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Avon Lake: 440.934.1751 Broadview Heights: 440.717.9500 Willoughby: 440.373.1195

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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).

NCBIA Office

5201 Waterford Dr. Sheffield Village, OH 44035 Phone: 440.934.1090 info@ncbia.com | www.ncbia.com

NCBIA Staff

Executive Officer Judie Docs | judie@ncbia.com Executive Assistant LaBreeska Bellan | labreeskancbia@gmail.com Administrative Assistant Ashlyn Bellan | ashlynncbia@gmail.com Marketing Associate Maria Sabala | maria.sabala.ncbia@gmail.com

2021 NCBIA Officers President Sara Majzun, BCT Alarm Services, Inc. Vice President Tim King, K. Hovnanian Homes - Ohio Division Associate Vice President John Toth, Floor Coverings International Treasurer Melanie Stock, Treasurer, First Federal Savings of Lorain Secretary Mike Meszes, Secretary, DRC Construction Co. Immediate Past President Jeremy Vorndran, 84 Lumber

2021 NCBIA Board of Directors

Dennis Willis, ActionCOACH TeamNEO Kelly Christy, Cleveland Custom Homes Dave Linna, Linna Homes & Remodeling Jason Rodriguez, Lorain County Joint Vocational School Mark Craig, Mark F. Craig, Esq. Jason Scott, North Star Builders Brett Adams, Genoa Bank Dave Weisenberger, Tusing Builders & Roofing Services

October 2021

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.

NCBIA Life Directors

Jeremy Vorndran, 84 Lumber Calvin Smith, Calvin Smith Builders Tom Caruso, Caruso’s Cabinets Bob Yost, Dale Yost Construction Liz Schneider Dollar Bank Mary H. Felton, Guardian Title Jack Kousma, Kousma Insulation Jeff Hensley, Lake Star Building & Remodeling Chris Majzun Sr., Majzun Construction Co. Chris S. Majzun Jr., Majzun Construction Co. Jim Sprague, Maloney + Novotny, LLC Randy Strauss, Strauss Construction Tom Lahetta, Tom Lahetta Builders, Inc.

2021 NAHB & OHBA Directors

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

Sr. NAHB Life Director

Randy Strauss, Strauss Construction

Ohio’s State Rep. to NAHB

Randy Strauss, Strauss Construction

OHBA Past Presidents Randy Strauss, 1996

2021 OHBA Trustees

Jeremy Vorndran, 84 Lumber Sara Majzun, BCT Alarm Services, Inc. (alternate) Jason Scott, North Star Builders

OHBA Area 2 Vice-President Enzo Perfetto, Enzoco Homes

www.ncbia.com

page 3

NOW A TWO DAY SHOW!!!!! EXHIBITOR CONTRACT Company Name (as it will appear in show) __________________________________________

Saturday, February 26th 9-5

Contact Person (print) _________________________________________________________

Sunday, February 27th 10-3

Cell # _______________________________________________________________________ Primary Product(s)/Service(s) ___________________________________________________ Email address ________________________________________________________

Emerald Event Center, Avon

SPECIAL EARLY BIRD PRICING THROUGH DEC. 16, 2021 (SAVE $50)

299 Booth Space ($399 non-members)

We all know we need more young talent in the industry and this is our opportunity to help make a difference!!

WE NEED MENTORS!!!

• Support students in the building trades programs throughout their Junior and Senior years at LCJVS

Twenty (20) mentors are needed to pair up with 5 students in each of the building trades classes (Masonry, Carpentry, HVAC, & Electrical) at the JVS. Mentor Expectations:

• Connect them with industry experts

• 2-year commitment to get a student from Junior year through graduation

• Strengthen job skills

• Join the building trade advisory committee for the class your mentee is in

• Assist students in joining the workforce upon graduation

• Assist in getting the student placed for summer internship after junior year and placed in the workforce after their senior year • Twice monthly 15-minute Teams Mtg to check in on the below (no individual onsite or offsite mtgs) • Attendance • Set and monitor quarterly goal • What they have recently learned • What they can use help with NCBIA • How academics are going

BOOTH INFORMATION Will you need electricity? _______ YES _______ NO

Electric is optional and available on a 1st Come, 1st Served Basis! ______# of Booth Spaces

____________TOTAL AMOUNT DUE

I understand that I have contracted for exhibit space by signing this contract and I am liable for the full cost of the booth space. I also understand that the final location of space will be determined by show management upon receipt of a 50% deposit or payment in full. The undersigned represents that he/she is fully authorized to execute and complete this agreement. The undersigned also understands and agrees to the rules and regulations on the reverse side of this contract. Authorized Exhibitor Signature

Sponsorships Available Call for More Info!

