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</o:shapelayout></xml><![endif]--></head><body lang=EN-US link=blue vlink=purple><div class=WordSection1><p class=MsoNormal><span style='font-family:"Calibri","sans-serif";color:#1F497D'>I am a little confused on all of this.<o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-family:"Calibri","sans-serif";color:#1F497D'>Many years ago, properties were charging termination fees, penalties and liquidated damages when tenants broke the lease. It was not prohibited in the law at all.<o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-family:"Calibri","sans-serif";color:#1F497D'>The court in </span><span class=st><span lang=EN style='font-family:"Arial","sans-serif";color:#222222'>Yates v </span></span><em><span lang=EN style='font-family:"Arial","sans-serif";color:#222222'>Equity Residential</span></em><span class=st><span lang=EN style='font-family:"Arial","sans-serif";color:#222222'> Properties Trust </span></span><span style='font-family:"Calibri","sans-serif";color:#1F497D'> held that since it was NOT one of the remedies in 83.595 it was prohibited. <o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-family:"Calibri","sans-serif";color:#1F497D'>This was the Equity Residential decision. It cost many companies in Florida millions and millions of dollars as all of them settled after Equity. We then got 83.595 (4) added. <o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-family:"Calibri","sans-serif";color:#1F497D'>Harry<o:p></o:p></span></p><p class=MsoNormal><span style='font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><div><p class=MsoNormal><b><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:#1F497D'>LAW OFFICES OF <br>HEIST, WEISSE & WOLK P.A.<br>PH: 1 800 253 8428<br>FAX: 1 800 367 9038<br>"Serving the Property Management Professional"<br>Website: </span></b><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><a href="http://www.evict.com/"><b><span style='font-family:"Arial","sans-serif"'>www.evict.com</span></b></a></span><b><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:#1F497D'> <br>Email: </span></b><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><a href="mailto:harry@evict.com"><b><span style='font-family:"Arial","sans-serif"'>harry@evict.com</span></b></a></span><b><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:#1F497D'><o:p></o:p></span></b></p><table class=MsoNormalTable border=0 cellspacing=3 cellpadding=0 align=left width="100%" style='width:100.0%;margin-left:.1in;margin-right:.1in;margin-bottom:8.2pt'><tr style='height:19.9pt'><td width="16%" rowspan=2 style='width:16.3%;padding:1.5pt 1.5pt 1.5pt 1.5pt;height:19.9pt'><table class=MsoTableGrid border=0 cellspacing=0 cellpadding=0 width=450 style='width:3.75in;border-collapse:collapse;border:none'><tr><td width=81 valign=top style='width:48.3pt;padding:0in 5.4pt 0in 5.4pt'><p class=MsoNormal style='mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:margin;mso-element-top:4.55pt;mso-height-rule:exactly'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif"'><a href="https://www.facebook.com/pages/Heist-Weisse-Wolk-PA/343965575625870"><span style='font-size:10.0pt;font-family:Consolas;color:#1F497D;text-decoration:none'><img border=0 width=46 height=46 id="_x0000_i1030" src="cid:image003.png@01D05CD7.C3F3E750"></span></a></span><span style='font-size:10.5pt;font-family:Consolas;color:#1F497D'><o:p></o:p></span></p></td><td width=370 valign=top style='width:221.7pt;padding:0in 5.4pt 0in 5.4pt'><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:margin;mso-element-top:4.55pt;mso-height-rule:exactly'><b><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:#1F497D'><br></span></b><b><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#1F497D'>Visit us on Facebook</span></b><span style='font-size:10.