The URL can be used to link to this page

NOTICE OF RENEWAL PREMIUMUniversal Property and Casualty Insurance Company 1110 W. Commercial Blvd Suite 300 Fort Lauderdale, FL 33309 FORWARDING SERVICE REQUESTED Pamela Ulrich 1283 Sawgrass St Clearwater, FL 33755 Dear Policyholder: RECEIVED AUG 12 2016 OFFICIAL RECORDS AND LEGISLATIVE SRVCS DEPT NOTICE OF RENEWAL PREMIUM Universal Property and Casualty Insurance Company appreciates the opportunity to meet your residential insurance needs. Your current policy is nearing the end of its term and the premium for your renewal policy is due soon. Below we have listed the premium amount for your renewal policy and the date your payment is due. To assist you in budgeting your premiums, we offer payment plans or you may choose to finance your premiums through a premium finance agreement. You can save money by paying in full because certain fees apply to the payment plans and premium finance option. On the other hand, the payment plans and premium finance option allow you to reduce the amount of your initial payment and spread your payments over time. Information about your payment options is included with this notice. Please select the payment option that best suits your needs, and send your payment along with the Renewal Premium Remittance below so we receive your payment before the Payment Due Date. Your Payment in Full Amount listed below includes $0.00 due to an approved rate increase and $0.00 due to coverage changes. The limits of insurance under your policy may have increased due to replacement cost estimates. The Payment in Full Amount also includes amounts attributable to assessments from certain statutory organizations. These organizations and the effect of their assessments on your policy are: Citizens Property Insurance Corporation Florida Hurricane Catastrophe Fund Florida Insurance Guaranty Association $0.00 $0.00 $0.00 A rate adjustment of $0.00 is included to reflect the Building Code Enforcement Grade in your area. Adjustments range from a 1% surcharge to an 4% credit. Please contact your insurance agent with any questions about your policy and your payment options. Return Bottom Portion with Payment Pamela Ulrich 1283 Sawgrass St Clearwater, FL 33755 RENEWAL PREMIUM REMITTANCE Policy Number: Statement Date: Payment Due Date: Payment in Full Amount: I select the following payment option. My payment is enclosed. ❑ Payment in Full ❑ Two -Pay Plan ❑ Four -Pay Plan ❑ Premium Finance Option (One -time payment (First installment (First installment (Down - payment of $ of $ of $ of $ 1503 - 1502 -6092 7/29/2016 9/17/2016 12:01 AM EST $778.00 778.00 required) 444.00 required) 249.00 required) N/A required) Your renewal declaration page is enclosed. This renewal policy will not go into effect, and your coverage will lapse, if UPCIC does not receive your payment as selected above by the Payment Due Date. If your payment is less than the amount required for the payment option you have selected, your payment will be applied to the next shortest payment plan for which you qualify and fees for that payment plan will apply (but you will not be placed in a premium finance option without a signed premium finance contract). Great News! Now you can pay your premium online. Simply register at https: / /account.universalproperty.com or by phone 24/7 by calling our automated payment service at 1- 866 - 926 -2217 PAYMENT OPTIONS Universal Property and Casualty Insurance Company (UPCIC) welcomes the opportunity to continue providing your • residential property insurance coverage. We offer the following options for paying your renewal premium: Payment in Full: You may pay your renewal premium in full by sending the Payment in Full Amount so we receive it before your Payment Due Date. Paying in full saves you money when compared to payment plans and premium financing because certain fees apply to the payment plans and premium finance options. Two -Pay Plan: Our two -pay plan allows you to divide your renewal premium into two payments. Based on your current Payment in Full Amount, the two -pay plan would require the following payments and fees: Payments Amount Due Due Date 1 $444.00 9/17/2016 2 $356.00 3/16/2017 Four -Pay Plan: The four -pay plan allows you to divide your premium into four payments. The following schedule identifies the payments and fees that would apply based on your current Payment in Full Amount: Payments Amount Due Due Date $249.00 9/17/2016 2 $201.00 12/16/2016 3 $201.00 3/16/2017 4 $161.00 6/14/2017 