North Coast BIA 2016Dec Builder Newsletter

BUILDER North Coast Building Industry Association

NEWSLETTER

north coast bia, sheffield village, oh 44035 www.ncbia.com december 2016 - vol. xxxviii - no. 7

Thank You!

Mary H. Felton NCBIA President 2015-2016 www.ncbia.com

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BUILDER north coast building industry association

Table of Contents On the Cover

NEWSLETTER

North Coast Building Industry Association (NCBIA) BUILDER newsletter is the official newsletter of the NCBIA and is published bi-monthly by the NCBIA. The NCBIA is an affiliate of the Ohio Home Builders Association (OHBA) & the National Association of Home Builders (NAHB).

OHBA Legislative Review

Cover Story: Thank You from President Mary H. Felton

NCBIA Office

5201 Waterford Dr., Sheffield Village, OH 44035 Ph: 440.934.1090 Fax: 440.934.1089 info@ncbia.com www.ncbia.com

25

Letter from the President

NCBIA Staff Executive Officer - Judie Docs

judie@ncbia.com

Thank You For Renewing

Promotions, Marketing & Creative Director - Kelli Moss

kelli@ncbia.com

4 6

2016 NCBIA Officers

5-6

Talk Nerdy To Me

9

Welcome New Staffer

9

Executive Officer’s Report

10

Young Professionals Beer Tasting

11

Installation Banquet Information

19

2017 Calendar of Events

20

Spike Update

22

SuperFleet Application

26-27

President - Mary H. Felton, Fidelity National Title Treasurer - Steve Fleming - Shamrock Development Secretary - Liz Schneider, Dollar Bank

2016 NAHB & OHBA Directors

2016 NCBIA Board of Directors

Mark Craig, Mark F. Craig, Esq. Jeff Hensley, Lake Star Building & Remodeling Chris Husted, Prete Builders Keith Martin, MBD Homes Timothy McLaughlin, Wells Fargo Advisors, LLC Michelle Nowlin, First Federal Savings of Lorain Tom Sear, Ryan Homes Tyler Yost, Dale Yost Construction Jeremy Vorndran, 84 Lumber Company

These are our members who represent our local industry in Washington DC and Columbus.

2016 NAHB Director Bob Perritt

R.J. Perritt Homes

NAHB Alternate Director Jack Kousma

Kousma Insulation

Sr. NAHB Life Director & Ohio’s State Rep. to NAHB Randy Strauss

NCBIA Life Directors

Strauss Construction

OHBA Past Presidents

Tom Caruso, Caruso’s Cabinets Mary H. Felton, Fidelity National Title Tom Lahetta, Tom Lahetta Builders, Inc. Chris Majzun, Sr., Majzun Construction Co. Chris S. Majzun, Jr., Majzun Construction Co. Randy Strauss, Strauss Construction Bob Yost, Dale Yost Construction

Dan Strauss 1975

Randy Strauss 1996

2016 OHBA Director Mary H. Felton Tom Lahetta

Fidelity National Title Tom Lahetta Builders, Inc.

OHBA Alternate Director Jeff Hensley

Lake Star Building Company

OHBA Life Directors 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.

december 2016

Tom Lahetta Chris S. Majzun, Jr. Randy Strauss

Tom Lahetta Builders, Inc. Majzun Construction Co. Strauss Construction

OHBA Area 2 Vice-President Tom Daniel

www.ncbia.com

Thomas Daniel Construction

page 3

A Letter from the President

by Mary H. Felton, Fidelity National Title

With 2016 coming to an end, it seems like a great time to take a look back over my 2 years as President of this great association and reflect a little on what’s been happening.

All in all, its been a great year out there moving new homes. With the great rates and inventory of resale homes flying off the market, it has opened a great many doors for all the local builders out there to sell models and write contracts on new homes.

I have attended many economic forecast meetings this year and although interest rates are on the rise, 2017 still looks to be a promising year for our industry.

I’m certain that in order to make our county flourish, we need to buy local and keep employment alive here in Erie, Huron and Lorain Counties! We need to educate our youth on the importance of growth in our county. We have begun this journey by being more involved with the students at Lorain County Joint Vocational School. Our Sales & Marketing Committee hosted their first Girl’s Night event in February that raised enough money to start a Student Chapter of the NCBIA at the Joint Vocational School for those students in the building trades. That chapter will become active in January of 2017. If you are interested in being a part of our Workforce Development committee who will be helping with these students, please feel free to contact the NCBIA office and let Judie know. She will be happy to add you to the committee for 2017.

The last two years have shown significant membership growth in our local association. While other area organizations are treading water, we managed to win NAHB Membership drives for our association size in BOTH 2015 and 2016.

The Membership Committee is key to the success or failure of any association. Expressing your passion for this industry is something that I’ve always held in high regard. I’ve been a member for seemingly forever and take any chance I have to encourage others to become a member of the NCBIA. As a member of this association, I would encourage you to do the same. You can access a 2017 Membership Application on the website at www.ncbia.com.

Taking another moment to thank yet another important group of people this year, I would like to express my gratitude to our Sales & Marketing Committee. This group of marketing professionals has worked on multiple events this year that have promoted our builders, raised money for charity, and educated our membership. They continue on new and exciting paths each year and 2016 was no exception. SMC will continue to do exciting things in 2017 with multiple educational offerings in the form of “Talk Nerdy to Me” classes beginning on January 19th, 2017.

I had the opportunity to sit in on the first “trial run” of this class at the Economic Forecast meeting and learned about how tablet and smart phone apps can help my business run smoother and quicker. Be sure to take a look at the info on page 8 to sign up for these classes. page 4

To the Board of Directors: I want to express my gratitude to the members of our NCBIA Board of Directors and Staff. I would not have been able to serve in this capacity without all of you. Your faith in me, your guidance and support are greatly appreciated. I look forward to working with all of you in 2017 as your Immediate Past President.

To the Members: Serving as your President for the last two years has been a pleasure. I love hearing feedback from all of you. You will be hearing from our new president who will inform you throughout their term on all the trends of our industry.

To the Incoming President & New Directors: I am looking forward to helping you in any way that I can as the Immediate Past President. I will support you and your goals and give you feedback when you need it (and maybe even when you don’t). I wish you much luck in this position and just remember that if you need me, I’m a phone call or email away.

To the staff and employees at Fidelity National Title: Thank you for all of your support and help. I could have never done this without all of you and I really want to express my gratitude to each and everyone of you.

Lastly, I want to wish to all of you the happiest of holidays and blessings for you and your families. Have a wonderful Holiday and I’ll see all of you next year!