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p></o:p></span></p></td></tr></table></td><td width="82%" valign=bottom style='width:82.74%;padding:1.5pt 1.5pt 1.5pt 1.5pt;height:19.9pt'><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:115%'><span style='font-size:10.0pt;line-height:115%;color:#1F497D'><o:p> </o:p></span></p></td></tr><tr style='height:19.85pt'><td width="82%" valign=bottom style='width:82.74%;padding:1.5pt 1.5pt 1.5pt 1.5pt;height:19.85pt'><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:115%;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:margin;mso-element-top:4.55pt;mso-height-rule:exactly'><b><span style='font-family:"Arial","sans-serif";color:#1F497D'><o:p> </o:p></span></b></p></td></tr></table><p class=MsoNormal><span style='font-size:7.5pt;font-family:"Arial","sans-serif";color:#1F497D'>THIS E-MAIL MESSAGE IS CONFIDENTIAL, ATTORNEY-CLIENT PRIVILEGED, AND INTENDED FOR THE PERSONS NAMED ABOVE ONLY. ALL OTHER USE, COPYING, OR DISTRIBUTION IS STRICTLY PROHIBITED.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p></div><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><div><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> landten-bounces@lists.flabarrpptl.org [mailto:landten-bounces@lists.flabarrpptl.org] <b>On Behalf Of </b>Jay Taplin<br><b>Sent:</b> Thursday, March 12, 2015 3:02 PM<br><b>To:</b> RPPTL Landlord Tenant Committee<br><b>Subject:</b> Re: [RPPTL LandTen] Renters insurance issue<o:p></o:p></span></p></div></div><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Precisely, residential leases are driven by statute, and there is required to be a prohibition in Part II of 83, explicitly or as applied, for the landlord actions to be prohibited.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#1F497D'>Jay A. Taplin</span><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#1F497D'>Florida Bar Board Certified Real Estate Law<br>Taplin & Associates<br>Suite 1510 <br>1555 Palm Beach Lakes Boulevard<br>West Palm Beach, Florida 33401<br>(561) 684-8399 (ph)<br>(561) 471-8055 (fax)<br></span><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><a href="mailto:jtaplin@taplinlaw.net"><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>jtaplin@taplinlaw.net</span></a><br></span><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#1F497D'> <br>This email is intended solely for the use of the individual to whom it is addressed and may contain information that is privileged, confidential or otherwise exempt from dislosure under applicable law. If the reader of this email is not the intended recipient or the employee or agent responsible for delivering the message to the intended recipient, you are hereby notified that any dissemination, distribution or copying of this communication is strictly prohibited. If you have received this communication in error, please immediately notify us by telephone and return the original message to us at the listed email address. Thank you. </span><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p></o:p></span></p></div><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><div><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> <a href="mailto:landten-bounces@lists.flabarrpptl.org">landten-bounces@lists.flabarrpptl.org</a> <a href="mailto:[mailto:landten-bounces@lists.flabarrpptl.org]">[mailto:landten-bounces@lists.flabarrpptl.org]</a> <b>On Behalf Of </b>Leonard Cabral<br><b>Sent:</b> Thursday, March 12, 2015 2:55 PM<br><b>To:</b> RPPTL Landlord Tenant Committee<br><b>Subject:</b> Re: [RPPTL LandTen] Renters insurance issue<o:p></o:p></span></p></div></div><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><span style='color:black'>Since you insist:<o:p></o:p></span></p><p><span style='color:black'>Public Policy dictates that commercial leases are not adhesive contracts and that commercial tenants can negotiate their own leases with their own lawyers as the market dictates. As Harry said, anything goes in commercial leases. Since residential tenants have less or no bargaining power with landlords and the leases are akin to adhesive contracts, residential leases are driven by statute and nothing in the lease can be contrary to the statute. Read Olen Properties attached for an opinion dealing with FS 83.47 Prohibited provisions in rental agreements.