The guides debuted at a Habitat for Humanity International's
"Congress Building America" home in Washington, D.

3%) said they get information about community
association issues via e-mail and 39.com .

advocates administers

, this week.4% because they find it of "no value.7%).

Dallafior Named President and CEO of New Blue Cross Blue Shield of Michigan Long-term Care Insurance Subsidiary; Morrone Named President and CEO of DenteMax Su

cooperatives boardmembers

Hardcopies will be shipped today to the local
associations and should be received within two to three weeks.

CALL 2005 Survey Shows Florida Condo HOA Population Now Year -Round Trending Younger Working More + Supportive of Boards

associations boardmembers

The Homeownership Alliance is a coalition committed to ensuring
support for the American housing system.
The National Association of Realtors, "The Voice for Real Estate,"
is America's largest trade association, representing 1 million members
involved in all aspects of the residential and commercial real estate
industries .6% of non-board
members say they favor strong enforcement;
* Fully 93.

The percentage of survey respondents who currently serve on their
association's board of directors declined in 2005 to 48.
More information on the Community Association Leadership Lobby can be found at
http://www .
Morrone and his wife Lynda and family reside in Dearborn.

administers associations

In addition, the booklet lists resources available through the
Department of Homeland Security, the Homeownership Alliance, and local
government and community officials. Members include Consumer
Federation of America, The Council of Insurance Agents and Brokers,
The Enterprise Foundation, Fannie Mae, Freddie Mac, Habitat for
Humanity International, Independent Community Bankers of America,
Independent Insurance Agents + Brokers of America, Local Initiatives
Support Corp.7% feel warning letters should be sent to fellow owners who do
not comply with rules, regulations and government documents, while 78.

assisting governed

org.
Habitat will also distribute the guides to new owners of Habitat
homes.1%
say they never check their association website, most because no site exists,
but for 10.
"We are extremely pleased at the sizeable growth in the response to the
CALL 2005 Survey, the result of community association residents increasingly
wanting to make their voices heard and of CALL's concerted effort to include
as many Florida community association property owners as possible in this
year's survey," said CALL Executive Director Donna D. The new company is expected to
begin selling long-term care policies in July 2006.

neighborhood developments

9%) give their association boards a favorable approval
rating on handling of association finances; and,
* An even greater percentage (77. CALL advocates on behalf of more
than 4,000 member communities, including condominiums, homeowners'
associations, mobile home communities and cooperatives throughout the state.

interaction governed

The guide is a valuable resource for homeowners on the practical
measures they can take to prepare their families and their homes for
different types of emergencies.
Sponsored by the Community Association Leadership Lobby (CALL), an
advocacy group established in 2003 by Florida -based law firm Becker +
Poliakoff to advance the shared interests of the state's common-ownership
community associations, the 2005 CALL survey response increased by 73% as
compared to 2004, with a total of 1,299 condominium, cooperative, timeshare,
mobile home and homeowner association members responding in 2005 to the
survey.3%), while across all types of associations 93.2%). He formerly served as president and CEO of
DenteMax, the largest independent dental PPO network in the nation and also a
Michigan Blues' subsidiary.
He resides in Royal Oak.

echo cmca

1% consult the Internet -- though 68.com .
Dallafior received a bachelor's degree in marketing from the University of
Minnesota . He received a bachelor's degree in economics from
the University of Michigan-Dearborn and a master 's in business administration
from Wayne State University.bcbsm.

boardmembers condominium

S.6% in 2004 to
31% in 2005; and ,
* Condo and HOA owners are increasingly "wired" -- after newspaper
articles, more than half (51.6% of the total -- up
from 415 condo owner responses (60.7 million members through a variety of plans:
Traditional Blue Cross Blue Shield, Blue Preferred, Community Blue and Healthy
Blue PPOs, Blue Choice Point of Service, Blue Care Network HMO, and Blue
HSA(SM) plans compatible with health savings accounts. For more company
information, visit http://www.

condo interaction

2% of the total 1,299
responses , as compared to 51. From 1982 to 1992, he played
professional football for the Michigan Panthers , Detroit Lions, San Diego
Chargers and Pittsburgh Steelers.com .

finances managers

Respondents to the survey expressed concern over insurance-related issues
and a general ambivalence toward seeking association help in preparation for
catastrophic storms, while community financial matters and board-member
integrity , maintenance of their communities and enforcement of standards,
rules and regulations are among issues that they say concern them most.4%) in 2004.

governed finances

, National Association of Federal Credit Unions, National
Association of Hispanic Real Estate Professionals, National
Association of Home Builders, National Association of Mortgage
Brokers, National Association of Real Estate Brokers, National
Association of Realtors, World Floor Covering Association, National
Bankers Association, National Council of La Raza, and National Urban
League. More than
a quarter of respondents (25.

About the Community Association Leadership Lobby (CALL)
The Community Association Leadership Lobby is the leading organization
working to enhance the quality of life and protect property values for
Florida's community association residents. In 1992,
Dallafior receive the National Football League 's Ed Block Courage Award.
Morrone joined the Blues in 1983, where he has held various underwriting
positions that served large and small businesses, trust funds, associations
and chambers of commerce .

