MOONBEAMS

Nancy Hemenway

Here comes the winter social season! We have some wonderful ideas! With the help of volunteers we hope to make this season a success. . Half Moon Bay sustained a tremendous amount of damage from Hurricane Wilma. It will take many months to restore our beautiful bit of paradise. During the initial clean up we saw neighbor helping neighbor. That's what it's all about! To all the people who stayed during the hurricanes, and who helped clean up, THANK YOU from all of us. Later in this paper we have reports from the Master, Phase 1 and Phase 2, and, K-HOV, Boards of Directors. I am sure everyone has questions. Hopefully, some of these will be answered by the reports of the individual boards.

We had a great group of people show up to help decorate for the holidays. We could not hang lights in the clubhouse due to the roof damage. However, the guys managed to hang lights on the outside, the trees, the gazebo, and the guardhouse. We purchased new wreaths for the front entrance. We will probably need new lights and reindeer for the front entrance next year. The flowers have been planted at the front entrance.

We are gearing up for a busy social calendar. ...Welcome back party is January 7^th. We will again have music by the DooWops, food and drink provided free of charge. Residents ONLY please. Wednesday and Sunday BBQ's will begin as soon as our chefs are ready too start cooking.

The summer social group had some good parties. We hope that these summer activities continue, and that the summer group will join us in organizing the winter season. We need as many ideas for activities as we can get. Our first Social Committee meeting will be Tuesday evening, January 10th at 7 PM in the clubhouse. Several residents requested a nighttime meeting so that they can participate. Please plan to attend this meeting. Your participation is necessary for a successful season. We need help with all of our planned events, and we'd like to hear your ideas for this winter season. A list of upcoming activities is at the end of this

newsletter.

Pat Foreman

As a resident of Florida, one becomes accustomed to a lot of company, both welcomed and unwelcome. Wilma ranks as my most unwelcome visitor.

On her extended trip all the way from Africa, Wilma cut across the Caribbean becoming stronger as she traveled. Her pressure dropped to 852 MB, the lowest pressure ever recorded for a hurricane. She entered the Gulf of Mexico, becoming a category 5 hurricane and headed to Cancun, Mexico. She stalled over Cancun for two days. She was predicted to boomerang back across the Gulf of Mexico and hit the West Coast of Florida somewhere near Fort Myers as a category 2-3 hurricane, then exit the East Coast as a category 1 or a topical storm.

I was a survivor of hurricane Jeanne, so a category 1 didn't seem too bad. I had never heard of a hurricane hitting and then boomeranging in the opposite direction. I was wrong on both counts. Wilma picked up speed as she traveled back across the gulf, hitting the West Coast of Florida farther south than expected. Her outer fringes caused havoc in Miami and Fort Lauderdale and were fueled by the Atlantic Ocean. As she headed directly at WPB, instead of waning as predicted, she became stronger. Shortly before noon her outer reaches descended on HMB. The winds rose with a spattering of rain. The winds continued to intensify, and HMB was transformed into a STAR WARS battlefield of flying tiles with audio provided by the howling wind. Dumpsters careened across parking lots, hitting anything in their path and trees were felled.

The sounds of smashing tiles invaded our sanctuaries. I listened to my battery-operated radio. By now the electricity, TV and phones had failed. After approximately 45 minutes, the eye of the storm passed over. Only then did I have the nerve to peak out to view the destruction. I breathed a sigh of relief, my shutters had held, no leaks were visible. We only had the weaker back side of the storm to face. The winds shifted and the calm of the eye gave way to what was erroneously referred to as the back side. The winds rose to intensity equal to, or worse, than the front side. Slowly the winds subsided and Wilma departed. HMB had been exposed to eye wall winds as she approached and as she departed. Gradually, the residents emerged to assess damages and share their traumatic experiences. Now it was time to pick up the pieces! Many of us did just that, clearing our entrances of broken tiles.

Dark days followed the hurricane. (I do mean DARK). The first day was somewhat of a lark-like camping out. The barbecue grills became the focal point of social activity with residents cooking up their perishables and sharing. After two or three days, reality crept in. The refrigerator began to take on an odor, in spite of several cleanings. In about four days the freezer gave out (even with several gallons of frozen water). More trips to the Dumpster. My mood was getting darker; I would kill for a hot cup of coffee! The prospect of more cold showers and an 8:30 bedtime was getting old.

I learned some valuable facts from Wilma. There are some 1400 traffic signals in the West Palm Beach area, of that number, 1200 were inoperable. Florida Power and Light has 4 million customers. Three point two million were without power. Hurricane shutters are definitely worth the investment, even if your neighbors never tell you how pretty they are. Every household should have an old-fashioned metal coffeepot that can be heated on the grill. Probably the most important lesson learned was that there are a lot of very nice people at HMB who are willing to help each other through a very trying time. I am thankful that our only losses were to property and that the weather remained comfortable throughout the power outage. I also gained a new respect for peanut butter, but most of all; I learned the value of electricity.

