legislative update also in this...

Vol. 17, No. 4 4/1/2017

ALSO IN THIS ISSUE: General Counsel’s Comments .......................2

Citizens Posts 2016 Net Loss .......................3

New Members .............................................3

CDBG to Replace Five Mobile Homes ............4

MHARR -- ISSUES AND PERSPECTIVES .........4

National News .............................................5

Consumer Price Index ..................................5

Consumer Complaint Report .........................5

Get Ready for the 31st Annual Fun’N’Sun Event! .........................................6

2017 FMHA Annual Convention ....................7

Calendar .....................................................8

Production and Shipments ..........................11

“Best Friends” Golf Classic Registration .......12

Fun’N’Sun Registration Form ......................14

Fun’N’Sun Sponsorship Form .....................15

Saddlebrook Registration ...........................16

continued on page 6

LEGISLATIVE UPDATE

Despite House and Senate leadership and the Governor having different legislative priorities and perspectives on the use of taxpayer money to attract tourist and new businesses to Florida, the Florida Legislature is making progress. The manufactured housing industry’s top legislative priority is in good shape and FMHA is engaged in legislation that could impact the Florida Building Code and the composition of the Florida Building Commission. The FMHA is also working to ensure that misguided legislation to address a situation in one mobile home park does not advance.

Non-homestead Property Tax Cap

FMHA’s number one legislative priority is passing legislation to permanently retain the 10 percent cap on property tax assessments for non-homestead real property. The current cap is set to expire after 2018. The passage of this legislation and subsequent approval by Florida voters will have a major financial impact on manufactured home community owners and their residents, especially if property taxes are a direct pass-on expense.

Since the property tax cap is in the State Constitution, enacting legislation is the first step in getting a provision on the statewide ballot in 2018. A minimum of 60 percent of the state’s voters must approve the ballot measure for it to become effective.

Bills have been introduced in the House and Senate and significant progress has been made to date. On March 23rd, House Joint Resolution 21 was approved by the House of Representatives by a 110-3 margin. Senate Joint Resolution 76, which is similar to the House resolution, was unanimously approved by the Senate Appropriations Subcommittee on Finance and Tax on February 22nd. The senate bill is now pending before the Senate Appropriations Committee where passage is expected.

Florida Building Commission

Identical bills have been introduced in the House (HB 901) and Senate (SB 7000) to change the way the Florida Building Code is developed and updated. Currently, the Florida Building Commis-sion is required to adopt the most current versions of the International Code Council’s model codes (I-codes) and the National Electric Code (NEC) every three years. The model codes are the basis for the Florida Building Code, but are amended by the Florida Building Commission and adopted as the Florida Building Code.

Proposed legislation discontinues the use of the I-codes and the NEC as the foundation codes for updating the Florida Building Code and instead requires the most current edition of the Florida Building Code to be the basis for future changes. The Commission can adopt provisions in the I-codes and the NEC as amendments to the Florida Building Code. This is opposite to the way the Florida Building Code is currently being updated. This legislation removes the requirement that the Florida Building Code be updated every three years and instead requires the Commission to review the code every three years to determine if it needs to be updated. The Commission would be required to adopt an updated edition of the Florida Building Code every fifth year.

10TH ANNUAL “BEST FRIENDS”

GOLF CLASSICApril 21, 2017

St. Petersburg Country Club2000 Country Club Way South

St. Petersburg, FL 33712Sign up TODAY!

Registration forms included with this newsletter.

Contact Mary-Anne Wunderler at (813) 350-9399 x. 1 or

[email protected]

Mark Kelly President (Manufacturer Division)

Nicole Weis Vice President (Filled Communities Division)

Dwight Selby Treasurer (Filled Communities Division)

Matthew Steiner Secretary (Filled Communities Division)

Cyndi King Immediate Past President (Developer Division)

Steve Adler Membership Chairman

Roger Allen (Finance & Insurance Division)

Ken Cashin Legislative Chairman

Alice Funk (Finance & Insurance Division)

John Overmier (Supply & Service Division)

Dan Rop (Retailer Division)

Dennis Scharder (Manufacturer Division)

Terry Starkey (Supply & Service Division)

Janette Weis (Manufacturer Division)

Mike Wnek Marketing & PR Chairman

Bob Young (Developer Division)

Eric Zimmerman (Filled Communities Division)

EXECUTIVE COMMITTEE

Advertising note: The content of any advertising insertion is prepared solely by the advertising member. By the insertion, FMHA does not endorse the product or service being offered nor is it, in any way, responsible nor liable for the content of any such advertisement.

GENERAL COUNSEL’S COMMENTS

Code Enforcement and Local Government Issues

Local government inspections, code enforcement violations, zoning and land use changes are all a part of manufactured home communities daily business challenges. It is important to understand the authority of local government over communities, as well as where and when it is necessary to challenge local government action. The old school phrase “you can’t beat city hall” is just as true today as it was in Philadelphia in 1776. The difference today is that there are areas of law in which local governments are preempted from taking action. Identifying those issues, and how to respond to an improper local government action, is necessary to protect the community’s property and business rights.

Local governments in Florida have a limited role in regulating manufactured housing communities. Initial permitting of communities is done by the state Department of Health through the county health departments. County health departments are the arm of the state Department of Health, their staff are state employees and their checks are signed by state of Florida Comptroller. County health depart-ments receive some funding from the county they are in, but their primary funding source is the state of Florida. They are “County” Health Departments in name only.

Landlord and tenant matters in manufactured housing communities are regulated under Chapter 723, Florida Statutes, which is enforced by the Florida Department of Business and Professional Regulation (DBPR). The DBPR reviews and approves prospectuses, manages mediations between home owners and community owners, and has an enforcement section that requires compliance with Chapter 723.

Local government is involved in land use and zoning matters, as well as enforcing the Florida Building Code and Florida Fire Prevention Code. Both of those codes are adopted by the state of Florida and contain mandated local government standards that are uniformly applied by the cities and counties throughout the state.

Local governments are involved with manufactured housing communities in the early development and permitting stage, regulating local standards for road construction, building construction and utilities, as well as separation and setback distances for the homes and commercial buildings in the community. But, after the community is built, local government enforcement is primarily in the areas of building code and zoning/land use issues.

Local government code enforcement is governed by authority granted to local governments under Florida Statutes. Chapter 162 provides a state statutory framework for code enforcement. Local governments also have general authority given by state statute to protect their citizens. This authority has been construed by the courts to allow local governments to enact code enforcement regulations different from the state statute.

