2014 Baldwin County Parade of Homes

September

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McElmurry Homes is honored to present the Showcase Home for the 2014 Baldwin County Homebuilder’s Association Parade of Homes. This Southern-Transitional style home is situated on the lake in Rayne Plantation, Spanish Fort’s premiere upscale development, which features an impressive entrance, community clubhouse, outdoor kitchen, playground and sparkling swimming pool, for its residents to enjoy. This MUST SEE, 3722 square foot, 4 bedroom, 3.5 bathroom home, is designed specifically to showcase the latest on-trend home and décor touches, for 2014. Combining clean lines, simple details, flexible use rooms and natural elements, with a nice balance of calming, yet bright and uplifting col-

27th & 28th Sat & Sun October 4th & 5th Sat & Sun All Homes Open 10am to 5pm

ors of beachy whites and gray hues, gives this home a functional and completely personal appeal. High wood ceilings, views of the lake, modern gas ledger stone fireplace and cypress beams frame the backbone, of the family space.

MUST SEE FEAUTRES: island with built-in seeded glass display cases, “no hands” cabinets, 36” apron sink, quartz, cedar, pine floors, spherical lights, crisp white “to-the-ceiling” painted cabinets, matte and honed finishes, pebbled floor shower, free standing tub, ceiling rain showerhead, queen’s custom outfitted closet, chef’s pantry, cottage style loft area, mud room, cobblestone patio and many more of the latest home building materials, designs and trends.

Visit www.McElmurryHomes.com for photos and floor plan details or call Mike McElmurry at 251942-6704.

The Showcase Home can be viewed during the parade for a $3 dollar donation to our local charities

Thank You!

A Special Thanks To Our Sponsors Platinum Sponsor

Gold Sponsors

Platinum Sponsors

2

• Baldwin County Home Builders Association presents the 25th Annual Parade of Homes

PARADE of HOMES BUILDERS & MAP KEY 1. 32379 Whimbret Way Colony Homes 2. 10470 Orkney Way D.R. Horton 3. 33252 Boardwalk Drive Truland Homes 4. SHOWCASE HOME 32049 Badger Court McElmurry Homes 5. 12518 Gracie Lane Truland Homes 6. 32004 Badger Court McElmurry Homes 7. 12529 Rayne Blvd.

Truland Homes 8. 11653 Lodgepole Court Truland Homes 9. 11900 McFarland Drive D.R. Horton 10. 29224 Acorn Knoll Drive Truland Homes 11. 27889 Cowles Crossing Truland Homes 12. 27477 Parlange Lane Truland Homes 13. 8819 Asphodel Lane Truland Homes 14. 9587 Marchand Ave. Truland Homes 15. 8839 Bainbridge Drive Truland Homes 16. 28341 Beau Chene Court Truland Homes 17. 27891 Annabelle Lane Truland Homes 18. 26653 Augustine Drive D.R. Horton 19. 24773 Planters Drive Truland Homes 20. 9936 Bellaton Ave. Emerald Homes 21. 9861 Bella Drive M.D. Price Builder, LLC

22. 22 Viale Bellezza Valere Homes

28. 390 Surtees Street Truland Homes

23. 613 Falling Water Blvd.

Truland Homes

29. 134 Open Field Drive D.R. Horton

24. 211 Great Lakes Loop John Eckenstaler Builders, Inc.

30. 222 Silversmith Street Truland Homes

25. 20302 Pescado Creek Ave. Truland Homes

31. 7131 Penbridge Ave. Marquis Properties

26. 20299 Bunker Loop Truland Homes

32. 621 Parish Lakes Drive D.R. Horton

27. 250 Divot Loop Prestige Development, Inc.

Baldwin County Home Builders Association presents the 25th Annual Parade of Homes • 3

WELCOME TO THE 2014 PARADE OF HOMES

T

his year, the Baldwin County Home Builders Association presents its 25th annual Parade of Homes. There will be 32 homes featured from Spanish Fort to Gulf Shores.

Please take advantage of this excellent opportunity to learn about the latest trends in building technology and home design.

This year our “Showcase Home” was built by McElmurry Homes. This Southern-Transitional style home is situated on the lake in Rayne Plantation (Spanish Fort’s premiere upscale de-

velopment) which features an impressive entrance, community clubhouse, outdoor kitchen, playground and sparkling swimming pool, for its residents to enjoy. This 3722 square foot, four bedroom, 3.5 bathroom home, is designed specifically to showcase the latest on-trend home and décor touches for 2014.

Combining clean lines, simple details, flexible use rooms and natural elements with a nice balance of calming, yet bright and uplifting colors of beachy whites and gray hues, gives this home a

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functional and completely personal appeal. High wood ceilings, views of the lake, modern gas ledger stone fireplace and cypress beams frame the backbone of the family space. Built with the latest advances in building materials and energy efficient components, this home is an absolute must see!

Baldwin County, with its rich history and diverse cultures, has created unique communities where residents take care to preserve the area's heritage and breathtaking natural beauty.

From beaches, quaint towns, arts and crafts and to farming communities Baldwin County has it all.

Residents enjoy a unique lifestyle that includes the benefits of a small town atmosphere with easy access to several metropolitan areas.

We are proud to showcase some of the finest new homes and builders during our Parade of Homes. We build communities, one home at a time. If you are ready to invest in home ownership, this is the perfect opportunity to help you

5

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choose the right place to call home. We look forward to your visit – enjoy!

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4

• Baldwin County Home Builders Association presents the 25th Annual Parade of Homes

2014 BCHBA Scholarship Winners The Baldwin County Home Builders Association awarded $6,000 in annual scholarships to local students.

Since 1997, BCHBA has awarded scholarships to deserving students pursuing careers in the home building industry. Qualifying students must be enrolled in construction-related studies at a technical school or college. To date, the Association has awarded $68,000 in scholarships to help students in Baldwin County prepare for careers in the home building industry.

John Slade Lutz

John Slade Lutz attends The University of Alabama, Majoring in Engineering. John plans to graduate with a Majoring in Engineering, along with a Masters in Business Administration.

Emily Lysek Emily Lysek has attended Mississippi State University’s School of Architecture since the Fall of 2010. She plans to graduate with a Bachelor of Architecture in 2015.

Anniestacia Miskel

Anniestacia Miskel recently graduated from Baldwin County High School with plans to attend The University of South Alabama in the Fall. She will study Civil and Environmental Engineering. / "'$ +$ - +'0& ,/1 /2) +# ,*$0 '34> % '=@7,9/ :80 10,?@=0> :A0=>4E0/ >?,490/ .:9.=0?0 ;:=.30> B4?3 A40B> :1 ?30 7,60 :@-70 8,3:2,9D 1=:9? /::=> 70,/ 49?: , 7,=20 1:D0= ,9/ :;09> @; 49?: ?30 1,847D =::8 B4?3 A,@7?0/ .047492> 14=0;7,.0 -@47? 49 -::6 .,>0 ,9/ 7:?> :1 9,?@=,7 7423? '30 8,>?0= >@4?0 4> 7:.,?0/ :9 ?30 -,.6 :1 ?30 3:80 ,9/ 10,?@=0> ,9 :A0=>4E0/ 8,>?0= -,?3 .7:>0? =:8 ?,60 .:88@94?D B477 -0 :9 701?

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Alicia Ratcliffe

Alicia Ratcliffe graduated from Spanish Fort High School in 2013 and currently attends The University of South Alabama. Alicia is Majoring in Mechanical Engineering.

Madison Schneider

Madison Schneider is currently enrolled at Samford University as a Junior and is taking a wide variety of Business Classes.

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Devin Williams

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Devin Williams recently graduated from Gulf Shores High School and will attend Auburn University in the Fall, studying Mechanical Engineering. Devin was chosen to intern at Saunder’s Yachtworks during the Summer months.

Baldwin County Home Builders Association presents the 25th Annual Parade of Homes • 5

What does it take to be a home builder?

By Chris Price, BCHBA President Today’s new homes reflect changing market preferences and integrate elaborate designs and consumer desires into the floor plans and construction of the homes, and successful home builders have the knowledge, organizational skills and drive to build them.

But what does it really take to build a house?

Like a CEO, a home builder relies on a number of workers to get the job done right. A home builder guides dozens of skilled artisans and professionals, including carpenters, architects, engineers, plumbers, electricians, painters and landscapers.

The builder must understand all of the home’s complex systems and know enough about each contractor’s trade in order to coordinate this skilled team to build and sell a quality product.

Some home builders develop the land on which the homes are built. In this capacity, they act as the land surveyor. They look at a piece of land to determine whether it complies with zoning regulations, local planning laws and environmental restrictions, and whether it is suitable for development. The home builder studies the lot’s topography, searching for rock outcroppings, shallow depth bedrock, shallow groundwater, natural drainage sources and dense vegetation. Landscaping options and erosion control also have to be considered.

Once a builder determines that a site is suitable for construction, they must navigate the permitting process.

Home builders serve as liaisons with their communities and local government officials. They research and study local building codes to determine what can be built in a given location. In most localities, building codes govern building, plumbing, heating and air conditioning, electrical systems and fire safety. After studying the building codes, the builder collects all the required permits from various authorities before proceeding with

construction.

Once the permits are obtained, the builder will prepare the site and select how the home will be situated on it.

The home builder then oversees the entire construction process, which includes — but is certainly not limited to — laying the foundation; erecting the framing, roofing and siding; building the walls; and installing the plumbing, heating and electrical work.

A home builder acts as an inspector. The local building department will inspect the construction site for code violations throughout the home’s construction. But a professional home builder will make certain the home meets both code and warranty guidelines long before and after the officials show up. Once the house is finished, the builder informs the appropriate municipal departments that it is ready for final inspection and the approval that the home is safe for its new owners to move in.

Professional home builders strive to deliver a home that will make their customers happy. To meet this objective, they act as public relations professionals. The builder will discuss the construction process and building schedule with the buyer, and plan times when the buyer can tour the building site and ask questions about the status of their new home.

Home builders are also businesspeople who establish a network of reliable and quality materials suppliers and trade contractors with whom they conduct business on a regular basis.

Home builders are schedulers and record keepers. They must think on their feet, keep complex construction timelines and tackle multiple tasks simultaneously in order to keep the construction process moving forward and ensure the home is completed on schedule.

All in all, home builders must wear many, many hats in order to deliver a home where the new owners can hang their own hats, raise a family and build lifelong memories.

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• Baldwin County Home Builders Association presents the 25th Annual Parade of Homes

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You need Chris Francis. )

251-367-8733

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• Card Readers & Key Pads • Electronics & Fence Repairs ! " %## &

Baldwin County Home Builders Association presents the 25th Annual Parade of Homes • 7

BCHBA 2014 Showcase Home McElmurry Homes is honored to present the Showcase Home for the 2014 Baldwin County Homebuilder’s Association Parade of Homes. This Southern-Transitional style home is situated overlooking the lake in Rayne Plantation, Spanish Fort’s premiere, upscale development. Rayne’s impressive entrance leads directly to the community clubhouse that includes an outdoor kitchen, playground and sparkling swimming pool for its residents to enjoy. The home is professionally furnished and decorated by Malouf Furniture for the tour.

This must-see 3,722 square foot, 4 bedroom, 3.5 bathroom home is designed specifically to showcase the latest on-trend home and décor touches for 2014. Combining clean lines, delicate details, flexible use rooms and natural elements with a beautiful balance of calming, yet bright and uplifting grey and white coastal colors, give this home a functional and completely personal appeal.

Beautiful curb appeal and natural surroundings greet you as you approach the front steps of this coastal inspired home. The front porch is designed with a welcoming southern flair complete with cedar shutters and cedar columns, which blend effortlessly with the lush plantings in the front yard. From the moment you open the custom designed front door, you are met with high wood ceilings and wide plank, pinewood floors, which stretch all the way through the living space of this home. From the foyer, you see the elegant dining room featuring plantation shutters, a high-end chandelier and views of the front porch. The guest suite is on the main floor and features plantation shutters, a private hall and an elegant bathroom with marble countertops, tile shower surround and a clean white painted vanity.

The focal point of this home is the open, transitional main living space that boasts natural elements mixed with timeless design. As you enter the great room, you are met with natural light, 14-foot wood ceilings, custom made cypress beams and spectacular views of the lake through the floor to ceiling windows. The fireplace is stunning, with a sleek and linear modern design and floor-to-ceiling ledger stone. The cypress beams that frame the backbone of the family space flow flawlessly with the custom made wine/entertainment built-in bar.

Wide plank pinewood floors continue through the great room and into the kitchen and breakfast room area for a seamless transition.

A coastal transitional style home features open gathering spaces for optimal living. You will fall in love with this kitchen, which is open to the great room and is casual, yet elegant. The cabinets are site-designed with

beauty and use in mind. The oversized island features spherical lighting, quartz counters, built-in seeded glass display cases as well as “no hands” trash receptacle, a high end designer one-touch Brizo faucet and a 36” stainless steel apron sink. Crisp white “to- the-ceiling” painted and seeded glass cabinetry is met with a “to-theceiling” backsplash and features state of the art “no hands” opening drawers for easy use during cooking on the gas cooktop. The built-in convenience pantry in addition to the huge custom outfitted chef’s pantry has space for all goods and wares. The extra-large breakfast room overlooks the lake and is designed with an elegant iron light fixture allowing it to double as a full sized dining room for those that wish to use the formal dining room as a study. You will spend many days and nights on the large, covered back porch complete with vaulted wood ceilings and a cobblestoned patio area overlooking the serene lake.

As you enter the master bedroom, you are met with an incredible combination of luxury, function and tranquility. It is a true masterpiece that includes a modern bathroom with a custom made obscure glass entry door, hands-free motion lighting, custom made vanity, modern chandelier, a free standing soaking tub with a floor faucet, a custom tiled shower with wood look walls, a ceiling mounted rain head and pebbled floors. The “Queen’s” custom outfitted closet provides ample built-in storage for extreme organization and abundant dressing space.

The second level greets you with a flexible use cottage style loft space that would be a wonderful sitting area, children’s work zone or gallery for your favorite art.

There are two additional second level bedrooms that contain walk-in closets and a “Jack and Jill” style bathroom with separate vanity areas. The fifth room is a multi-use space and can either be utilized as a fifth bedroom or a functional bonus/recreation room.

Other features include a ceiling speaker system, mudroom, large laundry room with special one-touch open doors and a working utility/craft area, rough-hewn wood countertops, walk-in storage, beautiful, mature landscaping and much more.

This home was specifically designed for the Parade of Homes and features the most up-to-date homebuilding trends by balancing coastal, transitional, industrial and natural elements. Be sure to make plans to tour this beauty built by Mike McElmurry, McElmurry Homes.

“Building Coastal” in Baldwin County since 1998.

Contact Mike at 251-942-6704 or www.BuildingCoastal.com.

Good Luck to All Builders!

Fred L. Watkins, Jr. • 928-8302 362 SOUTH GREENO RD. • FAIRHOPE, AL 36532

HELLMICH ELECTRIC, Inc. Commercial & Residential All Work Guaranteed

251-943-2350 251-970-1826 FAX

903 West Laurel Ave., Foley

State License # 1001

Brad Moore Mortgage Loan Officer Fairhope/Spanish Fort/Foley (C) 251-597-4177 NMLS #416043

Janru C. Galloway Mortgage Loan Officer Fairhope/Spanish Fort/Foley (C) 251-721-5695 NMLS #438181

BancorpSouth.com NYSE: BXS

The Right Mortgage for the Right Home!

LOCAL LENDERS, LOCAL DECISION MAKING

8

• Baldwin County Home Builders Association presents the 25th Annual Parade of Homes

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Baldwin County Home Builders Association presents the 25th Annual Parade of Homes • 9

Beware of being your own home builder

Homeownership is the foundation of the American Dream, and in today’s do-it-yourself culture where how-to advice for just about anything can be found on the internet, many people think they could save a lot of money by building their own home.

But your home is likely the single largest investment you will make in your lifetime, and not hiring a professional home builder could be a costly mistake for many reasons — financial, emotional and physical.

Getting financing is an important consideration. As a self-contractor, lenders have strict guidelines and limits on how much money they will give you, and they will require that you provide house plans, specifications and an itemized list of documented costs and bids beforehand.

Even if you feel that you have enough cash to do the job, it is wise to get a loan to cover material or labor cost increases, upgrades or material overruns. Many mortgage companies will not lend money to cover unanticipated costs on a home when construction has already begun.

There is a huge amount of bookkeeping if you act as your own general contractor. The IRS requires that you send anyone you hired to work on your home — subcontractors — who earned over a certain amount a 1099 form at the end of the year. You’ll have to be on site to document delivery slips, check for inaccurate billing and track material returns in order to stay on budget.

Professional home builders are experts at the logistics and timing of building a home. It is an exact science to make sure permits are applied for, materials are ordered and delivered,

subcontractors are hired, utility deposits are paid and inspections are scheduled at exactly the right time.

Many things can go wrong and a delay could cost you thousands of dollars and a lot of stress.

Building your own home is a risky proposition from a legal standpoint, as well. Home builders carry builder’s risk, general liability and Workman's Compensation insurance on their building projects. As a self-contractor, you will have to assume most, if not all, of the same liabilities. You may want to consult with an attorney regarding potential liability issues, and with an insurance agent concerning appropriate insurance coverage.

Home builders have staff to take care of all the details of building a home, and established relationships with other professionals to complete the job. To build an average 1,500 sq. ft. home, you need to be prepared to spend at least 35 hours per week for at least five or six months, and most people don’t have jobs with that kind of flexibility. You will also need the time to determine and order the materials, evaluate bids and hire and schedule qualified, licensed, insured and/or certified subcontractors.

Finally, if you sell the home you’ve built, you may be responsible for any defects that are discovered afterwards. You or your estate will be responsible for claims brought by subsequent owners of the home.

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10

• Baldwin County Home Builders Association presents the 25th Annual Parade of Homes

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CARE HOUSE FISHING TOURNAMENT — Pictured above are Robert Brown, winning angler and Don Druse of Safety Plus and Tournament Chairman presenting a check to Robin Taylor and Maribel Alonzo of Care House.

LEFT: The winning anglers.

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Baldwin EMC member Margie and daughter Harper

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Baldwin County Home Builders Association presents the 25th Annual Parade of Homes • 11

CARE HOUSE CHRISTMAS GIVING — Members provide Christmas for the children of Care House.

SHOWCASE HOME DONATIONS — Greeters at the Showcase Home accept donations of $3 to view the home, which benefitted Eastern Shore Affordable Houses and Home Repair Task Force. Pictured from left to right are Tom Stokes, President of Truland Homes; Sally Dean of Home Repair Task Force; Eddie Youngblood, BCHBA Past President; and Chris Price, President. This year, Habitat for Humanity will be added as a participant.

Sister Julie is shown above.

HOME AND PRODUCT SHOW — The annual Home and Product Show is very popular with the public.

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12

• Baldwin County Home Builders Association presents the 25th Annual Parade of Homes

BCHBA accomplishments for 2014

The Baldwin County Home Builders Association is a building industry trade association that represents 630 members and 19,600 employees locally. The association serves its’ members by promoting the home building and construction trade industry; monitoring legislative/regulatory issues; providing educational and networking opportunities.

BCHBA’s goal is to provide and expand the opportunity for all consumers to have safe, decent and affordable housing. It serves its members in many ways, keeping them informed of critical issues facing the industry and providing educational opportunities.

BCHBA was chartered in 1973. Membership in the local association automatically enrolls members in the Home Builders Association of Alabama, membership of approximately 9,000, and the National Association of Home Builders, with a membership of 235,000. Members include builders, remodelers, craftsmen, developers, suppliers, manufacturers, architects, engineers, real estate brokers, lenders, attorneys and other industry professionals.

When you’re building or remodeling, it’s important to go with a pro.

Professionals are licensed, know what they are doing, and know how to work with you to get the job done. Licensed professionals also have

appropriate insurance coverage, are familiar with building codes and restrictions, and give you expert advice about your particular project.

To find your pro, visit www.BCHBA.com.

The first indication of a pro is affiliation with the Baldwin County Home Builders Association.

Members are provided with:

☺ Educational opportunities through Professional Designation programs such as Certified Graduate Builder, Certified Green Builder, Remodeler, Aging in Place Specialist, Lead Paint Renovator Certification and more. ☺ Affiliation with NAHB’s Green Building Program ☺ Builder and remodeler contract warranty packages

☺ Substantial savings on workman’s compensation through the Alabama Self Insurers Fund as well as online safety training and certification programs provided to participants through a local member.

☺ Substantial discounts on Builders Risk, construction products and services, and rebates on building products through local, state and national programs.

☺ Representation - HBA serves as an advocate for the housing industry through local, state and national legislative and regulatory support.

☺ Opportunities to partner with consumer groups such as the Baldwin Alliance for Economic Growth and Development, Chamber of Commerce, Home Repair Task Force for Baldwin County and Habitat for Humanity of Baldwin County.

☺ A Quarterly Code Meeting enables builders and officials to share information on cost and codes, ensuring builders are knowledgeable of current regulations. Efforts continue to establish and strengthen relationships with state legislators, county officials and municipal leadership in an effort to maintain a viable presence in the regulatory arena.

☺ Networking opportunities through free monthly meetings at members’ places of business or the association’s office

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Home Builders do more than just build homes, they build communities. They know that by helping their friends and neighbors, they are not only helping the community, they are building communities where they can enjoy raising our children and growing their businesses as well. They strive to be active in community service throughout the year.

CONTINUED ON NEXT PAGE

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Baldwin County Home Builders Association presents the 25th Annual Parade of Homes • 13 CONTINUED FROM PREVIOUS PAGE

Community projects:

☺ Ecumenical Ministries/Home Repair and Under His Wings, support through monetary contributions, $5,000 was split between the two organizations from donations from visitors to the Showcase Home during the annual Parade of Homes. Free display space is given at the annual Home & Product Show. Members participate in repairing homes for the elderly and needy.

☺ Care House – annually provide Christmas gifts to children and families of Care House, the resource center for abused children in Baldwin County. This year a fishing tournament was held with proceeds going to Care House.

☺ Partner with county Centers for Technology and provide complimentary display space at the Home Show to encourage students to pursue a career in the building industry.

We are teaching students of all ages about the building industry through:

☺ Promoting interactive computer program – “Homes of our Own”, an educational and virtual fun program, free to educators

☺ Apprenticeship program – Home Builders partnered with the Baldwin County Centers for Technology to support an apprenticeship program. The association also sponsors local carpentry students competing in statewide competitions.

☺ Scholarships – are awarded to students to assist them in continuing their education in a building related field. $6,000 was given this year. This was done in conjunction with the Associate Council which raises funds with an annual silent auction.

The Baldwin County Home Builders Association – Building the American Dream, Building Communities.

Last, but certainly not least, we are encouraging young people to consider building their future by choosing a career in the building industry.

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14

• Baldwin County Home Builders Association presents the 25th Annual Parade of Homes

ALABAMA HOME BUYER INITIATIVE Available through the Alabama Housing Finance Authority

For a limited time, homebuyers can benefit from a new mortgage option — the Alabama Home Buyer Initiative — that will provide private mortgage insurance (PMI) at no cost to the borrower.

The initiative will pay the up-front single PMI premium — saving the average homebuyer approximately $100 each month. Funds are offered on a first-come, first-served basis, until the fund is exhausted.

•

•

•

Mortgage Enhancement, Affordable Rates • and Down Payment Assistance

• Private mortgage insurance (PMI), underwritten by Genworth Mortgage Insurance and provided at the expense of the initiative, will insure the first mortgage.

• The Alabama Home Buyer Initiative en-

• •

hancement is designed to complement AHFA’s Step Up financing product.

Step Up provides 30-year, fixed-rate financing and down payment assistance for borrowers earning less than $97,300.

Step Up is able to offer 97% LTV financing through Fannie Mae’s HFA Preferred product for conventional loans.

AHFA provides down payment assistance up to 3%. The assistance will be a second mortgage amortizing over a 10-year period at the same interest rate as the first mortgage.

Homebuyers must complete a homeownership education course to qualify.

Proposed construction, new and existing homes will be eligible to participate.

For proposed construction cases, $100 million has been reserved for the first six-month

period of the initiative. Each loan will receive a four-month commitment of funds during the home’s construction period.

How to Apply

• The Alabama Home Buyer Initiative enhancement and AHFA’s Step Up product are available through a statewide network of participating lenders.

• Visit AHFA.com for a list of participating lenders in your area.

• Initiative funds will only be offered for a limited time, so act quickly to begin the mortgage process with your lender.

For More Information • Visit AHFA.com or call 800.325.2432.

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Baldwin County Home Builders Association presents the 25th Annual Parade of Homes â&#x20AC;˘ 15

FORTIFIED Homeâ&#x201E;˘ â&#x20AC;&#x201D; Protecting what is priceless

In the ten years since Hurricane Ivan roared ashore in Baldwin County, many things have changed. While other storms in 2004 and the years following have produced more damage and taken more lives, Ivan caused significant and life-altering effects. It also was the catalyst for the introduction and acceptance of the Insurance Institute for Business & Home Safetyâ&#x20AC;&#x2122;s (IBHS) FORTIFIEDâ&#x201E;˘ Home construction program in coastal Alabama. â&#x20AC;&#x153;Since it is generally not possible to move buildings out of Mother Natureâ&#x20AC;&#x2122;s way, the best option is for communities to make themselves more resilient in the face of disasters,â&#x20AC;? said Alex Cary, IBHS Manager of FORTIFIED Coastal Programs. â&#x20AC;&#x153;The question is how this can be accomplished in an effective, affordable way. The answer is to build, retrofit, renovate and repair buildings using FORTIFIED construction standards.â&#x20AC;?

The FORTIFIED Homeâ&#x201E;˘ program is affordable at every price point and uses a unique systems-based method for creating stronger, safer homes. Employing an incremental approach, the program has three levels of designation â&#x20AC;&#x201C; Bronze, Silver and Gold. Builders and contractors can work with home buyers and homeowners to choose the desired level of protection that best suits their budgets and resilience goals. â&#x20AC;&#x153;Homeowners insurance is a wonderful safety net that can help put houses back together following hurricanes, but there is much more that makes a house a home, and a family part of a community. The FORTIFIED Home - Hurricane program protects what is priceless like cherished family heirlooms that can never be replaced, and the peace of mind you have knowing that your home will still be there when the storm passes,â&#x20AC;? Cary said. â&#x20AC;&#x153;People often ask why the FORTIFIED Home program is necessary when jurisdictions like Baldwin County have building codes in place. Codes appropriately provide minimum life safety protection designed to ensure people can get out of a building safely, not to ensure the structural safety of a building.

Codes focus mainly on plumbing, electrical and mechanical systems. The good news is Baldwin County has strengthened its building codes to include many of the features in the Bronze level of the FORTIFIED Home program.

The new FORTIFIED Home - Hurricane Program provides a uniform, voluntary, superior set of standards to help imÂŹprove a homeâ&#x20AC;&#x2122;s resilience by adding system-specific upgrades to minimum code requirements. One of the most unique and important aspects of the program is that every FORTIFIED Home is inspected by an independent, third party, certified evaluator - before and after the upgrades are performed. The U.S. Department of Homeland Security (DHS) selected FORTIFIED Home building standards for a Pilot Project for its Resilience STARâ&#x201E;˘ program in Mississippi and Alabama, and specifically Baldwin County.

Alabama has already recognized the benefits of mitigation and of constructing and/or retrofitting FORTIFIED homes along its coast with the enactment of legislation in 2009. Insurance companies who write business in Alabama must provide discounts to homeowners in Mobile and Baldwin Counties

whose houses are built or retrofitted in conformity with IBHSâ&#x20AC;&#x2122; FORTIFIED standards. Discounts range from 20%-50%, however, each insurance companyâ&#x20AC;&#x2122;s discounts are different, so homeowners should contact their agent or insurer for specific details. â&#x20AC;&#x153;The FORTIFIED Home - Hurricane program enables homeowners to make informed decisions about maximizing their investment in disaster-resilience, and achieve peace of mind knowing their home will be as strong as possible when hurricanes strike. Itâ&#x20AC;&#x2122;s not a matter of if another big hurricane will hit the U.S., just when and where,â&#x20AC;? Cary said.

Builders in Mobile and Baldwin Counties are beginning to realize the benefits of FORTIFIED Home construction and the number of FORTIFIED homes is increasing. Almost half of the homes participating in this yearâ&#x20AC;&#x2122;s Baldwin County Parade of Homes have a FORTIFIED designation or one in process.

Look for homes with the FORTIFIED Home logo and ask participating builders for more details.

Apply today for a FORTIFIED Home â&#x20AC;&#x201C; Hurricane designation, or learn more about the FORTIFIED Home â&#x20AC;&#x201C; Hurricane program at disastersafety.org/fortified-main/fortified-home/, including how to find an evaluator, select a designation level, document specific construction features, and other important information.

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