-- (1) A provision in a rental agreement is void and unenforceable to the extent that it: (a) Purports to waive or preclude the rights, remedies, or requirements set forth in this part. <o:p></o:p></span></p><p><span style='color:black'>Also notice the tone of 83.44 Obligation of good faith; 83.45 Unconscionable rental agreement or provision: 83.47 Prohibited provisions in rental agreements; 83.64 Retaliatory conduct; and my personal favorite, 83.67 Prohibited practices. The public policy is to protect tenants from unscrupulous landlords and landlord from tenants that do not pay rent. <o:p></o:p></span></p><div><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:black'>Leonard P. Cabral, Esq.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:black'><a href="mailto:Leonardcabral@lenslaw.com">Leonardcabral@lenslaw.com</a><o:p></o:p></span></p></div><p class=MsoNormal><span style='color:black'><o:p> </o:p></span></p><div><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> <a href="mailto:landten-bounces@lists.flabarrpptl.org">landten-bounces@lists.flabarrpptl.org</a> [<a href="mailto:landten-bounces@lists.flabarrpptl.org">mailto:landten-bounces@lists.flabarrpptl.org</a>] <b>On Behalf Of </b>Harry Heist<br><b>Sent:</b> Wednesday, March 11, 2015 10:50 AM<br><b>To:</b> 'RPPTL Landlord Tenant Committee'<br><b>Subject:</b> Re: [RPPTL LandTen] Renters insurance issue<o:p></o:p></span></p></div></div><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>There is nothing in residential. In commercial, almost anything goes as contract is more important than law. Commercial landlords and tenants can agree to almost anything. <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>In residential, if you go overboard, some other statutes come into play.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Leonard, let it rip!!!<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Harry<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><div><p class=MsoNormal><b><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:#1F497D'>LAW OFFICES OF <br>HEIST, WEISSE & WOLK P.A.<br>PH: 1 800 253 8428<br>FAX: 1 800 367 9038<br>"Serving the Property Management Professional"<br>Website: </span></b><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><a href="http://em.taplinlaw.net/wf/click?upn=8nntNZ5zdQ3u0n-2BzXdOTtw52LfdpFuCQN3DP82ASo7Q-3D_DLqHeBUlrlXmMxEotDWgi-2FnMmOSNvhPrg4xLO8IDzSGvz7GqiptN1SVTEYJrK7j8GlGsbXY4r-2FvuUVYR5dmgza6MsWkkkjfLNS7mLvL0IgVXJvpeRhGFfmZusRH7il9-2BdTh0ZJMeOUXjDUV-2B48WVBOTJ14zndoFJmYEJFR5vEHz1jJnt1rMkY8g2jAfvzd1oYuwY9nHYZsH0wvxYmyIXRPWZYZh0Vw6qoZqn2auS4HE-3D"><b><span style='font-family:"Arial","sans-serif"'>www.evict.com</span></b></a></span><b><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:#1F497D'> <br>Email: </span></b><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><a href="mailto:harry@evict.com"><b><span style='font-family:"Arial","sans-serif"'>harry@evict.com</span></b></a></span><b><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:#1F497D'><o:p></o:p></span></b></p><table class=MsoNormalTable border=0 cellspacing=3 cellpadding=0 align=left width="100%" style='width:100.0%;margin-left:.1in;margin-right:.1in;margin-bottom:1.9pt'><tr style='height:19.9pt'><td width="16%" rowspan=2 style='width:16.3%;padding:1.5pt 1.5pt 1.5pt 1.5pt;height:19.9pt'><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=450 style='width:3.75in;border-collapse:collapse'><tr><td width=81 valign=top style='width:48.3pt;padding:0in 5.4pt 0in 5.4pt'><p class=MsoNormal style='mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif"'><a href="http://em.taplinlaw.net/wf/click?upn=GXMfl0nVDAn71Xmty-2FYWswPTPJR14sko-2BAILHLa-2BV-2Bv21tZgg2JuBXPszN0V-2BLqLkYpWpdPR9v3XlTVQ-2F0ZGxhk35LGwH4TVNsC8lfu7gGU-3D_DLqHeBUlrlXmMxEotDWgi-2FnMmOSNvhPrg4xLO8IDzSGvz7GqiptN1SVTEYJrK7j8GlGsbXY4r-2FvuUVYR5dmgzQnFsDFfsl7h-2ByXWSJaKWz-2FKTlxxKGbnYuUdqrnghgogV-2FXM8AdOXAHKgwqF85PnHXBl2LDjKpHDbOC3dhmxqWlT7J80MW2ej00zSWRgU-2BAkPVdV92cLeiG6Fd-2BuwIvV7mQTKUuw9eUV2BUWRIoDVQQ-3D"><span style='font-size:10.0pt;font-family:Consolas;color:#1F497D;text-decoration:none'><img border=0 width=46 height=46 id="_x0000_i1025" src="cid:image004.png@01D05CD6.D1BC4E00"></span></a></span><span style='font-size:10.5pt;font-family:Consolas;color:#1F497D'><o:p></o:p></span></p></td><td width=370 valign=top style='width:221.7pt;padding:0in 5.4pt 0in 5.4pt'><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><b><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:#1F497D'><br></span></b><b><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#1F497D'>Visit us on Facebook</span></b><span style='font-size:10.