There are a few common issues that are raised by local governments in code enforcement. Building code violations are an area where local governments have, in the past, cited the property owner for actions by the mobile/manufactured home owners who did unpermitted construction on their homes or lots. Generally, exterior improvements to the lot and exterior of the home require Florida Building Code permits. Interior modifications or remodeling do not require permits or supervision, unless there is a major structural modification to the home that requires supervision by the Department of Highway Safety and Motor Vehicles (DMV).

There are some key actions a community owner needs to take to protect against code violations becoming fines and liens against the property. First, be aware that section 723.024 prohibits local government from taking action against the property owner for illegal construction done by a home owner. Second, do not miss the date to challenge the code violation. Many code violation notices require 10 – 20 days for a violator to challenge the code violation. If the community owner does not

Items for this column are intended for a wide audience and not intended to provide, nor are they to be relied upon as legal advice. Members should consult their own attorneys before taking any action in response to items in this column. Questions about this column can be directed to David Eastman at Lutz, Bobo, Telfair, Eastman, Gabel, Gordon and Lee at toll free 1-877-521-0890.

continued on page 7

News From FMHA, Vol. 17, No. 4 (4/1/2017)

NEW MEMBERS

InsurmarkJosh Lloyd

4 West Main Street, #600Springfield, OH 45502

Phone: (267) 282-6370Fax: (937) 323-0787

[email protected]

Little Frontier ResortOzzy Cosme

182 US Hwy 301 Dade City, FL 33523

Phone: (813) 470-8033Fax: (352) 567-2998

[email protected]

JRW Properties, Inc.Roger Wood

1427 E. Ft. King StreetOcala, FL 34471

Phone: (352) 401-5622Fax: (352) 401-5613

[email protected]

Fort Myers 21, LLCJim Capes

16731 McGregor Blvd., Suite 101Ft. Myers, FL 33908

Phone: (239) 466-4616Fax: (239) 466-4381 [email protected]

Century 21 Mobile Home CommunityJim Capes

16271 McGregor BlvdFt. Myers, FL 33908

Phone: (239) 466-4616Fax: (239) 466-4381 [email protected]

River Trails Mobile Home ParkJim Capes

16900 Slater RoadN. Ft. Myers, FL 33917Phone: (239) 466-4616

Fax: (239) 466-4381 [email protected]

www.rivertrailsmhp.com

River Estates Mobile Home ParkJim Capes

16700 Slater RoadN. Ft. Myers, FL 33917Phone: (239) 466-4616

Fax: (239) 822-6514 [email protected]

www.riverestatesmhp.com

Yes Housing, Inc.Michelle Boswell

8206 Hwy 87 SouthMilton, FL 32583

Phone: (850) 981-9100Fax: (855)898-4588

[email protected]

Citizens Property Insurance Corporation will post a net loss for 2016, its first loss in more than a decade, as water loss claims, assignment of benefit (AOB) abuse and litigation costs increasingly impact the company’s bottom line.

The Citizens Board of Governors was told Wednesday the state’s insurer of last resort will post a $27.1 million net loss for 2016, its first since 2005. The loss comes despite minimal damage from Hurricane Matthew, the first major hurricane to impact Florida in 11 years.

Without significant statutory reforms, Citizens will be forced to pass those higher costs on to its customers in the form of higher rates for the foresee-able future, said Citizens Board of Governors Chairman Chris Gardner.

“Every year, we rely on standardized, accepted actuarial principles to set our rates,” Gardner said “Last year, the same principles that provided rate decreases to our customers in recent years translated into hikes for 84 percent of our policyholders. Without legislative changes, that trend will continue.”

The percentage of nonweather-related water claims – burst pipes, sudden dishwasher leaks, etc. – that move to litigation has skyrocketed. Each liti-gated claim raises the average claim cost by $20,000 or more. These costs must be passed on to Citizens policyholders.

Another factor driving rate increases is assignment of benefits, in which poli-cyholders sign over policy rights to a third party, such as a repair company,

who then controls their claim and deals directly with Citizens. These contrac-tors assume all the benefits afforded the policyholders but bear few of the responsibilities, including cooperating with Citizens adjusters and reporting losses before repairs are made.

The Office of Insurance Regulation has indicated that private insurance companies are facing similar trends. In February, the rating agency Demo-tech warned that AOB issues could adversely affect its ratings of Florida’s private insurance companies.

“The tragedy here is that the ultimate loser is the policyholder,” Gardner said. “Higher insurance costs simply make it more difficult for more Floridians to own a home.”

Citizens is doing what it can to control these costs by educating customers through its Call Citizens First campaign and working with other stakeholders, including the Consumer Protection Coalition, to advocate for statutory reforms.

The Florida Legislature currently is considering bills that address the AOB issue as part of the 2017 Legislative Session. These include SB 1038 and HB 1421, which would bolster consumer protections and clarify attorney fee provisions. The 2017 Legislative Session ends May 5, 2017.

Source: Citizens Property Insurance Corporation Press Release – March 29, 2017

CITIZENS POSTS 2016 NET LOSS


By Mark Weiss MARCH 2017

“Time for REAL Change at HUD … and Beyond”

Welcome to the inaugural issue of “MHARR -- Issues and Perspectives.” This will be the first in a new series of periodic articles addressing issues of concern to the manufactured housing industry and the American consumers who rely on affordable manufactured homes. For those accustomed to reading the “MHARR Viewpoint” column formerly published on a monthly basis in The Journal of Manufactured Housing, these articles will be familiar and will use a similar – although not identical -- format. Unconstrained by limitations related to third-party publication, these articles will offer both analysis and opinion regarding the often-complex issues facing the industry, its members and manufactured housing consumers in Washington, D.C. MHARR plans to publish these articles from time-to-time, providing them to the individuals, organizations, congressional members and staff, and govern-ment agencies on its extensive electronic distribution list. It will also make them available, on a non-exclusive basis, for re-publication in industry (and other) trade publications, reports, journals and newsletters.

That said, with a new Administration having now taken office in the nation’s capital, committed, as one of its core principles, to the “deconstruction of

the administrative [i.e., regulatory] state,” the single most important national issue facing manufactured housing, as a federally-regulated industry, is the reform, reconstruction and reorganization of the federal manufactured housing program at HUD to fully implement – and fully comply with – the Manufactured Housing Improvement Act of 2000. It is the failure to imple-ment the fundamental reforms of this law, which lies at the root of the most significant roadblocks facing the industry and manufactured housing consumers today. Put differently, while some might wish to paper it over, deny it, or offer distractions, the key reality affecting the manufactured housing industry in early 2017, is that there is a HUD aspect to every major national-level roadblock that it – and its consumers -- confront. And if that is ever going to change, the HUD manufactured housing program must change, beginning -- but not ending -- with a change in leadership at the top of the program.

