CRBRA 2020 year-end magazine

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RESIDENTIAL

BUILDING A R O U N D T H E C A P I TA L R E G I O N

T H E O F F I C I A L M A G A Z I N E O F T H E C A P I TA L R E G I O N B U I L D E R S & R E M O D E L E R S A S S O C I AT I O N

President’s Message PAGE 5

Capital Region Homes on Demand TV special

CRBRA’S COVID-19 RESPONSE

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PAGE 12

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RESIDENTIAL

BUILDING A R O U N D T H E C A P I TA L R E G I O N

CONTENTS

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7 12 16 17

A message from PRESIDENT GREGG BICHÉ

Executive Board

From the EXECUTIVE OFFICER’S DESK

Paul Pipino, Pipino Builders

Feature: CAPITAL REGION HOMES ON DEMAND A timeline of CRBRA’s COVID-19 RESPONSE WELCOME new members A message from NYSBA PRESIDENT SCOTT SNYDER

Editor & Layout Kristen Egelston Executive Officer

Published for Capital Region Builders & Remodelers Association 10 Old Plank Rd, Clifton Park, NY 12065

Contact CRBRA 518.579.0066 CRBRA.com

Advertisers Bellevue Builders Supply Builders Installed Products Erie Materials Royal Building Products Siewert Equipment TrusJoist

Printed by Camelot Print & Copy Centers

Gregg Biché, Quality PM PRESIDENT

PRESIDENT-ELECT

Michele Brown, Belmonte Builders VICE PRESIDENT

Billy DeOrazio, Bellevue Builders Supply ASSOCIATE VICE PRESIDENT

Moe Abele, Abele Homes SECRETARY

Steven Stiansen, TPL Flooring TREASURER

Ken Sherman, HIG Construction IMMEDIATE PAST PRESIDENT

Board of Directors

Greg Galla, Teal, Becker & Chiaramonte, CPAs Andrew Gutman, Bennett Contracting Jason Hover, Esq., Hover & Mackowski, PLLC Rich Keating, Curtis Lumber Erik Kohler, Erik Kohler Homes Brandon Marini, Marini Homes Luke Michaels, Michaels Group Homes Nick Otterbeck, Otterbeck Builders Christine Raible, Best Tile Karen Redick, Redbud Development Adam Zima, Capitol District Supply

Please note: Editorial and contents of this magazine reflect the records of the Capital Region Builders & Remodelers Association. CRBRA staff has done their best to provide useful and accurate information, but please take into account that some information does change. Camelot Print & Copy Centers, publishers and CRBRA take no responsibility for the accuracy of the information printed, inadvertent omissions, printing errors, nor do they endorse products and services. CRBRA takes no responsibility regarding representations or warranties concerning the content of advertisements of products/services for a particular use, including all information, graphics, copyrighted materials, and assertions included in said advertisements. The reader is advised to independently check all information before basing decisions on such information.

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A MESSAGE FROM PRESIDENT GREGG BICHÉ The past 12 months were not what any of us expected. I remember creating my agenda for the year, carefully laying it out on a timeline to be sure I could make it all happen. Parade of Homes, committee meetings, community involvement, Lobby Day, golf outings and the Best in Building Awards were just a few of the events I looked forward to as President. Well, as we all know now, things changed, and they changed quickly. There are a lot of negatives that we could all look back on in 2020, but I’d like to write about the positives that came out of this very odd year. The first thing that comes to mind is that we as an Association were able to really prove our value this year and demonstrate that we are here to support the building and remodeling industry. There were many times this spring that I would answer phone calls from new and seasoned veterans in the business to discuss their situations both professional and many times personal. It was very clear to me that we were all caught off guard, scared at times and having a difficult time navigating the ever-changing regulations that were coming at us daily. CRBRA leadership recognized the opportunity to step up and do all we could to interpret the regulations and inform our membership of exactly what they needed to do to continue operating in a safe and legal manner. We also made contact sometimes daily with local and state elected officials to lobby for the rights of our industry. I’m proud to say that on more than one occasion we would see that these same officials used our provided information to work with their colleagues in efforts to keep construction essential. We also opened the lines of communications with building departments across the Capital Region to make sure we all understood how each municipality was handling permits and inspection. This helped to keep projects moving forward. In anticipation of the eventual reopening, I appointed a task force devoted to creating safety protocols and materials for member use.