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p></o:p></span></p></td></tr></table></td><td width="82%" valign=bottom style='width:82.74%;padding:1.5pt 1.5pt 1.5pt 1.5pt;height:19.9pt'><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:115%;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:10.0pt;line-height:115%;color:#1F497D'><o:p> </o:p></span></p></td></tr><tr style='height:19.85pt'><td width="82%" valign=bottom style='width:82.74%;padding:1.5pt 1.5pt 1.5pt 1.5pt;height:19.85pt'><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:115%;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><b><span style='font-family:"Arial","sans-serif";color:#1F497D'><o:p> </o:p></span></b></p></td></tr></table><p class=MsoNormal><span style='font-size:7.5pt;font-family:"Arial","sans-serif";color:#1F497D'>THIS E-MAIL MESSAGE IS CONFIDENTIAL, ATTORNEY-CLIENT PRIVILEGED, AND INTENDED FOR THE PERSONS NAMED ABOVE ONLY. ALL OTHER USE, COPYING, OR DISTRIBUTION IS STRICTLY PROHIBITED.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p></div><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><div><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> <a href="mailto:landten-bounces@lists.flabarrpptl.org">landten-bounces@lists.flabarrpptl.org</a> [<a href="mailto:landten-bounces@lists.flabarrpptl.org">mailto:landten-bounces@lists.flabarrpptl.org</a>] <b>On Behalf Of </b>Jay Taplin<br><b>Sent:</b> Wednesday, March 11, 2015 10:44 AM<br><b>To:</b> RPPTL Landlord Tenant Committee<br><b>Subject:</b> Re: [RPPTL LandTen] Renters insurance issue<o:p></o:p></span></p></div></div><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Harry, I have a question. If a commercial landlord can require a tenant to pay for CGL and Property Insurance regarding or on the whole or part of the property as a covenant in the Lease, such as in a NNN Lease or otherwise such as a by a pass through, what in Part II of Chapter 83, prevents a residential landlord from doing the same? <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#1F497D'>Jay A. Taplin</span><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#1F497D'>Florida Bar Board Certified Real Estate Law<br>Taplin & Associates<br>Suite 1510 <br>1555 Palm Beach Lakes Boulevard<br>West Palm Beach, Florida 33401<br>(561) 684-8399 (ph)<br>(561) 471-8055 (fax)<br></span><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><a href="mailto:jtaplin@taplinlaw.net"><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>jtaplin@taplinlaw.net</span></a><br></span><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#1F497D'> <br>This email is intended solely for the use of the individual to whom it is addressed and may contain information that is privileged, confidential or otherwise exempt from dislosure under applicable law. If the reader of this email is not the intended recipient or the employee or agent responsible for delivering the message to the intended recipient, you are hereby notified that any dissemination, distribution or copying of this communication is strictly prohibited. If you have received this communication in error, please immediately notify us by telephone and return the original message to us at the listed email address. Thank you. </span><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p></o:p></span></p></div><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><div><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> <a href="mailto:landten-bounces@lists.flabarrpptl.org">landten-bounces@lists.flabarrpptl.org</a> <a href="mailto:[mailto:landten-bounces@lists.flabarrpptl.org]">[mailto:landten-bounces@lists.flabarrpptl.org]</a> <b>On Behalf Of </b>Harry Heist<br><b>Sent:</b> Wednesday, March 11, 2015 10:13 AM<br><b>To:</b> 'RPPTL Landlord Tenant Committee'<br><b>Subject:</b> Re: [RPPTL LandTen] Renters insurance issue<o:p></o:p></span></p></div></div><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Agreed on the mortgage deal Dennis and the self-storage scam. I paid it myself then showed them my homeowner’s policy and they removed it but even that was just for MY property, not if I burned down the storage unit.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Does anyone have any law on this?