Showcase Your Business

Printed Name

PAYMENT METHOD:

Please Indicate how you would like to pay for your booth space. ___Invoice

___Check Enclosed

___VISA/MC/AMEX/DISC*

**A $5.00 Convenience Fee will be charged for all Credit Card Payments

*If you select credit card, our office will call for your card information.

PROGRAM GOALS:

BECOME A MENTOR IN THE NCBIA WORKFORCE MENTOR PROGRAM

Hall of Fame Members

AFTER DEC. 16, 2021, $349 AND $449, RESPECTIVELY) DIRECT SALES BOOTHS $149

Booth spaces are LIMITED and available on a 1st Come, 1st Served Basis! 2021 SOLD OUT - Act now to secure your booth!

Event Sponsors: Our Biggest Consumer Event of the Year!

Over 1000 Local Consumers Expected

Questions? Contact the NCBIA at (440) 934-1090

Supporting Sponsors:

Bag Sponsor: Rev. 6/20/2021

Please contact Tim King (440) 396-0832 or John Toth (216) 409-7277 for any questions and to volunteer for this program. Please register by 11/15.

........ Hall

........

FAME

• Lab visit for ½ day to engage with the class and teacher for ½ day • Job shadowing opportunities for the class as available • Attend mentor/mentee event for in person pairing

Terry Goode Inaugural Class 2001

Bucky Kopf Inaugural Class 2001

Robert Nickoloff Inaugural Class 2001

North Coast Building Industry Association

Hall of Fame Nominating Form

Calvin Smith Ernie Parsons Inaugural Class Inaugural Class 2001 2001

Dan Strauss Inaugural Class 2001

Randy Strauss Dale Yost Inaugural Class Inaugural Class 2001 2001

Jim Schmidt Class of 2002

The North Coast BIA Hall of Fame was established to honor individuals who have made a lasting contribution to the housing industry through their work in building and development, public service and housing-related areas. To nominate an individual for Hall of Fame induction, you must be a member of the NCBIA in good standing, complete this form on both sides and return it to the NCBIA office by November 30, 2021.

Hall of Fame Candidate Name: Title:

Robert Yost Class of 2002

Chris Majzun Class of 2003

Bill Perritt Class of 2003

Gene Henes Class of 2004

John Sarnovsky Class of 2004

Chris S. Majzun, Jr. Andy Kerchmar Class of 2005 Class of 2004

LeRoy Forthofer Class of 2006

Ray Yunker Class of 2006

Mick Mackert Class of 2004

Larry Franklin Class of 2005

Company Name: Address: City/State/Zip: Phone Nomination Submitted by: Company:

Return the completed form to: Hall of Fame Committee c/o NCBIA 5201 Waterford Dr., Sheffield Village, OH 44035 Phone: 440-934-1090

Phone

Mary Felton Class of 2009

(continued on reverse side) Linda Kacher Class of 2009

Joe Scaletta Class of 2010

Rich Smothers Class of 2010

Jeff Hensley Class of 2020

Jeremy Vorndran Class of 2020

Table of Contents 6 - Letter from the President

8 - Save the Dates 8 - Member News 10-17 - Executive Officer’s Report 18-19- Existing Home

25 - How Sound Abatement Helps Create a Healthy Home

26-27 - State and Local

Property Tax Revenues Eclipse $700 Billion

28 - Eye on the Economy: Affordability Headwinds Will Increase

Sales Surge in September while First-time Buyers are Priced Out

30 - Vacant Land Available

20 - WE NEED MENTORS!!

31 - Strong Demand Boosts

21 - NAHB Now: HBAs Awarded for Outstanding Membership Growth and Retention

22-23 - 2022 Home Show Exhibitor Contract

24 - Mortgage Rates Rise, Activity Declines

cover Spike Update

Builder Confidence Despite Supply Chain Disruptions

32 - Good and Bad Housing Provisions in $3.5 Trillion Reconciliation Plan

33 - What Does the Recent

36 - What Members Are Saying

37 - NCBIA Calendar of Events 38 - OHBA Executive VP Column

40 - Construction Jobs

Plentiful, but Where are the Workers?

41 - Do You Want on the List? 42 - Home Warranty Books 44-47 - Photo Gallery: Clambake

40-47 - Photo Gallery: October GM Meeting

54-55 - Legislative Review 58-62 - Message from

Randy Strauss: Ohio State Rep to NAHB

WOTUS Rule Mean for your Projects?

63-65 - Sedgwick Update

66-67 - Hall of Fame

Thank You for Renewing! Sorry to See You Go! Applying for Membership!