“The way this association

Next came the game of “let’s plan for the worst and hope for the best” with our upcoming handled adjusting to these events. Once again, we all know that we ultimately had to cancel almost all of our scheduled events. What we did not do was throw our hands up and say, “well we tried.” We realized the changes is something we world around us was changing due to COVID-19 and we knew we had to learn to deal with these changes and adjust how we do business, or we will be left behind. The way this association can all be proud of.” handled adjusting to these changes is something we can all be proud of. We were able to switch gears several times to develop new ideas. Take the Parade of Homes as an example, we knew this staple event for CRBRA could not happen this year, so we created Homes on Demand. The television production showcased our members projects and provided a new way for consumers to meet our members. As I stated in January, being part of this association is something that has helped me develop in many ways, including as a business leader. Whether you’ve been around for 30 years or you’re just starting out, I encourage anyone in the building and remodeling industry to get involved with CRBRA. You’ll be glad you did. In the end, I would not change the experience of being CRBRA President this year. It has allowed to me to learn and grow in several ways and meet many new people. One thing is for sure, I could not have done it without the support of our membership, our staff and the guidance from our Board members. I want to thank Kristen Egelston, our Executive Officer, for all her efforts this year to keep us moving forward. She has once again proven we selected the best person for the position. I’d also like to give a special thank you to Vice President Michele Brown who is retiring at the end of 2020. Michele has played a key role in leading the association for several years. Michele: your never-ending ideas, industry knowledge and desire to help others succeed will be greatly missed in our board room. I once again thank you all for your support this past year. I am honored to have had the opportunity to lead this great association and am forever grateful for this experience. I hope we are able to connect in person at events again soon. Happy holidays.

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FROM THE EXECUTIVE OFFICER’S DESK KRISTEN EGELSTON In preparing to write this column, I looked back at what I wrote in the January issue. The first sentence read “2020 is off to a great start at CRBRA!” It really was. We had a great Installation Celebration and fun Trivia Night. President Gregg Biché and I had an expansive list of goals for the year and tasks we wanted to check off our CRBRA to-do lists. The bathroom renovation at CRBRA HQ was nearly complete, we were in the process of migrating to a new membership database, a new website was in development and a new logo was in the works. The Parade of Homes Committee had also been planning the June event for months and had a record 18 houses registered to participate. PWB and FIL had a year’s worth of really fun events scheduled. Then, COVID. Within a matter of days, all in-person events were postponed. We honestly thought it was a temporary setback and within a few weeks we could start rescheduling. A major priority became supporting members navigate the pandemic. (more on that on page 12) As far as the Parade of Homes was concerned, we kept planning with the hope of being able to have it in June – then July – then August… Behind the scenes, we were also devising a plan B. What could we do safely to promote builders, remodelers and associate members? With a lot of brainstorming, strategizing and support, the Capital Region Homes on Demand TV special was born! The interest we received from builders was remarkable and we quickly sold out of spots for this brand-new special (talk about the pressure being on!) From there, DeeDee worked her magic securing sponsors. We were fortunate to secure Filmworks109 to produce the show and started shooting builder interviews in late July. The show ultimately aired on Saturday, September 26 – and 25 more times through October. The response to Capital Region Homes on Demand has been so great that we plan to do it again in 2021 and beyond.

“I think we were able to show you CRBRA’s value as a trusted resource in a crisis and strong advocate with local officials.”

My point giving all this backstory is that COVID-19 forced us to cancel the Parade of Homes. Not only did this disappoint participants, it also left a gaping hole in CRBRA’s annual budget. We took this as an opportunity to pivot. (Does anyone else hear Ross Gellar’s voice yelling “PIV-OT” when they hear this word?!) From a bad situation that was beyond our control, this association persevered creating a program that was so successful, we see it as a new annual event that we can offer in addition to the Parade of Homes. With the support of our sponsors, we were also able to generate the non-dues revenue needed for the association’s budget. I think it’s important to look for the silver linings. The creation of Capital Region Homes on Demand was a silver lining in this wild year. In a typical year, I think many of you would say that a top benefit of CRBRA membership is the opportunity to network. COVID halted that as a benefit we could offer you, but again, we pivoted. I think we were able to show you CRBRA’s value as a trusted resource in a crisis and strong advocate with local officials. To me, that’s a pretty special silver lining. My endless thanks to President Gregg Biché for leading CRBRA this year. You didn’t know it, but your skillset made you the exact right person for the (unpaid, volunteer) job this year. To our executive board, board of directors, committee members and staff, thank you for joining all those Zoom meetings and rising to the challenges this year presented. Finally, to Michele Brown, who is retiring at the end of the year: thank you for all you’ve done for CRBRA and this industry. You’re leaving it better than you found it. To say you will be missed is an understatement. Wishing everyone a safe, happy and healthy holiday season! CHEERS TO A NEW YEAR AHEAD!