Your agent can assist with any questions you may have about your policy and your payment options. Please remember that whichever option you choose, UPCIC must receive your initial payment (or payment in full, if applicable) by the Payment Due Date shown in your Notice of Renewal Premium to avoid a lapse in your coverage. Great News! Now you can pay your premium online. Simply register at hftps://account.universalproperty.com or by phone 24/7 by calling our automated payment service at 1- 866 - 926 -2217 Return Bottom Portion with Payment Pamela Ulrich 1283 Sawgrass St Clearwater, FL 33755 Make sure these addresses are visible through the window of the return - envelope Policy Number 1503 - 1502 -6092 Statement Date 7/29/2016 Due Date 9/17/2016 12:01 AM EST Account Balance $778.00 Minimum Due 249.00 US Funds Only Please print your new address in the area below Address: Apt #: City: State: Zip: Universal Property and Casualty Insurance Company 1110 W. Commercial Blvd Suite 300 Fort Lauderdale, FL 33309 ❑ Two Pay Plan ❑ Four Pay Plan ❑ Premium Finance Option Amount Enclosed $ 1 0000150315026092 00024900 00077800 09172016 0 Universal Property and Casualty Insurance Company clo.Universal Risk Advisors 1110 W. Commercial Blvd Suite 300 Fort Lauderdale, FL 33309 Toll Free: 800 - 425 -9113 Homeowners ERS4I,PERT1.tNU Declaration Effective AN iV ROP (1Nt:11111A+t iMtf (O\11'W 09/17/2016 , ,- Renewal Policy Claims: 800 - 218 -3206 Service: Contact your Agent Listed Below Policy Number FROM Policy Period TO [INSURED BILLED] Agent Code 1503 - 1502 -6092 09/17/2016 09/17/2017 12:01 AM Standard Time 9V24 Named Insured and Address Pamela Ulrich 1283 Sawgrass St Clearwater, FL 33755 (727) 204-1234 Basic Coverages Attached Endorsements Premium Premium $1,146.00 ($395.00) Premium Summary Assessments / Surcharges Form Construction 1-106 Frame County PINELLAS Agent Name and Address All Lines Ins Grp 1345 S Missouri Ave Clearwater, FL 33756 (727) 446-5721 MGA Fees /Policy Fees $0.00 $27.00 Location 001 Townhouse/ Number of Year Rowhouse Families 2013 N 1 Dwelling Replacement Cost Y Home Updated Y Total Policy Premium (Including Assessments & Surcharges) $778.00 Protection Occupied Class Y 1 Protective Device Credits: Burglar None Fire Sprinkler None N Territory BCEG 81 99 Shutter N Wind / Hail Exclusion N We will provide the insurance described in this policy in return for the premium and compliance with all applicable provisions of this policy. If we elect to continue this insurance, we will renew this policy if you pay the required renewal premium for each successive policy period subject to our premiums, rules and forms then in effect. You must pay us prior to the end of the current policy period or else this policy will expire. Insurance is provided only with respect to the following coverages for which a limit of liability is specified, subject to all the conditions of this policy. COVERAGES - SECTION I LIMITS PREMIUMS Coverage -A- Dwelling $62,076 Coverage -B- Other Structure $0 Coverage -C- Personal Property $20,000 $1,146.00 Coverage -D- Loss of Use $8,000 NOTE: COVERAGES - SECTION II LIMITS PREMIUMS Coverage -E- Personal Liability $300,000 $18.00 Coverage -F- Medical Payments $1,000 The portion of your premium fo hurricane coverage is: $155.71 The portion of your premium for all other coverages is: $622.29 Section 1 coverages subject to a minimum 5.0% - $1,000 hurricane deductible per calendar year. Section 1 coverages subject to $1,000 non - hurricane deductible per loss. $0.00 DESCRIBED LOCATION - The Described Location covered by this policy is at the above address unless otherwise stated: 1283 SAWGRASS ST CLEARWATER, FL 33755 THIS POLICY CONTAINS A SEPARATE DEDUCTIBLE FOR HURRICANE LOSSES WHICH MAY RESULT IN HIGH OUT - OF- POCKET EXPENSES TO YOU. Flood coverage is not provided by Universal Property and Casualty Insurance Company and is not part of this policy. Countersignature Date Chief executive Officer UPCIC HO Dec 02 12 Printed Date: 7/29/2016 3:04:24 AM 1 of 2 Universal Property and Casualty Insurance Company c/o Universal Risk Advisors 1110 W. Commercial Blvd Suite 300 Fort Lauderdale, FL 33309 Toll Free: 800 - 425 -9113 Declaration Effective `` v f od Rol CRTt1,\11�k t'01 tl!I l' iRIN( Et 1UPOi 09/17/2016 Renewal Policy Claims: 800 - 218 -3206 Service: Contact your Agent Listed Below Policy Number FROM Policy Period TO [INSURED BILLED] Agent Code - I 1503 - 1502 -6092 09/17/2016 09/17/2017 12:01 AM Standard Time 9V24 Mortgagee / Additional Interest 