoa cl ihc ya cl icmi di te n t Bodily Injury by Disease- $500,000 Each employee Exposure: If any payroll Endorsements:

Includes Volunteer Endorsement Cv oo lvuenr taegeer sw; ohuolwd eevxet re ,ni df tWh eoyr ka er er sdCooi nmg pwe no rs ka twi ohni ci nh sruerqaunicree st oa license, they would NOT be covered.

14 Sabal Harbour Homeowners Association, Inc

Premium Summary

Coverage Package Umbrella Workers Comp Total Premium

2024 Premiums

2025 Premiums

$75,259.60 $7,075.18

$73,675.15 $12,513.89

$509

$503

$82,843.78

$86,692.04

 $5 Million Umbrella Option: $7,733.17  $10 Million Umbrella Option: $10,424.78

Dear Unit Owners,

PCS Insurance Group understands the importance of annual lender requirements for Certificates of Insurance. To make the process of obtaining certificates of insurance as easy as possible, please find multiple options below in regards to obtaining certificates of insurance.

Email: Email the request letter from your mortgage lender to certificates@pcsins.com

Fax: Fax the request letter from your mortgage lender to (813) 388-4598

Website: Go to our website www.pcsins.com and fill out the certificate request.

Mail: Mail a copy of the request letter to the address below.

If the unit owners or lenders have any questions while trying to obtain a certificate of insurance, please feel free to contact us directly.

Sincerely, PCS Insurance Group, Inc.

PCS Insurance Group Inc 3315 Henderson Boulevard, Suite 200 Tampa, Florida 33609 Phone: 813/868.1010 • Web: www.pcsins.com • E-mail: info@pcsins.com

HAZARD INSURANCE RESPONSIBILITIES AS GOVERNED BY FLORIDA STATUTE 718

CONDOMINIUM ASSOCIATION RESPONSIBILITY

INDIVIDUAL UNIT OWNER RESPONSIBILITY

DESCRIPTION

1. ROOF AND ROOF COVER

YES

Structural Framing and Roof Cover

2. EXTERIOR WALLS

YES

Paint, Stucco, Insulation, Studs,

Concrete Block, Brick, Etc.

3. UNIT INTERIOR WALLS

YES

Party walls, Unfinished Drywall

Insulation, Metal and Wood Studs

4. COMMON AREA

YES

Interior Walls, Studs, Block andDrywall

Floor, Wall, and Ceiling Finishes

5. UNIT INTERIOR

YES

Floor, Wall & Ceiling,Finishes, Paint, Carpet, Tile, Etc

6. UNIT AND COMMON AREA

NO NO NO NO NO

YES YES YES YES YES

Structural Floors

Structural Ceilings

Structural Walls

7. COMMON AREA AIR CONDITIONERS 8. COMMON AREA ELECTRICAL 9. INTERIOR UNIT COMPONENTS

NO NO

YES YES

Appliances

Electrical Fixtures

YES

Air Conditioners

NO NO

YES YES

Water Heaters

Cabinets

PCS Insurance Group Inc 3315 Henderson Boulevard, Suite 200 Tampa, Florida 33609 Phone: 813/868.1010 • Fax: 813/868.1012 • Web: www.pcsins.com • E-mail: Info@pcsins.com

UNIT OWNER vs ASSOCIATION HAZARD INSURANCE COVERAGE AREAS

This diagram is provided for illustration purposes only and should not be solely relied upon as the basis for insurance. We recommend you to review Florida Condominium Statute 718 and your specic condominium documents for updated insurance and maintenance responsibilities.

Unit Owner Responsibilities – Hazard Insurance

1 2 3 4 5 6 7 8 9

Bathtub / Shower Toilet Bathroom Sink Wall/Floor/Ceiling Coverings including paint, wallpaper, tile,

813/868.1010

wood, carpet, laminate etc. Electrical Outlets & Fixtures Interior Doors Refrigerator Oven/Stove & Hood Counter Tops & Cabinets

10 11 12 13 14

Kitchen Sink Dishwasher Light Fixtures Water Heaters & Water Filters Window Treatments, including curtains, drapes, blinds and all hardware

Association Responsibilities – Hazard Insurance

A B C D

Hot/Cold Water Pipes including Fire Systems/Sprinklers Perimeter/Load Bearing Walls including Common/Party walls Electrical Wiring Balcony/Porches/Stairs Unfinished Drywall/Wallboard Roofs to include covering, insulation & trusses Unfinished Floors Exterior Doors Windows/Sliding Glass Doors A/C & Heating unit including Compressor

E F

G H I J

www.pcsins.com

2 1

Fax: 813/868.1012 • E-mail: Info@pcsins.com

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