Support your community.

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december 2016

2016 OHBA Legislative Year in Review

RESIDENTIAL CONSTRUCTION ADVISORY COMMITTEE (RCAC) OPERATING AS INTENDED - After years of effort to establish and educate stakeholders on the role of the RCAC, OHBA continues to make the operation of the RCAC a priority. Throughout the year, OHBA attended meetings, monitored the code review process, encouraged use of code interpretations, and brought builders in to provide their practical insight on the impacts of more stringent codes.

CHANGES IN THE CONSUMER SALES PRACTICES ACT (CSPA) WERE SUCCESSFULLY UPHELD - OHBA’s language creating the Home Construction Services Act, and providing builders with relief from the CSPA survived its first real court challenge. A court partially granted a motion to dismiss the OCSPA claim. The court found the builder had met all the requirements necessary to be exempt from the CSPA and the contract would be governed by the Home Construction Services Act. OHBA’s efforts in writing the new law were reaffirmed in the court’s opinion finding, ”when statutory language is plain and unambiguous, and conveys a clear and definite meaning, we must rely on what the General Assembly has said. The court must give effect to the words used, making neither additions nor deletions from words chosen by the General Assembly... While the OCSPA affects a wide range of business, it specifically excludes “transactions involving a home construction service contract as defined in section 4722.01 of the Revised Code” (as part of the Home Construction Service Suppliers Act, R.C. 4722.01, et seq.).

In the spring, OHBA agreed to file another Amicus in support of action in prohibition and mandamus with the Supreme Court of Ohio. In the original election matter, the Supreme Court ruled in favor of the Relators’, finding the Board of Elections abused its discretion in denying relators protest to referendum petition. The finding prevented the issue from being placed on a November ballot.

FACILITATED DISCUSSION WITH PUCO AND UTILITIES ON LINE EXTENSION ISSUES - After hearing from members with concerns over somewhat arbitrary and increased charges to install utility line extensions, OHBA reached out to the PUCO for some immediate clarification, as well as, to start discussions going forward. Further, OHBA helped bring developers and utilities together to also have a more in depth discussion on achieving a more predictable scheduling process and reasonable timelines.

MODERATED ENERGY PANEL DISCUSSION ON ROLE OF ENERGY CODES - At it’s spring meeting, OHBA hosted an energy panel consisting of a BBS member, utility representative and American Chemistry Council representative to provide members with each participant’s perspective into the role of energy codes and making codes more stringent.

IMPORTANCE OF ALL TYPES OF RESIDENTIAL HOUSING DEFENDED TO LEGISLATURE - In response to residential housing being specifically left out of a property tax relief bill, OHBA defended

OHBA OFFERED SUPPORT FOR LEGISLATION TO INCLUDE VARIETY OF PIPING OPTIONS - OHBA offered support of legislation to ensure that all suitable piping materials be included in bids for water and wastewater utility service improvement projects. OHBA supported making common sense improvements to ensure Ohioans have access to broad range of products when constructing this crucial infrastructure in the most cost effective manner.

CONTINUED ON PAGE 6

LEGISLATIVE LEADERS ASKED FOR OHBA SUPPORT FOR UNEMPLOYMENT COMPENSATION DEBT PAYOFF PROVISIONS - Legislative leaders asked OHBA and other business groups to meet and sign off on changes to be made which included authority for the Kasich Administration to completely pay off the state’s unemployment compensation debt to the federal government estimated to total between $225-$240 million.

SUCCESS IN BOTH OHIO SUPREME COURT AND FEDERAL DISTRICT COURT CASES WHERE OHBA FILED AMICUS BRIEFS Throughout the year, OHBA agreed to file Amicus briefs in multiple cases.

First, in federal district court, OHBA filed an amicus brief in the major election case regarding an initiative to rewrite a city’s comprehensive plan and potentially retroactively invalidate permits. The Court issued its opinion finding, as a matter of law, that the developer is entitled to permanent injunctive relief on its due process claim that the Charter Amendment contains an unlawful delegation of legislative power and on its state constitutional claim that citizens of a municipality may not exercise the power of referendum, by means of a charter amendment, so as to nullify City Council’s administrative action of approving the development plan. december 2016

www.ncbia.com

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2016 OHBA Legislative Year in Review (continued from page 6) OBJECTED TO SPECIALITY CONTRACTOR LICENSE EXPANSION BASED ON PROHIBITION ON USE OF SUBCONTRACTORS - While OHBA did not object to licensing of residential specialty contractors, it did object to the extension of the licensing law based on current restrictions included in the commercial section. A few years ago, the legislature OHBA MEMBERS CONTINUE TO PROVIDE VALUABLE EXPERTISE made a change in the licensing law for commercial which prohibits the FOR COMMERCIAL AND RESIDENTIAL CODE AUTHORITIES - use of subcontractors in the licensed specialty trades. OHBA insisted OHBA members served active and valuable roles on both the Residential any inclusion of residential address the subcontractor issues and further Construction Advisory Committee (RCAC), as well as, the Board of take into consideration what kind of requirements would be reasonable Building Standards (BBS) helping to maintain reasonable codes and for those needing a residential license. ensuring proper review.

MONITORED NUMEROUS OEPA RULE PACKAGES OUT FOR OHBA SERVED AS VALUABLE RESOURCE ON CONTRACTOR REVIEW - Throughout the year, numerous changes had been put out LICENSING BILLS - As a bill to register home improvement contractors for review by the OEPA Division of Surface Water. OHBA submitted was being heard by the House Commerce and Labor Committee, the comments, met with staff, as well as, participated in group stakeholder Chairman of the committee consistently relied on OHBA’s feedback in meetings to offer input on changes to 401 Program rules, and wetland working with the sponsor and committee members. OHBA remained antidegradation review. intimately involved throughout the process, testifying several times and providing those involved with insight from the industry. Further, OHBA MONITORED LEGISLATION - Throughout the year, OHBA tracked and was also asked for assistance in working through legislation to extend monitored numerous other items receiving attention by the legislature. specialty contractor licensing to residential construction, and add roofing Some of these included HB 12 TIF Creation, HB 149 Attorney’s Fees, as a licensed specialty contractor. OHBA was able to add valuable insight SB 235 Property Taxes, SB 333 Environmental protection laws. into the history of the existing law, and potential areas for concern given the nature of the residential construction industry.

Contact OHBA with any questions, at (800)282-3403 ext. 1. the industry and the economic development it provides. Finding no factual or rational basis for excluding any development which included residential dwelling, OHBA firmly expressed the need for equity when considering such types of relief.

