News and Updates
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Latest News
📚✨ September Financials Are Ready! ✨📚
Great news, neighbors! The information for our September books is now available for you to view on our community website.
Take a few minutes to check it out—you’ll find all the latest updates that help keep Emerald Green running smoothly and transparently. Staying connected makes our community stronger, and we’d love for everyone to be in the know!
👉 Visit: www.emeraldgreentownhomes.com/financials
Thank you for being such an engaged and supportive part of Emerald Green! 💚
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📋 Insurance Information
Hello Emerald Green neighbors!
Here’s a clear summary of what the 2025–2026 Emerald Green Townhomes Package Policy covers for homeowners, based on the full policy document. We have all questioned what coverage we have so this is why we have posted it for your review.
🏘️ Overview
Insurer: Central Mutual Insurance Company
Named Insured: Emerald Green Townhomes Community Association, Inc.
Policy Period: March 7, 2025 – March 7, 2026
Total Premium: $45,960
Coverages Included:
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Commercial Property Coverage
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Commercial Crime Coverage
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Commercial General Liability Coverage
🧱 1. Commercial Property Coverage
Total Building Coverage Limit: $14,262,978 (Blanket limit)
Deductibles:
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$5,000 per occurrence (general)
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$10,000 for wind or hail events
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$1,000 deductible on “Premier Plus” property extension coverage
What’s Covered:
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All 29 townhome buildings and the clubhouse at 147 Aztec Circle, Mooresville NC.
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Coverage applies to the building exteriors and shared structures, not individual unit interiors.
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Includes replacement cost (RC) coverage for the insured buildings.
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“Special Form” coverage — meaning all risks are covered except those specifically excluded.
Key Extensions (Premier Plus):
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Up to $100,000 for various property extensions (like debris removal, fire department service, ordinance/law coverage, etc.).
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Includes 3% inflation guard to adjust building values annually.
Major Exclusions:
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Flood, mudslide, mudflow, earthquake, and landslide losses (these are explicitly not covered).
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Virus or bacteria related damage (COVID-type exclusions).
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Cyber incidents, pollution, and nuclear/biological/chemical events.
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Roof surfacing limitations (coverage for roof materials may be restricted by age or condition).
💰 2. Commercial Crime Coverage
Employee Theft Blanket Coverage: $250,000 limit per occurrence
Deductible: $5,000
Purpose: Protects the association against financial loss caused by theft, fraud, or dishonest acts committed by employees, management company staff, or others handling HOA funds.
⚖️ 3. Commercial General Liability Coverage
Primary Coverage Limits:
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Each Occurrence: $2,000,000
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General Aggregate: $4,000,000
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Products/Completed Operations Aggregate: $4,000,000
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Personal & Advertising Injury: $2,000,000
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Damage to Rented Premises: $300,000
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Medical Expense (per person): $5,000
What’s Covered:
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Bodily injury or property damage claims occurring on HOA property (common areas, clubhouse, etc.)
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Personal and advertising injury (e.g., libel, slander in HOA communications).
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Coverage extends to all 29 buildings listed on Aztec Circle and Coral Lane.
Endorsements & Exclusions:
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Unmanned aircraft (drones) exclusion.
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Employment-related practices exclusion (e.g., discrimination or harassment not covered).
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Cyber incident, data privacy, and PFAS substance exclusions.
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Limited fungi or bacteria liability coverage: $25,000 aggregate limit.
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Terrorism coverage included per federal TRIA program (premium $8).
🛡️ 4. Key Notices & Limitations
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No flood or earthquake coverage – homeowners should secure separate FEMA or private flood policies if needed.
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No coverage for viruses, pandemics, or cyberattacks.
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Wind and hail have higher deductibles ($10,000 per building occurrence).
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Reinstatement fee ($30) and NSF fee ($25) for returned payments.
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Terrorism coverage included for certified events under federal law.
📄 Summary for Homeowners
This master HOA policy protects:
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The buildings’ exterior shells, roofs, and shared structures.
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The clubhouse and community common areas.
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Liability protection for the association and board members against claims of injury or damage occurring in common areas.
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HOA funds against employee theft or fraud.
Homeowners are responsible for:
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Interior unit improvements (drywall in, fixtures, flooring, personal property).
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Personal liability inside their homes.
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Loss assessment and betterments not covered by the HOA policy.
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Separate HO-6 condo insurance to bridge coverage gaps.
Thank you for staying engaged and informed about our community! 💚
— Emerald Green HOA Board
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🌿✨ Emerald Green Community Shout-Out! ✨🌿
We are so excited to share some wonderful news — and to shine a spotlight on some amazing neighbors who are stepping up to help our community continue to thrive! 💚
🎉 Congratulations and a BIG thank you to our new HOA Board members:
🌟 Mindy Ciccotti Marino - President 🌟 Stephen Moyer - Vice President
🌟 Betty Darrell - Secretary 🌟 Michele Canale Dufore - At Large Board Member
🌟 Kathy Huie - At Large Board Member
Your leadership and dedication are truly appreciated!
🎈 A round of applause to the new Social Committee team members:
🌷 Diane Marozas
🌷 Paula Vlahakis
🌷 Jean Zicco
🌷 Darlene Horstmann
Thank you for volunteering to bring fun, connection, and spirit to Emerald Green!
🌼 And a heartfelt thank you to our Beautification Committee volunteers:
🌻 Dave Marino
🌻 Dennis Huie
Your efforts will help keep our community looking its very best!