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FEATURE

Televised production provides CRBRA members with new opportunities for connection and collaboration

T

he Capital Region Builders & Remodelers Association (CRBRA) is well known for hosting the annual Capital Region Parade of Homes. The self-guided tour of newly constructed homes highlights a variety of properties throughout the Capital Region, giving builders a unique chance to showcase their work to a large audience. After initially postponing this year’s event due to COVID-19 restrictions, it soon became clear that CRBRA had to switch gears and get creative.

In an effort to maintain some of the excitement usually generated by the Parade of Homes, the association set out to create a companion event, not to replace the Parade, but rather to fill in the gap and to provide an avenue for association members to exhibit their work. Kristen Egelston, Executive Officer, says the initial idea to produce a television program came from Jim Carpenter, Parade of Homes Chairperson, during a phone call last spring. After months of hard work and collaboration building on Jim’s initial idea and utilizing the production expertise of Filmworks109, Capital Region Homes on Demand, a new 30-minute television production was brought to life. “I felt very strongly that without the ability to have an in-person event to showcase the talents of our builder and remodeler members we needed to find new and exciting ways to get their projects noticed,” says Gregg Biché, 2020 CRBRA President, founder of Quality PM, Inc. “The final outcome of Homes on Demand did exactly that by allowing the public to be able to see some of our members completed projects from their own home.”

Sarah Ammerman Freelance Writer

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Airing locally more than 25 times in the fall of 2020, the production offered a peak inside a unique array of homes. In addition to that, the televised format gave viewers a chance to learn what inspires and motivates the builders and remodelers featured in the program. The participant interviews provided a more personal look at the process, craftsmanship and teamwork that goes into each and every project. Homes on Demand was unique in that it offered the opportunity for CRBRA’s remodeler members to participate alongside new construction builders.

Kevin Gutman, Bennett Contracting (Photo courtesy of Filmworks109)

Kevin R. Gutman, Owner & VP, Bennett Contracting, shares his thoughts on participating in this year’s event, saying, “There were two main reasons we felt compelled to participate in the Homes on Demand. Firstly, we wanted to support CRBRA. We fully understand that COVID has put a strain on

many organizations, and this was an opportunity for CRBRA to continue its work in lieu of the Parade of Homes. Secondly, we are always looking for ways to collaborate with others in the region to innovate, progress, and elevate our industry. This seemed like a creative and exciting way to debut the incredible work of so many contractors in our area.” The very reasonable cost to participate in Homes on Demand allowed for a wide range of participants, from high production builders to smaller custom outfits. The opportunity to support the builders/ remodelers and gain television exposure also generated excitement amongst associate members. Sponsorships were available at six different levels, ranging in cost from $500 to $4,500. Some of the benefits of sponsorship included: business names and logos featured during the production, as well as in social media posts, additionally, both 15 and 30-second commercials aired during the production, along with a variety of social media marketing, and televised commercials promoting the event. For a $2,500 investment, each builder/remodeler was featured in Homes on Demand when it aired more than 25 times in high-quality timeslots. Their participation was recognized on the Capital Region Homes on Demand Facebook and Instagram channels.

THANK YOU TO OUR PARTICIPANTS: ABELE HOMES AMEDORE HOMES BARBERA HOMES BELMONTE BUILDERS BENNETT CONTRACTING DEGRAFF-BLOOM CUSTOM BUILDERS FLATBROOK & CO. GODLEWSKI BUILDERS HERITAGE CUSTOM HOME BUILDERS MICHAELS GROUP HOMES 8 QUALITY PM TEAKWOOD BUILDERS

After the show premiered, each participant also received their professionally produced segment to use on their own website and social media pages going forward.