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december 2016

Federal Open Market Committee December Popularity of Building Information Meeting Modeling Increases Among NAHB Members Analysts scrutinize the statements released immediately following the meetings of the Federal Reserve’s monetary policy setting arm, the Federal Open Market Committee (FOMC) for hints about the likely direction of policy and implications for the economy. Like Kremlinologists, every adjective, choice of wording and change is examined. In the December statement, only one sentence mattered: “In view of realized and expected labor market conditions and inflation, the Committee decided to raise the target range for the federal funds rate to 1/2 to 3/4 percent.”

The move was widely anticipated. Futures contracts based on the federal funds rate, used to hedge short-term interest rate risk (FOMC), traded at prices equivalent to a market estimation of a 95% probability of a 25 basis point increase at this meeting. At the press conference following the meeting, Federal Reserve Chair Janet Yellen’s circuitous response to a question about the recent sharp increase in other market interest rates deftly concluded that the committee had effectively communicated their conditional inclinations, and market participants had correctly interpreted the incoming data since the November meeting, making the rising rates confirmation that the process was working well.

Yellen emphasized that this increase was a vote of confidence in the progress of economic recovery among FOMC participants, and acknowledged that recent increases in longer term rates also suggested market participants expected strong economic growth in the years ahead, perhaps based on proposed fiscal stimulus, although the details and implementation are highly uncertain, and likely to take some time to affect the path of the economy.

BY: CARMEL FORD More NAHB members are familiar with and are using Building Information Modeling (BIM) for their businesses, a recently conducted NAHB survey shows. BIM is a process for managing the information produced during a construction project, in a common format, from the earliest feasibility stage through design, construction, operation and finally demolition, to make the most efficient use of that information. A representation of a building project in BIM format typically consists of a three-dimensional model integrated with an informational database about materials, products, components, systems and their properties and performance.

In a 2016 survey of architects, single-family and multifamily builders, 27 percent of respondents said they were familiar with BIM, compared to 17 percent who reported being familiar in 2014. During this period, the share who never heard of BIM declined from 43 percent to 32 percent (Figure 1).

The most revealing finding from this year’s survey is that a significantly larger share of those who are familiar with BIM are using it in their businesses.

Of the 27 percent who are familiar with BIM, 47 percent are currently using it. This is a large jump compared to 2014: of the 17 percent who were familiar with BIM that year, only 27 percent were using it for their businesses (Figure 2).

Awareness about BIM, however, In response to several questions surrounding the implications of v a r i e s proposed fiscal stimulus and an apparent increase in the path of the significantly by federal funds rate based on the “dot-plot”, Yellen noted that the economic member type. projections of committee members were little changed since the While nearly September meeting, the response to still uncertain fiscal stimulus would 80 percent be developed as the economy’s response to any stimulus unfolded, and of architects that relatively few meeting participants had raised their expectation of in the survey the path of the funds rate; the median projection is only 25 basis points say, they are above the September projections for year-end 2017, 2018 and 2019. familiar with it, the share The median projection of the funds rate in the “dot-plot” indicates quarter is only 30 percent among multifamily builders and 21 percent among point increases in each of the next 3 years, although Yellen was quick single-family builders. Actual use, on the other hand, is more consistent: to point out this is not a forecast or concrete plan, simply expectations around half of single-family builders and architects who are familiar based on current information and subject to change with conditions. with BIM are currently using it. According to the survey, the two mostcommonly used aspects of BIM are computer-aided design/drafting and This was step 2 on the path to monetary policy normalization, and highly reviewing three dimensional plans. anticipated. The next steps will be taken in an economy that has recently become less certain. december 2016

www.ncbia.com

page 7

Thank You for Renewing Your Membership Bennett Builders – Terry Bennett Drees Homes – Jim O’Connor Elyria Pressure Seal, Inc. – Terry Gillis Landscaping by Gerbers – Doug Gerber Lorain County Joint Vocational School – Jill Petitti MBD Homes LLC – Keith Martin MPW Construction Services - Sean Smith

FED Raises Interest Rates

For just the second time since the Great Recession, the Federal Reserve increased its target for the federal funds rate by 25 basis points. While still low, the rate increase continues the path toward higher interest rates and a normalized monetary policy after years of stimulative policy designed to support an economic recovery. The current outlook is for three additional rate hikes in 2017.

Economic growth remains modest, though the pace could increase with a fiscal stimulus in the form of deficit-financed tax cuts or government spending increases as the Trump administration takes office.

Prete Builders, Inc. – Chris Husted Sturgill’s Drywall, Inc. – James Sturgill Tom Pfeifer Excavating – Tom Pfeifer Zdroik Building, Inc. – Paul Zdroik

Welcome Deborah Fisher to the NCBIA!

Please be sure to welcome our newest staffer, Deborah Fisher. Deb comes to us via her “tours of duty” at the USO’s in Cleveland and in Jacksonville, NC. Prior to that, Deb was a part of the sales team at Cleveland Magazine.

The move by the Fed is consistent with recent labor market data, which reveal tight employment conditions. The unemployment rate declined to 4.6% in November, as 178,000 jobs were created during the month, of which 19,600 positions were in the home building and remodeling sector.

Over 120,000 jobs have been created in residential construction within the last year. While solid employment figures are good news for housing demand, ongoing labor constraints are an inflation risk and a motivation Deb was actually a member here at the NCBIA for the Fed to continue raising rates in 2017. many years ago, so she’s very familiar with the association and how we do things here. –NAHB Chief Economist Robert Dietz She will be contacting all of you to discuss the marketing opportunities here at the NCBIA (Builder Newsletter, Membership Directory, sponsorships, etc.) If you are interested in contacting her before she calls you, please call the NCBIA (440) 934-1090 or email Deb at info@ncbia.com.

december 2016

www.ncbia.com

page 9

Executive Officer’s Report

unnecessary and burdensome regulations that harm small businesses and housing affordability. Your association has made important strides on several fronts:

by Judie Docs, CSP, MCSP, MIRM, CMP, CGP

Industry Will Continue to Improve I would like to thank you for being a crucial part of our industry’s recovery. As you know, the strength of our association and ability to take meaningful action to help your business to grow and thrive comes from our numbers – and your membership in the North Coast BIA has helped move the needle over the past year. Some of you may not realize all the things that NAHB does that benefit you, our local association and our State association.

At any given time, NAHB is working on more than 100 complex issues and doing its utmost to create a better business environment and save members money. NAHB advocates on behalf of its members on a wide range of issues, including environmental regulations, the tax code, federal housing programs, building codes, OSHA, building materials, and housing finance.

