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At the September 20, 2017 meeting of the Board of Directors, the Inspectors of Election counted the 2017 ballots and these are the results they reported to the Board of Directors:

Quorum Certification - The Inspector of Elections reported that 128 valid ballots had been received and that this met the required number of votes necessary to achieve a quorum of the voting membership. Additionally, 4 ballots received was improperly completed. These ballots were excluded from the quorum count and were not included in the election results.

Election of Members of the Board of Directors

Candidate Votes Received

Nicholas Briggs 134
Deep Rastogi 107
Abstain 15

Nicholas Briggs and Deep Rastogi were elected to three-year terms.

Proposal Votes as follows:

Proposal 1 - Association Resolution for IRS Ruling 70-604 Election

Resolution A:
Retain Excess Income 124

Resolution B:
Refund Excess Income 4
Abstain 0

Proposal 2 - Earthquake Insurance – Should HOA Obtain Coverage

Earthquake Insurance Votes Received 128

Yes 72
No 54
Abstain 2

If you have questions regarding these results, please notify:

Inspector of Elections
675 Picasso Terrace
Sunnyvale, CA 94087

Sunset Oaks Homeowners Association
Earthquake Insurance Forums
8/12/17, 10-11:30; 8/23/17, 6:30PM-7:30; 8/26/17 10:00-11:30
Guest: Naomi Kleitsch, Farmers Insurance (at the 8/12 Forum)

Naomi described this policy as being quite good. She mentioned that previous earthquake insurance policies only covered the outside structure. Due to a surplus held by insurance companies (which is due to a lack of recent earthquakes causing serious damage), insurance companies are now offering policies that cover far more than just the outside structure. Policies, including the one she was presenting, include interior structure, garage structures, community center, walkways, paved surfaces, fences, gates, underground items such as sewer, gas and/or water lines, light poles and signs. At a high level, for the 45 buildings where there are residents, Coverage A would mean that a 10% deductible would apply for damage done to occupied buildings, and no deductible for the non-occupied buildings (such as the community center) and the other items in the common areas.

During the Aug 12 Forum, the insurance agent mistakenly stated the deductible as 15%. The deductible is 10% or $25,000, whichever is greater. All deductible discussions in this summary have been corrected to match the policy.
Not included in Coverage A: liability; damage to personal items; reimbursement for loss of use or relocation. She suggested that a homeowner should have their own HO6 policy to cover those items. Also not covered: flood
Cost of policy: approximately $78,000/year, price subject to change each year. Bill indicated this would break down to $319/year or $27/month for each homeowner

One homeowner (a real estate agent) requested information on the 1906 earthquake and the 1989 earthquake, and wanted details on how this area was impacted by those two earthquakes. Naomi didn’t have answers to those questions. The homeowner felt that the risks for this area was low. What he saw from the 1989 earthquake was damage resulting from fireplaces not properly bolted, brick buildings such as in Los Gatos, and damage to areas built on landfill on top of marshes. He said that our property is bolted to cement slabs, and was of the opinion that our risk of damage from an earthquake is minimal as a result.

Sunset Oaks sustained no damage to the buildings, facilities or infrastructure as a result of the 1989 Loma Prieta earthquake.

According to Wikipedia:
During the 1906 earthquake, Sunnyvale was an agricultural community.
Another homeowner questioned the 10% deductible. Is that 10% of the value of the property, $65M, or 10% of the total damage done to the property? Naomi clarified that it would be calculated by 10% of the total damage done to the property. She also added that the 10% would be applied per building, and that the minimum deductible would be $25K per building. For example, if 3 buildings were damaged, the minimum deductible would be $75K. If only 1 building was damaged, the minimum deductible would be $25K.

A question came up as to how the application process would happen if there was an earthquake and there was damage. The insurance company would create a plot map, value the property, and calculate the percentage damage to the property. For example, if they determined that 10% of the property was damaged, then the damage amount would be $6.5M.

It was noted that the ballot is structured for a 5-year period. However, if the membership votes yes, it is not obligated to keep the insurance for that long – it can hold a revote during that 5-year period.