The social media campaign for Capital Region Homes on Demand ran on Facebook and Instagram. The content was image-heavy highlighting the participating builders/remodelers, recognizing sponsors, offering links to lifestyle articles about building and remodeling as well as promoting the association and its members as a whole. In the first month alone, the campaign garnered more than 230,000 impressions. Lindsey Belmonte, Vice President of Customer Relations, Belmonte Builders, noted that the new format provided an enjoyable change of pace for association members who were able to see themselves featured in Homes on Demand. Another notable advantage of the televised format of the program was that it allowed for a more diverse crop of homes to be highlighted.

Jim Sasko with the homeowner at the custom home featured in the Teakwood Builders segment of Capital Region Homes on Demand (Photo courtesy of Filmworks109)

“It gave us an opportunity to showcase a luxury home that we would not have entered into a Parade of Homes tour. Most homeowners that have invested in a luxury home are not open to the idea of allowing their home to be toured by the general public,” says Jim Sasko, President, Teakwood Builders. “Since this tour was completed by a camera crew and photographer, it gave the homeowners the security of maintaining their privacy.”

MISSED THE ORIGINAL AIRINGS? Capital Region Homes on Demand is available at CRBRA.com, CRBRA’s YouTube channel and at Facebook.com/crhomesondemand.

So far, the response to the televised production has been overwhelmingly positive. “I have received great responses from both current customers and prospects. Recently, I had a meeting with a client to review a project and they said they had watched Homes on Demand and it directed them to our website where they saw pictures of a completed addition,” says Biché. “They ended up hiring us to do their addition and modeled it after the pictures they saw.” Overall, Homes on Demand was a resounding success, and the process of creating and executing such a project proved to be both educational and beneficial for the Association. “Working on putting together Homes on Demand certainly helped me appreciate the collaboration we received from members of the association,” says Biché “We would not have been able to put this together without the different skill sets they all brought to the table.” Egelston goes on to say that Homes on Demand will likely become a staple for CRBRA, and is currently putting together a committee of about 10 forwardthinking members to work on the 2021 production. The committee will be chaired by Moe Abele, Abele Homes, a long-standing Parade of Homes committee member and participant in the first production. More details about participating as a featured builder/ remodeler and sponsorship opportunities will be made available in early 2021. CRBRA looks forward to producing the next installment of Homes on Demand this spring. “I’m thankful to the 12 builders and countless sponsors who trusted us enough to throw their hats in on our new venture,” says Egelston. “I’m thrilled with the final product and proud of how the association persevered in a trying year.”

Thank you to our sponsors who are recognized on the next page. 9 RESIDENTIAL BUILDING AROUND THE CAPITAL REGION


THANK YOU TO OUR GENEROUS SPONSORS: Platinum

Gold

Diamond

Silver

Bronze

Bellevue Builders Supply Builders Installed Products Redbud Development

Ballston Spa National Bank Busch Products | Cambria Hover & MacKowski, PLLC Homestead Funding Howard Hanna TrusJoist

Best Tile Marcella’s Appliance Owens Corning SHE Electric Siewert Equipment

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Copper Adirondack Trust Company AW Hamel Stair


VISIT THE NEW & IMPROVED

C RBRA .COM Designed with you in mind, the new CRBRA.com provides the content you've come to expect from your association with an inviting, visual-forward layout, responsive design and intuitive navigation. The top navigation with dropdown menus provides easy access to the searchable Member Directory, Event Calendar, member benefits, industry resources and more. Plus, the new Member Portal gives you the opportunity to better manage your membership by updating your profile information, paying open invoices, registering for events and more. Create a profile and login for the best CRBRA.com experience.

1. On your first visit, click "Member Login" to create your profile. 2. On the next screen (shown left), click on "Click here for login information" link and enter the email address where you receive CRBRA emails. 3. You'll receive an email with a link to set a password of your choosing. 4. Set your password and start exploring!

VI SIT CRBRA. CO M

RESIDENTIAL BUILDING TODAY ! AROUND THE CAPITAL REGION

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CRBRA’S COVID-19 RESPONSE C

OVID-19 hit the Capital Region in early March and altered 2020 like we never could’ve imagined. Masks became a part of our required attire in public and phrases like “social distancing” became a part of our regular vocabulary. There was so much unknown, and restrictions were changing daily.