Albert Eisenberg

HURRICANE REPORT The removal of all hurricane debris has been completed. The clubhouse and outbuildings roofs suffered substantial damage and will require replacement. The poolside bar will require retiling. The insurance company adjuster has provided an indication of reimbursement. However, due to the roofing contractor's workload, we have not received firm quotations that will permit us to proceed

with replacement. Fallen trees have damaged the fencing around the property and tennis courts. We are also awaiting repair quotations from fence contractors. Photos of the post hurricane property damage may be seen on the Half Moon Bay at, www.hmb-hypoluxo.com. Please also refer to our website to keep current on Association officers, Contact information and Office hours, Meetings information, Social Committee events, Rules and Regulations, and News and Notices.

OTHER PROJECTS The landscaper has just completed planting impatiens for the season. Hidden leaks inside the wall of the outside office building and restrooms required opening the inside walls in several places. As soon as we receive the insurance adjuster's report, we will complete the repairs and retile the men's bathroom walls. An updated November 2005 Telephone Directory is now available at all offices. Revised Master Association Rules and Regulations will also be available shortly. The rules have been relaxed and clarified to make your life at Half Moon Bay simpler and without unnecessary restrictions. Thanks to the gift from the Social Committee, additional umbrellas, tables and chairs have been ordered.

Dick Roney

During Hurricane Wilma, Half Moon Bay, Phases I and II sustained major damage to the carports, broken roof tiles, roof ventilators blown away, air conditioners knocked off their stands, broken lamps in the parking areas, broken windows and frames in several apartments. The status as of, January 3, 2006: Citizens Insurance Company has sent us a check for the carports which we have deposited in an interest bearing account. We are processing contractors to repair the carports.

The insurance adjuster from QBE is waiting on estimates from three contractors for the roof repairs. On January 19, 2006, at the annual meeting we are asking that each resident vote in favor of changing the tile roof to a metal roof, because the tiles proved to be dangerous and destructive when loosened by hurricane force winds. Buildings in our area with metal roofing faired much better. This change will require 75% approval by the residents of Phase I & II. Please send in your proxy votes before the meeting even if you plan to attend the meeting.

All air conditioners were repaired and all ventilators were replaced on both buildings. The parking light lamp replacements are almost finished. Bob Laughin, our maintenance man, and Bill Ward, our Board Vice President, worked together to complete this task.

Replacement windows on all apartments have been ordered and delivery is expected to start by the end of this week. Please cooperate with Bob, our maintenance man, when installation begins.

Please send in your proxy vote before January 19, 2006 to vote in favor of requiring hurricane protection, either hurricane shutters or high impact glass on every window, for each apartment. A vote of 75% approval is required to amend the documents. The hurricanes of 2004 and 2005 have proven that every window must be protected, not just sliding glass doors.

Hurricane repairs have been a slow process and we asked each resident to be as patient as possible. If you have any problems that have not been identified to date, please contact our management company, JMD at 561-302-5477 and ask for James.

John Sceppa

Hurricane Wilma caused extensive damage to Half Moon Bay K-HOV. Roofs, landscaping, road signs, and light poles were damaged throughout the property. As of, December 9,2005, temporary repairs were completed. Fallen trees and broken plantings that had blocked the roadways have been removed. Repairs have been completed to broken lights on the tops of our streetlights. Temporary relocation of broken light poles is complete. Removal and disposition of broken and loose roof tiles from all buildings has been completed. Secondary clean-up and removal of fallen trees, dislocated plantings, broken screens, torn shutters placed by the dumpsters will continue. Repairs to the sprinkler system is on going and will continue for some time given the fact that we need to inspect the status of about 2300 sprinkler heads. Waste Management Company has been given detailed information on the need to repair or replace broken or missing recycle bins. This effort will take some time due to the allocation of manpower and equipment by Waste Management to the collection of debris throughout the town of Hypoluxo.

Damage claims have been submitted to our insurance broker. Claims will continue as we uncover other damage to Half Moon Bay - K-HOV. Estimates to repair or replace the building roofs involve complex insurance, legal and financial issues. The board will explore these issues in detail prior to making a final recommendation on the roofs.

Unit owners should be aware that Half Moon Bay by K-HOV maintains separate insurance policies for each building. Each building has it's own deductible. K-HOV insurance policies currently in place do not cover any damage to the areas managed by the Master Board Association at Half Moon Bay. The Master Board maintains separate coverage for its facilities.

As unit owners return to Half Moon Bay by K-HOV it is important to report in writing to the Management Company (GRS). Please keep in mind that no final decision has been reached regarding what repair expenses might be reimbursable to unit owners. Regardless of whether a repair expense is reimbursable, you are still required to submit, in writing, to the management company (GRS) details of the damage to a unit.Your patience and understanding during the lengthy repair and or construction process are appreciated.