A question came up as to aftershocks – are they counted as separate incidents, or as one incident? This would go to how the deductible is calculated. Naomi answered that aftershocks would be considered to be the same occurrence.
There was a brief discussion about personal umbrella insurance. Umbrella insurance covers liability; it is relatively cheap to get, and also covers household, cars, and assets (hence the term umbrella). Note: The Association recommends each homeowner should consult with their own insurance provider to decide what insurance is appropriate for their particular needs and concerns.
There was a brief discussion about chimneys, and whether ours were at higher risk of being damaged in an earthquake. The result of the discussion was that chimneys in older homes had a higher risk of being damaged than those on the Sunset Oaks property.

A homeowner asked for information on what damage would occur to the property if an earthquake happened. Naomi said she didn’t have that information. The homeowner clarified that he wanted to know how the underwriter calculated what damage would occur to the property in the event of an earthquake, and how they priced the policy as a result of their calculations. Naomi will research that question.

Another homeowner noted that the CEA loss assessment policy was very expensive, but that his HO6 policy loss assessment was very cheap.

A homeowner asked how many homeowners would need to vote in favor of insurance for us to get it. Bill answered that of the quorum who votes, a majority of those has to vote yes. If the minimum quorum of 123 homeowners votes, then 62 of those would have to vote in favor of getting earthquake insurance. If 150 homeowners vote, then 76 of those would have to vote in favor.
Further clarification on the deductible was asked. Two examples were discussed:
Example 1: 5 units in 1 building suffered $2million in damages: Cost to homeowners with insurance would be $200,000/245 homes=$816 each. Cost to homeowners without insurance would be $2,000,000/245=$8163
Example 2: 5 units in 2 buildings suffered $2million in damages. With insurance, cost to homeowners would be $200,000/245=$816 each (this assumes both building incur $1M in damage each). Cost to homeowners without insurance would be $2,000,000/245=$8163

Other questions from the Aug 12 Homeowners’ Forum:

Q: A homeowner asked who was underwriting the policy. Naomi answered that it was Lloyds of London. She shopped it around, and got 5 quotes, and Lloyds was the best offer. A follow up question was asked about who were the other bidders.
A: The other offer for insurance in 2017 was from QBE ($50M at a premium cost of over $80K). For the bid received in 2016, 20 carrier were asked to bid, of those that provided quotes, only Lloyds/United Specialty and QBE had offers with premium costs below $100K.

Additional information: The Lloyds of London policy is being offered has a shared risk between Lloyds of London (83.5%) and United Specialty Insurance Company (16.5%).

Q: How many earthquake policies does Farmer’s have in California?
A: Farmer’s has few, if any, earthquake insurance policies in California.

Q: If a homeowner is already carrying an earthquake insurance policy for their home, should they keep it if the Association votes to purchase earthquake insurance?
A: The decision for a homeowner to carry personal earthquake insurance is a personal choice that the homeowner should make after discussion with their own insurance agent. It was noted several times that a personal policy may provide some protection coverage against the homeowner’s deductible assessment.

Q: What is the liability if earthquake damages one home but a subsequent fire burns the other homes in the building?
A: The damage by the earthquake would be covered by earthquake insurance, the subsequent fire would be covered by the Association’s existing fire insurance.

Additional questions from the Aug 23 Homeowners’ Forum:
Q: In the event that there is an earthquake, how long would it take to be paid?
A: It depends on the size of the event. Before you get paid, the reconstruction has to start. They generally pay as the contract bills repairs on the buildings. The claims are adjusted by the underwriting facility, so it is not like getting paid from London, if anyone has experienced that. In the Napa event, which was small, some carriers had adjusters at the building before they opened for business, before a claim was filed. In a larger event, it could take some time.

Q: If earthquake insurance is not approved by the homeowners during this ballot, can it be voted on again in the future?
A: Yes, but the Board has not discussed the what criteria would justify a new earthquake ballot after a first ballot fails.

No new questions were asked during the 8/26 Homeowners’ Forum
If you believe any question asked during the meeting have been omitted from this summary, please let us know so that it can be added.
Homeowners with additional questions can send them to Bill Tom at or they can deliver written questions to Association clubhouse mail slot. Along with your questions, please include your name and a way to contact you. All questions will be added to this summary and distributed to the homeowners.

Below is a link to the U.S. Geological Survey’s outlook on an earthquake in the SF Bay Area:
Thanks to all of the homeowners who participated in the Homeowners’ Forums!