Below are just a few examples of NAHB policy victories and services that have contributed to real savings and benefits for members.

• NAHB Study Highlights Need to Rein in Burdensome Regulations.

An NAHB report released earlier this year showed that government regulations account for more than 24 percent of the final price of a new single-family home. NAHB has been working tirelessly to reduce

o Federal Judge Blocks Overtime Rule. NAHB joined other groups in filing a legal challenge to the Department of Labor’s final overtime rule that would have doubled the minimum salary limit from $23,660 to $47,476 as of Dec. 1. A federal judge on Nov. 22 granted a preliminary injunction to delay the rule from taking effect until a final court decision is made. Nearly 100,000 additional construction supervisors would have been eligible for overtime had the rule gone into effect. o NAHB’s Legal Victory Blocks “Persuader” Rule. NAHB scored a major legal victory when a federal district court on Nov. 16 granted the association and other groups a permanent stay on the Department of Labor’s final “persuader” rule. The court ruling essentially put an end to union efforts to prevent employers from talking to their lawyers in response to union organizing. o NAHB, OSHA Settle Litigation on Confined Spaces Rule. NAHB earlier this year reached a settlement agreement that resolves the association’s legal challenge to the agency’s Confined Spaces in Construction final rule. The settlement clarifies that the vast majority of the rule’s requirements only apply to permit-required confined spaces, and that attics, basements and crawl spaces in a residential home will not typically trigger these requirements.

Working with the incoming Trump administration and new Congress, along with officials at the state and local level, NAHB will redouble its efforts in 2017 to make policymakers understand that their actions have real consequences and that they must act decisively to reduce burdensome regulations that increase the cost of housing.

• Congress Reinstates Health Reimbursement Arrangements. A health care package approved by Congress on Dec. 7 includes a provision to allow employers to provide Health Reimbursement Arrangements (HRAs) to help their employees pay for health insurance. NAHB has been spearheading efforts to reinstate the use of HRAs since the IRS issued guidance prohibiting their use and instituting onerous financial penalties for those who failed to comply. The bipartisan 21st Century Cures Act is an important step forward to allow small business owners to help their workers with rising health care costs and to ensure more Americans receive affordable health coverage. At the same time, it will protect employers against outrageous fines for providing this costsharing option to their workers.

NAHB would also like to offer you a special 15% discount off your next order through BuilderBooks.com by using the discount code NEWMEM15. Special members-only discounts such as these are just one of the many benefits that are available to you by maintaining your membership with NAHB through the North Coast BIA. Here’s to another year of forward momentum, hard work and celebrating our successes together.

page 10

www.ncbia.com

december 2016

Residential Construction Employment Grew in November

BY ROBERT DIETZ The count of unfilled jobs in the overall construction sector remained Monthly employment data for November 2016 (the employment count elevated in October, as residential construction employment continued data from the BLS establishment survey are published one month to grow. ahead of the JOLTS data) indicate that home builder and remodeler net hiring jumped significantly, as sector employment increased by 19,600.

The November gains continue the improvement in the Fall after a period of hiring weakness early in 2016. The 6-month moving average of jobs gains for residential construction has now increased to a healthier 10,400 per month.

According to the BLS Job Openings and Labor Turnover Survey (JOLTS) and NAHB analysis, the number of open construction sector jobs (on a seasonally adjusted basis) came in at 205,000 in October, after reaching 221,000 in September. The cycle high was 225,000 set in July.

The open position rate (job openings as a percent of total employment) for October was 3%. On a smoothed twelve-month moving average basis, the open position rate for the construction sector increased to 2.7%, setting a cycle high and surpassing the top twelve-month moving average rate established prior to the recession.

Residential construction employment now stands at 2.644 million, broken down as 743,000 builders and 1.901 million residential specialty trade contractors.

Over the last 12 months home builders and remodelers have added 120,000 jobs on a net basis. Since the low point of industry employment The overall trend for open construction jobs has been increasing since following the Great Recession, residential construction has gained the end of the Great Recession. This is consistent with survey data 658,000 positions. indicating that access to labor remains a top business challenge for builders.

In November, the unemployment rate for construction workers stood at 6.3% on a seasonally adjusted basis. The unemployment rate for the The construction sector hiring rate, as measured on a twelve-month construction occupation has been on a general decline since reaching a moving average basis, remained steady at 4.9% in October. The twelve- peak rate of 22% in February 2010, although it has level off in the 5% to month moving average for layoffs was also steady (2.7%), remaining in 6% range since the middle of 2016. a range set last Fall.

NAHB Member Advantage Discounts NAHB Member Advantage gives members an easy way to reduce expenses, maximize profits and increase efficiency. Through agreements with leading national companies, NAHB offers exclusive discounts on a variety of products and services that can benefit your business, employees and family. In the past year, members have saved over $17M through Member Advantage. For the most up-to-date information about which companies are offering discounts as well as detailed information on how to access the savings, please visit www.nahb.org/ma. page 12

www.ncbia.com

december 2016

Winner Winner Christmas Dinner!

This just in from NAHB... “Congratulations to you and the North Coast BIA on your success as the 3rd place winner in Group 4 of NAHB’s 2016 Fall Membership Drive. North Coast BIA secured the win of $1,500. A special thanks to you and your members for your hard work in recruiting new members and growing our federation.”

Finally, the awards are being processed and you can expect to receive your prize in the mail by January 31, 2017. The full list of winners will be posted at nahb.org/2016MembershipDrive.

I don’t know if you remember, but we won the 2016 Spring Membership Drive as well. Many thanks to all the following 2016 Recruiters!

Sara Majzun-Garwood, BCT Alarm Services, Inc. (NCBIA Top Dawg & Top NAHB Recruiter Region C & 2016 Membership Chair) Candy Banks, Elyria/Lorain Broadcasting/WEOL Terry Bennett, Bennett Builders Ashley Caruso-Noe, Caruso’s Cabinets Tom Caruso, Caruso’s Cabinets Ken Cassell, Cassell Builders & Remodelers

Guide to Celebrating NAHB’s 75th Anniversary

Next year marks NAHB’s 75th anniversary, and preparations are underway for this year-long celebration which will officially kick off during the NAHB 2017 International Builders’ Show. To keep you up to date on the latest anniversary-related news and events, NAHB will launch a dedicated, 75th anniversary webpage in January. The webpage will also feature a variety of resources for local HBAs to use that reinforce the significance of the home building industry and showcase the benefits of membership to prospective members.

