Author Archives: Bob Hogg

About Bob Hogg



President Gary Tucker has asked me to post the following letter regarding owners’ loss of use coverage (or lack thereof). He has been getting many communications from owners, as have I, questioning whether we have to pay our maintenance fees if we cannot use our units.

Click Here to see the letter.


My apologies for the lack of new posts recently. Our website was down from the middle of December until the beginning of this month. Hopefully, we are back for good. I have had several owners write me to find out what is going on and to ask if they will be able to use their weeks this year at the Hawks Nest.

I have answered them, and am now posting much of the same information here. Some of what I have to say will be repetitive, but it will bring those who have not heard anything before up to date.

If you haven’t registered on the official Hawks Nest website,, you can do that. Whether or not they are able to register new users at the present time, I don’t know, but that’s where official information goes when they have it, when their computer and internet situation permits. Our president, Gary Tucker, has been working very hard on all of this, and he may have more up-to-date information. His telephone number is: 859-638-3871.

As I understand it, the damage has been as follows:

1. The grounds suffered considerable wind and water damage. Trees were blown down, several tikis were destroyed, both of the docks and the davits for the boats were destroyed.

2. It appears that the pool and hot tub were damaged beyond repair, as was the fire pump, which is intended to pump water from the pool into the sprinkler system in the event of a fire. This is a very important item, since no one can occupy the building without a working fire pump. I’m told that the new one will take about 4 months to be designed and installed, and I am told that the process is underway.

3. Three apartments, 301, 507, and the manager’s apartment suffered water damage from the storm, and need renovation, and there was relatively minor damage to the exterior of the building.

4. Since the county would not let anyone go back down into the Keys for the better part of a week, and with the building sealed up with no electricity or air conditioning, many of those units that were not initially affected, suffered a large amount of mold damage. We had to remove approximately 10,000 square feet of drywall, dry out the building and remediate the mold to prevent further damage.

5. The biggest contributors to the delay, however, have been our insurance companies. They have been obstructing us and delaying things since the beginning. We are told that other than work to prevent further damage (drying out the building, etc.), we cannot do any work to put things back together without their say-so, and they’re not giving it so far. We have hired a firm to represent us with the insurance companies, the same one we hired after the 2005 hurricane, and which got us a million dollars. This time we will need much more, I’m afraid.

6. The last thing I heard regarding reopening was the middle of May at the earliest.

Here is a letter from that firm which gives a very good explanation of what we have to do to avoid losing our rights to insurance money.

What I hope is that everyone, including the officers, board, management, owners, and most importantly the insurance companies, keeps uppermost in their minds is that for EVERY SINGLE DAY that we are delayed, owners of the Hawks Nest lose $2,800 in maintenance fees paid for time that they cannot use. That’s $336,000 and counting, as of today. That is money that we will never get back. There is no insurance to cover that.

Click the following links to earlier posts with more information and some photos: 11/9/17; 10/10/17; 10/1/17; 9/20/17; 9/17/17; 9/14/17.


General Manager, Gary Rumberger posted the following on the Hawks Nest website this morning, and he as given me permission to repost it here:

Just a quick update on the progress of the Hawks nest. Servpro has finished their work of removing the damaged drywall and carpeting. They have dried out the building using industrial heater/dehumidifiers and have stabilized the units. They had to remove a substantial amount of drywall from the building. It is going to take 220 4×12 sheets of drywall to replace what has been removed. The roof areas have been repaired with new wood and also been waterproofed back in to protect from further damage. Now for the bad news. Gary Tucker had a conversation yesterday with our public insurance adjuster and he was informed we can’t begin the repairs on these areas until they give us the go ahead. They also told him the insurance company as long as 60 days to come and reinspect the building now that much more areas have been exposed.Gary then asked them to send us a letter that we can show to the owners to outline the steps and the timeline that we need to follow. I will post it here when we we receive it. We are still getting bids on the repairs that we need so that when they give us the go ahead we can pull the trigger on getting this place back up and running. There is no possible way we are going to be open by February first. I think it is a safe bet to say that I would not make any plans through at least April. I wish I could give you a definitive date, but at this time that is not possible. We lost the phone system during the hurricane and are working on getting a new one. Email is the best way to contact us. It may take a day or two to hear back because of the constant interruptions of service. Comcast was here yesterday and told us to expect that for probably six more months while they replace the enormous amount of damaged equipment.

Best regards,

Gary Rumberger

Most of this is not good news, but it isn’t entirely unexpected either. Gary Tucker warned us in his last update a month ago today that we were going to be held up until inspections were completed by the insurance company.

I also spoke with Gary R. this morning before I had seen his post, and he told me all of that and more.

Work has been carried out inside and outside. I have attached some photos that were sent to me by an owner that she took last Saturday, the 4th of November. They don’t show a lot of progress outside, but do show some cleaning up of rubble, etc., but the pool, hot tub and docks are still trashed. Not visible is work done on the roofs over the balconies.

Much more has been done inside, mainly drying everything out, and removal of damaged and moldy drywall and/or carpeting. Also, very importantly, the erosion behind the seawall has been backfilled.

Gary also told me that progress is being made in replacing the fire pump. Without that, the Hawks Nest cannot reopen regardless of the condition of the rest of the building.

We need to be on the phone with the insurance company every day if necessary hounding them to get our inspections done so we can get moving in earnest. The squeaky wheel gets the grease.