01 Caliber Homes Loan Inc ISAOA ATIMA Po Box 7731 Springfield, OH 45501 9701323157 Mortgagee /Additional Interest 01 Caliber Homes Loan Inc ISAOA ATIMA Po Box 7731 Springfield, OH 45501 9701323157 NUMBER EDITION HO 00 06 04 91 UPCIC 06 03 32 08 UPCIC 3 01 98 UPCIC 25 01 98 (06 -07) UPCIC 23 08 16 UPCIC 19 01 98 UPCIC 16 01 98 HO 17 32 04 91R (06 -07) HO 04 96 04 91 UPCIC 04 90 04 91 (06 -07) UPCIC 00 07 (02 -12) UPCIC 10 01 98 (06 -07) Additional Interest Mortgagee /Additional Interest 02 City of Clearwater ISAOA ATIMA Po Box 4748 Clearwater, FL 33758 Agent Name and Address All Lines Ins Grp 1345 S Missouri Ave Clearwater, FL 33756 (727) 446-5721 Mortgagee /Additional Interest 03 Policy Forms and Endorsements Applicable to this Policy DESCRIPTION LIMITS PREMIUMS $1,146.00 Homeowners 6 Unit Owners Form Limited Fungi, Wet or Dry Rot, or Bacteria Section 1 - $10,000/$20,000; Section 11 - $50,000 Outline of Your Homeowner Policy Hurricane Deductible Special Provisions - Florida Windstorm Protective Devices Loss Assessment Coverage Unit Owners Coverage A - Special Coverage No Coverage for Home Day Care Business Personal Property Replacement Cost Sinkhole Loss Coverage - Florida Existing Damage Exclusion Year Built Surcharge Personal Liability Increase Endorsement MGA Fee Emergency Management Preparedness Assistance Trust Fund $2,000 $62,076 ($548.00) $5.00 $63.00 $20,000 $67.00 $300,000 $18.00 $25.00 $2.00 LAW AND ORDINANCE COVERAGE IS AN IMPORTANT COVERAGE THAT YOU MAY WISH TO PURCHASE. YOU MAY ALSO NEED TO CONSIDER THE PURCHASE OF FLOOD INSURANCE FROM THE NATIONAL FLOOD INSURANCE PROGRAM. WITHOUT THIS COVERAGE, YOU MAY HAVE UNCOVERED LOSSES. PLEASE DISCUSS THESE COVERAGES WITH YOUR INSURANCE AGENT. This replaces all previously issued policy declarations, if any and is subject to all forms and endorsements attached to this policy. UPCIC HO Dec 02 12 Printed Date: 7/29/2016 3:04:24 AM 2 of 2 Universal Property & Casualty Insurance Company c/o Universal Risk Advisors, Inc. 1110 W. Commercial Blvd., Suite 300 Ft. Lauderdale, FL 33309 TOLL FREE: (800) 425 -9113 07/29/2016 Pamela Ulrich 1283 Sawgrass St Clearwater, FL 33755 Dear Policyholder, Policy Number: 1503 - 1502 -6092 Property Address: NOTICE OF CHANGE IN POLICY TERMS 1283 SAWGRASS ST CLEARWATER, FL 33755 The purpose of this Notice of Change in Policy Terms is to inform you of changes to the terms, coverages, duties and /or conditions of your renewal policy as described below: DEFINITIONS • "Occurrence" now clarifies Assault or battery is not an `occurrence," when committed by or at the direction of an "insured ". • "Marring" and "Personal Injury" are specifically defined. SECTION I — PROPERTY COVERAGES • COVERAGE A - Dwelling and COVERAGE B — Other Structures, Special Limits of Liability, Cosmetic and Aesthetic Damage to Floors is added as follows: The total limit of liability for Coverages A and B combined is $10,000 per policy period for cosmetic and aesthetic damages to floors. 1. Cosmetic or aesthetic damage includes but is not limited to: a. Chips; b. Scratches; c. Dents; or d. Any other damage; to less than 5% of the total floor surface area and does not prevent typical floor use. 2. This limit includes the cost of tearing out and replacing any part of the building necessary to repair the damaged flooring. 3. This limit does not increase the Coverage A or Coverage B limits of liability shown on the declaration page. 4. This limit does not apply to cosmetic or aesthetic damage to floors caused by a Peril Insured Against as named and described in Coverage C — Personal Property. SECTION I - ADDITIONAL COVERAGES 1. Reasonable Repairs The title of the "Reasonable Repairs" additional coverage is amended to `Reasonable Emergency Measures ". The additional coverage is amended to provide a $3,000 limit (or 1% of the Coverage A limit, whichever is greater) for reasonable costs incurred by you for emergency measures taken solely to protect your covered property from further damage in non - hurricane events. The changes also provide that additional coverage is available, with our prior approval. 