What are the “roadblocks?” The most serious include: (1) needless, costly and destructive over-regulation of manufactured housing by HUD (and other agencies); (2) continuing discrimination in securitization and secondary market support for manufactured home consumer loans (i.e., implementa-tion of the “Duty to Serve Underserved Markets” – DTS) and chattel loans in particular; and (3) discriminatory land use laws that exclude or severely

MHARR -- ISSUES AND PERSPECTIVES

Franklin County’s Community Development Block Grant (CDBG) mobile home replacement package is making progress. At the March 7 county meeting, Deborah R. Belcher of Roumelis Planning and Development Services submitted to the county board a list of homes slated for replacement. The project would expend more than $500,000 on five residences with funding provided from a $700,000 CDBG grant awarded in Nov. 2016. The grant includes cost of replacement as well as administrative fees. “The bids came in higher than I hoped on (exposed coastal properties) but I don’t think we will get better,” Belcher said. “All of the (replacement mobile homes) for (exposed coastal areas) are double-wides. They don’t make single-wides.” Chairman Smokey Parrish said he was surprised the replacement trailers cost in excess of $100,000. Belcher said the bids included demolition and tree work, where needed, as well as sales tax and in some cases septic abandonment. She said she had hoped more of the residences could be rehabbed. Commissioner William Massey asked if stick-built homes were a viable option given the cost of the mobile homes. Belcher said she didn’t think they would be significantly cheaper. She said the county commission had specified replacing mobile homes with mobile homes, which was not the state policy. Belcher advised commissioners to proceed with the current bids so that the grant can be closed out by November and allow the county to apply for the next round of CDBG funding. Because the cost of replace-ment homes and renovations had been capped at $75,000, commissioners were forced to waive the limit for all of the first five homes to be upgraded.

The replacement homes will be provided by Clayton Homes of Panama City, which underbid the only other proposal from Titan Factory Direct. Recipients of the first round of funding, all in Eastpoint, are: Frances Hunnings, 323 Patton Drive, who was awarded $128,361 for a double-wide trailer elevated seven feet with an engineered foundation, and handicapped ramp; Ronnie and Vickie Segree, 66

Brian Street, received $108,361 for a double-wide with a ramp for handi-capped accessibility; Sally Moses, 63 Shuler Street, was awarded $108,561 for a double-wide; Sheila Shiver, 768 Ridge Road,, received $82,275 for a single-wide with sewer replacement, tree removal, and a replacement porch; and Josh and Angie Polous, 753 Ridge Road, were awarded $76,275 for a single-wide with a new sewer connection. The funds are awarded as a conditional grant contingent on the owner residing in the residence for a preset period of time. “All of the homeowners reviewed the plans for the model proposed for their site,” Belcher said. “Each homeowner was enthu-siastic about the proposal. The mobile home replacement contracts will be between the owners and the dealer, with the county providing the funding.” She said the residual funds, roughly $108,000, will be used for rehabilitation of residences to be identified.

By Lois Swoboda, The Apalachicola Times

CDBG TO REPLACE FIVE MOBILE HOMES

continued on page 9


NATIONAL NEWS

Dr. Carson Confirmed as HUD Secretary; Trump Budget and Policy Agenda Supports Manufactured Housing

On March 2, the Senate approved the nomination of Dr. Ben Carson as the Secretary of the U.S. Department of Housing and Urban Development (HUD). During his confirmation hearings, Secretary Carson testified that he plans to shift HUD’s focus to empowering individuals to make their way out of poverty rather than on the simple provision of housing subsidies. Dr. Carson’s testimony supports the advancement of manufactured housing as part of the solution for creating more unsubsidized affordable housing in the U.S.

Secretary Carson’s views on housing are especially poignant in light of the Trump Administration’s March 13th Executive Order requiring government agencies to reorganize within 180 days to become more efficient and trans-parent. This is an ideal time for the industry to educate the HUD Secretary about the current and potential role of manufactured housing in addressing the housing needs of a growing segment of the U.S. population. The industry needs to be at the front-end of HUD’s reorganization plans and lobby for higher stature within HUD. HUD should be called upon to expand its role over manufactured housing. HUD should not only regulate the construction of manufactured housing, but also advocate for manufactured housing as a preferred source of quality, affordable unsubsidized housing.

President Trump’s “A Budget Blueprint to Make America Great Again” was released on March 16th. The proposed budget aligns with his mission and recent Executive Orders to make the federal government operate more “effectively, efficiently and securely”. The budget cuts billions of dollars from most federal agencies to pay for large increases in military and homeland security spending.

The proposed HUD budget is $40.7 billion, a 13.2 percent or $6.2 billion reduction from the current budget of $46.9 billion. To achieve the proposed funding level, the budget eliminates funding for several programs, including the $3 billion Community Development Block Grant (CDBG) program and the $1 billion HOME block grant program. The budget proposal calls for “a greater role for state and local governments and the private sector to address community and economic development needs.” Again, this supports the expanded role of manufactured housing to satisfy the country’s growing need of unsubsidized affordable housing.

Preserving Access to Manufactured Housing Act Reintroduced

On March 23, MHI re-introduced the Preserving Access to Manufactured Housing Act. H.R. 1699 was introduced with bipartisan support from three Republican and two Democrat sponsors. Since that time, several other Members of Congress, including Florida’s Representative Dennis Ross (R-15th), have signed on as co-sponsors.

H.R. 1699 modifies the definition of “high-cost” loans to include more flexible annual percentage rates (APR) and points and fee provisions for small chattel manufactured home loans. The legislation also clarifies that manufactured home retailers and salespersons are not loan originators. While the FMHA was able to obtain favorable guidance on this issue from the Florida Office of

Financial Regulation (OFR), the Consumer Protection Finance Bureau (CFPB) has the authority to rule that this guidance is in conflict with current federal requirements.

The bill has been referred to the House Financial Services Committee. A companion bill is expected to be introduced in the U.S. Senate.

Seller Finance Enhancement Act Introduced

On March 2, Representative Roger Williams (R-TX) introduced H.R. 1360, “The Seller Finance Enhancement Act”. This legislation creates an exemption from SAFE Act licensing requirements for a person that originates no more than 24 residential mortgage loans in a 12-month period on property they own. This bill has been referred to the House Financial Services Committee.

CONSUMER PRICE INDEXThe U.S. Department of Labor announced the all items index increased 2.7 percent in the Consumer Price Index for February 2016-2017 (all consumers 1982-84=100).

For the latest CPI figures, go to: http://stats.bls.gov/cpi.