💫 We are incredibly grateful for the time, care, and energy each of you will bring to Emerald Green. It’s neighbors like you who make this such a special place to call home.
THANK YOU! 💫
#EmeraldGreenPride #CommunityStrong #ThankYouVolunteers #WeLoveOurNeighbors
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📢 Exciting News, Emerald Green Residents! 📢
We’ve listened to your suggestions, and we’re happy to announce that one of your most requested features is now LIVE on the website! 🎉
You can now easily recommend home services for other community members on our new Recommended Home Services page. Whether it's a plumber, electrician, HVAC company, or landscaper you’ve had a great experience with, you can share that information with your neighbors!
🔗 Visit the page here: https://www.emeraldgreentownhomes.com/recommendedhomeservices
Once on the page, feel free to add any companies or individuals you’ve used and would recommend. Let’s help each other out by sharing trusted services within our community!
Thank you for your input in making this happen! 🙌
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10/20/2025
Hello Emerald Green
Serving as a board member of a HOA is a serious responsibility. HOAs are entrusted with managing the financial resources of the community members, and therefore, we must demonstrate a high level of accountability and responsibility to ensure that these resources are utilized in an efficient and effective manner.
The fiduciary duties of board members are vital to the success of community associations. They can either make or break the association's progress.
What is a Fiduciary you ask?
A fiduciary is someone or a group that is bound to act in the best interests of another party. This means they must prioritize the interests of the party they represent, such as our community and homeowners, before their own. Fiduciary duties are the obligations a fiduciary has to their beneficiaries, which include duties of loyalty and care.
What Are the Duties of Fiduciary Responsibility?
Fiduciaries are required to exercise their powers in accordance with the duties set forth by the governing documents as well as the local law. There are two primary obligated duties when acting as a fiduciary: duty of loyalty and duty of care.
Duty of Loyalty: As a fiduciary, it is the duty of loyalty to safeguard the association's interests and avoid any actions that may contradict them. Board members must refrain from exploiting their position for personal gain and disclosing any possible conflicts of interest. They should not use their power to advance their own interests and always put the association first.
Duty of Care: As a board member, it is your duty to perform due diligence and act in the best interest of the community. This means being an active participant in all tasks required of you and making informed decisions. Failure to take your role seriously or neglecting your responsibilities is a breach of the duty of care. If you choose to become a board member, you must approach your duties with thoughtfulness, care, and fairness.
To ensure that all decisions and actions taken regarding Emerald Green are accurate and fair, it is important to consistently refer to the governing documents and adhere to their guidelines for each decision as well as the homeowners.
HOA Responsibilities
Hello Everyone,
After receiving the question several times "Isn't the HOA responsible for that??" recently. We thought it would be a good time to address this question on the website for everyone in the community. While putting this together, We also found an old email from 2020 that was sent out during a time prior to the current board. One would think that this question has came up before and was addressed by Cedar Management. Please see the email below.
To try and explain this for you in simple terms. When you purchased your home in Emerald Green, it came with a deed for the property. Everything that you bought that is covered and referenced in that deed to your property is your responsibility the same as if it were a typical home on 10 acres of land and all alone. However, because we all have townhomes and not individual homes, the HOA is responsible for things that affect both homes. Things that affect both homes are known as "General Common Elements" for the property and are listed as such on all of our deeds. General Common Elements are owned by the two homeowners of the connected properties and are for their use only. In other words, your neighbor 3 doors down cannot use them. They are only for the actual homeowners of a particular property. The term "General Common Element" is better explained in our Bylaws and that definition can be seen below as well as on page 5 in the Bylaws.
2.1.6.1 General Common Elements. "General Common Elements" means those Common Elements that are for the use and enjoyment of all Owners of the Project, as described more fully in the Master Deed.
For each of our homes within Emerald Green the "General Common Elements" are the following;
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Roofs
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The center walls that separates the two homes
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Gutters
The reason the items above are "General Common Property" is because the owner of one home cannot make changes to them that would not affect the other home. Therefore, this is the reason the HOA is responsible for them.
With the exception of the three items listed above and labeled "General Common Elements", the remainder of the home/property the you purchased within Emerald Green and shown on your Deed as the building and land are known as "Limited Common Property". "Limited Common Elements" means that it's use is exclusively reserved for the Homeowner. This means that your neighbor from 3 doors down cannot just come and sit on your porch and enjoy the view. It belongs to you and should be treated as such. The term "Limited Common Elements" is better explained in our Bylaws and that definition can be seen below as well as on page 5 in the Bylaws.
2.1.6.2 Limited Common Elements. "Limited Common Elements" means those Common Elements that are reserved for the exclusive use of a Owner of a specific unit or units, as described more fully in the Master Deed.
The other parts of our community that are used by every owner/tenant are known as "Common Elements". Examples of "Common Elements" are the streets, sidewalks, mailboxes, clubhouse, walking trails and the court yard in the center. "Common Elements" as described in the Bylaws means anything that is meant to be used by everyone. It is better explained in our Bylaws and that definition can be seen below as well as on page 5 in the Bylaws.
2.1.6 Common Elements. "Common Elements" means any portions of the Project other than the individual Condominium Units, including all general and limited common elements, as described more fully in the Master Deed.
With all of the above being said, while it pains me to admit this, the email shown above from Cedar Management is and was correct. This information will also be posted in the "Frequently Asked Questions" section of this website for future reference by all.
If you have any questions and/or comments please feel free to email the current board members using the following email address. EMERALDGREENTOWNHOMES@GMAIL.COM
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