<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>My guess is that the tenant will not be able to get insurance on their own thus getting the $9 - $11 extra hit each month and worse yet, it is possible the apartments will profit from this and I was under the impressions that if they are not an insurance company, they cannot get any profit from providing or selling or whatever is going on.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><b><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>If someone out there knows insurance law, I will just refer this to them and possibly many more to them as this is popping up. Same addendum so I presume there is an insurance company who targets apartments pushing this nationally.<o:p></o:p></span></b></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Harry<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><b><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:#1F497D'>LAW OFFICES OF <br>HEIST, WEISSE & WOLK P.A.<br>PH: 1 800 253 8428<br>FAX: 1 800 367 9038<br>"Serving the Property Management Professional"<br>Website: </span></b><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><a 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1.5pt;height:19.9pt'><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:115%;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:10.0pt;line-height:115%;color:#1F497D'><o:p> </o:p></span></p></td></tr><tr style='height:19.85pt'><td width="82%" valign=bottom style='width:82.74%;padding:1.5pt 1.5pt 1.5pt 1.5pt;height:19.85pt'><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:115%;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><b><span style='font-family:"Arial","sans-serif";color:#1F497D'><o:p> </o:p></span></b></p></td></tr></table><p class=MsoNormal><span style='font-size:7.5pt;font-family:"Arial","sans-serif";color:#1F497D'>THIS E-MAIL MESSAGE IS CONFIDENTIAL, ATTORNEY-CLIENT PRIVILEGED, AND INTENDED FOR THE PERSONS NAMED ABOVE ONLY. ALL OTHER USE, COPYING, OR DISTRIBUTION IS STRICTLY PROHIBITED.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> <a href="mailto:landten-bounces@lists.flabarrpptl.org">landten-bounces@lists.flabarrpptl.org</a> [<a href="mailto:landten-bounces@lists.flabarrpptl.org">mailto:landten-bounces@lists.flabarrpptl.org</a>] <b>On Behalf Of </b>Dennis Chen<br><b>Sent:</b> Tuesday, March 10, 2015 9:59 PM<br><b>To:</b> RPPTL Landlord Tenant Committee<br><b>Subject:</b> Re: [RPPTL LandTen] Renters insurance issue<o:p></o:p></span></p><p class=MsoNormal><o:p> </o:p></p><div><div><div><p class=MsoNormal style='margin-bottom:12.0pt'>Harry,<o:p></o:p></p></div><p class=MsoNormal style='margin-bottom:12.0pt'>That is common with mortgage lenders. If you stop paying they will purchase an insurance policy that only insures the lender's interest. That is fine in a mortgage situation because the borrower owns the house. I don't think it is appropriate in a residential landlord-tenant situation because the tenant has no ownership interest in the property and the landlord is just passing along their insurance cost to the tenant.<o:p></o:p></p></div><p class=MsoNormal>It seems to be an additional source of income for landlords. My storage space sent me a notice and started including a bill for something like that. I had to provide a copy of my homeowners insurance policy for them to stop billing me.<o:p></o:p></p></div><div><p class=MsoNormal><br clear=all><o:p></o:p></p><div><div><div><div><p class=MsoNormal style='margin-bottom:12.0pt'><br>Dennis A. Chen, Esq.<br>Chen Law Firm, PA<br>13360 W. Colonial Dr, Ste. 470<br>Winter Garden, Florida 34787<br>Tel: (407) 392-1872<br>Fax: 1-866-571-3421<br><a href="mailto:dennis@chenlaw.net" target="_blank">dennis@chenlaw.net</a><br><br>Bankruptcy * Civil Litigation * Landlord/Tenant * Personal Injury * Real Estate Litigation<o:p></o:p></p></div><div><p class=MsoNormal>******** NEW ADDRESS effective 1/5/2015 ********<o:p></o:p></p></div><div><p class=MsoNormal>Physical address is listed above. The new mailing address is:<o:p></o:p></p></div><div><p class=MsoNormal><br>Chen Law Firm PA<o:p></o:p></p></div><div><p class=MsoNormal>PO Box 784419<o:p></o:p></p></div><div><p class=MsoNormal>Winter Garden FL 34778<o:p></o:p></p></div><div><p class=MsoNormal><o:p> </o:p></p></div><div><p class=MsoNormal>Telephone and email remain the same.