As your local association, CRBRA felt it was our responsibility to be a trusted resource you could depend on to research, interpret and communicate the changes coming from Governor Cuomo’s office. In addition to acting as a resource for you, CRBRA was also proactively sharing best practices with local municipalities, leading grassroots advocacy efforts and creating safety materials in anticipation of an eventual reopening. Through it all, CRBRA unwaveringly supported you, the members we value so dearly, and the residential building industry.

TIMELINE OF EVENTS MARCH-MAY 2020

3/12

Positive tests reported in Capital Region

3/18

Gov. Cuomo announces 50-percent workfrom-home mandate for non-essential businesses

3/13

CRBRA postpones March events

3/14

Albany Co. declares State of Emergency

3/19

Schenectady Co. declares State of Emergency

Gov. Cuomo issues Executive Order 202.6 listing construction as an essential business

3/15

Staff starts working remotely

CRBRA’s Executive Board holds first virtual meeting

3/16

Saratoga Co. declares State of Emergency

3/17

CRBRA starts collecting local municipality permit and inspection procedures

3/18

COVID-19 resource page added to CRBRA.com NYS passes new Emergency Paid Medical Leave for COVID-19

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3/20

Gov. Cuomo announces 100-percent of non-essential businesses shutdown on-site work as of 8 p.m. on March 22 Empire State Development (ESD) releases new guidance for essential vs. nonessential causing confusion as it applies to construction Small Business Disaster Loans available


CRBRA felt it was our responsibility to be a trusted resource you could depend on to research, interpret and communicate the changes coming from Gov. Cuomo’s office. 3/21

Members donate PPE to local hospitals

3/22

Individual companies apply to be designated essential by ESD Non-essential business shutdown takes effect at 8 p.m.

3/27

President Trump signs the CARES Act

3/28

Local municipality has discretion to define what constitutes a “safe” job site

3/30

Gov. Cuomo issues Executive Order 202.13 authorizing ESD to determine which construction projects are essential and exempt from the in-person workforce prohibition

4/4

CRBRA launches letter writing campaign to local legislators to support making construction essential.

4/7

CRBRA Board of Directors meets virtually

4/9

ESD expands guidelines, but doesn’t clarify what makes a project “unsafe.”

4/16

Gov. Cuomo announces NYS will remain “on pause” until at least May 15

4/17

Mask mandate takes effect at 8 p.m.

4/23

President Gregg Biché appoints members to a Reopening Task Force to develop a safety protocols for member use

ESD releases new essential business language that only allows construction work to continue until it is safe to shutdown. Jobs can continue with a single person on-site at a time

4/2

CRBRA launches first letter writing campaign to ESD requesting Capital Region construction be deemed essential

4/3

ESD’s Capital Region Director contacts President Gregg Biché to discuss CRBRA’s position on construction as essential Payroll Protection Plan (PPP) funding application is made available

PPP LOAN AMOUNT = Avg. monthly payroll x 2.5

Thank you to our Reopening Task Force members: Gregg Biché, Quality PM; Michele Brown, Belmonte Builders; Rich Keating, Curtis Lumber; Luke Michaels, Michaels Group Homes; and Adam Zima, Capitol District Supply.

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CRBRA’S COVID-19 RESPONSE (cont’d) 4/25

Senate Republicans send Gov. Cuomo and ESD a letter using verbiage drawn from CRBRA’s letter writing campaign.

4/26

Construction is in phase one of Gov. Cuomo’s Reopening Plan.

5/1

CRBRA’s Reopening Task Force launches “Construction the Right Way” safety protocols for members to use if/when the Governor’s office requires said materials.

5/12

Capital Region hits six out of seven metrics required to reopen for Phase One

5/15

NY Forward releases new reopening information to be completed and affirmed by employers to reopen when NY PAUSE ends

5/17

CRBRA provides checklists of items to be completed and maintained to reopen.

5/19

President Gregg Biché appears on WTEN to talk about how prepared the residential building industry is to safely reopen

Special thanks to President Gregg Biché for his profound leadership throughout this challenging year.

5/20

5/5

Second virtual Board of Directors meeting

5/11

Gov. Cuomo appoints regional control rooms to monitor hospitalization and infection rates and businesses. CRBRA launches letter writing campaign to appointed members of the Capital Region’s control room.

CAPITAL REGION REOPENS AT MIDNIGHT!

