I always look forward to this time of year, and believe it or not, it starts with Halloween. While each season brings us something different, I think the joy and anticipation of the holidays make this time of the year a little more special. It all begins with the fun on that ghoulish Halloween evening where we enjoy watching kids dress up as their favorite characters, filling their bags with candy as they “trick or treat” their way around the neighborhood. I remember those days dressing up in costume myself, coming home with enough candy to feed a small country, much to my dentist’s delight. As I’ve grown older, that exuberance has evolved into a satisfaction I see in others having on this fun-filled evening.
A few weeks later, we go from ghosts and goblins to pilgrims and turkeys. We welcome a season of thanksgiving and seem to rekindle more vital compassion for others. It is a time of year when our greatest joy comes from giving more than receiving. We seem to find inner peace in decorating our homes and listening to the season’s music, pausing to cherish each moment.
While I’ve always wanted to savor each holiday to its fullest, like many, we were ready to usher in the holidays earlier this year so we could inject a little joy into our lives after the devastating effects of Hurricane Ian. While I think most of us experienced less impact from this storm than we did from Hurricane Charley 18 years ago, it does make you stop and take stock of what is essential in life.
I recently had the opportunity again to be part of a unique team of volunteers assembled by Punta Gorda Police Officer Joe Angelini that hosted 51 foster families and 144 foster children to a holiday luncheon. This touching holiday event started seven years ago, a year after Joe became a resource officer at Sally Jones Elementary School. Always having had a special place in his heart for children, Joe recounts how the school principal asked him if he would take a little first-grade boy named Lucas under his wing. Joe agreed that the department would put him back patrolling the streets the following year, which was part of his service to the community he enjoyed. Little did Joe know the impact this child would have on him.
At the principal’s request, she asked if Joe would make time to have lunch with this young boy to build a bond and see if he could find out the cause of Lucas’ deviant behavior. Joe said at first he was puzzled why a child this age would exhibit such an incidence of this kind of behavior, but as Lucas opened up to Joe, he shared how he had bounced back in forth between 10 foster homes in Lee in Charlotte Counties in one year. It was then Joe realized this boy needed more stability and a bit of a father figure and confidant. Joe started to take Lucas off campus to places like McDonald’s, where he could experience some of the pleasures children in a more normalized home setting enjoyed. Through their time together, Joe gained an intimate insight into how children in Lucas’ situation were starving for a permanent place they could call home.
While we reminisced what it was like growing up and coming down Christmas morning to see the brightly colored presents Santa brought us the night before, Joe felt an emotional tug at his heart. He saw how the holidays often accentuated the transient hand these children were dealt. Despite the best efforts, these foster families were trying to provide the love and stability the children lacked. Joe felt these families and children needed more than a holiday lunch. They needed something where memories were made. He met with Pastor Tim Buck of First Methodist Church in Punta Gorda, now New Life Church, along with various community leaders and restauranteurs, and the groundwork was established. Hearing what Joe was planning, an elderly lady in the community anonymously provided presents for each one of the children. Joe confided, “She provided, and the Christmas Elves wrapped.”
Hearing of Joe’s love for these children, the Children’s Network of Florida has reached out to Joe with children and families in desperate need of holiday cheer that will carry them throughout the New Year. Joe told them, “If you know of a child in need, share that with us, and we’ll make sure their Christmas is a bit more special.”
Over these seven years, this 14-year Veteran of the Punta Gorda Police force has created an event to remember. The buffet-style luncheon is more like a feast with fresh roasted turkey and enough side dishes and desserts to feed an army. The food is delivered to the homeless shelter if anything is left over. After lunch, the children are treated to take part in a photo booth, a cookie decorating station, and one where they can create their ice cream sundaes. Of course, what holiday event would be complete without a personal visit and picture with Santa? Local musicians play holiday music throughout the event in the background, along with various festive decorations and lighted Christmas trees. It is a beautiful setting to behold. However, the best is yet to come.
Upon leaving, each child receives 3-4 personal gifts to take home, and the foster parents receive a festive holiday bag with all the side dish staples and a gift certificate to Publix for a turkey that will feed up to a family of twelve for a beautiful Christmas dinner.