2. Collapse The Collapse coverage is amended to better express that coverage for abrupt collapse of a building does not provide coverage for collapse of plumbing pipes resulting only from age, deterioration or maintenance SECTION 1— PERILS INSURED AGAINST 1. Collapse The peril of collapse is amended to better express that coverage for plumbing pipes resulting only from age, deterioration or maintenanc 2. Accidental Discharge of Water or Steam Universal is amending the accidental discharge or overflow of water original intent of the Coverage A and Coverage B peril of Accidental appliance covers only access necessary to repair the portion or part abrupt collapse of a building does not provide coverage for collapse of e. or steam peril. Provisions are added to more explicitly express that the Discharge or overflow of water or steam from a plumbing system or of the plumbing system that caused the covered loss SECTION I - EXCLUSIONS • The following Exclusions are added to your policy: Assignee(s) or Third Parties, meaning we will not be responsible for payment under SECTION I and II — CONDITIONS, 7. Assignment, to any assignee(s) or third parties, for payments on losses that are not covered under this policy. Criminal or Illegal Activity, meaning any and all criminal or illegal acts performed by any insured that result in damage to structure or personal property. Home Sharing /Bed and Breakfast, including covered losses, on homes or condos or any part thereof, arising out of participation in home sharing or bed and breakfast program, such as Airbnb, Flipkey, HomeAway, where homes /condos are rented for days, weeks or months. (This is added under Exclusion 1. in Form HO 00 03 SECTION I - CONDITIONS UPCIC NOC 0712 • The Your Duties After Loss" condition is amended to better define loss reporting requirements. This includes: o Requiring notice within 72 hours by the Policyholder instead of "prompt" reporting; o Adding an exception to the insured's notification responsibilities if emergency circumstances prevent 72 hours notification; o Expressing that the insured is required to take only temporary measures necessary to protect property from further damage; o Permitting us to inspect damaged property before permanent repairs are made; o Adopting ISO and industry language excluding coverage if we are prejudiced by failure of the insured to fulfill their duties after loss. • Your Duties After Loss are further modified to include the following: f. As often as we reasonably require: (1) Show us the damaged property and the cause of loss possible, except as to any repairs performed under SECTION I — ADDITIONAL COVERAGES, 2. Reasonable Repairs. (2) Provide us with the records and documents we request and permit us to make copies; (3) Any and all insureds must submit to recorded statements when requested by us; (4) In the County where the "residence premises" is located you, your agents, your representatives and any and all insureds must submit to examinations under oath and sign same when requested by us; At your or our request, the examinations will be conducted other persons except legal representation; (5) Permit us to take samples of damaged and undamaged property for inspection, testing and analysis; (6) Any and all insureds must execute all authorizations for the release of information when requested by us; and (7) Cooperate with us in the investigation of a claim. i. As often as is reasonably necessary to effectuate repairs: (1) Provide access to the property; (2) Execute any necessary city, county or municipal permits for repairs to be undertaken; (3) Execute work authorizations to allow contractors entry to the property; and (4) Otherwise cooperate with repairs to the property; when we exercise Our Option under SECTION I — CONDITIONS 9. Glass or Safety Glazing Material. • New Adjustment to Property Coverage Limits is added: If your policy is a renewal with us, the limit of liability for Coverages A, B, C and D may be adjusted. Any change in the limits of liability indicated above does not, in any way represent, warrant, or guarantee to any person or entity, that: a. These adjustments will keep pace with inflation; or b. That the amounts of coverage are adequate to repair or rebuild any specific building or structure. Deductible. Unless otherwise noted in this policy, the following deductible provision applies: Subject to the policy limits that apply, we will pay only that part of the total of all loss payable under SECTION I that exceeds the deductible amount shown in the Declarations SECTION 1I - EXCLUSIONS • The Watercraft Exclusion exception for outboard engines or motors of more than 25 total horsepower owned by an "insured" and acquired during the policy period, or prior to the policy period and declared at policy inception and notified the company in writing within 45 days, is removed. • Clarified to specifically exclude loss arising out of pollutants