Additionally, HBAs can opt to join in on the celebration by holding their own 75th anniversary-themed events. If you, too, are interested in celebrating NAHB’s anniversary or that of your local HBA, email Camilo Cuba for some helpful tips and suggestions.

Highlighting Your Contributions Throughout the past 75 years, the members of our growing Federation have continually demonstrated their dedication to helping improve their communities as well as advancing the broader housing industry. So, we’d like to hear from you and spread the word about your positive contributions.

• Did your company or HBA recently reach a significant milestone or participate in a historic project?

• Which of your home-building accomplishments are you most proud of, and what kind of impact did they have on your community?

Mary H. Felton, Fidelity National Title Tim Gossman, Fifth Third Bank

Some of these achievements will be featured on NAHB’s 75th anniversary webpage to be shared with other members nationwide as well as the general public. You can send us a brief summary of those success stories by using this submission form. http://www.buildersshow. com/form.aspx?formID=19493&sectionID=2982

Jason Higgins, Sunnyside Chevrolet Aaron Kalizewski, Grande Maison Construction Jack Kousma, Kousma Insulation Linda LaFleur, Howard Hanna

NAHB visit to Lorain County

Tom Lahetta, Tom Lahetta Builders

We love visits from our State and National Representatives, and this December we were lucky enough to have our Rep from NAHB in for a visit with us.

Mike Lapos, Lapos Construction Chris S. Majzun, Jr., Majzun Construction Keith Martin, MBD Homes

Alex Martindale is a part of Regional Field Operations at NAHB and stopped in to meet everyone. We had dinner with her where we discussed a plan of attack for membership in 2017 with the Membership Chair, Sara Majzun-Garwood.

Michelle Nowlin, First Federal Savings of Lorain Tom Ostrander, 84 Lumber Company Liz Schneider, Dollar Bank Craig Snodgrass, Lorain County Auditor Tom Sear, Ryan Homes April Tecco, Third Federal Savings

Bob Yost, Dale Yost Construction

She was also full of information about how to spark interest in our new “Young Professionals” group that will be launching their first event in March.

Lindsay Yost-Bott, Dale Yost Construction

You can reach Alex at NAHB at amartindale@nahb.org.

Jeremy Vorndran, 84 Lumber Dennis Willis, Action Coach

december 2016

www.ncbia.com

page 13

OHBA Update

by Vincent J. Squillace, CAE, OHBA Exec. VP

OHBA LEGISLATIVE REVIEW DECEMBER 13, 2016 - REPORT #8

Eye on Housing - Builder Confidence Closes Year on a High

BILL MOVES AHEAD IN LAME DUCK GIVING TAX RELIEF TO COMMERCIAL/INDUSTRIAL Builder confidence in the market for newly-built single-family homes DEVELOPMENT, REQUEST TO INCLUDE jumped seven points to a level of 70 on the National Association of RESIDENTIAL REJECTED Home Builders/Wells Fargo Housing Market Index (HMI). This is the highest reading since July 2005.

As SB 235 moved through the Senate Ways and Means committee last spring, OHBA raised questions to the sponsors asking why the The increase in market bill specifically exempted all forms of residential development which confidence follows the including dwelling units from the sought tax benefits.

November election There was no acceptable explanation given, but it appeared unlikely the bill would be successful before the end of this general assembly.

However, in a lame duck session, nothing is ever dead, and when the legislature returned from summer recess, the House had referred it to its Finance Committee: a clear indication something was in the works.

Further, as the general assembly began wrapping up in the final weeks, SB 235 became a vehicle for numerous amendments and it became apparent it would be moving forward. OHBA continued to raise concerns and inquire about the obvious bias against residential housing development. The reaction from the legislature to OHBA’s concerns seems to send a clear message: the legislature does not understand the value of residential development nor does it consider it an important aspect of economic development. OHBA intends to bring this subject to the attention of legislative leaders going forward, and would encourage anyone who is interested in contacting their legislative members do the same.

Feel free to contact OHBA with any questions or comments.

results, increasing hopes among home builders and other stakeholders in the residential construction industry that the incoming administration will reduce costly regulatory burdens, particularly for small businesses.

Research from NAHB published earlier this year indicated that for home builders, such regulatory costs have risen by more than 29% over the last five years.

While the significant increase in builder confidence for December could be considered an outlier, the fact remains that the economic fundamentals continue to look good for housing as we head into 2017.

And the rise in the HMI is consistent with recent gains for the stock market and consumer confidence. At the same time, builders remain sensitive to rising mortgage rates and continue to deal with shortages of lots and labor.

Derived from a monthly survey that NAHB has been conducting for 30 SPRING ORGANIZATIONAL MEETING SET years, the NAHB/Wells Fargo Housing Market Index gauges builder Mark your calendar for the Spring Organizational Meeting for March 1-2, perceptions of current single-family home sales and sales expectations 2017 at the Sheraton, Downtown Columbus. for the next six months as “good,” “fair” or “poor.” The survey also asks builders to rate traffic of prospective buyers as “high to very high,” “average” or “low to very low.” Scores for each component are then used to calculate a seasonally adjusted index where any number over 50 indicates that more builders view conditions as good than poor.

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All three HMI components posted healthy gains in December. The component gauging current sales conditions increased seven points to 76 while the index charting sales expectations in the next six months jumped nine points to 78. Meanwhile, the component measuring buyer traffic rose six points to 53, marking the first time this gauge has topped 50 since October 2005.

Looking at the three-month moving averages for regional HMI scores, the Northeast rose six points to 51, the Midwest posted a three-point gain to 61, the South rose one point to 67 and the West registered a two-point gain to 79.

www.ncbia.com

december 2016

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1 Based on 3–5 pickup-based conventional cab chassis over 10,000 GCWR. 2 Family members must reside in the same household as member. Not available on SRT models. On The Job (OTJ) incentives vary depending on model chosen. See dealer for NAHB allowance and OTJ incentive details and eligibility requirements. ©2016 FCA US LLC. All Rights Reserved. Chrysler, Dodge, Jeep and Ram are registered trademarks of FCA US LLC. FIAT is a registered trademark of FCA Group Marketing S.p.A., used under license by FCA US LLC. Cummins is a registered trademark of Cummins Inc.

Congress Reinstates Health Reimbursement Arrangements

Pending Sales Maintain Pace

In a major victory for home building firms and other small businesses across the land, the Senate today passed the 21st Century Cures Act, a comprehensive health care package which includes a provision to allow employers to provide Health Reimbursement Arrangements (HRAs) to help their employees pay for health insurance.

The House approved the bill President Obama is expected to sign the measure into law shortly.