In October, Gov. Cuomo introduced a new cluster action initiative to address COVID-19 hotspots by placing new rules and restrictions on areas that are identified as yellow, orange and red zones. Yellow zones are precautionary, orange zones are warning zones and red zones are the cluster itself. Once identified as a red zone, all nonessential business must cease. According to Empire State Development’s guidance at the time of printing*, reads as follows: “Construction projects may continue, but any work that can be done remotely such as office-based work must proceed remotely, to the extent practicable. Employees/personnel who are not directly involved in in-person work at the business location/construction site are prohibited.” Therefore, even if the Capital Region is identified as a red zone, in the field construction may continue. *Subject to change without notice.

Did you know...

CRBRA sent nearly 30 blast emails bet ween March 3 and May 20 to keep members informed about COVID-19? Our email open rate hit 73-percent! (The industry average is less than 20-percent.)

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OUR VALUE TO YOU CRBRA is the hub whereby the Capital Region's professional builder, remodeler and industryrelated associates prosper through:Â PARTICIPATING IN VALUABLE NETWORKING OPPORTUNITIES TO FORM AND GROW BUSINESS RELATIONSHIPS. LEARNING OPPORTUNITIES THAT EXPAND YOUR KNOWLEDGE AND KEEP YOU COMPETITIVE. GAINING ADVANCE NOTICE OF AND HAVING A ROLE IN DEVELOPMENT OF CODE AND INDUSTRY CHANGES. RECOGNIZING AND PROMOTING INDUSTRY TRENDS AND LEADERS. ADVOCATING FOR RESIDENTIAL BUILDING INTERESTS IN SEVEN COUNTIES TO SAFEGUARD THE INDUSTRY'S FUTURE.

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A MESSAGE FROM 2021 NYSBA PRESIDENT SCOTT SNYDER Hello I’m Scott Snyder, and I am very excited to be the 2021 President of the New York State Builders Association. I am a member of the Builders and Remodelers of Northern New York (BRANNY), as well as CRBRA. Snyders Drywall is a family-owned business that I started almost 40 years ago. We are proud of how our company has grown in that time, and know that being an active member of our home builders association has helped my business and our industry as a whole. As you know, being a member of CRBRA also makes you a member of NYSBA and the National Association of Home Builders (NAHB). That means that as a member, you have lobbyists working directly for you at the state and national level on issues that have an impact on your business’s bottom line. We have a dedicated team working on your behalf in Albany, consisting of Lew Dubuque (NYSBA’s Executive Vice President ), Bill Crowell (NYSBA’s outside counsel) and Mitch Pally (NYSBA’s Government Affairs Committee Chairman). Lew, Bill and Mitch have all spent many years working in the State Legislature and Governor’s Office, and have a true understanding of how Albany works. I fully understand that 2020 has been a very challenging year for everyone. The last year has taught me so much about this great association and our members. When residential construction was shut down last spring, it was inspiring to see how members, our local HBAs and the state association worked together to help keep everyone informed and engaged in the process of getting the residential construction industry back to work. That is why I am so committed to making NYSBA a more powerful force in Albany. This started with my determination to grow NYSBA’s BUILD-PAC which helps elect pro-housing, pro-business, candidates to the New York State Legislature. It is critical to our success in Albany. I had originally planned to host a fundraiser in Lake George last spring, but we had to change course after the Covid-19 pandemic started. So we began an online campaign late in the summer, and were able to raise over $20,000 for PAC. We followed that up by hosting a fundraiser for the Senate Majority in late September, which helped strengthen our relationship with Senate Majority Leader Andrea Stewart-Cousins and the rest of the Senate leadership. This in turn lead to a meeting with the Deputy Majority Leader earlier this week to go over NYSBA’s Legislative agenda for 2021. The centerpiece of that agenda is legislation that will assure that residential construction remains an essential business going forward. We are co-hosting another fundraiser for the Senate Majority in January, and have a very busy agenda for 2021. While we understand that we will probably not be able to have an actual in-person Lobby Day, we are working to put together a virtual one, where our members can meet with their legislators this May. I look forward to a time, hopefully next fall, when we can all get back together in person. Until then, I thank you all for your commitment to the Capital Region Builders & Remodelers Association and the residential construction industry as a whole.

Members Save Millions nahb.org/savings

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