and chemicals, and criminal or illegal activity. Coverage E and Coverage F perils that do not apply to "Personal Injury" are specified. SECTION I AND II — CONDITIONS • Modified pursuant to recent changes in Florida Statutes as follows: The descriptions in this notice are intended to be for informational purposes only. Please review your policy and endorsement language carefully. In the event of a conflict, the language in your policy and its endorsements will be controlling. To accept the renewal offer, simply pay the renewal premium as provided in the accompanying notice. If applicable, your mortgage company will receive the renewal offer and make payment on your behalf. Our receipt of the premium payment for the renewal policy is deemed to be your acceptance of the new policy terms. If you have any questions concerning this notice or any other policy matter, please contact your insurance agent for assistance. Notice of Premium Discounts for Hurricane Loss Mitigation *** Important Information *** About Your Personal Residential Insurance Policy Dear Homeowner, Hurricanes have caused tens of billions of dollars in insured damages and predictions of more catastrophic hurricanes making landfall in Florida have triggered increases in insurance premiums to cover potential future losses. Enclosed is information regarding wind loss mitigation that will make your home more resistant to wind and help protect your family during a catastrophic event. In addition to reducing your hurricane wind premium by installing mitigation features, you may also reduce the likelihood of out of pocket expenses, such as your hurricane deductible, you may otherwise incur after a catastrophic event. What factors are considered in establishing my premium? Your location: The closer a home is to the coast, the more vulnerable it is to damage caused by hurricane winds. This makes the hurricane -wind premium higher than for similar homes in other areas of the state. Your policy: Your insurance policy is divided into two premiums: one for damage caused by hurricane force winds (hurricane -wind) and one for all other damage (all perils), such as fire. Your deductible: Under the law, you are allowed to choose a $500, 2 %, 5% or 10% deductible, depending on the actual value of your home. The larger your deductible, the lower your hurricane -wind premium. However, if you select a higher deductible your out -of- pocket expenses in the event of a hurricane claim will be higher. Improvements to your home: The state requires insurance companies to offer discounts for protecting your home against damage caused by hurricane winds. Securing your roof so it doesn't blow off and protecting your windows from flying debris are the two most cost effective measures you can take to safeguard your home and reduce your hurricane -wind premium. These discounts apply only to the hurricane -wind portion of your policy. The costs of the improvement projects vary. Homeowners should contact a licensed contractor for an estimate. You can find a Certified Contractor in your area by visiting the Florida Department of Business and Professional Regulation online at www.myfloridalicense.com. Your maximum discount: Discounts are not calculated cumulatively. The total discount is not the sum of the individual discounts. Instead, when one discount is applied, other discounts are reduced until you reach your maximum discount of 88 %. How can I take advantage of the discounts? Homeowners will need a qualified inspector such as a general, building, or residential contractor licensed under Section 489.111, Florida Statutes, or a professional engineer licensed under Section 471.015, Florida Statutes, who has passed the appropriate equivalency test of the Building Code training program as required by Section 553.841, Florida Statutes, or a professional architect licensed under Section 481.213, Florida Statutes, or a building code inspector certified under Section 468.607, to inspect the home to identify potential mitigation measures and verify improvements. For a listing of individuals and /or inspection companies meeting these qualifications contact your insurance agent or insurance company. The following is an example of how much you can reduce your insurance premium if you have mitigating features on your home. The example is based on your hurricane -wind premium* of $155.71 which is part of your total annual premium of $778.00. Remember, the discounts shown only apply to the hurricane -wind portion of the premium