Sites for specific homeowner associations are listing in the appropriate Regional category, according to their location.

maintain advantages

REALTOR is a registered collective membership mark which may be
used only by real estate professionals who are members of the NATIONAL
ASSOCIATION OF REALTORS and subscribe to its strict Code of Ethics.
Results of the second annual CALL 2005 Florida Community Living Survey,
conducted online statewide from Oct.9% say they don't significantly rely on
their association for catastrophic storm preparations -- an attitude that is
more pronounced among HOA owners (70% ), less so among condo unit owners (35%);
* Only a quarter of the state's community association population fits the
"snow bird" category, with fully three-quarters living at least seven months
of the year in their Florida home and a full two-thirds claiming full-time
residence of 10-12 months annually;
* In tandem with the percentage of full-time residents, the percentage of
those employed full-time is up from 22.3% also
support fines and at least two-third support additional enforcement measures
of lawsuits (69. Results of the
survey can be seen in a summary port posted to the website of the Community
Association Leadership Lobby at http://www. Previously, he was director of national accounts marketing and
sales.

homeowners developments

Realtors Will Soon Be Able to Distribute Emergency Preparedness Guides to New Homeowners Says NAR

This
and other news releases are posted in the Web site's "News Media"
section in the NAR Media Center.callbp.

Category contains sites that deal with homeowners associations, including advantages and disadvantages, as well as general topics.

ownership homeowner

org. 1-Nov."

Condominium ownership was the majority form of ownership shown in the
survey, with response from 802 condo unit owners, or 63.2% of the total 751 responses in 2004.6%) say they have never served on any association
board, also down from last year (31. He is a founder and board member of the Courage House.

homeowners condominium

Department of Homeland
Security.

Information about NAR is available at http://www.
"The 2005 survey confirms some trends first noted last year, brings to
light other information and answers many pending questions about Floridians
living in community associations, giving civic , business and community
association leaders the opportunity to listen, learn and better serve this
increasingly important and vocal group of Florida citizens," said Ms. Berger,
a Becker + Poliakoff shareholder and community association attorney, who has
counseled South Florida community associations for the past 12 years.
Blue Cross Blue Shield of Michigan provides or administers health care
benefits to just over 4. Blue Cross Blue Shield
of Michigan and Blue Care Network are nonprofit corporations and independent
licensees of the Blue Cross and Blue Shield Association.

cooperatives developments

C. The guide includes information on
collecting emergency supplies, making effective emergency plans for
families, and understanding the kinds of threats homeowners may face., The increasingly
significant segment of Florida's population who live in condominium, homeowner
and other common-ownership living associations statewide appear to be getting
younger, staying in the state longer, working harder , actively informing
themselves about issues that impact their communities and are generally
supportive of the peers they elect to handle their finances and run their
associations. 30, show new trends in the
concerns, attitudes and lifestyle choices of this increasingly important
segment of Florida 's population.

Key findings of this second annual CALL 2005 Florida Community Living
Survey include:

* Insurance affordability and availability is of extreme concern for 69%
of all owners statewide, while 45. He was responsible for selling and servicing national accounts,
including the Federal Employee Program, a position he held since 1999.

neighborhood associations

The guide was
produced through a partnership between the Homeownership Alliance, a
19-member housing coalition of which the National Association of
Realtors is a charter member, and the U. Realtors will be
able to include the booklets in closing packages to new home buyers,
said Mansell, CEO of Coldwell Banker Residential Brokerage in Salt
Lake City.
DHS Secretary Tom Ridge said the DHS was pleased to join the
alliance in creating the guide .8% favoring a measure of compassion for "hardship exceptions as needed";
* Even greater support of strong enforcement is seen among condo unit
owners (98.5%) and liens against property or foreclosure (67.

ownership echo

National Desks/Real Estate Writers

WASHINGTON----What can you, as a new
homeowner , do to protect your family and your home during an
emergency?
A new booklet, the Emergency Preparedness Guide, which outlines
what to look for and how to make plans to cover different kinds of
emergencies , will soon be available through Realtors.
The booklets will be made available in hard copy and
electronically to Realtors by the Alliance to the more than 1,400
local associations of Realtors, and will also be available at
REALTOR.
"This will be a great help to homeowners on how to prepare
themselves to react in any kind of emergency situation like floods,
fires, or terrorism," said NAR President Al Mansell.

advantages advocates

Key responses to questions on community financial issues and board
performance showed:

* Fully three-quarters (75%) say they are "extremely concerned" about
keeping the association budget balanced, with 64% also eyeing reserves and
special assessments as issues of extreme concern;
* Just as many (74.
Previously, Dallafior was president of HBE Agency and was vice president
of sales for DenteMax from 1992 to 2000.

fronts cooperatives

6% in 2004 to 27% in 2005, while those
who work from home at least a few hours per week is up from 21.
The margin of error for the total sample of the CALL 2005 Florida
Community Living Survey is +/- 3% at the 95% confidence level .

managers neighborhood

Response to Annual Florida Community Living Survey Jumps 73%; Insurance,
Financial Issues, Enforcement Chief Among Property Owner Attitudes, Concerns

FORT LAUDERDALE, Fla.2%) for "strong enforcement ," with
51. DETROIT, Blue Cross Blue Shield of Michigan today
made two personnel announcements in conjunction with its creation of a new
insurance subsidiary that will offer long-term care insurance and advice on
healthy lifestyles to Michigan residents.

advocates condominium

"As a result of our partnership, the
resources and tools of the department's Ready campaign will be
available to assist new homeowners in America to prepare themselves,
their families and their homes for emergencies," Ridge said. Berger, in announcing
the results.

On enforcement of rules, regulations and governing documents:

* There is overwhelming support (96.

Ken Dallafior will serve as the president and CEO of the new insurance
subsidiary of the Michigan Blues.
To fill the vacancy created by Dallafior's move, the Blues promoted Rick
V. Morrone to serve as the new president and CEO of the Blues' subsidiary,
DenteMax.

neighborhood finances

realtor. HOA property owner respondents
grew in real terms from 238 last year to total 370 in the 2005 Survey, while
owners of cooperative, mobile home, condo hotel and timeshare property
combined amounted to just 7% of the 2005 total.2%) feel their board members "are
responsive to the community" -- with a solid two-thirds majority of non-board
members (69 %) saying the same.callbp.