To have the latest CPI figures emailed to you each month, go to http://www.bls.gov/bls/list.htm, enter your name and email address, then check the box for the information you are interested in receiving.

BUREAU OF MH/RV CONSTRUCTION CONSUMER COMPLAINT REPORT

Source: Division of Motor Vehicles, Bureau of MH/RV Construction Monthly Consumer Complaint Report * Working difficult complaint. Had to get supervisor to return to home. **Repairs were not made properly; required repairs to be readdressed.

4 2 4 1 0 0 9

3 4 7 0 38

1/17 4 4 4 1 0 0 4

2 7 9 0 22

12/16 6 3 5 2 0 0 4

5 2 7 0

22

2/17Complaints Received Florida Manufacturer Out of State Warranty Complaints Florida Manufacturer Out of State Manufacturer Re-investigation Florida Manufacturer Out of State Packets Mailed Out Complaints Closed -Florida Manufacturer -Out of State Manufacturer -Florida Dealer -Out of State Dealer -Average Days Open


FMHA’s Finance and Insurance Division will host the 31st Annual Fun’N’Sun Event, on Friday, August 11th, at Saddlebrook Resort in Wesley Chapel, FL.

Saddlebrook has something for everyone including great golf, tennis or you may choose to enjoy one of Central Florida’s best spa facilities. If you want it, they’ve got it! And to make it truly a family affair, a special children’s program is offered during the Awards Reception and Dinner Banquet on Friday night so this will be an event even the kids will enjoy!

To participate in the golf and tennis tournaments, complete the registration form included in this newsletter or contact Alice Funk at [email protected] or (813) 220-3942.

Sponsorship opportunities are also available. From $400 for a Golf Hole Sponsor to a Signature Sponsor at $2,000, there’s a sponsorship level for everyone. Sponsorship money goes a long way in helping defray the expenses of this much-anticipated event. A sponsorship form is also included in this newsletter. To maximize your advertising benefit, please contact Alice by Thursday, April 20th and let her know of your sponsorship level.

Once again the resort is offering well-below seasonal rates as follows:

Deluxe Guest Room for 1 or 2 Adults $115.00 One Bedroom Suite for 1 or 2 Adults $145.00 Two Bedroom Suite for 2 or 4 Adults $180.00

Call Saddlebrook directly to make your reservations at 1-800-729-8383. Please mention FMHA to receive the FMHA special rate. Cut-off date is July 10th, 2017.

Following is the schedule of events:

Thursday, August 10th 3:00 pm Check in at Saddlebrook Resort 7:00 pm FMHA Hospitality Suite #343

Friday, August 11th 7:00 am Golf Registration 7:45 am Golf Tournament – 4 Person Scramble 8:00 am Tennis Registration 5:30 pm Special Children’s Program (TICKET REQUIRED) 6:00 pm Awards Reception (TICKET REQUIRED) 7:00 pm Dinner Buffet & Entertainment (TICKET REQUIRED)

Saturday, August 12th Noon Check out

Any questions? Contact Alice Funk at [email protected] or (813) 220-3942.

GET READY FOR THE 31ST ANNUAL FUN’N’SUN EVENT!

legislative update - continued...

On March 28th, HB 901 was amended and approved by the House Careers and Competition Subcommittee. The building code provisions remained the same, but the amendment reduced the size of the Florida Building Commission to 11 members from 27 members. One of the casualties of the amendment was the elimination of the Manufactured Buildings seat, which is important to residential and commercial modular builders. The Building Commission reduction amendment caught most everyone flat footed because it wasn’t published until late night before the early morning committee hearing. Lori Killinger, FMHA’s Legislative Counsel testified in opposition to the amendment, expressing concern that the amendment was proposed at the last minute without stakeholder input and there was no rational basis for deciding what seats to eliminate. While the bill and the amendment were approved by the Subcommittee, the bill’s sponsor agreed to work with stakeholders to address concerns with the composition of the Building Commission.

Since the hearing, Lori Killinger has been working to get the Manufactured Buildings seat reinstated. We will keep you updated on that progress.

The House bill will now move to the House Commerce Committee. The Senate bill has been referred to the Appropriations Subcommittee on General Government and the Senate Appropriations Committee. Hearings in the Senate have not been scheduled to date.

Required Mobile Home Park Disclosures

Identical legislation has been introduced in the House (HB 563) and the Senate (SB 1522) to require mobile home park owners to provide a list of the names and addresses of all homeowners and their mobile home vehicle identification numbers upon the request of local government. This legislation stems from a situation in south Florida where local government requested the community owner to provide information about homeowners with building code violations. Many of the homes in the community have changed ownership several times over the years and are rented by absentee owners to transient residents. When the owner did not comply with local government’s request, local legislators were asked to introduce legisla-tion that would have industry-wide impact. The FMHA has been working with the community owner and local government to resolve the issues and obviate the desire to pursue legislation.

The House and Senate bills have been referred to three committees each and have not been scheduled for a hearing.


challenge the code violation, the matter goes to hearing without a contest and the code enforcement magistrate or hearing officer will find the property owner at fault. If that happens, it is very time consuming and expensive to get the judgment set aside, if it is even possible to do so. In legal parlance, if you do no appeal the decision, it is res judicata. That means that the court has decided the case and the party cannot retry it, nor challenge the deci-sion. The only avenue left is to appeal the decision, or pay the fine and fix the problem. An appeal is often fruitless, as the decision of the hearing officer or magistrate is based upon the record at the hearing. If you aren’t putting evidence on at the hearing, there is nothing to appeal. Always request a hearing and go prepared to defend your position.

Second, the Florida Building Code does not apply to mobile/manufactured home construction. The Florida Building Code expressly excludes any building construction that is regulated by the federal government. Manufac-tured/mobile homes are regulated by the Department of Housing and Urban Development under federal Manufactured Home Construction and Safety Standards Act, 42 U.S.C 5401 – 5426, and the 24 CFR, parts 3280, 3282, 3284-3286, 3288 and 3800. Therefore, the Building Department of a city or county does not have the authority to require permits for construction, repair or remodeling of manufactured/mobile homes.

The Mobile Home Repair and Remodeling Code is set out in section 320.8232, Florida Statutes, and Rule 15C-2.0081, Florida Administrative Code. The regulation of repair and remodeling of mobile/manufactured homes is by the Florida Department of Highway Safety and Motor Vehicles (DMV). Local governments often do not understand the federal regulation, preemption by the federal government or why all construction should not be permitted by the local building department. Nor do they understand the repair and remodeling responsibilities of the DMV.