All homeowners are encouraged to vote
Return your ballots at your earliest opportunity!


April 21, 2017

Dear Homeowner,

The 45th Annual Homeowners’ Meeting will be held on May 3, 2017 at 7:30 PM in the Clubhouse located at 675 Picasso Terrace, Sunnyvale, California 94087. As part of the Association’s continued cost-cutting measures for 2017, the Annual Membership Meeting Agenda and the 2016 Audited Financial Statement are being mailed. Other reports will be posted online at as they become available. This action considerably reduces the Association’s printing and mailing costs. A homeowner, who does not have computer access, may contact the Manager at 408-735-8012 to request paper copies of the online reports.

It is important that all resident and vehicle information forms be updated often. The “Resident Information and Vehicle Information Forms” are online for your convenience. All non-resident owners are responsible for making certain that their tenants have provided their important information (Section 5.15 of the CC&R’s and Resolution 29) to the Association.

New election rules, adopted in July 2006, (Section, 1363.03 of the Davis-Stirling Act) affect all California common interest developments and their voting procedure. The Election of the Board of Directors and the IRS Tax Resolution must be voted on by secret written ballot. A ballot packet will be mailed to all homeowners, after the May 3, 2017 Membership Annual Meeting. Homeowners will have a 30-day period, in which to vote. Voting instructions and return envelopes will be included with that mailing. The Inspectors of Election are required to count all ballots at an open meeting of the Board once the required number (123) is received. Notices will be posted.

We always need volunteers. If you have a few hours each month to help your Association, the Board of Directors would welcome your support. We all want to protect our home investment. If you have some extra time, think about volunteering.



Katherine A. Buckley
Association Manager

This mailing includes
The 2017 Annual Meeting agenda is copied on the reserve side of this page.
Important safety Information sheet
Homeowner checklist sheet
2016 Audited Financial Report


May 3, 2017 AGENDA

MEETING DATE: May 3, 2017

PLACE/TIME: Association Clubhouse at 7:30 PM

CALL TO ORDER (time noted) Nick Briggs


A YEAR IN REVIEW – 2016 Nick Briggs



Tax Resolution - Explanation only Bill Tom/Mark Shade




Website Revision
Public Safety Notification/Posting
Play Area
Earthquake Insurance
Ballot – “Importance of Returning”

HOMEOWNERS' COMMENTS (two-minute speaking limit)

Committee Volunteers
Board Meetings
Homeowners Forums Nick Briggs

ADJOURNMENT (time noted)
Nick Briggs

The 2018 Annual Meeting will be held on Wednesday, May 2, 2018 at 7:30 PM in the Sunset Oaks Clubhouse.


(To be voted on by secret written mail-in ballot)
TAX RESOLUTION – Tax year 2017


Please click on the links below to view the handout materials:

Burglary Tips:

Crime Prevention Programs:

Crimes Annual Report 2015-2016:

Crimes Monthly Report Nov-Dec 2016:

Fire Prevention Home-Office:

Home Inventory Checklist:

Preventing Auto Burglaries:

SDPS Contact Information:

Social Media Sites:

Sunnyvale Resource Guide:


Thursday, January 12, 2017
7:00 pm - 8:00 pm

In response to the handgun robbery on Picasso Terrace of a Sunset Oaks resident and the recent rise in home burglary crimes in our area of Sunnyvale, we will be holding a Safety and Crime Prevention Meeting with representatives of the Sunnyvale Public Safety Department.

The meeting will include a presentation by Sunnyvale Public Safety with Questions and Answers, followed by an opportunity to offer your ideas and suggestions for making the residents of Sunset Oaks safer against these types of crimes.

This meeting has been organized for the homeowners, so please plan to attend to LISTEN and LEARN. We need your INPUT and want you to share your SUGGESTIONS with your neighbors.

Mark your calendars and we hope to see you then. Let’s keep our community safer together!
Thank you.


Election Results

At the December 14, 2016 meeting of the Board of Directors, the Inspectors of Election counted the 2016 ballots and these are the results they reported to the Board of Directors:

Quorum Certification - The Inspector of Elections reported that 126 valid ballots had been received and that this met the required number of votes necessary to achieve a quorum of the voting membership.