I’ve often wondered what gives us the most satisfaction in life and as I’ve grown older it isn’t the presents I’ve received, it is the joy of giving, and the look of surprise on someone’s face that gives me the most pleasure. As I walked around the sea of tables, clearing them so the church could set up for their service the following morning, a couple of the children asked if they could clear the tables with me. To see these little ones that weren’t more than ten years of age wearing adult disposable gloves and clearing the tables with me spoke volumes about how grateful they were. They had no idea how much they touched my heart.
As Joe and I sat together recapping the day’s events, he said, “Gary, I think about this event every day of the year and how we can make it better and touch the lives of more families and children.” I thought, “You didn’t just make their lives better; you made mine better as well.” I was given the opportunity to give, and to me, that was priceless.
As the holidays quickly approach, we want to send our best wishes to you and your family for all the happiness this season brings, and that not only will you be blessed in the New Year, but so will the lives of others whose lives you touch.
-Gary Cardillo
It seems like yesterday when Hurricane Charley came ashore and devastated our area. Call it complacency or just lack of experience, but I haven’t come across anyone who thought that storm was going to take a right-hand turn into Charlotte Harbor and create the devastating damage that it did. Perhaps it was due to having a Governor whose brother was the President of the United States at the time, but the speed at which our area was back on its feet was miraculous, and one that was well-documented in the media. The community came together and with the help of a master planner, our city came back better and stronger than anyone could have imagined. What struck me most was the heartfelt compassion so many had who came to our rescue. Those who tried to gouge, or take advantage of us were quickly dealt with, while others came from all over the country to lend their support.
Our friend and insurance agent was Bill Martin, who owned the State Farm Agency in Punta Gorda at the time. I remember seeing him manning the makeshift State Farm command center that was set up in the Publix Shopping center parking lot in Port Charlotte. People were searching for answers on what to do, still somewhat in shock from the devastation that came upon us almost without warning. Watching Bill handle each person with such style and grace was like having your security blanket. You couldn’t help but feel his sincerity that we would get through this together. For us, it was a seamless transition, as the field adjuster who came to our home was equally caring and conveyed that same feeling that we would be well taken care of, and we were.
Most would agree, Hurricane Charley, inflicted more damage to our area than Hurricane Ian. Perhaps it is due to newer building codes or after going through one hurricane we protected our homes and businesses much better, but overall I think for the exception of some, most fared a bit better. Having dodged a bullet of sorts, I felt based on our past claim experience with Charley, this would be handled with the same compassion. Unfortunately, Bill had retired and the field adjuster we had this time had an agenda. It was very apparent from the outset his goal was to help us as little as possible in recovering from the loss we incurred.
Having been a Realtor for 18 years, we’ve helped many clients over those years navigate inspection reports and repairs so they can enjoy a smooth closing. We’ve learned a great deal from inspectors and contractors alike, and the difference between a repair and replacement. So you can imagine my frustration when our insurance field adjuster went on our 18-year-old roof and after surveying all the broken tiles said, “This can be repaired.” When I asked him about all the loose tiles he missed he replied, “Let me know if you see anything and I’ll add it to my report.” Anyone who knows me, knows I don’t like heights. Unless my roof was the height of my dining room table I wasn’t going to climb my roof to point out all the tiles he missed….thus began my “Art of War.”
How do you know which roofer is being honest with you and not just looking to gouge the insurance company, when all you need is a repair? What about all the other damage to your pool cage or other items that were destroyed? It starts with having a good insurance broker who can guide you through the claims process. Then if you aren’t fortunate enough to get an adjuster who is keeping your best interests in mind, you have to get as many opinions and references as possible before signing anything. Whatever you do, don’t sign over your benefits, otherwise known as A.O.B., and not to be confused with New York Congresswoman A.O.C.
A.O.B. is the acronym for “Assignment Of Benefits” and some people have unwittingly fallen victim to signing these over to a third party, who can be a roofing contractor or someone claiming to be working in your best interests. For those of you unfamiliar with the process, by signing over your claim benefits you are now on the outside looking in as all decisions and reimbursements will be going to the third party. You are no longer in control of your insurance benefits or reimbursements. In Florida, you do have a 14-day rescission period in which to cancel that agreement, but it is best to seek the advice of an attorney or your insurance broker before signing anything. Some people will automatically engage the services of a public adjuster to fight their battles. I look at this as more the last option than my first. Public adjusters on average will make ten percent of the total claim. If the insurance company doesn’t reimburse you enough to cover their “commission” you are on the hook. If you have a deductible of $5,000-10,000 and you have $60,000-100,000 in damages, and the insurance company is only looking to cover the cost for damages and nothing more, you could be out of pocket another $6,000-10,000 on top of your deductible. Another thing to consider is the contract you are signing with a roofer. Are you bound to them regardless of whether they get enough money to complete your roof repair or replacement, or are you responsible to make up the difference? Questions you need to ask aside from getting a quote and an estimated time of completion to complete the job are 1. Is there a cancellation period in the contract should I decide to terminate this agreement? 2. Am I bound to you if the insurance company is unwilling to agree to your estimate?