<o:p></o:p></p></div><div><p class=MsoNormal><br>CONFIDENTIALITY NOTICE: This e-mail, including any attachment, contains legally privileged and confidential information and is intended solely for the recipient. Should the intended recipient forward this message to any person or entity, that action could constitute a waiver of the attorney-client privilege. If the reader of this message is not the intended recipient, you are hereby notified that any review, dissemination, distribution, or copying of this communication is prohibited. If this communication was sent or received in error, please notify us by reply e-mail and delete the original message.<o:p></o:p></p></div></div></div></div><p class=MsoNormal><o:p> </o:p></p><div><p class=MsoNormal>On Tue, Mar 10, 2015 at 4:00 PM, Harry Heist <<a href="mailto:harry@evict.com" target="_blank">harry@evict.com</a>> wrote:<o:p></o:p></p><div><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Here is a doozy.</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'> </span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Apartment community wants tenant to purchase renter’s insurance (not just the cheapo contents insurance) This is the insurance that covers what a tenant may do to the premises. (usually fire/flood) I am seeing this particular form pop up all over.</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'> </span><o:p></o:p></p><p><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>1.</span><span style='font-size:7.0pt;color:#1F497D'> </span><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>They require it and it is the type that covers liability for damage to landlord’s property (fire, flood)</span><o:p></o:p></p><p><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>2.</span><span style='font-size:7.0pt;color:#1F497D'> </span><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>If the tenant does not get it or it lapses, they then charge the tenant $11 per month and they buy it from whoever they want and it insures the LANDLORD, not the tenant.</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'> </span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>This is way out of my league. This is a landlord forcing a tenant to pay for insurance that does not even cover the tenant. </span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'> </span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>See attached.</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'> </span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Anyone really know their stuff on this? I think I need to refer this out.</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'> </span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Having a policy where another person/company is an additional insured is one thing and is totally common but charging a person to buy insurance for another person/company when it does not even cover the person who is paying for it???</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'> </span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Harry</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'> </span><o:p></o:p></p><div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><b><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:#1F497D'>LAW OFFICES OF <br>HEIST, WEISSE & WOLK P.A.<br>PH: <a href="tel:1%20800%20253%208428" target="_blank">1 800 253 8428</a><br>FAX: <a href="tel:1%20800%20367%209038" target="_blank">1 800 367 9038</a><br>"Serving the Property Management Professional"<br>Website: </span></b><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><a href="http://em.taplinlaw.net/wf/click?upn=m-2FVQ12u0YWOvug5fu5K07gx05x5B57-2FDs2aaItkesV3nfGiHtTOAK1WshrJz5brlVeMHfazHB5bglWFBq1nkJcULOLh6rTmNWSg3EACV4m-2BFp93jhHFCEIR3bzBu2wb06Xn6etRgtmIAXa26sa0hqsxbUm6CIvdz8BFllsEhcBng8qUqAJZgPOZxZwixuf5y3iAwzVndpO0-2FwQukSnkUc5Kv1E-2FdCAIIWfRrtyJizsXL-2FYrKLmWb1VInBG54tzLJMlf6OFMIG1m79mggyHpAL5CceaBeAzmg-2FKjhLz5nS63FaJIlUYuaWed0gMbK2DNk3iUx3jJZXAym-2BVARLIi-2B2S9h54rTbyQQUfyVqwUdjK-2BEEextzHZH7ZYkOU885ECYRliRro88oVTTb-2FEK7L9r9F6Ycwj2R9mU9zqKN-2FrXG-2BLADMIDeib6XfTN5ZadNgq8o24-2BKsCJwSm3BGgQQfLKPg-3D-3D_DLqHeBUlrlXmMxEotDWgi-2FnMmOSNvhPrg4xLO8IDzSGvz7GqiptN1SVTEYJrK7j8GlGsbXY4r-2FvuUVYR5dmgzZqHU8q2AcrZrdF5keQ-2F1Rgek1CKstctCsyrLHW-2F7BTRC20MEpyr2xx6rQNb04v645lJ96jFi-2FlEtj7sAlmvYZybx7zoiFRyrpvi8n1SMkp8M92H2A9CDlzm-2B2oaEp-2BO16E8DoplmhcwKxtrXB9sDog-3D" target="_blank"><b><span