If you are cited with a code enforcement action involving failure of a home owner to get a building permit, be sure to immediately appeal any violation to a hearing and present information on the regulation of construction of mobile/manufactured homes to the local government code enforcement hearing officer or magistrate. It is important to establish that there is no jurisdiction over construction of mobile/manufactured homes by the Florida Building

Code. There is the Code itself, which says that the Code does not apply to federally regulated programs, like the federal Manufactured Home Construc-tion and Safety Standards Act. In Florida the DMV regulates construction and will review and approve reconstruction as necessary. Most repair and remodeling does not require any building permits, and even major or struc-tural construction to a mobile/manufactured home is not permitted, but must be done by a qualified individual.

Finally, local governments are responsible for zoning and land use regulation. Typically manufactured home communities are zoned MH. However, if not zoned for manufactured homes, the community may be a “nonconforming use”. That status has some liabilities. Community owners should be aware of their basic rights as a business regulated by the state of Florida. Many local governments want to shut down the replacement of mobile/manufac-tured homes in nonconforming use communities. That is not correct under Florida law. First, a community is licensed annually by the Department of Health for a certain number of sites or lots that can be offered for lease. The annual operating permit for a mobile home park or recreational vehicle park establishes the number of sites that are able to be rented. The annual oper-ating permit establishes the community’s vested right to a certain number of leased sites. It is not an expansion of the nonconforming use to replace a manufactured home in the community. Indeed, section 723.041, Florida Statutes, specifically authorizes a community owner or a mobile home owner to replace an existing mobile home on a site in accordance with the original permit requirements from the date the community was permitted. Those separation and setback distances may be difficult to prove, but the right to replace a home is established.

It is very important to protect the community’s rights in any code violation involving zoning, land use or building issues. If cited, you should always request a hearing to put into evidence the basis for your defense that you are a licensed mobile home park, have the right under Chapter 723 to replace a home, that the Florida Building Code does not apply to manufactured homes, and that the DMV regulation is all that is necessary to comply with state and federal law. Stay on top of the deadlines and be sure to raise all of the defenses that you have to the code violation.

general - continued...

Plan now to take a mini-vacation before or after this year’s Annual Conven-tion. The B Resort, located in the Walt Disney Work Resort and just steps away from Disney Springs, is offering FMHA members the special rate of $139 three days before and after our event. The Convention dates are September 27 & 28. Take a look at all the B Resort has to offer. Visit their website at: http://www.bhotelsandresorts.com/b-resort-and-spa/.

Explore Disney Springs, shop at the Lake Buena Vista Factory Stores or enjoy a round of gold at Disney Golf. During your stay you may want to take advantage of the beautiful tree-lined walking trails, tennis courts and 24-hour Fitness Center.

A little more about Disney Springs….with 181 venues including shops, restaurants and events, including Cirque de Soleil La Nouba (https://www.disneysprings.com/entertainment/cirque-du-soleil-la-nouba/), you’d be crazy not to stay and take full advantage of a spectacular hotel at a fantastic rate. For a listing of all 181 Disney Springs venues, go to: www.disneysprings.com.

To make your reservations, call 1-800-248-7890 and ask for the FMHA group rate of $139. Cut-off date for the special rate is September 5, 2017. Once our room block is sold, rooms will be based on availability at the current room rate. Don’t delay!

2017 FMHA ANNUAL CONVENTION – B RESORT, ORLANDO, SEPTEMBER 27TH – 28TH


CALENDAR

April 21, 2017 – 10th Annual “Best Friends” Golf Classic (in support of the Billy Turney Foundation), St. Petersburg Country Club, 1:30 pm. For more information, contact Mary Anne Wunderler at (813) 350-9399 x. 1 or [email protected].

May 2-4, 2017 – 2016 – 2017 National Congress & Expo, Caesars Palace, Las Vegas, NV. Call Cheryl Berard for more info at (703) 558-0668.

May 25, 2017 – FMHA Board of Directors Meeting, Cypress Lakes, 10000 US Hwy. 98 North, Lakeland, FL 33809. Time: 11:00 am. For more details, contact Jim Ayotte ([email protected]) or Beth Loftus ([email protected]) at (850) 907-9111.

June 26 – 27, 2017 – MHI Summer Legislative Fly-In, Hyatt Regency Washington on Capitol Hill, Washington, DC. Call Cheryl Berard for more info at (703) 558-0668.

August 11, 2017 – F & I Fun’N’Sun Event, Saddlebrook Resort. For more information, contact Alice Funk at (813) 220-3942 or [email protected].

September 17 – 19, 2017 - MHI Annual Meeting – Disney’s Grand Floridian Resort, Orlando, FL. Call Cheryl Berard for more info at (703) 558-0668.

September 27-28, 2017 – FMHA Annual Convention, B Resort, 1905 Hotel Plaza Boulevard, Lake Buena Vista, FL 32830. To make your hotel reservations and receive the special room rate of $139, call 1-800-248-7890 and ask for the FMHA rate. Cut-off date is September 5, 2017.

2017 CHAPTER MEETING CALENDAR

If you are interested in hosting a chapter meeting, please contact Beth at 850-907-9111 or [email protected] for details.

If you are planning to attend any of the following chapter meetings, please contact Susan at (850) 907-9111 or [email protected] and let her know.

April 5 – Panama City – Location: TGI Fridays, 1022 W. 23rd Street, Panama City, FL 32405. Meet & Greet 5:30 pm and Business Meeting 6:00 pm.

April 19 – Pinellas (St. Petersburg/Clearwater) – Location: Bankers Insurance Group, 11101 Roosevelt Blvd., N., 4th Floor, St. Petersburg, FL 33716. Meet & Greet 5:30 pm and Business Meeting 6:00 pm.

April 20 – Hillsborough, Manatee & Pasco (Tampa East) -- Location: Due Amici Italian Restaurant, 1724 E. 7th Avenue, Tampa, FL 33606. Meet & Greet 5:30 pm and Business Meeting 6:00 pm.

April 26 – Southeast Florida (Ft. Lauderdale/Palm Beach) – Location: Rexmere Village, 11300 Rexmere Blvd., Davie, FL 33325. Meet & Greet 5:30 pm and Business Meeting 6:00 pm.

April 27 – Indian River, Martin & Okeechobee (Vero Beach area) – Loca-tion: Beach Cove, 6200 99th Street, Sebastian, FL 32958. Meet & Greet 5:30 pm and Business Meeting 6:00 pm.

May 10 – Orange, Osceola & Seminole (Orlando area) – Location: Lake-shore Landings, 2000 33rd Street, Orlando, FL 32839. Meet & Greet 5:30 pm and Business Meeting 6:00 pm.