While I’ve been sharing my experience with a roofer and an insurance company that seems more concerned with their interests than helping us through this time, there is a reason many of you may be experiencing what we are. Ask any insurance broker how many questionable claims for new roofs were submitted years after Hurricane Irma impacted Florida. They’ve shared with us the weather-related causes we just didn’t experience, but that it was cheaper to pay the claim than battle in court. As a result, insurance companies are now insuring roofs for less time than the projected lifespan from the manufacturer. On average, an insurance company will insure a shingle roof for 10-15 years, a tile roof for 20-25 years, and a metal roof for 25-30 years before requiring you to replace it to continue coverage. The question becomes, “Is the insurance company looking to “repair” when you need a replacement, knowing in a few short years you’ll need to incur the cost of replacement yourself?” The important thing to keep in mind is to get several estimates from respectable contractors who have good reviews and standing with the Better Business Bureau. For those living in the general area, you can always reach out to the Charlotte Desoto Building Industry Association otherwise known as the CDBIA. They are comprised of local contractors, lenders, and related trades and services that can give you guidance and resources when needed. While none of us want to wait for a prolonged period to get our homes put back together, don’t feel pressured to sign a contract until you’ve thoroughly researched the company and the contract. Our understanding is you have up to a year to file a claim, but check with your insurance broker to verify the details of your policy.
In 1987 Donald Trump co-penned a book with journalist Tony Schwartz entitled “The Art of the Deal.” While there is some discrepancy as to how much Trump contributed to the book, it was supposed to be part memoir, part business advice. Being from New York, Trump’s name seemed to be on everything from billboards advertising his commercial projects throughout the city and around the country, to his ownership of a fleet of commercial aircraft called “Trump Shuttle.” So who wouldn’t want to read this book and find some nugget of advice on how to negotiate, as he always seemed to come out on the winning end of the deal. As I learned later in life from people who had transactions with him The Marquees of Queensbury Rules did not apply. 
Hurricane Charley took all of us by surprise, as many, including myself, were breathing an early sigh of relief as we watched reports that Charley had his eye on making landfall in the Tampa area. When he decided the waters of Charlotte Harbor looked too good to pass up we learned a very hard lesson in disaster preparedness. One would think with a lesson like that, we’d be able to take things a bit more in stride and plan well in advance without the panic buying of gas and water we are currently seeing. And don’t think we haven’t experienced this in the real estate market as well. Why do we jump into this hoarding for ourselves mentality? My thought has been, “Unless we just increased our population two or three-fold, shouldn’t our normal buying practices be able to carry us through without taking more than we need and leaving very little for others?” When the pandemic hit everyone purchased paper towels, hand sanitizer, and toilet paper. I thought, “Has everyone become a doctor where shelves were stripped bare of hand sanitizers, masks, and latex gloves?” Nothing was left for doctors and those in poor health. Some physicians I knew said they were forced to limit their interactions with patients since supplies were being bought in excess by the general population. And what about all the toilet paper? I’ve had a bad meal, but I never felt I would run that short that I needed to have the store manager deliver it to my car on a forklift! I guess I look at the big picture and think, somehow we managed to survive these challenges and with a little planning we can take what we need, leave plenty for others, and feel less stressed since this isn’t our first rodeo.
