Annual Meeting 8/1/2020

Meeting came to order at 6:00 p.m.


Board Members present:

 Scott Cole, President;

Matt Lyon, Vice President;

Georganne Archambault, Treasurer;

Elissa Lyon, Secretary;

Dick Moreau , Trustee;

Carl Mitchell, Trustee;

Dan Haase, Trustee;



Introductions of board members. 


Motion to start meeting. 


Secretary’s Report:

Minutes from Board Meeting 5/30/2020 were read and accepted as is.  Motion made by Carl Mitchell and seconded by Matthew Lyon.  Motion Carried.  Minutes to be put on file.    


Treasurer’s Report:

Cash Balance as of 5/31/2020: $17,016.57  

Expenses were presented. 

Budget Planning Report for Annual Meeting was presented.  This showed all our expenses due, and expenses expected for next year.

Motion to accept the treasurer’s report was made by Elissa Lyon and seconded by Carl Mitchell.  Report was approved and put on file. 



New Business:


Dam Insurance:

On June 29, 2020 LOHA received a letter in our P.O. Box that Auto-Owners was cancelling our insurance policy on the dam.  This was due to the Edenville and Sanford dams collapsing this past Spring. We believe this is happening to several private dams through out Michigan.  In the past, the total insurance cost was $1,900.00 per year.  As of 8/1/2020 the insurance now costs $14,000.00 per year.  This is a significant increase.  While we will continue to look for insurance policies with adequate coverage, we needed to get coverage for our dam before the cutoff date of 8/1/220.  We did pay for a 6 month policy which will give us an opportunity to look at other, more cost effective options.  We voted to increase dues for each homeowner (now per lot) $50.00.  So each lot would cost $100 per year for the year 2020 and each additional lot would still continue at the cost of $50.00. 


Also, we voted to increase lot dues for 2021.  It was proposed to increase the lot dues to $175.00 per lot for the first lot owned  and $50.00 for each additional lot.


The vote was unanimous for each vote to increase the dues. 


When you get your invoice, please note the $50 additionally due for 2020 will be due by the end of this year, 12/31/2020.  But we encourage all residents to pay this invoice as soon as they are able.   

Our insurance liability coverage is $2,000,000.00 which is the same as it was before the new policy was in effect. The new company we are using is National Fire & Marine Ins. Co.  We also purchased an Excess Quote (Umbrella) for $1,000,000 for an extra $2,879 per year, costing the association around $14,000 per year. 


Coldwater Lake

We did receive a letter from Coldwater Lake’s attorney asking us to get ahold of them to discuss our dam with them due to the flooding they received in the Spring of 2020.  We have not responded to the attorney.  We did respond to the President at Coldwater Lake. No other discussions/letters have taken place.


There will be a dam inspection next year, July 2021.  The inspection is required to take place every 5 years.


Please put your boat lights on at dusk.  If you do not have lights on your boat, you should not be operating it in the dark. 


Election of Officers:


President:   Scott Cole – (989) 615-3817

Vice President: Matt Lyon (989) 506-8636

Treasurer: Georganne Archambault – (765) 623-2317

Secretary: Elissa Lyon – (269) 568-5680

Trustee: Dick Moreau – (517) 420-7214

Trustee: Danny Brent – (989) 430-6406

Trustee: Jennifer Mullin – (989) 621-5070



Thank you to Carl Mitchell for being our board for the last several years, and to Dan Haase for being a trustee for the last year.  We appreciate your service to our lake and its residents!