“NAHB has been spearheading efforts to reinstate the use of HRAs since the IRS issued guidance prohibiting their use,” said NAHB Chairman Ed Brady. “This bipartisan legislation is an important step forward to allow small business owners to help their workers with rising health care costs and to ensure more Americans receive affordable health coverage. At the same time, it will protect employers against outrageous fines for providing this cost-sharing option to their workers.”

HRAs allow small businesses to offer pre-tax dollars to insured employees to help pay premiums and/or other out-of-pocket costs associated with medical care and services. Most small companies do not have human resource departments or benefits specialists. HRAs offer these businesses a simpler, easier way to help their employees to obtain health coverage.

The Pending Home Sales Index increased a slight 0.1% in October, but was 1.8% higher than last October. The Pending Home Sales Index (PHSI), a forward-looking indicator based on signed contracts reported by the National Association of Realtors (NAR), increased to 110.0 in October from a downwardly revised 109.9 in September.

The PHSI increased 1.6% in the Midwest, 0.7% in the West and 0.4% in the Northeast, but fell 1.3% in the South. Year-over-year, the PHSI increased in all regions, ranging from 3.9% in the Northeast to 0.8% in the South.

Commenting on the continued tight supply of homes for sale, NAR reported that 40% of October sales were at or above list price, compared to 33% last October. Existing sales increased in October, and builder confidence remained firm in November. These reports are good news for new residential construction as the housing recovery continues to address demand among first-time buyers and broadens across a wider range of markets during the balance of 2016 and into 2017.

The Internal Revenue Service issued guidance in 2013 stating that employers are no longer able to use HRAs because they don’t meet the requirements of the Affordable Care Act. Not only did the IRS make HRAs illegal, the agency decreed that all employers can face fines of $100 per day per employee if they offer this benefit to their workers. That can add up to $36,500 per employee over the course of a year and up to $500,000 per company. This $100 per day penalty went into effect on July 1, 2015.

NAHB has led the charge working independently and with a coalition of other business organizations to remedy this injustice by calling on the IRS to revoke its ruling on the use of HRAs and pushing for a congressional solution.

At NAHB’s urging, a section was added to the 21st Century Cures Act that would reinstate the use of HRAs and rescind the punitive IRS penalties associated with them.

“NAHB commends Congress for bringing choice and affordability to the health care marketplace by allowing small employers to once again use HRAs,” said Brady.

For more information, contact Suzanne Beall at 800-368-5242 x8407.

december 2016

www.ncbia.com

page 17

Mark These Dates in Your Calendar Jan 04

Sales & Marketing Committee 8:30am

Jan 10-12 INTERNATIONAL BUILDERS SHOW

Orlando, Florida Jan 18

Board of Directors Meeting 5pm

Jan 19

Talk “Nerdy” to Me - Tech Class 8:30am

Jan 21

Installation Party - Parker’s Grille & Tavern, 5-8 pm, Avon Lake (details on page 19)

Jan 25

Golf Committee Meeting 9am

Check the website at www.ncbia.com for up to date changes, additions and corrections to these events!

SAVE THE DATE...

The NCBIA will again be hosting the HOME SHOW on April 1, 2017 at The Emerald Events Center in Avon. Booth information will be forthcoming so watch your email.

Reminder...

The North Coast BIA online Directory is ready to be updated again.

Please be sure to visit www.ncbia.com, log in and check your membership information. Let us know your updates and your social media links so that we can give everyone the most updated information possible. Please pay special attention to the classified area. We use this section to determine the referrals that are sent out when people contact the office.

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5609 West Erie Avenue 832 Cleveland Street Lorain, OH 44053 Elyria, OH 44035 36500 Detroit Road Avon, OH 44011 By member’s choice, your deposits are insured up to $250,000 per account by American Share Insurance. This institution is not federally insured.

Members’ accounts are not insured or guaranteed by any government or government sponsored agency.

page 18

www.ncbia.com

december 2016

november 2016

www.ncbia.com

page 17

Builder Confidence Closes Year on High Note Builder confidence in the market for newly-built single-family homes jumped seven points to a level of 70 on the NAHB/Wells Fargo Housing Market Index (HMI). This is the highest reading since July 2005.

“This notable rise in builder sentiment is largely attributable to a postelection bounce, as builders are hopeful that President-elect Trump will follow through on his pledge to cut burdensome regulations that are harming small businesses and housing affordability,” said NAHB Chairman Ed Brady. “This is particularly important, given that a recent NAHB study shows that regulatory costs for home building have increased 29% in the past five years.”

“Though this significant increase in builder confidence could be considered an outlier, the fact remains that the economic fundamentals continue to look good for housing,” said NAHB Chief Economist Robert Dietz. “The rise in the HMI is consistent with recent gains for the stock market and consumer confidence. At the same time, builders remain sensitive to rising mortgage rates and continue to deal with shortages of lots and labor.”

Derived from a monthly survey that NAHB has been conducting for 30 years, the HMI gauges builder perceptions of single-family home

sales and sales expectations for the next six months as “good,” “fair” or “poor.” The survey also asks builders to rate traffic of prospective buyers as “high to very high,” “average” or “low to very low.” Scores for each component are then used to calculate a seasonally adjusted index where any number over 50 indicates that more builders view conditions as good than poor.

All three HMI components posted healthy gains in December. The component gauging current sales conditions increased seven points to 76 while the index charting sales expectations in the next six months jumped nine points to 78. Meanwhile, the component measuring buyer traffic rose six points to 53, marking the first time this gauge has topped 50 since October 2005.

Looking at the three-month moving averages for regional HMI scores, the Northeast rose six points to 51, the Midwest posted a three-point gain to 61, the South rose one point to 67 and the West registered a two-point gain to 79.

View more analysis at this Eye on Housing blog post. HMI tables can be found at nahb.org/hmi. More housing statistics are available at HousingEconomics.com.

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december 2016

www.ncbia.com

page 21

THANK YOU SPIKES!