My wife then pointed out to me how men and women think completely differently, and I thought, “Perhaps that explains the panic buying.” She pointed out, “Many women worry about the “what if’s,” while men say, “I’ll worry about it when it’s on fire.” I thought she was on to something when the year after Hurricane Charley it looked like we might encounter the effects of another hurricane. Being the cool, calm, and collected husband I think I am, I suggested on the day she was shopping with her friend that they pick up the staple items needed in case we get impacted once again. Upon her return, I asked if she got everything only to have her tell me “Staples was running a sale on back-to-school merchandise and I was able to pick up all of our son’s school supplies.” I looked at her as if we were speaking two different languages and said, “Am I to assume if we get hit by the storm we’ll be eating Crayola crayons?” With a look only a wife could give, she replied, “What are you worried about, nothing’s going to happen?” Weren’t those the same words mentioned on the Titanic’s maiden voyage? I had to wonder if somehow during the night our roles were reversed! My years of preparedness training through Boy Scouts and as a former lifeguard suddenly were being called into question. I’m usually the one keeping things calm and now I feel like I’m riding in the back seat. Perhaps she was right. Maybe even with the little we needed, it will most likely be more than we need, and there will be plenty to go around for others.
I know it is often said, “One of the most difficult things to do in life is to wait when you feel like you need to do so much.” The other thing I’ve learned with each passing year is that “God always provides in one way or another, and we often don’t need as much as we think.” I guess I have to be thankful for a wife who felt there was little need for concern. I just hope I don’t have to hear the smoke detector go off for her to spring into action!
I always thought of myself as a real summer kid. Growing up in New York I was willing to sacrifice all the other months just to get to the summer season that started with Memorial Day and ended on Labor Day. That’s when I felt the most alive, and it was almost like watching life through a black and white t.v. that just transitioned to color. While my father claimed his favorite time of year was the fall, he would often say, “If you took out January, February, and March you would have perfect weather.” With a puzzled look on my face, I would reply, “You just cut out a quarter of the year like it was nothing.” Then I thought to myself, “I was willing to give up three quarters of the year just to get to my favorite 3 months.” I had to ask myself, “Which of the two of us was really nuts?”
Don’t get me wrong, we had lots of great activities and music that occurred throughout the year, but the fun we had, and the music that played throughout the summer was something very special. I bet my “championship” music trivia teammates, Greg and Toni White would agree “The Twist” by Chubby Checker, “Summer In the City” by The Lovin Spoonful, and the Beach Boys, “California Girls” never sounded better than in the summer months. I’ll even add Sly and The Family Stone’s “Hot Fun in the Summer Time” and what kid wouldn’t feel his summer was just starting when listening to Alice Cooper’s “Schools Out?” It didn’t matter the era you grew up in, the music never sounded better than it did in the summer, especially if the windows in your car were rolled down or you were driving in a convertible on your way to the beach!
When I was young the summer seemed to last a lot longer than it does now. Maybe it was our carefree attitudes where we crammed lots of activities into one day. We swam, water skied, and had endless games of Frisbee and flashlight tag, and those beach parties were second to none. Perhaps it’s me, but did this summer seem to be missing a month? Friends of mine up north are already dreading the end of summer. Stores have already put out their fall and early winter merchandise, and soon they will be experiencing “Tumbleweed Tuesday,” which is the day after Labor Day when it seems like summer came to a sudden stop and the merchants are desperately looking for those last customers seeking to stretch their summer vacation out a few more days. While my northern friends are starting to mourn the passing of summer, those of us living here feel like our summer with its fun activities is soon to get started. Think about it.
When we were under travel restrictions from Covid, many flocked to Florida in an attempt to move to a more desirable climate and lifestyle. Instead of people returning north for the summer they remained here with us. We may have social distanced, but we got creative and put together impromptu potluck dinners on our streets, and figured out how to enjoy each other’s company….from a distance of course. It was as if summer gained a few extra months. Then as life returned to normal many of our friends and neighbors resumed their trek north for the summer where the season was just kicking off, and we settled into the more quiet days of summer, which wasn’t such a bad alternative considering all our area has to offer. With boating, beaches, golf, tennis, pickleball, entertainment venues, waterfront shops, and restaurants why would anyone want to leave? Isn’t this what people are going north to enjoy and from what I hear, it was just as hot up there this summer! With even more activities planned by our local Chambers of Commerce, Country Clubs, and Charitable Organizations in the upcoming months, it seems like our summer may just be going into its second phase as there are a host of activities and events I’m looking forward to enjoying.
As for those who are returning now that summer is in their rearview mirror, I’m sure my music trivia teammates Greg and Toni could put together a playlist for you that would include “See you in September.” The great news is our summer is not over, and as a kid at heart who loves the excitement of summer, I couldn’t be happier.
While most people would like to talk about themselves, Gary and Gail have always put their clients first, and their diverse backgrounds have provided their clients an unparalleled level of service and knowledge throughout the past years.