May 11 – Lake, Sumter & Marion (Ocala area) – Location: Water Oak (Main Clubhouse), 415 Water Oak Blvd., Lady Lake, FL 32159. Meet & Greet 5:30 pm and Business Meeting 6:00 pm.

May 18 – Sarasota, Charlotte & Lee (Ft. Myers area) – Location: Emerald Lake, 24300 Airport Road Road, Punta Gorda, FL 33950. Meet & Greet 5:30 pm and Business Meeting 6:00 pm.

May 31 – Panama City – Location: TBD. Meet & Greet 5:30 pm and Business Meeting 6:00 pm.

June 1 – Columbia, Suwanee, Alachua (Lake City area) – Meeting Loca-tion Needed

June 8 – Hardee, Highlands & Polk (Lakeland area) – Meeting Location Needed

June 14 - Clay, Duval, St. Johns & Nassau (Jacksonville area) – Meeting Location Needed


restrict the placement of HUD Code manufactured homes in large swaths the country.

In spite of these major roadblocks, manufactured housing has mounted a steady – yet gradual -- economic recovery since hitting record-low produc-tion levels in 2009. This is a tribute to the industry’s homes and its people, who persevere in the face of obstacles and prejudices that are either flat-out wrong, or were outdated long ago. But a slow recovery is not enough. With the ever-growing need for affordable housing and homeownership across the United States, and with the advantages that manufactured housing offers at an inherently affordable price, the industry should rightfully be producing hundreds-of-thousands of homes each year.

So how does responsibility for these “roadblocks” and their extremely damaging consequences land at the door of the HUD program? Simple. The landmark Manufactured Housing Improvement Act of 2000 imposes broad responsibilities on the HUD program, but the program, with its present leadership, entrenched contractors and equally entrenched regulators -- all laboring under a rigid, biased and thoroughly outdated perspective of the industry, its people and its homebuyers -- has utterly failed to live-up to that statutory mission.

Under the 2000 reform law, HUD’s mission is not merely to regulate manu-factured housing. Its responsibilities go much further. The law, for example, directs HUD to: (1) provide “funding for a non-career [program] adminis-trator;” (2) “ensure that the public interest in … affordable manufactured housing is duly considered in all determinations relating to the federal standards and their enforcement;” (3) “facilitate the availability of affordable manufactured homes;” (4) “facilitate[e] the acceptance of … manufactured housing within HUD;” and (5) “broadly and liberally” construe federal preemp-tion.” There is plenty more in the 2000 reform law, but these directives are sufficient to make the point.

Congress knew that it was asking HUD, in the 2000 reform law, to be more than a regulator for manufactured housing. It knew that manufactured housing, despite its quality and affordability, continues to face discrimination – both within and outside government. That is one of the reasons it directed the appointment of a non-career administrator for the program – knowing that in order for manufactured housing to play its full and rightful role within the broader housing market, it would need a powerful, assertive and accountable political appointee to elevate the status of the program at HUD, sweep away the bias that holds back both the industry and its consumers, and hold the line against entrenched regulators and entrenched, revenue-driven contractors.

Instead of the fundamental reform, though, that Congress sought to impose on program regulators (which the program, during the entire legislative process, sought to defeat or undermine), the basic structure and orientation of the HUD program has remained the same – with a career administrator, entrenched, revenue-driven contractors wielding the power of judge, jury and executioner, and entrenched regulators – with a severely outdated perspec-tive of both manufactured housing and the federal program -- committed to ever more intrusive, intensive and costly regulation. Indeed, if anything, the program over the past three years, has sharply deteriorated, totally disregarding its broader mission under the 2000 law, while ratcheting-up

regulation and the virtually unchecked and illegitimate power of its contrac-tors, including, now, not just the 40-year, de facto sole-source program “monitoring” contractor, but its installation contractor as well.

The program, under the current career Administrator, therefore: (1) is completely absent from HUD’s latest five-year strategic plan; (2) has significantly intensified regulation and regulatory compliance costs, despite hard data showing that today’s manufactured homes offer an unprecedented level of quality for consumers; (3) has allowed revenue-driven contractors to turn good ideas emerging from the Manufactured Housing Consensus Committee (MHCC) – like a streamlined “on-site construction” system -- into a paperwork boondoggle that is driving producers to avoid covered site-work altogether, or deliver site-completed homes as modulars in order to avoid the HUD quagmire; (4) is allowing its installation contractor to effectively take-over the federal installation program; (5) is seeking to assume de facto control over installation standards and programs in states with approved state law installation programs; (6) has increased the certification label fee paid by manufacturers by 156%; (7) has blocked collective industry repre-sentatives, with hard-earned institutional knowledge, memory and expertise, from serving on then MHCC as voting members; and (8) shortly after the label fee increase, sought to short-shrift State Administrative Agencies (SAAs), threatening the viability of the federal-state partnership underlying the entire program, until MHARR intervened. And that is just within HUD itself.

Broaden out the focus a bit more, and the failure of the program and its leadership becomes even more evident. Take energy regulation. What has HUD done to stop the U.S. Department of Energy, in a fundamentally-tainted rulemaking process, from singling-out manufactured homes and manu-factured homebuyers for crushing energy standards (strongly opposed by MHARR) that will far exceed standards imposed on million-dollar site-built homes and devastate the HUD Code market – in a still pending rulemaking? In a word, nothing.

Take the availability of consumer financing for manufactured homebuyers. Manufactured housing activity under the Federal Housing Administration (FHA) Title I program has fallen to insignificant levels due to the Government National Mortgage Association’s (GNMA) unduly restrictive 10-10 rule. Both FHA and GNMA are HUD agencies. What has HUD done to change the devastating status quo? Nothing.

Meanwhile, the Federal Housing Finance Administration (FHFA) has issued a final “Duty to Serve” (DTS) implementation rule – strenuously opposed by MHARR -- that fails to impose any mandatory “duty” regarding manufactured home consumer financing on Fannie Mae and Freddie Mac at all, other than a duty that they explain why they are doing nothing to better serve HUD Code consumers. The response from HUD in two open rulemakings? Zero, while manufactured home owners – at least the ones not excluded from home-ownership altogether due to the resulting higher-than-necessary interest rates – are needlessly forced into higher-rate loans in a less-than-fully-competitive financing market.

How about land use and placement? Towns and communities discriminate against HUD Code homes, HUD Code communities and HUD Code consumers around the nation every day, often excluding manufactured homes altogether, or concentrating them into lower-income pseudo-“ghettos.” HUD, under

MHARR - continued...

continued on next page


the 2000 law, could preempt those measures. It has also claimed authority, under its Affirmatively Furthering Fair Housing (AFFH) rule, to override local zoning ordinances that discriminate against affordable housing. Indeed, it recently forced a Pennsylvania community into a consent agreement reversing a zoning enactment against an affordable housing development under that same regulation. But what has the HUD program done to prevent the wholesale exclusion of HUD Code homes that it fully and comprehensively regulates? Again, nothing.