Our SPIKES are Our FOUNDATION STATESMAN SPIKE (500-999 SPIKE CREDITS) Bob Yost.......................Dale Yost Construction............................ 588.75 SUPER SPIKE (250-499 SPIKE CREDITS) Mary H. Felton...........Fidelity National Title............................. 336.50 Terry Bennett...............Bennett Builders....................................... 297.75 Samuel Boak................Coates Brothers........................................ 258.50 ROYAL SPIKE (150-249 SPIKE CREDITS) Jack Kousma...............Kousma Insulation................................... 223.50 Chris S. Majzun, Jr. ....Majzun Construction............................... 222.00 Bill Perritt....................Perritt Building Co................................... 219.00 Bucky Kopf..................Kopf Construction Corp......................... 189.00 Randy K. Strauss........Strauss Construction............................... 174.50 Bill Comerford............Hovey Kaiser Insurance Associates...... 173.00 Jeff Hensley.................Lake Star Building & Remodeling......... 158.25 RED SPIKE (100-149 SPIKE CREDITS) Tom Lahetta................Tom Lahetta Builders.............................. 129.00 Chris Majzun, Sr.........Majzun Construction............................... 100.00 GREEN SPIKE (50-99 SPIKE CREDITS) Patrick Shenigo...........ShenCon Construction, LLC.................. 94.50 Thomas Caruso...........Caruso’s Cabinets.................................... 91.75 Tom Sear......................Ryan Homes............................................. 89.25 Mike Lapos..................Lapos Construction................................. 73.00 Chris Mead..................Maloney & Novotny, LLC...................... 62.50 Aaron Kalizewski.......Grande Maison Construction................. 52.50 LIFE SPIKE (25-49 SPIKE CREDITS) Sara Garwood.............BCT Alarm Services................................. 49.50 Ray Allen Thom..........Thom Concrete ........................................ 48.50 Steve Schafer...............Schafer Development.............................. 30.50 Jeremy Vorndran........84 Lumber................................................. 28.50 Jason Scott...................North Star Builders.................................. 28.00 BLUE SPIKE (6-24 SPIKE CREDITS) Liz Schneider..............Dollar Bank............................................... 18.50 Ken Cassell..................Cassell Construction................................ 13.50 Jason Higgins..............Sunnyside Chevrolet............................... 13.00 Tami Lanphere............Town Money Saver.................................. 10.00 Michelle Nowlin.........First Federal Savings of Lorain.............. 9.5 Keith Martin................MBD Homes............................................. 9.0 Tom Ostrander............84 Lumber Co........................................... 8.5 Jeff Lugar.....................ABC Supply Co........................................ 8.0 page 22

www.ncbia.com

december 2016

Member Advantage

Don’t Miss These New Year’s Special Offers from Dell!

Stack 15% off OptiPlex/Latitude/XPS Stack 15% off OptiPlex/Latitude/XPS. TRIPLEDISCOUNT 1.

Offer begins December 31, 2016.

Use

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1Coupon offer valid 12/31/2016 - 1/14/2017 at 7AM CST. For Dell Professional Associations only. Save an additional 15% off select OptiPlex/Latitude/XPS PCs. Coupon is valid with select other offers code: but not with other coupons. Limit of 5 promotional items per customer.

Not valid for resellers and/or online auctions. Dell reserves the right to cancel orders arising from pricing or other errors.

Stack 6% off Inspiron PCs 2Coupon offer valid 12/31/2016 - 1/14/2017 at 7AM CST. For Dell Stack 6% off Inspiron PC’s. Use coupon code: TRIPLEINSPIRON 2. Professional Associations only. Save an additional 6% off select Inspiron Offer begins December 31, 2016.

PCs. Coupon is valid with select other offers but not with other coupons.

Limit of 5 promotional items per customer. Not valid for resellers and/ To learn more about your membership benefits visit www.Dell.com/ or online auctions. Dell reserves the right to cancel orders arising from NAHB or call 800-757-8442 to speak to a Dell representative. pricing or other errors.

Your Community Lender Michelle Nowlin………………………. (440) 864-0855 JoEllen Tucker………………………….(440) 282-6999 Edie Tiller………………………………(440) 277-5809 Lisa Matuszak…………………………..(440) 282-6705

Call or Apply Online Now! Member FDIC

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www.ncbia.com

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page 22

www.ncbia.com

november 2017

Member Advantage LOWE’S MEMBERSHIP DISCOUNTS Visit www.LowesForPros.com/NAHB and register to save 2% on your Lowe’s Accounts Receivable purchases made now through 12/31/2016+. Plus, save 5% every day when you use your Lowe’s Account Receivable*.

And NAHB Members receive free delivery on purchases of $500 or more**. +Exclusions apply, discount taken at time of statement, see LoweForPros. com/NAHB or call 877-435-2440 for details. *Offer is not automatic, see store for details. **Exclusions and standard delivery rules apply, discount taken at time of purchase, see store for details.

Save $500/$1000 with the GM NAHB Private Offer We’re pleased to extend to NAHB members a private offer 1 of $500 toward the purchase or lease of most new GM vehicles. NAHB members who are business owners can now qualify for up to $1,000 and add on incentives from the National Fleet Purchase Program 2 and Business Choice 3 to get the best value on vehicles that run your business. To get this offer just visit your local dealer, choose an eligible GM vehicle, and present your NAHB proof of membership form.

How it works: 1. Get your NAHB proof of membership form at www.nahb.org/gm.

2. Bring form to your GM dealer and mention this private offer.

3. At time of purchase or lease, present your NAHB proof of membership.

For private offer details, visit www.nahb.org/gm.

1Private offer amount varies by model. Up to $500 offer for retail deliveries and up to $1,000 offer for fleet deliveries. Not compatible with other private offers. Not valid on prior purchases. Compatible with many current incentives. Incentives are subject to change without notice. FAN number required. See dealer for complete details.

2Offer eligible for non-CAP customers only through Dec. 31, 2016. See dealer for details.

3To qualify, vehicle must be used in the day-to-day operation of the business and not solely for transportation purposes. Must provide proof of business. For complete program requirements, including information regarding offers, vehicles, equipment, options, warranties, and ordering, consult your dealer or visit gmbusinesschoice.com. Take delivery by Sept. 30, 2017.

GEICO Selecting an insurance company to protect your assets is very important to you. After all, you have worked your whole life to obtain them. NAHB and GEICO are here to help. GEICO has over 75 years of industry experience and understands what you need from your insurer.

december 2016

GEICO and NAHB are proud to be working together to offer exceptional insurance products and a great savings opportunity for members of NAHB. As a member of NAHB, you could qualify for an exclusive discount on GEICO auto insurance.

When you consider the fact that new GEICO policyholders report average annual savings of over $500, you could be saving a lot of money.

But there’s more to GEICO than just great rates. GEICO policyholders receive 24/7, professional, courteous service. When it comes to claim handling, GEICO is able to settle many claims within 48 hours of being reported, and sometimes a check can even be written on the spot.

That’s why GEICO customers report a 97% customer satisfaction rate.

As a subsidiary of Warren Buffett’s Berkshire Hathaway Inc, GEICO has the stability of a company you can trust. Savings, service, and reliability?

They can all be yours.

Visit www.geico.com/disc/NAHB or call 800-368-2734 and mention NAHB, for a simple, no-obligation rate quote to see how much you could save with your exclusive member discount. GEICO can also help you obtain competitive rates on homeowner’s, condo, motorcycle and more insurance coverage.

Some discounts, coverages, payment plans, and features are not available in all states or in all GEICO companies. Discount amount varies in some states. One group discount applicable per policy. Coverage is individual. In New York, a premium reduction may be available.

Average savings amount based on national GEICO New Policyholder survey data through March 2014. GEICO is the second-largest private passenger auto insurer in the United States according to the 2013 A.M. Best market share report, published April 2014. Customer satisfaction based on an independent study conducted by Alan Newman Research, 2013. Homeowners, condo and renters’ coverages are written through non-affiliated insurance companies and are secured through the GEICO Insurance Agency, Inc. Motorcycle and ATV coverages are underwritten

by GEICO Indemnity Company.

NAHB Members Benefit with Houzz 25,000+ NAHB members are taking advantage of the strategic alliance with Houzz to showcase their work, build their brand, and reach new clients. Are you?

NAHB Member Benefits Include: • Free access to Houzz Concierge Service for one-on-one support • Exclusive discounts on local advertising to reach homeowners in your area • Shop Houzz product discounts for you and your clients Create your professional profile today or learn more at houzz.com/ nahbmembers.

www.ncbia.com

page 25

North Coast BIA Members cut your commercial fueling costs with SUPERFLEET! Save 5 cents per gallon by using this card at Speedway, Rich Oil or Gas America locations in any state. Since it is now a universal card it is accepted anywhere that sells fuel and accepts MasterCard including maintenance facilities.

SUPERFLEET®: One card for savings on your FUELING needs

Odometer Tracking Detailed Billing and Custom Billing Driver / Vehicle Tracking Personal Identification Numbers / Multiple Validated Driver ID Numbers for Security Product and Service Restrictions electronically enforced Tax exempt billing for qualified customers Online Bill Presentment and Payment Online Account Management View Billed and Unbilled Transactions Online Pay at the Pump at most Locations 24/7 LIVE CUSTOMER SERVICE INCLUDING HOLIDAYS DISCOUNT AT SPEEDWAY, RICH OIL AND GAS AMERICA LOCATIONS ONLY A CONVENIENCE FEE WILL APPLY WHEN USED AT LOCATIONS OTHER THAN SPEEDWAY BRAND OR MARATHON ¨ NO FEES FOR CARDS ¨ NO ANNUAL OR MONTHLY FEES ¨ NO CHARGE FOR SPECIAL REPORTS

¨ ¨ ¨ ¨ ¨ ¨ ¨ ¨ ¨ ¨ ¨ ¨ ¨

Contact: John Kennedy for more information at Direct: 330-961-7022 ~ Fax: 419-420-1417 Email: jmkennedy@speedway.com Get more program information at: www.superfleet.net

Workers Comp Update - Important Dates!!!

Of course the year has sped by and we have already filed the 2017 traditional group rating program roster, but the 2017 group retro deadline is still ahead; the last day to submit the enrollment forms for next year is coming up (see below).

We also have a timely ~ and time-sensitive ~ opportunity from our Unemployment department for a common-rating analysis, as well as good news from the state regarding workplace injuries.

Upcoming dates/deadlines: * January 24, 2017 Enrollment deadline for Group Retrospective Rating programs. * January 31, 2017 o Deductible Program application deadline to begin on 7/1/17. o Individual Retro rating application deadline to begin

on 7/1/17. o One Claim Program application deadline to begin on 7/1/17.

Workers’ Compensation Group Retrospective Rating Information: The enrollment deadline for Group Retrospective Rating is January 24th.

In order to help businesses better understand various workers’ compensation rating plan options, particularly Group Retro, CareWorksComp is offering a series of short 30 minute webinars.

Members can reserve their webinar seat by going to this link: https://attendee.gotowebinar.com/rt/1795163116993327106

Unemployment Updates: We have an opportunity from our Unemployment division which is timesensitive. CareWorksComp is always looking for multiple strategies to reduce our customers’ business expenses, and to that end we are offering an unemployment tax control opportunity which Ohio employers can consider only in the month of December, for a very low fee.

The Ohio Department of Job and Family Services (ODJFS) recently sent

page 28

2017 annual tax notices to Ohio businesses. ODJFS allows commonly owned businesses (two or more companies operating under common ownership) to apply for a common/joint tax rate group for 2017 to reduce their unemployment tax liability. This strategy can be highly profitable for companies that qualify.

CareWorksComp can complete a common/joint rating analysis to determine your amount of savings. In addition, customers taking advantage of the common/joint rating analysis will also benefit from a special reduced service fee (see the Service Agreement for details).

To enroll in this program, please sign and return the Service Agreement and Employer’s Authorization form for each account via fax to (614) 932-1564. Upon receipt of your signed agreement, a CareWorksComp unemployment team member will contact you.

If you have any questions please let me know. Also, you may contact Kammy Staton, our Unemployment Manager, at 800.837.3200 x 57165 or kammy.staton@careworkscomp.com.

Decline of Workplace Injuries: In September the BWC’s Division of Safety & Hygiene reported that Ohio has experienced nearly a 17% decline in workplace injuries between 2010 and 2014. This is almost double the national average of 8.6% for the same time period! Total injuries reported in BWC’s system went from 105,568 to 95,802, even though there was a 7.5% growth in employment at the same time. The reason for this, in large part, is credited to the success of various safety programs offered by the Division of Safety & Hygiene, and the increase in the number of employers who take advantage of them.

“Ohio is becoming a leader in the workers’ comp industry with an impressive offering of workplace safety programs and services, and the state is now exceeding the national trend of declining injuries,” said BWC Administrator/CEO Sarah Morrison. “Ohio employers are recognizing the benefits of injury prevention and investing in a culture of safety, including partnering with BWC to make their workplaces safer.”

To learn more you can visit www.bwc.ohio.gov and click on the “Safety Services” tab.

www.ncbia.com

december 2016

A supplier you can’t trust is like wearing a paper hardhat.

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For more information, visit us online:

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Utilizing NAHB’s Residential Construction Performance Guidelines, this program provides a platform for quick resolution and warranty administration services for builders and home buyers.

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2-10 HBW provides extended coverage beyond the typical one-year manufacturer’s warranty on major home systems and appliances on homes that are less than 3 years old.

You’ll consider yourself in good company... so will your buyer.

TO ENROLL VISIT 2-10.com/NAHB OR CALL 855.280.1328