and the discounts for the construction techniques and features listed below are not cumulative. * Wind mitigation credits apply to that portion of your premium that covers the peril of wind, whether or not a hurricane exists. OIR -B1 -1655 (Rev.02 /10) Adopted by Rule 690- 170.0155 1 Homes built prior to the 2001 building code Description of Feature p Estimated* count Percent Discount Estimated* Annual Premium is Reduced by: Roof Covering (i.e.. shingles or tiles) 4% $6.23 * Meets the Florida Building Code * Reinforced Concrete Roof Deck 82% $127.68 * If this feature is installed on your home you most likely will not qualify for any other discount. How Your Roof is Attached * Using a 2" nail spaced a 6" from the edge of the plywood and 12" in the field of the plywood 0% $0.00 * Using a 2 1/2" nail spaced a 6" from the edge of the plywood and 12" in the field of the plywood 9% $14.01 * Using a 2 1/2" nail spaced a 6" from the edge of the plywood and 6" in the field of the plywood 9% $14.01 Seconday Water Resistance (SWR): not SQR) (Standard underlayments or hot mopped felts are not SWR) * SWR. Self adhering polymer modified bitumen roofing underlayment applied directly to the sheathing of foam SWR Barrier (not foamed on insulation) applied as a secondary means to protect the dwelling from water intrusion. 6% $9.34 * No SWR 0% $0.00 Roof -to -Wall Connection 0% $0.00 * Using "Toe Nails" - defined as 3 nails are driven at an angle through the rafter and into the top roof. * Using Clips - defined as pieces of metal that are nailed into the side of the rafter /truss and into the side of the top plate or wall stud 30% $46.71 * Using Single Wraps - a single strap that is attached to the side and /or bottom of the top plate and are nailed to the rafter /truss 30% $46.71 * Using Double Wraps - straps are attached to the side and /or bottom of the top plate and are nailed to the rafter /truss 30% $46.71 Shutters * None 0% $0.00 * Intermediate Type - shutters that are strong enough to meet half the old Miami- 20% $31.14 Dade building code standards * Hurricane Protection Type - shutters that are strong enough to meet the current 30% $46.71 Miami -Dade building code standards Roof Shape * Hip Roof - defined as your roof sloping down to meet all your outside walls (like a pyramid). 30% $46.71 * Other 0% $0.00 * Estimate is based on information currently on file and the actual amount may vary. The Uniform Mitigation Verifica ion Inspection Form is required an signed by a licensed contractor to receive the credit. OIR -B1 -1655 (Rev.02 /10) Adopted by Rule 690- 170.0155 2 Homes under the 2001 building code or later Description of Feature Estimated* Premium Discount Percent Estimated* Annual Premium is Reduced by: Homes built under the 2001 Florida Building Code or later edition (also including the 1994 South Florida Building Code for homes in Miami -Dade and Broward Counties) are eligible for a minimum 68% discount on the hurricane -wind portion of your premium. You may be eligible for greater discount if other mitigation features are installed on your home. Shutters 0% $0.00 * None * Intermediate Type - shutters that are strong enough to meet half the old Miami- Dade building code standards 20% $31.14 * Hurricane Protection Type - shutters that are strong enough to meet the current Miami -Dade building code standards 30% $46.71 Roof Shape 30% $46.71 * Hip Roof - defined as your roof sloping down to meet all your outside walls (like a pyramid). * Other 0% $0.00 " Estimate is based on information currently on file and the actual amount may vary. The Uniform Mitigation Verification Inspection Form is required and signed by a licensed contractor to receive the credit. Alternately and regardless of the year of construction, if you meet the minimum fixture and construction requirements of the 2001 Florida Building Code you have the option to reduce your hurricane -wind deductible from to If you have further questions about the construction techniques and features or other construction techniques and features that could result in a discount, please contact your insurance agent or the insurance company at 1(800)- 425 -9113. OIR -B1 -1655 (Rev.02 /10) Adopted by Rule 690- 170.0155 3 Universal Property and Casualty Insurance Company 1110 W. Commercial Blvd Suite 300 Fort Lauderdale, FL 33309 FORWARDING SERVICE REQUESTED I'IIII'lli' 1111111' III' lll1l1IIIlll '11111"111111'1'111d11111111 City of Clearwater ISAOA ATIMA PO Box 4748 Clearwater, FL 33758 -4748 35 -7736 G)