All of this hurts consumers and the industry’s small businesses the most. Larger industry businesses, shielded by multi-billion-dollar corporate mega-empires, either do not care, or quietly applaud the disproportionate damage inflicted on smaller competitors while awaiting opportunities to corner an even larger share of the market. Warren Buffet himself alluded to this in his latest “Shareholder Letter” to Berkshire Hathaway, Inc. stockholders: “Some years the gains in underlying earning power we achieve will be minor; very occasionally the cash register will ring loud. *** Every decade or so, dark clouds will fill the economic skies, and they will briefly rain gold. When downpours of that sort occur, it’s imperative that we rush outdoors carrying washtubs, not teaspoons.” (Emphasis added).

Needlessly harsh, discriminatory and unnecessarily costly regulation only helps seed the clouds that produce the kind of “downpours” Buffet refers to. President Trump knows this. He knows that over-regulation strangles the smaller businesses that are the engines of higher employment and greater economic growth. That is why he has pledged to reduce or eliminate unnec-essary, job-killing federal regulation, and has already issued Executive Orders designed to begin the process of achieving that goal.

Such policies are tailor-made for the manufactured housing industry to fundamentally reform the HUD manufactured housing program and put it on a path to fully comply with all aspects of the 2000 reform law. Another opportunity like this may never present itself again, and the manufactured housing industry – being subject to comprehensive federal regulation -- should be at the head of the queue to take full advantage of these policies rather than debating whether to get in the line at all, as some in the industry continue to contemplate.

That is why MHARR recently issued a list of policy priorities approved by the Association’s Board of Directors at its post-election, November 2016 meeting. Those priorities make it clear that after years of abuse by federal regulators acting contrary to the law and empowering entrenched revenue-driven contractors to target the industry, the new era of regulatory decon-struction being ushered-in by the Trump Administration offers a profound opportunity that must not be missed or squandered. While other segments of the industry have not given any public indication of a change in course, direction or approach based on this new reality, MHARR has already started to take action based on these fundamental objectives:

1. Elevate and include manufactured housing in all HUD (and other federal) housing and housing finance programs on the same terms as other types of housing;

2. Immediately re-assign the current career HUD manufactured housing program administrator and appoint an appropriately-qualified non-career administrator in accordance with the 2000 reform law who

would fully embrace and properly implement that law and any and all regulatory policies and orders put in place by President Trump;

3. Immediately prepare and issue a new Request for Proposals (RFP) for the HUD program monitoring contract which would provide for, encourage, and ensure full and fair competition for that position, eliminate all “make-work” programs and functions artificially loaded into the current contract, consistent with Trump Administration regula-tory policies and orders, and terminate the existing monitoring contract upon the identification and selection of a new contractor;

4. Seek the immediate withdrawal of the U.S. Department of Energy (DOE) proposed manufactured housing energy rule pursuant to executive action by either the incoming DOE Secretary, the President, or other appropriate authority and, if necessary, seek a congressional resolution pursuant to the Congressional Review Act of 1996 to reject any such rule if or when finalized; and

5. Demand and ensure securitization and secondary market support for manufactured home chattel loans in a significant and timely manner by Fannie Mae and Freddie Mac, so that consumers are not need-lessly either excluded from the housing market or unnecessarily forced into higher-cost loans within a less-than-fully-competitive consumer financing market.

Obviously, this list is not exhaustive, as there are numerous other issues – particularly impacting the industry’s post-production sector – such as discriminatory zoning and placement restrictions, federal preemption and non-discriminatory consumer financing beyond the “duty to serve” – which also must be addressed.

But now is no time for more go-along-to-get-along. Now is the time, as President Trump said in his speech before Congress, to think boldly and act boldly – to demand new leadership at the HUD program in full accordance with the law, to seek new blood and fresh perspectives within the program and among its personnel, and to flush out the entrenched contractors and entrenched interests that use the federal program – and abuse its stake-holders – to feather their own nests.

MHARR will act. Will others? Time will tell.

Mark Weiss

MHARR is a Washington, D.C.-based national trade association representing the views and interests of independent producers of federally-regulated manufactured housing.

“MHARR-Issues and Perspectives” is available for re-publication in full (i.e., without alteration or substantive modification) without further permission and with proper attribution to MHARR.

MHARR - continued...


% Change

February Shipments to Florida Retailers 2014 2015 2016 2017 2016-2017

Single-section homes 86 86 136 157 15.11%

Multi-section homes 204 263 319 300 -5.95%

Total for the month 290 349 455 457 0.43%

Floor Shipments 498 617 779 763 -2.05%

Year-To-Date


Multi-section homes 413 520 624 631 1.12%

Total for the year 577 750 901 947 5.10%

Floor Shipments 1,002 1,287 1,541 1,593 3.37%

Florida Production

Single-section homes 48 65 68 56 -17.64%


Total for the month 208 267 297 256 -13.80%

Floor Production 372 472 530 459 -13.39%

Year-To-Date



Total for the year 412 538 590 582 -1.35%

Floor Production 739 940 1,055 999 -5.30%

U.S. Production

Single-section homes 2,043 2,362 2,820 3,737 32.51%

Multi-section homes 2,318 2,441 3,309 3,575 8.03%

Total for the month 4,361 4,803 6,129 7,312 19.30%

Floor Production 6,729 7,290 9,496 10,930 15.10%

Year-To-Date

Single-section homes 3,949 4,746 5,466 8,014 46.61%

Multi-section homes 4,817 5,026 6,525 7,125 9.19%

Total for the year 8,766 9,772 11,991 15,139 26.25%

Floor Production 13,688 14,904 18,630 22,342 19.92%

PRODUCTION AND SHIPMENTS


Name: ___________________________________________________________________________

Address: _________________________________________________________________________

City, State, Zip: ____________________________________________________________________

Email Address: ___________________________________________________________________

Registration fees: $89.00/golfer (includes 18 holes, golf cart and Awards Cocktails):

________________________________ ________________________________

________________________________ ________________________________

Awards Cocktails and Hors d’oeuvre only - $25/per person

Name: ____________________________ Name: ____________________________

Name: ____________________________ Name: ____________________________

Please make checks payable to The Billy Turney Foundation. Payment must be received with registration.

