Tom William Natsues of Oakland, California | 1929 – 2016 | Obituary

All of us at Stanley M. Davis & Company Insurance Brokers will miss the smiling face of its past President, Tom Natsues


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Tom William Natsues
March 15, 1929 – July 24, 2016
Resident of Oakland, CA


Tom William Natsues passed away peacefully following a six year battle with cancer on Sunday, July 24, 2016 surrounded by his loving family. Charismatic and full of life, Tom was an avid international outdoorsman whose love of horses, gardening, golf, fly fishing and hunting were extraordinary and reflected in the magnificent home he built for his family in 1954.

   Born in Fresno, CA, to William and Constantina Natsues, Tom is survived by his devoted wife of 62 years, Krisoula Singares Natsues, daughter Rhea Constance, son Leon-Athan (Molly Lethin); grandchildren Tabatha, Sophia, and Athan. He was predeceased by his brother Chris Natsues and sister Mary Natsues Senna.

   Tom’s family moved to Oakland, CA in 1941 where he later graduated from McClymonds High School excelling in athletics and earning letters in football, basketball and baseball. He attended San Francisco Junior College and served in the Armed Forces during the Korean War where he was in the second infantry division, 38th Regiment, “I” Company in the capacity of Master/Sargeant. In 2013, he received the certificate of appreciation, Veterans of Foreign Wars of the United States, as a Gold Circle Member.

   For over four decades Tom was an Executive and General Manager of the San Leandro base of the Stanley M. Davis Insurance Agency which operated in California, Nevada, and Oregon. Additionally, he served as an Executive Officer of the Stanley M. Davis organizations and retired in 1993.

    With a trio of horses always occupying the stables on his property, his devotion didn’t end there. He was Past President of the Metropolitan Horsemen’s Association whose one of many purposes was to work with the East Bay Regional Park Department to preserve and maintain the horse trails in the area as well as lighting at the Sequoia Arena. He was also instrumental in conducting the first Oakland East Bay Regional Park Trail Ride, sanctioned by the North American Trail Rider Conference where he held the position of President and attracted riders from as far away as Montana. Monies raised from these rides went to the East Bay Chapter of the National Cystic Fibrosis Research Foundation.

  He served as Chairman of the House Committee at Sequoyah Country Club in Oakland as well as assisted with its landscaping. He was a Mason with Oakland’s Yerba Buena Lodge and served on the Building Committee at the Greek Orthodox Cathedral of the Ascension in the Oakland hills overseeing its landscaping project as well. For his devoted service, he received Archdiocese’s distinguished Medal of Saint Paul.

   Funeral services will be held Thursday, July 28 at 11 a.m. at the Greek Orthodox Cathedral of the Ascension, 4700 Lincoln Ave., Oakland CA 94602. Interment will be private.  In lieu of flowers, donations in his memory can be made to Ascension Landscaping/Greek Orthodox Cathedral, or the organization of your choice. For further information please call:  Harry W. Greer, Funeral Director (FDR-745)


A condominium unit-owner usually has her own insurance policy that covers her for loss of her personal belongings, parts of the building that the condominium agreement makes her responsible for insuring, the additional cost of living elsewhere after a fire damages her unit, and her legal liability for injuries or damages suffered by others. In turn, the condominium association has its own policy, which may cause some unit-owners to wonder why they have to buy separate insurance. Doesn’t the association’s insurance cover the same things that her policy does? Depending on the property at issue, the answer is maybe yes and maybe no. Insurance companies designed the two types of policies to complement each other in some cases and to overlap in others. Here are five things unit-owners should know about their associations’ insurance.

The association’s policy covers the building. Depending on the wording in the contract between the association and the unit-owner, the word “building” may mean several different things. If the contract requires the association to insure them, “building” can include fixtures, improvements and alterations that are part of the building and that are within a unit. For example, if a unit-owner installs new track lighting or an attached island in the kitchen, the association’s insurance would cover the cost of repairing or replacing them after a loss. Also if the contract requires, the association’s insurance will cover various appliances such as refrigerators, stoves and dishwashers.

The association’s policy covers personal property “owned indivisibly by all unit-owners.” Furniture in the building’s lobby, hand carts and other moving devices, and exercise equipment in an exercise room available to all residents are examples of the types of property that the association’s policy insures.

The association’s policy does not cover the unit-owner’s personal property. A unit-owner must buy her own insurance to cover her furniture, electronics, clothing and other belongings. Assume, for example, that the condominium contract requires the association to insure appliances. If fire damages a unit-owner’s space, the association’s insurance will cover the refrigerator but not the sofa. The unit-owner’s policy will cover the sofa. The association’s policy also does not cover an individual unit-owner’s legal liability for injuries or damages suffered by others. The unit-owner needs her own insurance to provide for her legal defense and to pay any judgments.

It is possible that both policies may apply to the same item of property. In the above example, both the association’s and unit-owner’s policies may cover the refrigerator. In that situation, the association’s policy will apply first; if it does not completely pay for the repair or replacement, the unit-owner’s policy will cover the balance. For example, if the cost of replacing the refrigerator is $5,000, and for some reason the association’s policy covers only $4,000, the unit-owner’s policy will pay the other $1,000 (the example doesn’t include deductibles that may apply.)

The association’s insurance company will not try to get its money back from a unit-owner. Suppose a unit-owner left a candle burning overnight and the unwatched candle caused a fire that damaged part of the building. Many types of insurance policies would allow the insurance company to pay its customer for the damage, then try to recover its payment from the person who caused the damage. However, a condominium association policy specifically states that the company waives its right to recover from a unit-owner. It still has the right to seek recovery from a person who is not a unit-owner and is responsible for the damage.

While comprehensive, the association’s policy is no substitute for a unit-owner’s own insurance. Unit-owners should work with professional insurance agents to ensure that they have the proper coverage.