A MESSAGE FROM THE HOME OWNERS’ ASSOCIATION:
Following the notice from Parkbridge
concerning brown sheds and insurance
we have had many requests from residents for
explanations and advice. To be sure of what
we tell you we engaged a lawyer specializing
in insurance issues. We have also received
information from residents and from
Parkbridge. We regret that we have not been
able to send this message earlier but the
current COVID-19 situation has caused
multiple delays in obtaining the
Please be aware that the information in this
message has been provided to us and reflects
what we have been told but the Association
assumes no liability for its accuracy.
Individual residents are solely responsible
for any decisions based on this information.
Please take the time to read the whole
message especially the final paragraph.
don’t have a brown shed – do I have to do
the insurance part?
Yes you do as stated in the FAQ pages of the
notice. These are really two separate issues
that Parkbridge has decided to act on at the
Do I have to pay for a brown shed?
If you are entitled to a shed as defined in
the FAQ sheet Paragraph #3 you do not have
to pay. In the payment section of the
Agreement simply cross out the amount space
– Parkbridge has confirmed that this as the
correct thing to do.
have, and am entitled to, a brown shed but
do not want it – what should I do?
You can give it up and if that is what you
decide then advise Parkbridge in writing.
However, when the time comes to sell your
home, and only if your lease specifically
states that you are entitled to a shed, if
you then assign your lease there will be no
free shed for your buyer - a selling point
Can Parkbridge legally require me to act
about insurance as stated in the notice?
Yes they can. It is something we agreed to
do when we signed our leases.
Is this still in force even though
Parkbridge – or the previous ownership -
have not asked for it for many years?
Yes it is. One special note however. There
are a few leases dating back to the 80’s and
early 90’s. It is possible that these leases
do NOT include the insurance requirement. In
this case Parkbridge cannot now require it
unilaterally. You will need to read your
lease very carefully to be sure. If you do
not see this requirement you must contact
If I do this does it affect me in any way?
For most things it does not. However, and
depending on the wording of your policy, it
MAY mean that you can no longer sue
Parkbridge if, through some act of theirs,
you suffer injury or loss.
note that the Association does not in any
way make a recommendation as to whether this
influences your decision whether or not to
go ahead. This must be entirely your
What will happen if I choose not to do
Legally you will be in breach of your lease.
We don’t want to cause you to panic but this
does mean that Parkbridge can, in theory at
least, terminate your lease and require you
to sell up and leave the Park. We expect
that they would first try to work with you
to find a solution.
You also need to be aware that based on the
FAQ’s, and if you have decided not to add
Parkbridge as a named insured, even sheds
legitimately in use will be fitted with
Parkbridge locks replacing yours. It is not
clear what would then happen but the
implication is that you would lose the right
to use the shed and would have to remove
your possessions a.s.a.p. And they might
If I do choose to do it does my insurance
company have to agree?
No they do not – it depends on their policy.
This is where it gets a bit confusing. We
have had different answers reported as
1. They will not do this at all. This means
that, to go ahead, you will have to find
another company that will. Parkbridge has
advised that they have a list of such
companies available to you. Contact the
Office to get it.
2. They will do all that Parkbridge has
requested. Simply go ahead.
3. They will add Parkbridge as a named
insured but will not accept the requirement
that they are responsible to inform
Parkbridge if you change or cancel your
policy. This is in part due to privacy laws
and part policy. The following paragraph
expands on this.
The Association has raised this problem with
Parkbridge as insurance companies consider
Parkbridge’s wording about this to be
ambiguous and therefore assume the worst
case. The response from our Regional Manager
was that “my understanding” is that the
wording means that it is the responsibility
of the resident to inform Parkbridge, not
that of the insurer. We assume Parkbridge
will honour this statement if this is the
case with your company.
4. They will not add Parkbridge as a named
insured but will offer a “rider” providing
Parkbridge with limited coverage. This
includes an increased premium for the
Contact Parkbridge immediately to discuss.
If I do it will my premiums go up?
This will depend on the company. Except as
noted in #4 above, those we have spoken to
say they will not but there will probably be
an administration fee.
If I have to change companies will my
premiums go up?
This will depend on the new company but if
your current insurer offers loyalty
discounts this may well be the case.
don’t have insurance - what do I do?
Unfortunately you will be in the same
position as someone who has insurance but
decides not to agree to what Parkbridge
requests. You will have to decide whether or
not to get insurance.
So what do I do now?
First, if you have not already done so,
contact your insurance company to find out
what they are prepared to do. This assumes
of course that you are willing to go ahead.
You should provide them with a copy of all
of the Parkbridge documents. If they are
prepared to do either #2 or #3 as described
above then go ahead. Be aware that they may
not be able to provide a new certificate by
the September 14th deadline. For #1 and #4
above contact Parkbridge immediately.
Before the deadline provide Parkbridge with
the completed forms sent with the notice
plus a copy of your current [the new one if
you have it] insurance certificate. If it is
the case, attach a note saying that your
insurance company is working on a new
certificate and that you will provide it as
soon as it is available. We have been told
that some companies will work directly with
Parkbridge for this.
If you have any questions, problems or
doubts, Parkbridge ask you to contact the
Office so that they may work with you to get
the situation resolved. This is particularly
important if there is a possibility of
increased premiums as they may be able to
direct you to a company that can prevent or
reduce an increase.
If you have further questions, please
contact us by email at
firstname.lastname@example.org or call any
THE BOARD OF DIRECTORS