Additionally, 3 ballots received were improperly completed. These 3 ballots were excluded from the quorum count and are not included in the election results.

Election of members of the Board of Directors

Candidate Votes Received
Patti Selan 131
William Tom 125
Eric Davis 108
Abstain 11

Patti Selan and William Tom have both been elected to three-year terms.
Eric Davis has been elected to a two-year term

Proposal Votes

Proposal 1 - Association Resolution for IRS Ruling 70-604 Election

Resolution A:
Retain Excess Income
Resolution B:
Refund Excess Income

If you have questions regarding these results, please notify:
Inspector of Elections
675 Picasso Terrace
Sunnyvale, CA 94087



As we all know, WATER CONSERVATION IS STILL EXTREMELY NECESSARY. Despite recent rains, the drought is far from over. We all need to cut back on our household water usage and practice water conservation every day. Most of the water consrvation has been due to the cut back by the Association on irrigation watering. Homeowners must do their part and conserve.

In past years, the Sunset Oaks’ residents were asked to participate in water conservation efforts to reduce water usage and costs, and with everyone’s participation, we did it! We know that many people are already conserving water but not enough. There is no “one size fits all” water reduction. The most important thing to remember is that we ALL need to use our water wisely every day. If you haven’t already, here are a few simple actions you can take:

• Find and fix all indoor and outdoor leaks and drips. You can save thousands of gallons of water if you call a plumber fix a leaky faucet. Do not postpone the call! Take action immediately!

• Wash cars at car-wash facilities. Most car washes use substantially less water than if you wash your car at home. In addition, a car-wash facility disposes of the chemicals and detergents in accordance with local regulations, but washing cars on our property does not, and sends chemicals and detergents into the bay. If you must wash your car onsite - then a shut-off nozzle at the end of your hose is mandatory.

• Install low-flow showerheads and faucet aerators. Since January 1995, showerheads in new homes have been required to dispense no more than 2.5 gallons per minute. If you have a showerhead older than that, please replace it with a showerhead that meets the modern flow rate standards. Shorter showers are also an easy way to conserve water: shortening a shower by 2 minutes can save 6-12 gallons of water. Low-flow showerheads and faucet aerators are reasonably-priced and available at Orchard Supply or any local hardware store.

• Upgrade your toilets to low-flow toilets. The Energy Policy Act of 1992 mandated that all new toilets produced for residential use conform to a 1.6 gallon-per-flush (gpf) standard, moving away from the old 3.5 - 5 gpf models. If the toilets in your home are older than 1992, or leak or “run,” please replace them with low-flush toilets.

• Upgrade your appliances. New washing machines and dishwashers consume far less water than older appliances; select dishwashers that do not require pre-rinsing. Don’t forget to check the water heater for any signs of leakage such as (water in the bottom pan).

• Sweep instead of spray. Use a broom to clean patios and garages. DO NOT use a hose.

• Plant California native, drought-tolerant plants. Replacing plants in your patio with California native plants can save water, since many need minimal irrigation beyond normal rainfall. In addition, they can be lower maintenance than other plants, requiring little or no fertilizer or pesticides. A variety of nurseries carry California native plants, including

• Clean recyclables by putting them in the dishwasher. Recyclables should be cleaned, but washing recyclables by hand can consume gallons of water. Instead of hand-washing, put them in the dishwasher with your regular cycle. Also, run your dishwasher (not to mention the washing machine) only when it is full – you can save 1000 gallons a month by doing so.

• Avoid letting faucets run needlessly. Set a good example by turning off water while you brush your teeth or lather your hands, and then teach your children to do the same. Take shorter showers or when showering, turn off water while shampooing and conditioning hair. Both practices can save 3-4 gallons of water per minute, which can translate into over 200 gallons per week for a family of four.

• Also, the Association will be reducing the common area landscape watering. Except for the recent lawn reseeding in some areas, the common area watering times and frequencies will be considerably reduced. Please encourage your friends, neighbors and family to be part of a water-conscious community. Report any common area or unattended sprinkler problems, including areas of pooled water, to the property manager.

Where Else Can I Get Water Conservation Information?

Water conservation tips, rebates and services are widely available via:

• Water Conservation Hotline – Call (408)630-2291 for free home water audits

Thank you for your cooperation