RELEVANT DOCUMENTS: ARC: ARCHITECTURAL REVIEW COMMITTEE APPLICATION ARC: Preconstruction Compliance Checklist ARC: ARC Committee Rules Revised 2019 CONSTRUCTION: CONSTR: Mailbox Designs (ARC Approved) CONSTR: Post Construction Form and Procedure THE POINTE: The Pointe Homeowners Association CC&Rs The Pointe Homeowners Association Bylaws The Pointe Homeowners Association Rules The Pointe Homeowners Association – Application for Design Review HLROA CONSTRUCTION RULES and INSURANCE REQUIREMENTS Prior to the commencement of any work, contractor (or for owner, if the owner is an and all sub-contractors, at its own expense, shall procure, carry and maintain insurance from an insurance company or companies lawfully authorized to do business in the State of Hawaii and acceptable to the owner as will protect against claims for bodily injury or death and property damage which may arise out of operations and completed operations under this agreement whether such operations be by the owner, architect, project manager, contractor (or for owner, if the owner is an owner/builder) and all sub-contractors or by anyone directly or indirectly employed by any of them, or by anyone for whose acts any of them may be liable. Such insurance shall include but not be limited to, the minimum coverage or limits of liability specified hereunder or required by law. The contractor and all sub-contractors shall maintain in force and effect during the period of the agreement the following insurance coverage written by carriers with at least an A- VII financial rating according to the current edition of Best’s Key Rating Guide with minimum limits of liability as follows: Commercial General Liability General Aggregate $2,000,000 Products and Completed Operations Aggregate $2,000,000 Personal and Advertising Injury $1,000,000 Each Occurrence $1,000,000 Damage to Premise rented to insured $100,000 Medical Expense Limit $5,000 The Commercial General Liability insurance required shall include without limitation at least coverage for bodily injury and property damage, premises and operations, contractual liability, independent contractors, products and completed operations including explosion, collapse and underground hazards and construction defects if applicable, personal and advertising injury, damage to premises rented to the insured and medical expense. The commercial general liability shall be written on an occurrence basis and the coverage shall provide for defense expense in addition to the limits of liability. The general liability policy shall be endorsed to provide primary and non-contributory coverage to the owner and any additional insured’s and to provide coverage on a per project general aggregate basis. The additional insured endorsements shall be on form CG 2010 10 04 and CG 2037 10 04 or their equivalent. The policy shall contain a waiver of subrogation in favor of the additional insureds. Policy shall also be endorsed to include the revised definition of occurrence. Business Automobile Liability Bodily Injury Each Person $1,000,000 Bodily Injury Each Accident $1,000,000 Property Damage Each Accident $1,000,000 or Combined Single Limit of Liability $1,000,000 The business auto policy shall include coverage for all owned, leased, hired and non-owned automobiles. Workers’ Compensation Statutory Employers Liability Bodily Injury by Accident $1,000,000 Each Accident Bodily Injury by Disease $1,000,000 Policy Limit Bodily Injury by Disease $1,000,000 Each Employee The workers’ compensation shall be endorsed to provide a waiver of subrogation in favor of the additional insureds. Umbrella Liability $1,000,000 Each Occurrence $1,000,000 Aggregate The umbrella liability shall be at least following form excess over the commercial general liability, business auto liability and employer’s liability. The coverage shall be written on an occurrence basis and with a self-insured retention no greater than $10,000.00. The policy shall provide defense in addition to the limits of liability. Professional Liability The Contractor shall carry a professional liability policy. Design or design/build work includes, without limitation, work with respect to mechanical, electrical, plumbing, and structural or sprinkler systems. The limit of Liability shall be at least $2,000,000 aggregate / $1 million per occurrence unless otherwise agreed to in writing by the BOD. Certificates of Insurance Additional Insured’s The Hawaii Loa Ridge Owners Association, managing agent, the board of directors, and their respective officers, employees, now existing or that may hereafter exist shall be named as additional insured’s as respects to the commercial general liability policy and assume and provide for the HLROA limits and coverages as specified herein. Certificates of Insurance acceptable to HLROA as satisfactory evidence of the insurance required by this agreement, shall be furnished by the owner, architect, project manager, contractor and all subcontractors prior to the commencement of any work hereunder and thereafter upon renewal or replacement of each required policy of insurance. The contractor shall upon request of HLR provide copies of the policies and or the required endorsements to HLROA. The General Contractor shall file their insurance and is responsible for maintaining all sub-contractors’ certificates of insurance. ______________ Initial here The insurance requirements in regards to types or limits or acceptance of certificates of insurance by HLROA shall in no way limit or relieve the contractor or subcontractors of its Responsibilities under this agreement or at law including, without limitation, contractors and subcontractors’ indemnification obligations and liability in excess of the limits of the coverage required. HLROA makes no representation that the minimum limits of liability specified under the terms of this agreement are adequate to protect HLROA, architect, project manager, contractor or subcontractors against their undertaking of this contract. In the event contractor or subcontractors believe that the insurance coverage called for under this agreement is insufficient, contractor or subcontractors shall provide at its own expense such additional insurance as the contractor or subcontractors deem adequate and necessary. In the event contractor or subcontractors maintains higher limits or liability contractor’ s and all subcontractors liability and obligation to defend, indemnify and hold harmless owner and additional insureds shall not be limited to the minimum limits of liability required to be carried by the contractor or subcontractors as outlined above.
Contractors
ARC (Architectural Review Commitee)
Construction has been a continuous activity since the 1982 origin of the Association. Owner’s have an 18-month period to complete their home. Once built there are many ongoing service providers; Pool Cleaners, Landscapers, Handymen, etc. needed. Owners contractors are entitled to a pass of up to six months if they register with the Management Office by filling out a form, showing their Driver’s License and signing for their pass. There are rules that must be followed:
