Associate Member Appreciation Month
WHEREAS our Associate members possess many skills and talents which they generously and enthusiastically apply to a variety of association tasks; and
WHEREAS all members of this association and the community benefit from the deeds of these selfless and dedicated individuals; and
north coast bia, sheffield village, oh 44035 www.ncbia.com
September 2022 - vol. XLIII - no. 9
PROCLAMATION
WHEREAS a sense of caring and desire to strengthen the industry have motivated thousands of Associate members to volunteer their time and services to the needs of the North Coast Building Industry Association; and
WHEREAS the achievements of Associate members have become an essential part of the association’s proud history, tradition, and spirit.
NOW, THEREFORE, I wish to honor the Associate members of the North Coast Building Industry Association who give so freely of their valuable time, energy, and abilities by proclaiming the month of September to be officially designated as
BUILDERNEWSLETTER NORTH COAST BUILDING INDUSTRY ASSOCIATION
Sara Majzun - 2021-2022 NCBIA President
I call upon all members to recognize this special period by appreciating and extolling the goodness of the Associate members and by following their shining example.
Marketing Associate Ashlyn Bellan | ashlynncbia@gmail.com
Advertising Policy - The North Coast Building Industry Association reserves the right to reject advertising in the Builder newsletter based on content. Acceptance of advertising does not imply endorsement of the product or service advertised.
Associate Vice President
NCBIA Staff Executive Officer
2022 NCBIA Board of Directors
NAHB Senior Life Delegate
5077 Waterford Dr. Suite 302 Sheffield Village, OH 44035
Dan Bennett, Bennett Builders & Remodelers
John Toth, Floor Coverings International Treasurer
Mary H. Felton, Guardian Title
Jack Kousma, Kousma Insulation
These are our members who represent our local industry in Washington DC and Columbus: Randy Strauss, Strauss Construction Jack Kousma, Kousma Insulation (alternate)
NCBIA Life Directors
Jason Rodriguez, Lorain County Joint Vocational School
Sara Majzun, Majzun Construction Co.
Dave Linna, Linna Homes & Remodeling
Tom Caruso, Caruso Cabinets
2022 NCBIA Officers
Phone: 440.934.1090 info@ncbia.com | www.ncbia.com
North Coast Building Industry Association (NCBIA) BUILDER newsletter is the official newsletter of the NCBIA and is published monthly by the NCBIA. The NCBIA is an affiliate of the Ohio Home Builders Association (OHBA) & the National Association of Home Builders (NAHB).
Randy Strauss, Strauss Construction
Ohio’s State Rep. to NAHB Ric Johnson, CAPS Builder & Right at Home Technologies
Randy Strauss, Strauss Construction Sara Majzun, Majzun Construction Co. Mary(alternate)Felton, Guardian Title (alternate)
Jeff Hensley, Lake Star Building & Remodeling
Executive Assistant LaBreeska Bellan | labreeskancbia@gmail.com
Vice President
NCBIA Office
Tim King, K. Hovnanian Homes - Ohio Division
Melanie Stock, Treasurer, First Federal Savings of Lorain Secretary
Sam Hudspath, All Construction Services
Dave Weisenberger, Tusing Builders & Roofing Services
Mike Gidich, MDG Maintenance, LLC
Chris Majzun Sr., Majzun Construction Co.
Judie Docs | judie@ncbia.com
Kevin Walker, Great Lakes Properties & Investments
President
Chris S. Majzun Jr., Majzun Construction Co.
Randy Strauss, Strauss Construction Tom Lahetta, Tom Lahetta Builders, Inc.
Bob Yost, Dale Yost Construction
2022 OHBA Trustees
September 2022 www.ncbia.com page 3
Jeremy Vorndran, 84 Lumber
OHBA Area 2 Vice-President Ric Johnson, CAPS Builder & Right at Home Technologies
OHBA Past Presidents Randy Strauss, 1996
2022 NAHB Delegates
Mike Meszes, Secretary, DRC Construction Co.
Brian Schwab, RestorePro, Inc.
Liz Schneider Dollar Bank
Jim Sprague, Maloney + Novotny, LLC
CALENDAR 2022 OF EVENTS Wednesday19 CAREERS IN CONSTRUCTIONGENERALMONTHMEMBERSHIP MEETING & ELECTION NIGHT Membership Event 5:00-7:00 PM Ahern’s Banquet Center, Avon Lake 3:00 & 5:00 PM Wednesday9 Wednesday16 Thursday24 SPIKE APPRECIATION MONTHOHBA FALL BOARD State Event THANKSGIVING | OFFICE CLOSED EXECUTIVE COMMITTEE & BOARD MEETINGS Board Thursday15 Monday26 CHRISTMAS (OBSERVED) OFFICE CLOSED TBD UGLY SWEATER MIXER Social Event 3:00 & 5:00 PM Monday5 Wednesday14 LABOR DAY | OFFICE CLOSED EXECUTIVE COMMITTEE & BOARD MEETINGS NATIONAL MEMBER APPRECIATION MONTH Board Saturday24 CLAMBAKE Social Event 5:30 - 10:00 PM Amherst Eagles, Amherst Tuesday-Thursday25-27 NAHB Fall Leadership Meeting National Event Kansas City, Mo. Columbus 361831-3211
11 - Eye on Housing: Lot Values Set New Records
8-Executive Officer’s Report
13 - Eye on the Economy: Housing Recession Deepens
14 -NAHB NOW: House Passes Flawed Inflation Reduction Act
15 - Eye on Housing: Median Price of a New Age-Restricted Home Up to $472,000
6 -Menu of Services -Save the Dates
25-26 - Eye on Housing: Share of Smaller Lots Record High Amid Pandemic OHBA Executive VP Column
28
29 - NAHB NOW: International Builders Show-OHIO
20-21- Eye on Housing: What Future Residents Want from Tomorrow's Communities
Table Contentsof
34
36-37 - NAHB NOW: Registration Now Open for 2023 NAHB International Builders' Show in Las Vegas $avings
38 NAHB-Membership
39-41 - Sedgwick Update2022 Circle of Excellence Call for Entries!
42-51
12 Member Mixer
THANK YOU SPONSORS!!
7
9 -NEW FLYER! October General Membership Meeting
17 - Eye on the Economy: Interest Rates Move Higher
23 - Eye on Housing: Making Use of Existing Structures to Increase Housing Supply
30 - NAHB NOW: New Opioid Resources Available Construction Workers 31-32Welcome New Members!! Thanks for Renewing! & Sorry to See You Go! Thank you, Spikes!! - Legislative Review
16 - Eye on the Housing: Solid Job Gains in August
10"What Members are Saying"
35
For more information on any of these products & services, please contact the NCBIA Office at (440)934-1090 or email judie@ncbia.com
Contact Ashlyn Bellan ashlynncbia@gmail.comat
$35 per hour
$35 per hour
September 2022 www.ncbia.com page 6
X 12897 HELP? HOW CAN WE HELP? North Coast Building Industry Association Menu of Additional Products and Services Copies Equipment Design Services Warranty Books Black & White Black & White ColorColorColor Raffle Boards, Drum & Equipment DesignGraphicServices (8.5”x14”)(8.5”x11”) Black White&(11”x17”)(8.5”x14”)(8.5”x11”)(11”x17”) Single 2-SidedSingle2-SidedSingle2-SidedSingle2-SidedSidedSidedSidedSided $0.50$0.20$0.15$0.20$0.10$0.25$0.50$0.27$0.52$2.00
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and browse through your discounts Businesses may qualify for additional discounts. please email: NAHB@officedepot.com or call
North Coast Building IndustryAssociation ofAdditional Services (11”x17”)(8.5”x14”)(8.5”x11”)(11”x17”)
For more information on any ofthese products & services, please contact the NCBIA Office at (440) 934-1090 or email judie@ncbia.com
Home
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Contact Ashlyn Bellan ashlynncbia@gmail.comat
NAHB members save up to 75% off the ThousandsExclusiveourregularofficedepot.compricesonBestValueListofpreferredproducts!NAHBSavings!ofproductsdiscounted off the officedepot.com regular prices! Order online | Pick up in 1 hour!* Free delivery on qualifying orders of $50 or Textmore!**NAHBSPC to 555-888 to save your free store discount card on your phone Create an account online through
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Do you have some business news to share? Business anniversaries, accomplishments, awards, publications, etc.? Send to judie@ncbia.com. We want to hear from you!
SHE'S ENGAGED
General Membership Meeting & Election 5:00-7:00Night
Amherst Eagles
If you would like to participate in a committee, please email Judie Docs at judiencbia@gmail.com.
page 7 www.ncbia.com September 2022
Want to be a sponsor for any of these events? Let us know! Sponsor early to get maximum exposure!!!!!
Saturday, September 24th 5:30-9:30ClambakePM
1161 Milan Avenue, Amherst
Ashlyn Bellan, NCBIA Marketing Associate Fall 2023 Wedding
Check the website at www.ncbia.com for upto-date changes, additions, and corrections to these events!
Save Date!the
Call or email Judie at judie@ncbia.com for marketing opportunities to help your bottom line!!!!!
726 Avon Belden Road, Avon Lake
Wednesday, October 19th
Ahern's Banquet Center
The North Coast Building Industry Associates and Affiliates are a vital component of our association. Our associates include suppliers, service providers and product manufacturers and represent all facets of the home building industry – from selling the lumber to building the house to financing the mortgage for the home buyer. Associates are key members who help keep our association strong.
Since 1981, September has been designated as NAHB’s Associate Member Appreciation Month – an annual celebration of Associate member contributions to the NAHB Federation and the home building industry. Designating September as Associate Appreciation Month is just one way of providing the much-deserved visibility and recognition to our invaluable Associate members.
THANK YOU Associates!!!
Our association is strong because individual members are strong and doing business with other members is a great way to strengthen the association while ensuring that the people you work with understand the issues and concerns that affect your day-to-day operations. Members doing business other members also helps the consumer with their needs and wants by working side by side on consumer projects, or as a great referral source.
Associate members are also essential to the federation, devoting countless volunteer hours at the local, state, and national levels and strengthening our industry in the process.
Working together keeps things close to home, supports our association, community and ensures a strong housing market now and in the future!
We appreciate the dedication and enthusiasm of its associate members, but in today’s ever changing housing market environment, we appreciate that dedication and commitment more than ever.
EXECUTIVE OFFICER’S REPORT
Special thanks to those associate member companies who have sponsored our events in the past year.
by Judie Docs, CSP, MCSP, MIRM, CMP, CGP
September 2022 www.ncbia.com page 8
Associate members bring excellent value to our association and the federation. And they provide an enormous range of services, products and expertise that are essential to building the nation’s housing.
© 2019 Hastings Mutual Insurance Company SS-1 (10/19) Select Contractors Building Your Business (800) www.hastingsmutual.com442-8277 404 E. Woodlawn Ave. Hastings, MI 49058 For more information contact:Broadened Coverage This coverage helps if there’s damage to property used by you or your employees that belongs to someone else. It has a limit of $2,500 per occurrence, with a $100 deductible. Builders Risk and Installation Floater “Floater” coverage is for anything that oats, or moves from place to place — like your supplies and machinery. It also covers damage to the structures you’re working on, including scaffolding, foundations, and more. This has a limit of $5,000, with a $250 deductible. Portable Tools Coverage on your tools has a limit of $1,000 per tool, to a maximum of $2,500. It also has a $500 deductible.Theinformation referred to is not a policy. Refer to your policy for speci c coverage. The Nelson Agency, Inc. 116 4th St., Elyria, OH 44035 Phone: 440-323-8002 Fax: Drywallersinsurance1@prodigy.net440-323-8055 A member of: Theresa Riddell (440) adamsb@sprouseagency.comtmycps@oh.rr.com420-1175-OR-BrettAdams(419)515-0506 September 2022 www.ncbia.com page 10 Despite the rain and golf outing hiccups - - you pulled off a fun day!!!! “ What members are saying: Soggy but a great outing! Pizza and BBQ was great!! “ ““ Thank you for all the work you do at the NCBIA. We appreciate it. “ “ Very impressed with how good the softball game photos came out and how much fun the day was. “ “
Similarly, the Middle Atlantic division recorded a strong rise in lot values and set a new record with half of lots priced at or above $90,000. This made the Middle Atlantic division SFD lots third most expensive in the US. The Mountain division followed with a median lot price of $75,000, a new divisional record.
page 11 www.ncbia.com September 2022
ot Values for single-family detached housing starts in 2021 increased across the nation, with the national value and six out of nine Census division values setting new records. U.S. median lot price now stands at $55,000, according to NAHB’s analysis of the Census Bureau’s Survey of Construction (SOC) data.
In New England and Pacific, lot values surged 67% and 39%, respectively, and reached new historic highs, even after adjustments for inflation. As a result, half of single family detached homes started in New England were built on lots valued at or more than $200,000. Though these new lot values seem sky high, these are consistent with record lot shortages, recent significant building material price hikes and unprecedented supply challenges that have been constraining the pandemic-fueled housing boom in 2021.
L
New England has been a division with the most expensive lots for decades but ended up in a league of its own in 2021 when, as noted above, its median lot price surged 67% and reached $200,000, almost quadrupling the national median. This means that half of all single-family detached (SFD) spec homes started in New England in 2021 were built on lots valued at or in excess of $200,000. New England is known for strict local zoning regulations that often require very low densities. As a matter of fact, the median lot size for single-family detached spec homes started in New England in 2021 was four times the national median. Therefore, it is not surprising that typical SFD spec homes in New England are built on some of the most expensive lots in the nation.
BY: NATALIA SINIAVSKAIA
Two neighboring divisions in the South – South Atlantic and East South Central – also posted divisional records. Nevertheless, these divisions remain home to some of the least expensive lots valued well below than the national median. Half of SFD spec homes started in these divisions in 2021 have lot values of $42,000 or less. The East South Central Division records the second largest lots in the nation, thus defining some of the most economical lots, as well as lowest per acre costs in the US.
median lot values were chosen over averages since averages tend to be heavily influenced by extreme outliers. In addition, the Census Bureau often masks extreme lot values on the public use SOC dataset making it difficult to calculate averages precisely but medians remain unaffected by these procedures.
When adjusted for inflation, lot values are now close to the record levels of the housing boom of 2005-2006 when half of lots were valued over $43,000, which is equivalent to about $57,800 when converted into inflation-adjusted 2021 dollars. At the same time, home building shifted towards smaller lots, resulting in record high prices per acre.
EYE ON HOUSING
The West South Central, which includes Texas, and East North Central divisions were the only two divisions that posted moderate declines in the median lot values. In case of the West South Central Division, it was a welcome change after recording some of the fastest lot value appreciation in recent years. Less than a decade ago, half of SFD lots here were going for $30,000 or less, almost half of the current median of For$55,000.thisanalysis,
This analysis is limited to single-family speculatively-built homes by year started and with reported sales prices. For custom homes built on owner’s land with either the owner or a builder acting as the general contractor, the corresponding land values are not reported in the SOC. Consequently, custom homes are excluded from the analysis.
The Pacific division has the smallest lots. However, median lot value reached $143,000 in 2021, the second most expensive value in the nation and a new record for the division, even after adjusting for inflation. As a result, Pacific division lots stand out for being most expensive in the nation in terms of per acre costs.
LOT VALUES SET New Records
Total existing-home sales, as estimated by the National Association of Realtors, fell 5.9% to a seasonally adjusted annual rate of 4.81 million in July, the lowest level since May 2020. On a year-over-year basis, sales were 20.2% lower than a year ago. The July median sales price of all existing homes was $403,800, up 10.8% from a year ago, representing the 125th consecutive month of year-over-year increases — the longestrunning streak on record. However, price growth is cooling quickly in most markets according to other reporting.
BY: ROBERT DIETZ
R
The volume of new-home sales in July fell to the lowest level since January 2016. Sales of newly built, single-family homes came in at a 511,000 seasonally adjusted annual pace, which is a 12.6% decline from the June rate and 29.6% below the estimate from a year ago. Sales-adjusted inventory levels are at an elevated 10.9-month supply in July. However, only 45,000 of the new-home inventory is completed and ready to occupy. This count has been rising in recent months and is up 40.6% compared to a year ago. New-home sales are likely to continue to show weakness in the months ahead.
The decline in the HMI is consistent with declines for singlefamily construction. Single-family starts decreased 10.1% to a 916,000 seasonally adjusted annual rate and are down 2.1% on a year-to-date basis. This is the lowest reading for single-family home building since June 2020. More declines lie ahead, as single-family permits decreased 4.3% to a 928,000 annual rate and are down 5.9% on a year-to-date basis. NAHB is forecasting 2022 will be the first year since 2011 to record an annual decline in single-family home building.
The outlook for the housing market is now dependent on incoming inflation data and the Federal Reserve’s monetary policy. It appears, for example, that the core Personal Consumption Expenditures price index measure of inflation has peaked. And some economists are forecasting the Fed will decelerate its rate hikes, with perhaps a 50 basis-point hike in September, following the 75 basis-point hikes in both June and July. Nonetheless, the Fed will continue hiking, with the bond market pricing in the 10year Treasury above 3.1% for the first time since late June.
ising mortgage rates, high inflation, low existing inventory, and elevated home prices caused housing affordability to fall to its lowest point since the Great Recession in the second quarter of 2022. According to the NAHB/Wells Fargo Housing Opportunity Index, just 42.8% of new and existing homes sold were affordable to a typical family. As more households are priced out of the for-sale market, a number of key housing metrics — including existing-home sales, new-home sales, single-family permits, and single-family starts — have experienced significant year-over-year declines, characterizing the ongoing housing recession. Some markets are now seeing price declines as well.
page 13 www.ncbia.com September 2022
The softening of housing demand has led to ongoing declines for home builder sentiment, per the NAHB/Wells Fargo Housing Market Index (HMI). Builder confidence fell for the eighth straight month in August, falling six points to 49 and marking the first time since May 2020 the index fell below the key break-even measure of 50. The August buyer traffic number in the builder survey was 32, the lowest level since April 2014, excluding the spring of 2020 when the pandemic first hit. Roughly one-in-five (19%) home builders in the HMI survey reported reducing prices in the past month to increase sales or limit cancellations. The median price reduction was 5% for those reporting using such incentives.
The multifamily sector, which includes apartment buildings and condos, decreased 8.6% to an annualized 530,000 pace. Multifamily construction remains very strong given solid demand for rental housing. The number of multifamily 5+ units currently under construction is up 24.8% year-over-year. Multifamily development is being supported by a substitution effect, with frustrated or priced-out prospective home buyers seeking rental housing. Similarly, demand for single-family rental properties is rising, leading to gains for single-family built-for-rent construction. There were approximately 21,000 single-family built-for-rent starts during the second quarter of 2022. This is a 91% gain over the second quarter 2021 total.
HOUSING RECESSION Deepens
EYE ON THE ECONOMY
T
September 2022 www.ncbia.com page 14 NAHB NOW
HOUSE PASSES FLAWED Inflation Reduction Act
House Democrats refused to change the bill because it would mean sending it back to the Senate, where chances of passage would be jeopardized because of the 50-50 Democratic-Republican split in the upper
On the codes front, the legislation contains $1 billion in grants to pressure state and local governments to adopt more stringent energy code regulations. The practical effect will be to raise housing costs even further while doing very little to provide meaningful savings for residential homes and apartments.
NAHB continues to push for a better strategy — where the Department of Energy takes the lead to help states advance the codes in a manner that best fits the needs of state and local governments.
with Sen. Kyrsten Sinema (D-Ariz.), NAHB was able to obtain key changes to the bill as it relates to carried interest and how companies can deduct depreciated assets from taxes. And although the bill does include positive provisions for housing, NAHB believes that overall, the bad outweighs the good, despite the 11th hour changes to the legislation that NAHB helped to push through.
However,chamber.asthe
House was debating the bill, Financial Services Committee Chairwoman Maxine Waters (D-Calif.) took to the House floor and cited a key NAHB concern: “We can no longer afford to have housing as an afterthought, a ‘nice to have,’ or simply something that can wait until later,” Waters said. “It is foundational to the prosperity of families, key to a healthy economy, and crucial to fighting inflation. Yes, I’m disappointed. I’m going to vote for this bill because so many people are going to benefit in different ways, but I’m disappointed that housing does not show up in any way in this bill.”
A Victory on Carried Interest
In the tax arena, NAHB strongly supported the efforts of Sen. Sinema to kill an onerous provision on carried interest that would have affected existing real estate partnership agreements and the treatment of Section 1231 gains at a time when housing has entered an industry recession.
Two-thirds of the funds, or $670 million, will be made available for the adoption of energy regulations for residential and commercial buildings that meet the zero energy provisions in the 2021 edition of the International Energy Conservation Code (IECC). These zero-energy targets are not appropriate for most jurisdictions and not cost-effective for consumers.
“The legislation does nothing to address the housing supply crisis facing American families,” the letter to lawmakers stated. “Rather the bill will disincentivize multifamily construction, increase the cost of new homes through higher energy code requirements, and inflate labor costs.”
he House today approved the Inflation Reduction Act of 2022, legislation that NAHB opposes because it fails to ease inflationary pressures on housing and contains troublesome new building and energy code requirements that could raise the cost of housing for homeowners and renters. With Senate passage of the bill on Aug. 7, President Biden will sign the measure into law shortly.
In the days before the Senate approved the Inflation Reduction Act, NAHB Chairman Jerry Konter issued a strong rebuke of the bill because it contained several changes to the taxation of real estate and new code requirements that would exacerbate the nation’s housing affordability challenges. Konter urged Senate Democrats to rework the bill by eliminating these onerous provisions, and NAHB also sent a letter to Senate leaders that went into more detail expressing our opposition to the Workingbill.
Changing the rules to make ENERGY STAR the sole means to qualify for the 45L tax credit is counterproductive because it is a niche market that will never be widely adopted — less than 10% of single-family and multifamily units were certified in 2020.
However, the bill includes structural changes to the Section 45L new energy efficient home tax credit, which provides builders a $2,000 tax credit on homes by meeting specific energy savings on homes built above the baseline IECC, that would effectively render the tax credit null and void for most builders.
On the positive side, the legislation includes long-term extensions for many other existing energy tax incentives, and $4.3 billion for the HOMES Rebate Program, an energy-efficient retrofit program.
When the bill went to the House for consideration, NAHB still fought aggressively to improve the legislation and sent a letter to House Democratic and Republican leaders detailing our concerns and expressing our opposition.
Further, NAHB fought successfully to defeat a measure that would have extended the 3.8% Net Investment Income Tax (NIIT) to active investors, including NAHB members. The NIIT applies to capital gains and rental income, among other investment streams, and would have directly increased the cost of housing.
New Codes Requirements
page 15 www.ncbia.com September 2022
BY: PAUL EMRATH
NAHB was first successful in persuading HUD and the Census Bureau to produce data on the age-restricted status of new homes in 2009, during the depths of the housing downturn. In 2009r, builders started only 17,000 homes in age-restricted communities (9,000 singlefamily and 8,000 multifamily). The numbers subsequently increased, reaching a peak of 29,000 single-family and 31,000 multifamily agerestricted starts in 2018. Although the number of age-restricted starts has fallen from that high point, this does not necessarily signal reduced interest in serving the market for home buyers age 55 or older, as new homes may be designed with features that tend to appeal to older buyers without being explicitly age-restricted.
O
f the Of the roughly 1,127,000 single-family and 474,000 multifamily homes started in 2020, 37,000 (15,000 single-family and 22,000 multifamily) were built in age-restricted communities, according to NAHB tabulation of data from the Survey of Construction (SOC, conducted by the U.S. Census Bureau and partially funded by HUD). A residential community can be legally age-restricted, provided it conforms the one of the set of rules specified in the Housing for Older Persons Act of 1995.
Other questions in the SOC show that new single-family homes are more likely to be attached (i.e., townhomes), and single story with no basement if the homes are age restricted. The age-restricted homes are also more likely to come with patios, but less likely to have decks. Finally, age-restricted homes are less likely to require a loan and more likely to be purchased for cash, as home buyers who are older have had more of a chance to accumulate the savings and assets (often equity in a previous home) that can be converted to cash.
The SOC provides enough data to look at the characteristics of new age-restricted single-family homes to see if they differ from other singlefamily homes started in 2021. In that year, the median age-restricted home was slightly larger than the median for other single-family homes: 2,400 vs. 2,300 square feet. The median lot size for age-restricted homes, however, was somewhat smaller—roughly one-sixth of an acre vs. one-fifth. Wednesday’s post examined trends in lot sizes in more detail, particularly how the share of homes built on smaller lots continued to increase during the pandemic. Another trend that continued during the pandemic was rising house prices. The median price of a new, agerestricted single-family homes started in 2021 and built for sale was $472,000—$100,000 higher than it was a year earlier and considerably above the $400,000 median price of non-age-restricted homes started in 2021.
MEDIAN PRICE OF A NEW Age-Restricted Home Up $472,000to
EYE ON HOUSING
SOLID JOB GAINS in August
In the first eight months of 2022, more than 3.5 million jobs were created, and monthly employment growth averaged 438,000 per month. As of August 2022, total nonfarm employment is back to pre-pandemic level in February 2020, meaning U.S. labor market is fully recovered from the COVID-19 Meanwhile,pandemic.theunemployment rate rose by 0.2 percentage points to 3.7% in August. It has returned to its February 2020 level as of July. In August, the number of unemployed persons increased by 344,000 to 6.0 million. Meanwhile, the labor force participation rate, the proportion of the population either looking for a job or already with a job, ticked up 0.3 percentage points to 62.4% in August. This month’s increase in the labor force participation rate reflected a 786,000 increase for the total of the civilian labor force and a 613,000 decrease in the number of persons not in the labor force. Moreover, the labor force participation rate for people who aged between 25 and 54 increased to 82.8% in August.
September 2022 www.ncbia.com page 16
ob growth remained solid in August, with 315,000 net job growth. However, the unemployment rate rose 0.2 percentage points to 3.7% in August, as the labor market participation rate expanded. “Softer labor market conditions” are expected in the near future as the Fed raises interest rates aggressively into 2023 to bring inflation lower. The headline job number of today’s labor market report raises the likelihood of a 75-basis point increase for the federal funds rate by the Fed in ConstructionSeptember. industry employment (both residential and non-residential) totaled 7.7 million in August, exceeding its February 2020 level. In August, residential construction gained 10,900 jobs, and non-residential construction added 4,300 jobs. Residential construction employment currently exceeds its level in February 2020, while 82% of non-residential construction jobs lost in March and April have now been recovered.
J
EYE ON HOUSING
In August, the unemployment rate for construction workers rose by 1.1 percentage points to 5.0% on a seasonally adjusted basis but was still close to the lowest point within the past 20 years. The unemployment rate for construction workers has been trending lower, after reaching 14.2% in April 2020, due to the housing demand impact of the COVID-19 pandemic.
Residential construction employment now stands at 3.2 million in August, broken down as 904,000 builders and 2.3 million residential specialty trade contractors. The 6-month moving average of job gains for residential construction was 8,533 a month. Over the last 12 months, home builders and remodelers added 118,700 jobs on a net basis. Since the low point following the Great Recession, residential construction has gained 1,194,100 positions.
Professional and business services (+68,000), health care (+48,000) and retail trade (+44,000) had notable job gains in August. Employment in the overall construction sector increased by 16,000 in August, following a 24,000 gain in July. Residential construction gained 10,900 jobs, while non-residential construction employment gained 4,300 jobs in August.
Total nonfarm payroll employment increased by 315,000 in August, following a gain of 526,000 in July, as reported in the Employment Situation Summary. The estimates for the previous two months were revised down. The June estimate was revised down by 105,000 from +398,000 to +293,000, while the July increase was revised down by 2,000. With these revisions, employment in June and July together was revised down by 107,000 from the previously reported ones.
BY: JING FU
B
BY: ROBERT
Nonetheless,DIETZsigns
One would hope that the Fed sees these signals and decelerates the pace of federal fund rate hikes beginning with its September meeting. However, comments from Powell and other Fed leaders suggest another 75 basis-point increase remains highly probable.
EYE THE ECONOMY
ON
Higher rates are being driven by hawkish messaging from leaders of the Federal Reserve. Last week, Powell stated that in order to bring down the rate of inflation, the Fed will continue to raise the short-term federal funds rate, which now has a top target rate of 2.5%. Economic forecasters estimate the Fed will ultimately raise this rate to between 3.5% and 4% by early 2023, leading mortgage rates to surpass 6%. Powell acknowledged that the fight to rein in inflation will cause economic pain, but said it is necessary to help avoid extended distress to the economy. Moreover, Powell indicated that rates will not come down quickly after reaching their high point.
Given this policy stance, the Fed will need compelling evidence that the rate of inflation is moving lower. While some indicators of inflation — such as the core Personal Consumption Expenditures (PCE) Price Index — show easing inflation, economic data continue to reveal tight market conditions. In particular, the labor market continues to run hot: Job growth was strong in August, with 315,000 net job gains. The unemployment rate rose 0.2 percentage points to 3.7%, but this was due to increases for labor force participation rather than a slowing economy.
of a weakening economic backdrop are growing, which would significantly slow inflation. For example, GDP growth was negative for the first half of the year. This arguably qualified as a recession (two quarters of economic decline), yet there was not a corresponding measure of job losses. (As an aside, for those claiming that the first half of the year was not a recession, at the very least it represented a significant loss of labor productivity as more workers produced less output.) But the labor market appears to be slowing, as the number of job openings is now falling, mirroring a decline in open construction jobs.
page 17 www.ncbia.com September 2022
INTEREST RATES Move Higher
etter-than-forecasted economic data, particularly for the labor market — combined with a commitment from Federal Reserve Chair Jerome Powell to an aggressive monetary policy — caused interest rates to move higher in recent weeks. Since the start of August, the 10-year Treasury rate has increased from 2.6% to above 3.4%, which will continue to push mortgage rates even higher, off the 5.66% average 30-year fixed rate reported by Freddie Mac last week.
APPRECIATION MONTHOHBA FALL
Rev. 8/29/2022
UGLY SWEATER MIXER
EXECUTIVE COMMITTEE & BOARD MEETINGS
Board
19
Ahern’s Banquet Center, Avon Lake
THANKSGIVING | OFFICE CLOSED
TBD
5
5:30 - 10:00 PM Amherst Eagles, Amherst
2022
EXECUTIVE COMMITTEE & BOARD MEETINGS
Columbus
Monday
Wednesday
CALENDAR OF EVENTS
CLAMBAKE
Thursday
15
5:00-7:00 PM
Monday
CAREERS IN CONSTRUCTION
26
Wednesday
SPIKE BOARD
CHRISTMAS (OBSERVED) OFFICE CLOSED
3:00 & 5:00 PM
GENERALMONTHMEMBERSHIP
LABOR DAY | OFFICE CLOSED
24
Social Event
Social Event
25-27
NIGHT Membership Event
Saturday
Tuesday-Thursday
National Event
14
Wednesday
MEETING & ELECTION
3:00 & 5:00 PM
NAHB Fall Leadership Meeting Kansas City, Mo.
Board
9 Wednesday16 Thursday24
State Event
NATIONAL MEMBER APPRECIATION MONTH
Do you want to opt-in to our referral program? Just email judie@ncbia.com $7.00 / ea contact judie@ncbia.com to order Your New Home and How to Take Care of It has an inviting new look and continues to be a perfect customer handout at closing. Remember: customer care is the key to a builder’s warranty program. page 19 www.ncbia.com September 2022
• Connection with nature
September 2022 www.ncbia.com page 20
EYE ON HOUSING
Trail around the updated lake area at St. Bourke's Georgian Acres community.
Aerial view of the lake area at St. Bourke's Georgiancommunity.Acres
•
"DevelopersSustainabilityandhome
WHAT FUTURE RESIDENTS Want fromCommunitiesTomorrow's
D
"For home design, builders are including lots of connectivity to the outdoors with patios, porches, decks, etc.," she added. "Many of these are covered to provide year-round protection from the sun and rain."
Cresswind Georgia at Twin Lakes residents enjoy yoga by the lake.
esign trends have continually adapted to meet prevailing interests, whether it’s incorporating the latest technology or shifting the look and feel to attract a new generation of residents. The market has shifted more drastically in recent years, in large part because of the Covid pandemic, and developers are finding new and creative ways to address the new market demands.
Aerial view of the improved lake area at St. Bourke's Tyler, Home on the Lake, development.
• Flexibility
builders are working to make better connections with nature both in terms of amenities and within the homes themselves," observed Carol Morgan, president of Denim Marketing.
"Survey and consumer feedback has always been an essential part of developing and evolving Cresswind lifestyle programming," shared Jennifer Landers, community director for Kolter Homes, which designed the Cresswind Georgia at Twin Lakes development.
"For developments, the standards include wide sidewalks, walking trails, dog parks, fire pits and connectivity with any trails in the area.
Developers and marketers have noted three key categories that resonate with the current market:
One of the best ways to make sure the community fits consumer interests is to solicit feedback.
Suchapproach."amenities
• Pet-washing stations — for the community or also within the home
• Water activities that extend beyond the basic pool/clubhouse setup, such as boating or splash pads
• Outdoor fitness centers
At its Tyler, Home on the Lake, development in North Carolina — along with builder partner D.R. Horton — St. Bourke converted the project's interior 60-acre lake, which had been treated as more of a decorative feature, into a unique, useable amenity.
"We installed paved sidewalks around the lake's perimeter, worked with local experts to improve water quality and clarity, stocked the lake with fish, and constructed a fishing dock and kayak launch to allow residents to take full advantage of this incredibly unique community feature," Fidler noted. "The dock is now so popular amongst the residents that we actually had a small community wedding take place there last summer." Cresswind Georgia at Twin Lakes was also able to make tweaks to its programming based on consumer feedback.
"Amenities are a great focus for marketing campaigns as they portray the lifestyle of the community," Morgan stated. "We focus on amenities and lifestyle by creating a series of graphics and storyboards for social media and blogs. It is important to tell the story and help potential buyers see how the community will live."
• Community gardens
• Equestrian trails
• Solar panels installed for the home
•
WHAT FUTURE RESIDENTS Want fromCommunitiesTomorrow's
• Community gathering spaces, complete with fire pits and outdoor seating
Pickleball became a large focus for Kolter Homes' Cresswind Georgia at Twin Lakes community.
EYE ON HOUSING
Making sure such designs and amenities are affordable is also important. "With affordability taking a nosedive in nearly every major metro across the country, stretching the development dollar is extremely important," said Katie Fidler, director of research and communications for St. Bourke in Atlanta. "From the very start we are looking for ways to value engineer our community designs, because minimizing development costs of the project will ultimately result in more affordable homes and ongoing homeowner costs. This includes working with the project's topography instead of against it by minimizing wetland impacts, avoiding stream crossings, and designing roads networks along the site’s natural contours."
A snapshot of the community garden at Cresswind Georgia at Twin Lakes.
are a great selling point for these communities as well, as sales and marketing teams can tap into the increased drive toward health and wellness.
Other examples include:
"Our Club Cresswind facilities across the southeast has focused on emphasizing pickleball and creating indoor and outdoor spaces that are multifunctional," Landers shared, adding that pickleball has become a staple amenity at a number of its communities. "New outdoor event plazas with food truck stations is just one example of this new design
page 21 www.ncbia.com September 2022
Fidler projects they will continue to be a key selling point moving forward as the market recalibrates following recent periods of high demand.
"Supply is rebounding, and potential home buyers will soon be back to having multiple options to choose from," she stated. "This is when factors like community layout and design, amenities and location will come back into play and influence home buying decisions.'
• Multifunctional spaces that can be used for a variety of resident of activities
September 2022 www.ncbia.com page 22
EYE ON HOUSING
NEW HOME SIZE Trends Reversing
n expected impact of the virus crisis is a need for more residential space, as people use homes for more purposes including work. During the housing boom of recent quarters, this led to a rise for new single-family home size. However, as the housing market weakens this trend appears to be reversing. According to second quarter 2022 data from the Census Quarterly Starts and Completions by Purpose and Design and NAHB analysis, median single-family square floor area inched down to 2,302 square feet. Average (mean) square footage for new single-family homes decreased to 2,498. Since Great Recession lows (and on a one-year moving average basis), the average size of new single-family homes is now 5.9% higher, while the median size is 10.3% higher. Home size rose from 2009 to 2015 as entry-level new construction was constrained. Home size declined between 2016 and 2020 as more starter homes were developed. Going forward we expect home size to face opposing determinants. A shift in consumer preferences for more space due to the increased use and roles of homes (for work among other purposes) will increase the demand for space, while tighter budgets due to elevated interest rates will reduce demand.
A
Prospect Yard
Do you have an outstanding adaptive reuse project to showcase? Applications are still open for BALA and the Multifamily Pillars of the Industry awards. Visit bestinamericanliving.com and nahb. org/pillars to learn more about these programs, their respective adaptive reuse categories and eligibility requirements.
Arabella
Vacant hotels: Zephyr, the 2020 Multifamily Pillars of the Industry winner for best adaptive reuse , took what had been a community eyesore — a rundown Motel 6 — and converted it into a veteran housing community, comprising 84 units.
Old factories: Arabella — the 2021 Best in American Living Gold winner for adaptive reuse — revamped what had originally been part of the Horlick Malted Milk Company complex in Racine, Wisc., into 60 units of market-rate/affordable apartments ranging from studios to three bedrooms.
EYE ON HOUSING
Zephyr
Grand Logan Lodge
Churches: The Grand Logan Lodge in Chicago — the 2021 Best in American Living Platinum winner for adaptive reuse — transformed a century-old church into a 15-unit apartment building featuring two- and three-bedroom units.
C
Take, for example, Prospect Yard — a 2020 Multifamily Pillars of the Industry finalist — and its reinvention of the historic Stuyvesant Motor Company, a 1917 mixed-use building in downtown Cleveland. Developers utilized the existing features, such as the brick façade, steel sash windows and stone sills, to create a cool, industrial-looking 42-unit affordable housing community.
page 23 www.ncbia.com September 2022
MAKING USE OF STRUCTURESEXISTING to Increase Housing Supply
Office buildings aren't the only options for increasing supply either. Creative development examples include:
Major metro areas are taking notice and looking for solutions to help provide much-needed housing. According to Spectrum News New York 1 , the Real Estate Board of New York "estimated converting just 10% of the more than 100 million square feet of potential office space would lead to 14,000 apartments." And Washingtonian recently reported that "nearly 4 million square feet of outdated office space in downtown DC is already being converted or is under evaluation for potential transformation." Although the conversion process can be challenging and expensive, it’s certainly not a new concept. And the results can be simply stunning.
ovid has left a lasting mark on virtually everything it has touched in the past two years — not least of which is the concept of remote work, which has had a drastic impact on the commercial real estate market as many office buildings remain vacant. And it doesn't look like it will let up any time soon: Forbes recently pointed to a study by the Conference Board of HR leaders that found "just 4% said they are requiring all employees to return to the workplace full-time."
Warranty book Updated and Available FOR ONLY $30 EACH! In a binder so you can include other walkthrough documents, warranties, etc. NEW HOME BUYERS LIMITED WARRANTY BOOKS NOW AVAILABLE Email your order to judie@ncbia.com New Home Buyers Limited Warranty and Standards Manual Caring for Your New Home Presented by: September 2022 www.ncbia.com page 24
D
At the other end of the lot size distribution, the share of spec homes built on larger lots exceeding half an acre shrunk from 12% in 2011 to 8% in 2021. The share of lots measuring between a quarter and half an acre declined from 24% to 17% over the last 10 years.
Record High Amid Pandemic
The median lot size of a new single-family detached home sold in 2021 now stands at 8,456 square feet, or just under one-fifth of an acre. This is slightly larger but statistically not different from the lowest on record median of 8,177 square feet set a year before the Covid-19 pandemic.
espite the pandemic-triggered suburban flight and presumed shifts in preferences towards more spacious living, a rising share of new for-sale homes were built on smaller lots According to the latest Survey of Construction (SOC), more than two thirds of new single-family detached homes sold in 2021 were built on lots smaller than one-fifth of an acre. This is the highest share on record and reflects stark changes in the lot size distribution since the Census Bureau started tracking these series 20 years ago when most single-family detached homes were occupying over one fifth of an acre.
The fact that a shift in speculatively built (or spec) home building towards smaller lots continued during the pandemic undoubtedly reflects unprecedented lot shortages confronted by home builders during the pandemic housing boom, as well as their attempts to make new homes more affordable.
The latest SOC data show that 67% of all new single-family detached homes sold in 2021 were occupying less than 1/5 of an acre. Going back to 1999, when the Census started tracking these data, the share was 46%. A persistent shift towards smaller lots, however, is a more recent phenomenon. The share of lots under one fifth of an acre was fluctuating around 48%, never crossing the 50% mark, until 2011. In contrast, the share rose rapidly during the last decade, from 50% in 2011 to 61% right before the pandemic and gained additional 6 percentage points during the two pandemic years.
A closer look at the lot size distribution during the last decade shows that most dramatic shifts took place at the lowest end, with lots under 0.16 acres increasing their share by 11 percentage points. In 2011, 28% of all sold single family detached homes were sitting on lots under 0.16 acres and additional 22% were occupying lots between 0.16 and 0.25 acres. Fast forward to 2021, these shares increased to 39% and 28%, respectively.
SHARE OF SMALLER LOTS
EYE ON HOUSING
BY: NATALIA SINIAVSKAIA
page 25 www.ncbia.com September 2022
SHARE OF SMALLER LOTS Record High Amid Pandemic
EYE ON HOUSING
In the South, the West South-Central division stands out for starting half of single-family detached spec homes on lots under 0.17 acres. This is significantly lower than the median lot sizes in the neighboring East South Central division where half of the lots exceed 0.29 acres.
The analysis above is limited to single-family detached speculatively built homes. Custom homes built on owner’s land with either the owner or a builder acting as the general contractor do not involve the work of a professional land developer subdividing a property. Therefore, in case of custom homes, lots refer to owner’s land area rather than lots in conventional sense. Nevertheless, the SOC reports lot sizes for custom homes and shows that they tend to have larger lots. The median lot size for custom single-family detached homes started in 2021 is just over one acre.
For the regional analysis, the median lot size is chosen over average since averages tend to be heavily influenced by extreme outliers. In addition, the Census Bureau often masks extreme lot sizes and values on the public use SOC dataset making it difficult to calculate averages precisely, but medians (as the midpoint of a frequency distribution) remain unaffected by these procedures.
September 2022 www.ncbia.com page 26
While nation’s production of spec homes shifts towards smaller lots, the regional differences in lot sizes persist. Looking at singlefamily detached spec homes started in 2021, the median lot size in New England is four times as large as the national median. New England is known for strict local zoning regulations that often require very low densities. Therefore, it is not surprising that single-family detached spec homes started in New England are built on some of the largest lots in the nation, with half of the lots exceeding 0.8 acre. The neighboring Mid Atlantic and more distant East South-Central divisions are next on the list with the median lot occupying just under a third of an acre.
The Pacific division where densities are high and developed land is scarce has the smallest lots, with half of the lots being under 0.14 acres. The bordering Mountain division also reports typical lots smaller than a national median, 0.17 acres.
page 27 www.ncbia.com September 2022 NPP now partners with Projul - The #1 rated Construction Management Software solution. NPP members receive 20% off Projul annual subscriptions or 10% off monthly subscriptions. Projul is an all-in-one construction management software that growing construction companies use to scale their business. Projul gives construction companies the ability to: ∙Manage and schedule all project leads and active projects in one place Easily create and send estimates, invoices and change orders ∙Contain and organize all pictures and project information into one place not on worker’s phones ∙ Task workers and approve time logs for payroll purposes faster than ever ∙Sync to QuickBooks Read more about Projul here: http://mynpp.com/offer/projul
by Vincent J. Squillace, CAE, OHBA Exec. VP
September 2022 www.ncbia.com page 28
OHBA EXECUTIVE VP COLUMN
As the entire US Congress and Ohio House, half the Ohio Senate and about a third of the US Senate are up for grabs, it warrants our close attention and thought. The Ohio governor and all statewide offices are up as well. Current thought in Ohio is that power will not shift, it’s only a matter of how big the majorities in the General Assembly will be. Of interest, who will be the next Speaker of the House as current Speaker Cupp is term limited. Two or three potentials have made the rounds in seeking support to be the next leader of the House
Thechamber.OhioChamber
ARE YOU READY FOR Some Football and Politics?!
of Commerce is actively involved in the three races for the Ohio Supreme Court. That is the arena where most of the hard-fought pro-business issues are decided. Many at the chamber fear significant gains won by the business community over the years may be at risk even with a business minded legislature. Look for a lot of action in this arena.
Yes
This current General Assembly adjourns sine die (expires) December 31st. Then a new General Assembly commences. However, from election day til adjournment the assembly can meet in what is termed the lame duck session. Many in the lobbying community are at work trying to find some place to insert an amendment during that process. We are well aware of the potential during this time and have an eye out for potential problems or opportunities. Never a day’s rest when the legislature is in session. In Ohio that is just about every day.
, the football season is on and so is the heat of the political season. Now, with early voting election day is just a month away. That means the campaign workers will be in your neighborhood, mailboxes full of ads and the airways dominated by political ads.
page 29 www.ncbia.com September 2022 NAHB NOW
-We have been very fortunate to be able to get Resorts World as an Ohio hotel. This property is less than 2 years old and is a part of the Hilton Hotels. This property has underground transportation to the LVCC. Starting at Resorts World you can get off at the West Hall, Central Hall and finally at the South Hall. The Resorts World connection has just been completed in the last month or so.
These connections are using Teslas for the connections. Obviously, the NAHB bus transportation will still be available. There will be a modest charge for the underground while the bus transportation is free with your Expo Badge. Register right away starting September 1ST for the free Expo Pass and make sure to get your hotel at that time as these 2 hotels will sell out quickly.
OHIO
• Employee assistance program (EAP)
NAHB NOW September 2022 www.ncbia.com page 30
• Train supervisors on managing workplace substance misuse
NEW OPIOIDAVAILABLERESOURCESTO
w
The researchers noted that workers in the construction industry are particularly susceptible to opioid misuse. Some workers, including young workers, seek medical treatment and are commonly prescribed opioids to relieve their pain. Having limited to no sick leave for recovery and poor job security can lead to workers coming to work when in pain and possibly under the influence of painkillers. But a formal, structured program can help prevent misuse. The guidelines lay out the essential elements of an effective prevention program, including:
• Educate employees on the risks of opioids
The residential construction industry has been paying more attention to the overall wellbeing of workers. In addition to the initiative on opioid and other drug addiction, NAHB has partnered to produce mental health and wellbeing resources for construction professionals. NAHB’s media partner, Pro Builder magazine, recently covered the elevated rate of suicides among construction workers, highlighting the efforts of NAHB and local HBAs.
Researchers pointed to a number of existing training resources, including those created by NAHB. Staff at NAHB also provided feedback on the guidelines for researchers.
The resources were developed in a partnership between Washington University and the Healthier Workforce Center of the Midwest at the University of Iowa and are available at OpioidsAndConstruction.com.
• Build a culture of care: Starts with a sincere belief from leadership that a healthy and empowered workforce is more productive and committed.
• Healthcare insurance and pharmacy coverage
As it becomes increasingly difficult to attract new workers to the construction trades, home builders will need to be more comfortable about shifting the culture of in the industry around mental health and drug addiction.
ashington University in St. Louis recently published comprehensive resources to help construction company owners and managers develop or expand programs to prevent opioid addiction among their workers.
Construction Workers
LICENSEDuhm.com/wdicapuabdicapua@uhm.com440-328-8433IN:OH,FL, SC, GA OH LO.007096.001 | FL LO47038 | SC MLO264936 | GA 264936
We are eager to help you enjoy your home more than ever with a custom home organization storage solution designed just for you and your needs. From your garage floor to your master closet, if you’ve got a space that needs some organizational help, we’ve got you covered. Tailored Living featuring PremierGarage of Cleveland West is independently owned and operated. That means when you choose to work with us, you are working directly with your local experts. Our proprietary 3D design software will let you see what your storage solution will look like before you sign anything. We do it all for you: Measuring, Design, Ordering, Tear Down, Installation and Clean Up. We’ll work closely with you to be sure your garage and interior space turns out exactly the way you want it. We look forward to meeting you and helping you live your life a bit more organized.
Welcome New Members!
Tony Bodak, Tailored Living of Cleveland West (Sponsored by Sara Majzun, Majzun Construction 6801 Engle Road, Suite O Middleburg Heights OH tailoredliving.com/Cleveland-west-ohtony.bodak@tailoredliving.com440130
My career began over 25 years ago with my passion for helping people reach their homeownership goals. Since 1993 thousands of home buyers have experienced my personalized and convenient service. I take pride in treating each client as if they are my own family while they are about to make one of the biggest financial decisions of their lives. I love to educate home buyers on the home buying process. I will always communicate and follow up with any questions that you may have now and, in the future, so that I can be thought of as your trusted mortgage consultant through each homeownership journey. Although we have the benefits of being “Hi-Tech”, we still pride ourselves on having a high touch relationship with our customers through our updates and communications. We have a multitude of experience within our branch ranging from Loan Officers to Processors to Production Assistants all working with a Team Approach giving our customers the best service available. Our normal business hours are Mon-Fri 9:00am-5:00pm but for the convenience of our customers, after hour appointments are made available upon request.
page 31 www.ncbia.com September 2022
As your local organizational Specialists, Tailored Living featuring PremierGarage is dedicated to bringing Cleveland West outstanding service and personalized organization solutions to fit your home and lifestyle. Let us help you find the best storage solutions for your home and garage.
Bill DeCapua, Union Home Mortgage (Sponsored by Tim King, K. Hovnanian Homes) 5061 N. Abbe Road #4 Sheffield Village OH 44035
William Gill, William Gill Construction, Inc.
September 2022 www.ncbia.com page 32
Duane Graffice, Dauch Concrete Company, Inc.
Bob Pogorelc, Pogie’s Catering & Clubhouse
Kara Odom, Northwest Bank
Ray Swift, K. Hovnanian Homes
Thanks for Renewing!
Joann Dosztal, JD Custom Design
Sara Majzun, Majzun Construction Co.
Lisa Matuszak, First Federal Savings of Lorain Mary H. Felton, Guardian Title
Kevin Bolden, Bolden Home Improvements
Michael Bossetti, Makena Construction
Cathy Emery, Sims-Lohman Fine Kitchens & Granite
Donna Templeton, Howard Hanna Real Estate
Mike Martin, Third Federal Albert Gasparini, Traditional Marble & Granite
Beth Grayson, Home Appliance Sales & Service
Sorry to See You Go!
Michael Griffin, M.J. Griffith Paving, Inc.
Kelly Christy, French Creek Builders
Keith Sherrill, KB Sherrill Construction
John Chandler, Howard Hanna Real Estate
Todd Tomasheski, Plas Brothers Paving, Inc.
Tyra Lehman, Network Land Title Agency
Keith Raymond, Raymond Plumbing, Heating & Air Conditioning
Chris Collins, Carter Lumber
Jim Dosztal, JD Custom Design
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John Toth Floor Coverings International 12.00
Tim Hinkle Green Quest Homes 6.50
SUPER SPIKE (250-499 SPIKE CREDITS)
Lindsay Yost Bott Dale Yost Construction 6.00
Sara Majzun Majzun Construction Co. 215.50
Jeff Hensley Lake Star Building & Remodeling............ 182.25
Ryan Puzzitiello Parkview Homes 135.00
Jason Scott .................... North Star Builders..................................... 120.50
Terry Bennett Bennett Builders & Remodelers 302.25
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Chris Mead Maloney & Novotny, LLC 77.50
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THANK YOU SPIKES!OurSPIKES
Dave Linna Sr. Linna Homes & Remodeling 137.50
Tim Conrad Graves Lumber 67.00
Patrick Shenigo ShenCon Construction, LLC 107.50
are FOUNDATIONOur
Chris Majzun Jr. .......... Majzun Construction Co............................ 265.00
Scott Kosman Lakeland Glass 7.50
BLUE SPIKE (6-24 SPIKE CREDITS)
Jim Sprague Maloney & Novotny, LLC ......................... 94.00
LIFE SPIKE (25-49 SPIKE CREDITS)
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Tom Lahetta Tom Lahetta Builders 166.50
Chris Majzun Sr. Majzun Construction Co 106.50
John Daly Network Land Title 26.50
John Blakeslee Blakeslee Excavating, Inc 10.00
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Ashley Oates Cambria 9.00
Mike Chambers Charles, Morgan & Company 8.50
Jeremy Vorndran 84 Lumber 55.50
Thomas Caruso ............ Caruso Cabinets 113.75
Mark McClaine 84 Lumber 9.00
Bucky Kopf Kopf Construction Corp. 203.50
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RED SPIKE (100-149 SPIKE CREDITS)
STATESMAN SPIKE (500-999 SPIKE CREDITS)
Mike Warden Huntington 10.00
Jim Tipple Maranatha Homes 6.00
Chris Collins ................ Carter Lumber 16.00
Tom Sear Ryan Homes 101.25
Ray Allen Thom Thom Concrete 59.50
Dave LeHotan All Construction Services 10.00
Bill Perritt Perritt Building Co 225.50
Aaron Kalizewski Grande Maison Construction 69.50
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Steve Fleming Shamrock Development 9.00
Bob Yost Dale Yost Construction 679.75
Mary H. Felton Guardian Title 516.00
Ken Cassell Cassell Construction................................... 13.50
ROYAL SPIKE (150-249 SPIKE CREDITS)
GREEN SPIKE (50-99 SPIKE CREDITS)
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September 2022 www.ncbia.com page 34
Steve Schafer Schafer Development 30.50
Jack Kousma ................ Kousma Insulation ..................................... 287.50
Liz Schneider Dollar Bank 45.50
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Randy K. Strauss ......... Strauss Construction .................................. 179.50
OHBA Executive Vice President, Vince Squillace, and Dayton homebuilder and OHBA Past President, Charlie Simms, participated in a live streamed zoom on housing. Organized by the Dayton Daily News, a virtual panel of experts discussed this boom in local housing developments, how affordable housing options created today will shape our region in the years to come, and the concerns some community members have about these plans. The other panelists included, Adam Blake, Vice President of Housing for County Corp, Tawkiyah Jordan, Senior Director for Housing and Community Strategy at Habitat for Humanity International, Amy Riegel, Executive Director of Coalition on Homelessness and Housing in Ohio and Matt Sauer, Dayton Plan Board member and architect. To view the hour-long discussion, click the link below.
OHBA TAKES PART IN DAYTON HOUSING PANEL
AUGUST 25, 2022, REPORT #11
Direct Dial- 614/228-6648
LEGISLATIVE REVIEW
As the legislature prepares to come back for its lame duck session, OHBA will continue to have discussions on housing and ready for the House and Senate’s return. A few items likely to be on the agenda are SB 329 Property Tax, sponsored by Senator Schuring, which would authorize certain subdivisions to designate areas within which certain residential property is wholly or partially exempted from property taxation, the creation of a state LIHTC program, and distribution of ARPA funds for low-income housing.
Feelhttps://fb.watch/f61doGZDve/freetocontactOHBAwith any questions.
At its meeting Wednesday, the Residential Construction Advisory Committee (RCAC) heard from petitioners on the adoption of the 2020 National Electric Code (NEC). After a lengthy presentation on the potential changes to the code, the RCAC held off any action until further discussion at its October meeting. There are several Ohio amendments in the current NEC adopted in Ohio, and amendments will be considered to the 2020, as well.
RCAC REVIEWS PETITION TO ADOPT 2020 NEC
The next RCAC meeting is scheduled for Wednesday, October 19th. Please contact OHBA with any questions.
Ohio Home Builders Association
Toll Free- 800/282-3403 ext. 1
page 35 www.ncbia.com September 2022
he National Association of Home Builders (NAHB) officially opened online registration today for the 2023 NAHB International Builders’ Show® (IBS), the largest annual light construction trade show in the world.
An Expo+Education Pass gives attendees 3-day access to all IBS Education sessions. This includes a choice of 100+ sessions led by renowned experts on a wide range of industry topics, as well as daily keynotes and sessions led by high-profile speakers on industry trends. And for those looking to make the most of their show experience, there are several pre-show learning opportunities available on January 29-30, for additional fees. As part of the pre-show offerings, NAHB Education will host one-day courses that delve deep into industry topics, all while earning NAHB continuing education credits. A new addition to this year’s show, the Pro Builder and Pro Remodeler’s U40 Leadership Summit is a one day educational and networking event for young housing industry leaders. And for a deeper dive into specific industry topics, attendees can participate in Pre-Show Master Workshops, in-depth, 3-hour intensive programs held the day before the show officially kicks off. The IBS show floor is always buzzing with innovative products and dynamic demonstrations. IBS attendees will have the opportunity to experience exciting show floor destinations including the Start-up Zone, featuring a glimpse of products or services that are predicted to shake up the residential construction industry, and the Home Technology Solutions Pavilion, showcasing what’s next in emerging construction technology. IBS attendee favorites like the Building Zone, nextBUILD and the Jobsite Safety Zone will also return in 2023. In addition to the indoor show floor exhibits, attendees always enjoy the impressive outdoor exhibits including the Pro Builder Show Village.
Furthering this year’s offerings, in addition to IBS and KBIS, registrants can now attend a third industry show at the same place and time with just one badge. Registration for IBS will also allow you access to the show floor of the National Hardware Show (NHS).
Registration Now Open for 2023 NAHB International Builders' Show in Las Vegas
NAHB International Builders' Show® January 31 - February 2 | Las Vegas | #IBS2023 NAHB NOW September 2022 www.ncbia.com page 36
“There is a reason IBS is considered the essential industry experience for anyone involved in residential construction,” said NAHB Chairman Jerry Konter, a home builder and developer from Savannah, Ga. “Being able see all of the latest products, learn from experts on a range of educational topics and network with peers from across the globe all in one place, makes it an event not to be missed. And to have the added opportunity of being able to explore the exhibits of two other industry shows is an especially great value.”
T
IBS will take place in person at the Las Vegas Convention Center, Jan. 31-Feb. 2, where it will again co-locate with the National Kitchen & Bath Association’s (NKBA) Kitchen & Bath Industry Show® (KBIS) for the 10th Annual Design & Construction Week® (DCW). The two shows are expected to host more than 1,300 exhibiting brands spanning over 985,000 net square feet of exhibit space, for the largest annual gathering of the residential design and construction industry in the world.
Contacts: Elizabeth (202)266-8254Mediaspagan@nahb.orgStephanie(202)266-8495ethompson@nahb.orgThompsonPaganRelationsManager
• $100s in savings for the Expo+Education Pass for members and non-members
Registration Now Open for 2023 NAHB International Builders' Show in Las Vegas ( Cont..)
The NAHB International Builders’ Show is not open to the general public. Building industry professionals and their affiliates are invited to register by visiting the show’s website at BuildersShow.com
page 37 www.ncbia.com September 2022
Numerous networking opportunities, social gatherings, interesting speakers, and special events are also among the show’s many draws. The 2023 show will kick off on the morning of Jan. 31 at the DCW Opening Ceremonies featuring a moderated Q&A with the country’s leading advocate for skilled trades, Mike Rowe. That evening registrants can attend the Official IBS House Party at Drai’s Beachclub & Nightclub. Other events throughout the week include the Young Pro Party Wednesday night, followed by the DCW Closing Concert immediately after the show floor closes on Thursday night.
• FREE Expo Pass for members & dealers/distributors
• $50 Expo Pass for non-members
• Save on a 1-Day Education Pass
[Editor’s Note: Complimentary registration is available to credentialed members of the working press. Visit Designandconstructionweek.com/ press for more information or to register.]
NAHB NOW
Attendees can also tour NAHB’s official IBS show home, The New American Home® (TNAH). The home is a short bus ride from the Convention Center and is designed to showcase innovative building technologies, emerging design trends and the latest building products. Products showcased in the home are provided by members of the NAHB Leading Suppliers Council, and Professional Builder magazine will once again serve as the media sponsor of the 2023 TNAH.
During September, IBS registrants can take advantage of several discounts with all registration options providing access to the exhibits of all 3 shows! A full list of offerings can be found at BuildersShow.com/ fees, and featured discounts include:
• Register your spouse FREE
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save 5-10% online when using any payment method. Plus, all benefits of the new Lowe’s Pro MVP Pro Rewards Program including gift cards, prizes and points. To receive benefits, sign up or ensure your online Pro account is linked to NAHB Organizational Code with NAHB1.
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Celebrate 50 years of the most magical place on earth! Throughout this incredible 18-month event, discover classic favorites and exciting adventures across all four Disney parks – Magic Kingdom, Epcot, Disney’s Animal Kingdom, and Hollywood Studios. NAHB members can save up to $80 off gate prices!
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If you are not contesting the claim or its compensability, your focus should move to helping your injured workers get the necessary treatment they need to quickly return to full duty employment.
For most employers, workers’ compensation is one of a thousand items that require their attention daily. Most workers’ compensation professionals will tell you that the best injury is one that never happens. The reality is that there are 249,000 private and public Ohio employers incurring approximately 85,000 allowable injuries on an annual basis (Source: Ohio Bureau of Workers Compensation 2019 Annual Report).
Having a standardized injury reporting process and claim investigation mandate in place before an injury happens means that you will have tools at your disposal to quickly analyze what happened, is it work related and are there any red flags that will lead you to contest the claim. Your Managed Care Organization (MCO) can provide your company with guidance on any questions related to injury reporting and seeking BWC (Bureau of Workers Compensation) authorized provider medical treatment. The injured worker will need to complete a First Report of Injury (FROI), which is the BWC form required for filing a claim application. It is also a good best practice to have your employee complete a supplemental accident report that is specific to your work environment and expands on some of the important questions that arise during an injury investigation, such as – were there any witnesses? Did you immediately notify your supervisor?
Once a claim application is filed with the BWC, things begin to move quickly and your window of opportunity to minimize the impact is small. The most common type of compensation is Temporary Total (TT). This is when the BWC pays the injured worker a portion of their regular pay to cover their lost wages while recovering from an allowed injury.
If you can accommodate a return to light duty while the treatment moves forward, then making a light duty job offer will prevent the claim from flipping from “medical only” to “lost time”. It will also keep your injured worker from getting used to being off work because of the injury. If light duty is not an option, then another path is to pay the claimant their regular wages – also known as salary continuation -while they are off work.
page 39 www.ncbia.com September 2022
Managing a workers’ compensation program can be simplified by implementing a few standardized processes that will make it easier for you to minimize lost days, control your costs and maintain productivity in your business.
Minimizing Claim Costs
Navigating Ohio’s workers’ compensation system
Early Claim Intervention
DidNearrobert.nicoll@sedgwick.commisses–aretheyimportant?youknowthatmanycompanies
the workers’ compensation system can feel frustrating and at times complicated, but with your MCO and TPA partners you have access to subject matter experts that can make your job easier and keep your premiums down. If you have any questions, contact our Sedgwick program manager, Bob Nicoll at (330)-418-1824 or email
Other Cost Containment Options
Handicap Reimbursement – The BWC currently has a program in place to recognize pre-existing conditions that negatively impact the allowed conditions or the injured worker ’s recovery from the allowed condition. The BWC will hold an informal conference with the employer/Third Party Administrator (TPA) to review the application and the medical that supports the request and then will determine an impact percentage between 0% and 100%. This percentage relates to the amount of “relief” the employer will receive due to filing a successful application. Subrogation/No Fault MVA (Motor Vehicle Accident) – When a third-party is the cause of a workplace injury there may be relief that can be pursued to offset the cost of the claim. The most common example is an employee’s claim that is the result of a non-at-fault vehicle accident involving a third Navigatingparty.
When a claim is allowed the BWC attaches a reserve to estimate and cover future costs. There are several ways to minimize the impact a reserve has on your annual premiums: Settlement – the most effective way to close a claim and prevent future costs from being applied is to negotiate a full and final settlement with the injured worker. The settlement amount is paid out of the claim by the BWC, the cost is added to the overall claim cost and the injured worker receives monies in lieu of future treatment and compensation.
But reporting near misses is a valuable source of information. This allows organizations the opportunity to hazardsidentify or weaknesses and address them before an injury occurs.
September 2022 www.ncbia.com page 40
do not report near misses, and as a result, an injury occurred? OSHA says, near-miss“A
is a potential hazard or incident in which no property was damaged and no personal injury was sustained, but where, given a slight shift in time or position, damage or injury easily could have occurred.” Many times, near misses may go unreported for several reasons, such as no company policy or not encouraging it.
REMEMBER: This is not an all-encompassing list; your organization’s list may include other types of near misses.
• Train employees on how to report near misses.
1. Unsafe conditions such as a slippery walk area.
• Make sure near misses become a part of your Incident Investigation Policy
4. Events where an injury could have occurred but did not.
There are many ways to identify a near miss. They are like accidents, but luckily, no serious injury occurred. missesNear may be identified as:
3. Minor incidents and injuries that had the potential to be more serious such as using the wrong tool for the job.
Some additional tips on near misses:
6. Events where safety barriers were not being used.
5. Events where property damage could have resulted but did not.
*As you can see, near misses also include potential property damage and potential spills to the environment.
• Create the safety culture that near misses are an important tool to help reduce or eliminate injuries.
*
• Teach employees and management the importance of near miss reporting.
• Ensure to follow through with near miss investigations so employees see positive results.
page 41 www.ncbia.com September 2022
2. Unsafe behaviors such as someone not following safety protocols or wearing the correct PPE.
Near misses must be treated just as you would any other incident investigation. Create a culture that helps recognize near misses in the workplace and how to resolve them. If you can demonstrate over time, that reporting near misses are an important piece of your safety program, you are well on your way to success!
7. Events where potential environmental damage could have resulted but did not.
• Treat near misses as any other investigation and include determining root causes and talking with witnesses.
• Discuss near misses at monthly safety meetings or toolbox talks and post on a bulletin board.
For more information, please contact Sedgwick’s Andy Sawan at 330.819.4728 or andrew.sawan@ sedgwick.com
• Both reporting and investigating on near misses demonstrate a company’s proactive approach to an effective safety program.
Call for Entries
Rev. 10/19/2021 REV. 6/2/2023
Entry Requirements:
◊ Provide two testimonials from homeowners whose homes you have completed within the contest time frame.
◊ Entry must have been created, produced, or marketed between November 1, 2021and October 31, 2022.
Marketing:
◊ Submit photos of front elevation, kitchen, master suite and one room of choice.
Why Enter?
Eligibility
◊ Complete entry must be received by the NCBIA no later than November 30, 2022. There will be no exceptions to entry deadline.
◊ Provide a list of community events that your company was involved in.
Entry Preparation
Entry Fee: $75
◊ Candidate must be a full-time builder.
◊ Please submit a paragraph explaining why you (or the person you are nominating) deserves this award.
◊ Provide a set of plans (front elevation & plans) without identifying your company name or location of home.
◊ Include an explanation of why this is your most impressive project during this time frame.
AWARD CATEGORIES
◊ Circle of Excellence celebrates the top projects completed by the builders, remodelers, and associates of the North Coast Building Industry Association (NCBIA).
◊ Winning a Circle of Excellence award allows your company to advertise to consumers as an “awardwinning” company.
◊ Entry may be submitted via email with one attachment of required items, or in a binder delivered to the NCBIA
◊ The candidate must be a NCBIA member in good standing.
◊ Payment of the entry fee must accompany entry.
Customer Service:
BUILDER OF THE YEAR
Community Involvement:
◊ Each entry must be sent separately, clearly marked with what category it is for and who is submitting it.
Customer Service:
Entry Fee: $75
◊ Provide two testimonials from homeowners or business owners whose projects you have completed within the contest time frame.
◊ Include an explanation of why this is your most impressive project during this time frame.
NCBIA Involvement:
Community Involvement:
◊ List committee(s) on which you have served.
◊ Submit one copy of the plan.
Entry Requirements:
◊ Candidate must be a member in good standing of the NCBIA.
Entry Fee: $75
BEST PRODUCTION HOME
◊ Please submit a paragraph explaining why you (or the person you are nominating) deserves this award.
Under 2,000 square feet
◊ Provide a list of community events that your company was involved in.
2,001-3,000 square feet 2,001-3,000 square feet 3,001-4,000 square feet 3,001-4,000 square feet Over 4,000 square feet Over 4,000 square feet
Entry Fee: $75 per entry
ASSOCIATE OF THE YEAR
◊ Submit color photo of each: exterior, main living area, master suite, kitchen, and rooms/area of your
◊ Provide a list of community events that your company was involved in.
◊ Submit four photos (before and after) of your most impressive project.
REMODELER OF THE YEAR
Entry Requirements:
◊ List special events with which you were involved.
Marketing:
Community Involvement:
◊ Please submit a paragraph explaining why you (or the person you are nominating) deserves this award.
Marketing:
Best Single-Family Product Design
◊ Provide 2 testimonials from customers.
Best Condo/Cluster Product Design
Under 2,000 square feet
Entry Requirements:
3,001-4,000 square feet
Entry Fee: $75 per entry
Entry Requirements:
◊ Brief description of the project.
BEST CUSTOM HOME
Best
◊ Best
◊ Brief description of the project.
◊ Submit description of community Submit plat.
Categories:
◊ Best
Entry Fee: $75 per entry
Entry Fee: $75 per entry
Over 4,000 square feet
◊
◊ Best
BEST COMMUNITY
choice.
◊ Residential Landscape Commercial Landscape
◊
Entry Requirements:
Best Single-Family Custom Home
◊ Submit one copy of the plan. Submit color photo of each: exterior, main living area, master suite, kitchen, and rooms/area of your choice.
Under 2,000 square feet
◊ Submit before and after photo(s). Brief description of the project.
Entry Requirements:
2,001-3,000 square feet
BEST LANDSCAPE DESIGN
Categories: Single-Family Community Cluster/Condo Community
◊
BEST ACHIEVEMENT IN NEW HOME SALES
◊ Total volume closed transactions between November 1, 2021 and October 31, 2022.
◊ Describe the primary responsibilities of the nominated person.
◊ Explain why this person should be recognized.
Platinum Award $10,000,001 and over
Entry Requirements:
◊ All entry forms must be validated by the builder with list of transaction, total volume of transaction and date transaction closed.
Builder Categories Associate Categories
◊ Must be new home construction sales.
Entry Fee: $75 per entry
Entry Requirements:
BEST KITCHEN REMODEL
BEST SUPERINTENDENT/PRODUCTION MANAGER
Silver Award $2,000,001-$5,000,000
Bronze Award $1,000,000-$2,000,000
BEST MARKETING
Entry Fee: $75 per entry
◊ Submit before and after photo(s).
◊ Brief description of the project.
Under O$50,001$50,000-$100,000 ver $100,000
Entry Fee: $75 per entry
◊ Submit copy of marketing piece
Best Marketing Piece (online or print - Best Marketing Piece (online or printAd, Brochure, Flyer, Newsletter) Ad, Brochure, Flyer, Newsletter) Best Website Best Website
Gold Award $5,000,001-$10,000,000
Entry Requirements:
Categories:
◊ Must be a salesperson representing a builder.
Entry Fee $75
BEST ADDITION
Over 3,000 square feet
Under O$50,001$50,000$100,000ver$100,000
Under 3,000 square feet
◊ Submit before and after photo(s).
Entry Requirements:
◊ Submit before and after photo(s).
◊ Submit one copy of the plan.
◊ Brief description of the project.
◊ Brief description of the project.
Entry Requirements:
◊ Submit before and after photo(s).
Under O$50,001$50,000-$100,000ver$100,000
Entry Requirements:
BEST BASEMENT REMODEL
◊ Brief description of the project.
Entry Fee: $75 per entry
BEST COMMERCIAL BUILD
◊ Submit color photo of each: exterior & up to 4 interior photos.
◊ Brief description of the project.
Entry Requirements:
Entry Fee: $75 per entry
Under O$25,001$25,000$50,000ver$50,000
BEST BATHROOM REMODEL
Entry Fee: $75 per entry
Entry Fee: $75 per entry
Entry Requirements:
BEST COMMERCIAL REMODEL
◊ Submit before and after photos.
Under $150,000
Entry Fee: $75 per entry
Over $150,000
◊ Brief description of the project.
Register for Your Categories Today!
City,Address:______________________________________________________________________________Person:________________________________________________________________________State&Zip:_______________________________________________________________________Emailaddress:_________________________________________________________________________#ofEntries___________X$75perentry=TotalAmountDue:__________________________________CheckEnclosedMadePayabletoNCBIASendInvoicePaybyCreditCardCreditCardAuthorizationNameonCard:________________________________________________________________________BillingAddress:________________________________________________________________________CardNumber:_________________________________________________________________________Expiration:CRV:_______________________________________________________________________Signature:____________________________________________________________________________
Once entry form is received, information on how to upload your entries will be emailed to you.
•Award Ceremony: Saturday, January 7, 2023
If you would rather call me with credit card information – 440-289-4284 Judie or email (judiencbia@gmail.com) by Tuesday, November 15, 2022
-
Important Dates:
•Deadline for Entry Forms: Tuesday, November 15, 2022
Company Name (as you would like it to appear on an award): ___________________________________ Contact
•Deadline to Upload Entries Online: Monday, November 8, 2022
□ Over 4,000 square feet CUSTOM
BEST LANDSCAPE DESIGN □ Best Residential Landscape □ Best Commercial Landscape BEST COMMUNITY □ Best Single-Family Community □ Best Cluster/Condo Community □ BEST SUPERINTENDENT/PRODUCTION MANAGER Company Name: Contact Person: Entries: Please check the categories below that you are entering.
□ Over 4,000 square feet
□ 2,001-3,000 square feet
□ 3,001-4,000 square feet
□ 3,001-4,000 square feet
□ 3,001-4,000 square feet
□ Under 2,000 square feet
BEST
BEST PRODUCTION HOME – SINGLE FAMILY PRODUCT DESIGN
BEST PRODUCTION HOME – CONDO/CLUSTER PRODUCT DESIGN
□ Under 2,000 square feet
□ Under 2,000 square feet
□ 2,001-3,000 square feet
BEST
HOME - BEST SINGLE-FAMILY CUSTOM HOME
□ BUILDER OF THE YEAR □ REMODELER OF THE YEAR □ ASSOCIATE OF THE YEAR
□ 2,001-3,000 square feet
□ Over 4,000 square feet
□ Over $100,000
□ Under $150,000
□ Under $50,000
□ Under $50,000
□ Gold Award $5,000,001-$10,000,000
□ Under $50,000
□ $50,001 - $100,000
BEST COMMERCIAL BUILD
□ Over $100,000
BEST ADDITION
BEST COMMERCIAL REMODEL
□ $50,001 - $100,000
Company Name: Contact Person:
BEST ADVERTISEMENT - BUILDER CATEGORIES
□ Over $100,000
□ Best Marketing Piece (Ad, Brochure, Flyer, Newsletter)
BEST BASEMENT REMODEL
□ Over $150,000
□ $50,001 - $100,000
BEST ACHIEVEMENT IN NEW HOME SALES
□ Silver Award $2,000,001-$5,000,000
□ Under $25,000
□ Over $50,000
BEST ADVERTISEMENT - ASSOCIATE CATEGORIES
BEST BATHROOM REMODEL
□ $25,001 - $50,000
□ Best Marketing Piece (Ad, Brochure, Flyer, Newsletter)
□ Best Website
□ Best Website
□ Over 3,000 square feet
BEST KITCHEN REMODEL
□ Bronze Award $1,000,000-$2,000,000
□ Platinum Award $10,000,001 and over
□ Under 3,000 square feet
CUSTOMER NAME Earn Speedy Rewards on eligible purchases at Speedway. Special Association Discount for the North Coast Building Industry Association SuperFleet Mastercard® Association Fueling Program A fuel card program designed with associations in mind. Call Holden Moll at 1-760-918-5933 or email holden.moll@fleetcor.com to start earning your association savings! Be sure to reference the North Coast Building Industry Association for your special 25¢ discount. EARN AN ADDITIONAL 25¢ PER GALLON!† • Save 5¢ per gallon at Speedway locations* • Over 3,400 fueling locations in the U.S. • Over 175,000 locations nationwide that accept Mastercard cards** • Custom card controls and increased security • Online reporting and account management †Limited time offer valid for new Speedway SuperFleet Mastercard applications received from 3/7/2022 through 12/31/2022. New approved accounts will earn 25 cents per gallon rebate on Speedway fuel purchases in the first three months after account setup. Rebates are cents per gallon based on the number of gallons purchased at Speedway locations per calendar month. The maximum promotional rebate in any one-month period, regardless of billing terms, is $500. Rebates are subject to forfeiture if account is not in good standing. *Rebates are cents per gallon based on the number of gallons purchased at Speedway locations per calendar month. Rebates will be reflected on your billing statement in the form of a statement credit. Not valid on aviation, bulk fuel, propane or natural gas purchases. Rebates are subject to forfeiture if account is not in good standing. Program pricing is subject to change any time beginning 12 months after sign-up. **Please see Client Agreement – at www.fleetcor.com/terms/superfleet-mc – for rate, fee and other cost and payment information. Fuel purchases at locations other than Speedway locations are subject to an out-of-network transaction fee. The SuperFleet Mastercard® is issued by Regions Bank, pursuant to a license by Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. © 2022 FLEETCOR, P.O. Box 1239, Covington, LA, 70434.
If any current member refers another business, that member will receive a $50.00 credit to their billing statement once the new business they referred begins to fuel at Speedway. PLEASE NOTE TO BE ELIGABLE ALL APPLICANTS MUST GO THROUGH YOUR ASSOCATION REP FOR SPEEDWAY HOLDEN MOLL. JUST HAVE YOUR NEW MEMBER TELL HOLDEN WHO RECOMMENDED THEM. Holden F Moll Site Management 1902faxc.o.760.918.5933Team442.291.9833760.918.5932WrightPlSte.200Carlsbad,CA92008 Holden.moll@fleetcor.com
Required
BUSINESS OWNER/ACCOUNT PRINCIPAL for all businesses excluding public corporations, non-profits, governments all persons 25% of business. Please use the Appendix to record additional owners. Signature Required (Representative acknowledges receiving fuel pricing and payment terms) Initial Here: Read Carefully: FleetCor Technologies Operating Company, LLC (“FleetCor”) operates the SuperFleet Mastercard product. This application is made to FleetCor. By signing this application, Customer authorizes FleetCor to check Customer’s credit references and the information on this application and to obtain consumer or commercial credit reports to check Customer’s credit standing, both for this application and for the updates of Customer’s credit file and renewals of Customer’s SuperFleet Mastercard card(s). Customer acknowledges that this application is subject to approval and acceptance of Customer by FleetCor in Louisiana. If this application is approved, then Customer will be notified of its available credit/spend limit, and Customer will not allow its unpaid account balance to exceed its credit limit. Customer agrees that Louisiana law governs the terms and conditions of the SuperFleet Mastercard card(s), which terms and conditions will accompany the card(s) if this application is approved ("Card Terms"). Customer’s accepting, signing, or using any SuperFleet Mastercard card(s) will constitute Customer’s acceptance of those terms and conditions including, without limitation, Customer’s unconditional obligation to pay for all use of SuperFleet Mastercard cards provided to Customer and all use of Customer’s account each billing cycle, as well as all interest, fees and costs associated with such cards and account. The account is not a revolving credit account. Customer agrees that any liability arising or resulting from the misuse, unauthorized use, loss or theft of any one or more of the cards issued or of Customer’s account shall be fully borne, assumed and paid by Customer except as provided by applicable law and the Card Terms. Customer also agrees that Customer will exclusively use the SuperFleet Mastercard card(s) for commercial purposes and understands that Customer’s card(s) may be canceled if Customer uses them for personal, family, or household purposes. In the event that Customer’s account is turned over to a collection agency or an attorney for collection, Customer agrees to pay all such costs, fees and expenses of such agency or attorney, including, without limitation, court costs and out-of-pocket expenses. By signing below, Customer confirms that everything it has stated in this application is correct and that the signing authorized representative is duly authorized to enter this relationship on behalf of customer.
or more
and educational institutions. Required for
Principal First Name Middle Initial Last Name Signature (Principal) Principal Street Address (No PO Boxes) Social Security # Date of Birth City State Zip Home Phone # Cell Phone # Legal Company Name (limit to 28 characters)* Subsidiary or DBA (limit to 20 characters) Primary Fleet Contact First Name* Last Name* Title* Account Security Code (For Card Activation & Customer Service) – 5 NUMBERS* Card Delivery Street Address 1 (No PO Boxes)* Business Phone #* Cell Phone # Fax# Card Delivery Street Address 2 Type of Business* Years in Business* Full Time Employees* City* State* ZIP* Estimated Monthly Charges/Spending ($)* Estimated Monthly Gallons* Company Billing Street Address 1 (If Different Than Card Delivery Address) # of Vehicles* # of Drivers # of Cards Needed Company Billing Street Address 2 FederalTax ID #* City State ZIP Statement Delivery Method: Electronic Paper Email Address*: Type of Organization*: Authorized
I agree to theTerms of this Application (Please check box) o Does this person have significant responsibility for managing the legal entity listed above? Yes No SuperFleet Mastercard Program Application FAX Application to 1-760-918-5932 or email to holden.moll@fleetcor.com For more information contact Holden Moll at 1-760-918-5933 BUSINESS INFORMATION (Required) Please tell us about your business: o Sole Proprietorship o Partnership o Non-Profit Government & Educationo Private Corporation LLC LLPo Public Corporation The SuperFleet Mastercard® is issued by Regions Bank, pursuant to a license by Mastercard International Incorporated. Mastercard is a registered trademark of Mastercard International Incorporated.
Please
***OFFICE USE ONLY*** Market: Rep ID: Rep Name: ATS Code (last 4 digits): *Required Field Print Name* (Authorized Representative) Signature* (Authorized Representative) Title: Telephone #: Date*:
owning