Golf Registration Fees @ $89 each (includes Awards Cocktails) ____________

Awards Cocktails and Hors d’oeuvre @ $25 each ____________

I’m unable to attend but here’s my donation of:

Total Fees Enclosed ______________

Credit Card Information:

American Express MasterCard Visa Discover Card

Name on Card: ______________________________________________________________

Card Number: ______________________ Exp. Date: ___________ Security Code: ________

Billing Address & Zip Code: _________________________________________________

Signature: ___________________________________________________________________

Mail check and completed registration form to: FMHA, c/o The Billy Turney Foundation, 1284 Timberlane Road Tallahassee, FL 32312 or fax to (850) 907-9119.

For more information call Mary-Anne Wunderler (813) 350-9399 x.1 or email [email protected].

Friday, April 21, 2017 - 1:30 PM St. Petersburg Country Club

2000 Country Club Way South • St. Petersburg, FL 33712

Registration Deadline: Monday, April 3, 2017

(Registration limited to 144 golfers.)

10th AnnuAl

“Best Friends” Golf ClAssiCIn support of The Billy Turney Foundation (A Charitable Foundation)

$50 $200 $1,000

Other $________$100 $500

(on back of card)

Indicate your sponsorship level:

______ Principal Sponsor $500

______ Longest Drive & Closest To The Pin, (4 holes) $300

______ Golf Hole Sponsor $125

______ Hole-in-One Sponsor $400

______ Beverage Cart Sponsor $250

______ Donation $ _____________

Please Respond by Monday, April 3, 2017

Schedule of Events:

Friday, April 21, 2017

1:30 PM Golf Tournament

5:00 PM Awards Cocktails & Hors d’oeuvre

Please send completed sponsorship form along with a check made payable to The Billy Turney Foundation to: FMHA, c/o The Billy Turney Foundation 1284 Timberlane Road, Tallahassee, FL 32312 or fax to (850) 907-9119.

Credit Card Information:

______ American Express ______ MasterCard

______ Visa ______ Discover Card

Name on Card: _______________________________________________________

Card Number: ____________________ Exp. Date: ________ Security Code _____

Billing Address & Zip Code: ___________________________________________

Signature: ____________________________________________________________

10th AnnuAl

“Best Friends” Golf ClAssiCIn support of The Billy Turney Foundation (A Charitable Foundation)

FMHA – 31th Annual

REGISTRATION DEADLINE July 20th, 2017 Thursday, August 10th,2017 Saturday, August 12th,2017

Firm Name: Contact:

Phone # ( ) Address:

City, State, Zip:_

Registrants: $175.00 each * Includes Award Reception & Dinner*Golf TennisGolf TennisGolf TennisGolf Tennis

* * FMHA “Retailer” Member will receive “One Complimentary ” registration.Golf Tennis

If you have a particular group or individual that you would prefer to partner with: Name Firm

These individuals must also register!

Awards Reception & Dinner Only - $70.00 * Ticket Required *Children - $23.00 * Ticket Required *

Name Firm Name Firm

Special Children’s Program Ages 4 - 12 * Ticket Required * 5 pm to 10 pm Fun filled Games, Movie & Dinner $28.00

Minimum of ten (10) pre-registered participants.Name Firm Name Firm

Credit Care Information: Name on Card:________________________________ Card Number : ______________________ Exp. dt. ________ Sec ode:______Billing Zip Code: ________ Signature:___________________________________

* * * Payment must be received with Registration * * *For more information please contact Alice Funk - 813 220-3942

[email protected]

Please make checks payable to FMHA - Finance and Insurance Division Mail check and form to FMHA - Finance & Insurance Division

c/o A. FunkP. O. Box 340028Tampa, FL 33694

Finance & Insurance Division

Presents:

THE 31THE 31stst ANNUAL ANNUAL

Mark your sponsorship selection:

____ Signature Sponsor $2,000.00

____ Awards Reception $1,500.00

____ Hole ‘N One Sponsor $1,250.00

____ Winner’s Circle Sponsor $1,000.00

____ Long Dr & Closest to Pin $ 800.00

( Represented on 4 Holes )

____ Cigar Bar Sponsor $ 750.00

_____ Beverage Cart Sponsor $ 600.00

_____ Golf Hole Sponsor $ 400.00

To Maximize your advertising benefits, in the Newsletters & mail outs please respond by Thursday, April 20 th , 2017

Your support is worth thousands of dollars in advertising! Sponsors will be recognized in all of the FMHA Newsletters, Mail Outs, at

the Golf Tournament, Tennis Tournament, Awards Reception and Banquet .

Agenda of the Day Friday, August 11 th , 2017 All Day Swimming & Health Spa

7:00 A.M. Continental Breakfast/Registration7:30 A.M. Golf Tournament

8:00 A.M. Tennis Tournament5:30 P.M. Skids Program

6:00 P.M. Awards Reception7:00 P.M. Dinner

All attendees must pre-register; regardless of how many events they are participating in.

For more information call Alice Funk (813) 220-3942 [email protected]

Checks payable to FMHA - Finance & Insurance Division

Mail Sponsorship to Alice FunkP. O. Box 340028 Tampa, Fl. 33694

Page 1.

Thursday, August 10th, 2017

Saturday, August 12th, 2017

3131stst ANNUAL - Fun n Sun Event ANNUAL - Fun n Sun Event

Saddlebrook Resort 1-800-729-8383

5700 Saddlebrook Way, Wesley Chapel, FL. 33543-4499

Nightly Room Rates:Deluxe Guest Room for 1 or 2 Adults…………...$115.00One Bedroom Suite for 1 or 2 Adults……………$145.00Two Bedroom Suite for 2 to 4 Adults……………$180.00

All nightly rates subject to Florida State & Local Taxes plus a $10.00 per adult, per night Resort Fee. Room reservations must be guaranteed with either a one night's monetary

deposit or major credit card number with expiration date. Cancellation within 72 hours is required.

ROOM RESERVATIONS MUST BE RECEIVED BY

Monday, July 10Monday, July 10thth, 2017, 2017

To receive the group rate, please mention FMHA when speaking

with a Saddlebrook representative.

AGENDA OF EVENTS

Thursday August 10th, 20173:00 PM Check in @ Saddlebrook

7:00 PM FMHA Hospitality Suite # 343

Friday August 11th, 20177:00 AM Golf Registration7:45 AM Golf Tournament - 4 Person Scramble8:00 AM Tennis Registration5:30 PM Special Childrens Program - TICKET REQUIRED!6:00 PM Awards Reception - TICKET REQUIRED!7:00 PM Dinner Buffet & Entertainment - TICKET REQUIRED!

Saturday August 12th, 2017 Noon Check Out Have a Great Week End!

SdlbrookRegis Page 2

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