style='font-family:"Arial","sans-serif"'>www.evict.com</span></b></a></span><b><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:#1F497D'> <br>Email: </span></b><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><a href="mailto:harry@evict.com" target="_blank"><b><span style='font-family:"Arial","sans-serif"'>harry@evict.com</span></b></a></span><o:p></o:p></p><table class=MsoNormalTable border=0 cellspacing=3 cellpadding=0 align=left width="100%" style='width:100.0%;margin-left:.1in;margin-right:.1in'><tr style='height:19.9pt'><td width="16%" rowspan=2 style='width:16.3%;padding:1.5pt 1.5pt 1.5pt 1.5pt;height:19.9pt'><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=450 style='width:3.75in;border-collapse:collapse'><tr><td width=81 valign=top style='width:48.3pt;padding:0in 5.4pt 0in 5.4pt'><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span 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style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:115%;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:10.0pt;line-height:115%;color:#1F497D'> </span><o:p></o:p></p></td></tr><tr style='height:19.85pt'><td width="82%" valign=bottom style='width:82.74%;padding:1.5pt 1.5pt 1.5pt 1.5pt;height:19.85pt'><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:115%;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><b><span style='font-family:"Arial","sans-serif";color:#1F497D'> </span></b><o:p></o:p></p></td></tr></table><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span 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ALL OTHER USE, COPYING, OR DISTRIBUTION IS STRICTLY PROHIBITED.</span><o:p></o:p></p><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'> </span><o:p></o:p></p></div><p class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto'><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'> </span><o:p></o:p></p><pre><span style='color:#1F497D'> </span><o:p></o:p></pre><pre> <o:p></o:p></pre></div></div><p class=MsoNormal><br>_______________________________________________<br>landten mailing list<br><a href="mailto:landten@lists.flabarrpptl.org">landten@lists.flabarrpptl.org</a><br><a href="http://em.taplinlaw.net/wf/click?upn=m-2FVQ12u0YWOvug5fu5K07gx05x5B57-2FDs2aaItkesV0D56OLayewHkLnsREXt2TOtmdn0t8cfaD5Ugo5O3effCgRiI5fycKhwcL2Lzc-2F4PE-2Fszx6zsSfzrdxebQojFdTQBrPX0-2Byyp3lt1sbNkTa1m-2BmWNTkCQb7uUfJVYM5oQd5lRzVlbqnVwJOX4-2BEl4cacEizp83hyVjtAdBGHylgu4YB2EsivcFeY6dgMqcDJlkqhxh-2FT6QUSV3cOU39xh1f4Y7Mhs-2BEoxpYT-2BkCb2IaPQbQGbejXET1o5wZiZRx0S9mTQUv5h7cU-2FNqJAdooR3EqhGliFkX5uRec6rq466GfFtWyNLzSiCKDY9MoyqQTp6HxLhkfxWkOJt4PbClu-2FHgtrOJCUQoaYR1O01gM1fWZeDCVkOF6rzrB46C5ahwx3-2FwahPGDNTH3NPf-2B9pIGIzDvlztpmZJ3n0BnbEwZeMq4U-2F4D5WLVjHLufoOAzC-2BZxmOgZtf9D34jEBwKUylRpPb3I-2FOqJi6R81PvKuMPG-2Bnyw-3D-3D_DLqHeBUlrlXmMxEotDWgi-2FnMmOSNvhPrg4xLO8IDzSGvz7GqiptN1SVTEYJrK7j8GlGsbXY4r-2FvuUVYR5dmgzWohPABZP2R9O21iTO4oCaEYrULLB3C4kHraDxdDgrMfciNRV8UQ0z9gKPoyXBdzL-2B3JjMLlEvV0fGqupueEAJSWfY12GDg-2Bjbjf2ZWTyfr6oYGTK0XJtDsBf-2Bk0p4lp3ow-2FAa5x-2BYiJ4oXN9Ue4dL4-3D" target="_blank">http://mailman.fsr.com/mailman/listinfo/landten</a><o:p></o:p></p></div><p class=MsoNormal><o:p> </o:p></p></div><p class=MsoNormal><img border=0 width=1 height=1 id="_x0000_i1028" src="http://em.taplinlaw.net/wf/open?upn=DLqHeBUlrlXmMxEotDWgi-2FnMmOSNvhPrg4xLO8IDzSGkZRVyGnoj9B2VJ51A-2Fe99ibjrdxqpZQkS9hpvr-2FxqZrRlkrlAFQaAMxiAWBKgpnDzQF8Pq6fRVi5N-2BEYuRxFwMWR2ZtQOyekCejK3EP-2F-2BhHPjafTtJKLwtrG2dq7tO0HSScckY5BNYBCKPZuufgtp4AhGraAwylhbcUBbKILJwiglkm6RJxEiY7kQQkiFbtk-3D"><o:p></o:p></p><p class=MsoNormal><img border=0 width=1 height=1 id="_x0000_i1029" src="http://em.taplinlaw.net/wf/open?upn=DLqHeBUlrlXmMxEotDWgi-2FnMmOSNvhPrg4xLO8IDzSGvz7GqiptN1SVTEYJrK7j8GlGsbXY4r-2FvuUVYR5dmgzYoLB-2BUN19HAhpgUVNZWASOL3p9YR-2BT8yHm1fNSsHyQqvVX-2FTQCb1bzlwDlXEcVEBeXWQKKJgD-2FiA0CnGQ5M-2BlIfWRMfcZFKE5MKd6pIO7jInOD0fcYP0WK53e3-2B-2B6HFqXo7F3H4KPnpHJ2eREUBEKw-3D"><o:p></o:p></p></div></body></html>