35 - Menu of Services

Nomination Form

68-77 - Circle of Excellence Form

LETTER FROM THE PRESIDENT

THE HOLIDAYS ARE RIGHT AROUND THE CORNER and so is the Home Show! There are only 2 months left in 2021 and this means we are barreling into the holiday season! We have Halloween this weekend, less than a month to Thanksgiving and less than 2 months to Christmas! But an even more exciting countdown that we have is that there are only 243 days left until the NCBIA Home & Remodeling Show! The planning for this event has already started and there are some exciting new things happening this year with the show. The BIGGEST change this year is that this event is now a 2-day show! The show will run from 9:00 AM to 5:00 PM on Saturday, February 27th and 10:00 AM to 3:00 PM on Sunday the 28th. We always have a great turnout from the public for our vendors at this show so I am very excited to see how this year goes. With the restrictions from last year's event being lifted, we fully believe that we will sell out to vendors faster than ever before. So if you want to be a part of the 2022 show, be sure you get your contract sent in ASAP to secure your spot. A huge thank you to 84 Lumber and MDG Maintenance & Handyman Services for stepping up as the event sponsors again this year and thank you to Floor Coverings International for supplying the bags again for the patrons! The committee is working hard to make the 2022 show the best one yet so I hope to see you there!

Sara Majzun, BCT Alarm Services, Inc.

“

There are only 243 days left until the NCBIA Home & Remodeling Show! The event is now a 2-day show! We believe that we will sell out to vendors faster than ever before. So if you want to be a part of the 2022 show, be sure you get your contract sent in ASAP to secure your spot.

“

page 6

I need to take a second and congratulate our 5 new board members that will be taking seats starting in January. Congratulations to Brett Adams, Genoa Bank; Dave Weisenberger, Tusing Builders & Roofing Services; Dave Linna, Linna Homes & Remodeling; Sam Hudspath, All Construction Services and Brian Schwab, Restore Pro. I am very excited to see what 2022 has in store for the NCBIA! With this new group coming on to the board and the phenomenal people that we already have in the seats we are definitely in for one of the best years yet! #TeamNCBIA

www.ncbia.com

October 2021

GET UP TO $5,400 TO GET THE JOB DONE Shown with equipment from independent suppliers which is not covered by the GM New Vehicle Limited Warranty. GM is not responsible for the safety or quality of independent supplier alterations.

USING THE PRIVATE OFFERS1 FOR NAHB MEMBERS IS EASY:

1. Get your NAHB proof of membership. 2. Visit your local Chevrolet, Buick or GMC dealer and mention this Private Offer. 3. Select an eligible vehicle(s) to purchase or lease and present your NAHB proof of membership. For even more value, combine this offer with the National Fleet Purchase Program and Business Choice Offers. For full details on the Private Offer, NAHB members should visit nahb.org/gm. Example offer for NAHB members who are business owners purchasing a 2021 Chevrolet Silverado 2500 HD Crew Cab 1LT 4WD. Up to

Up to

$1,000 + $3,400 + $1,000 = $5,400 Private Offer 1

National Fleet Purchase Program (FVX)2

Eligible Accessory Cash Allowance3, 4

In Potential Value

1 Private offer amount varies by model; up to $500 offer for retail delivery and up to $1,000 offer for fleet deliveries. Valid toward the purchase or lease of eligible new 2020, 2021 and 2022 model year vehicles. Customer must take delivery by 1/3/2022. Not compatible with some other offers. Not valid on prior purchases. Excludes all Cadillac vehicles; 2020 Buick Cascada, LaCrosse, Regal and Verano; Chevrolet Colorado 2SA, Sonic, Trax, Volt and GMC Canyon 2SA; 2020-2021 Encore 1SV; Chevrolet Blazer, Camaro, Corvette, Equinox 1SM, Malibu 1VL, Traverse 1L0; GMC Acadia 1SV and Terrain 2SA. Additional GM models may be excluded at GM’s sole discretion. See dealer for details. 2Offer available to qualified fleet customers through 1/3/2022. Not compatible with some other offers. Take delivery 1/3/2022. See dealer for details. 3To qualify, vehicle must be used in the day-to-day operations of your business and not solely for personal/ non-business-related transportation purposes. Must provide proof of business ownership. For complete program requirements, including information regarding offers, vehicles, equipment, options, warranties and ordering, consult your dealer or visit gmbusinesschoice.com. 4Eligible purchases must be equal to or greater than the amount of the cash allowance. Accessory Cash Allowance requires purchase of the eligible accessories from your dealer.

Save the

Date! Want to be a sponsor for any of these events? Let us know! Sponsor early to get maximum exposure!!!!! January 8, 2022

Installation, Circle of Excellence & Hall of Fame Banquet Ahern's Banquet Center 726 Avon Belden Road, Avon Lake

February 26, 2022 9:00 AM - 5:00 PM

& February 27, 2022

10:00 AM - 3:00 PM NCBIA Home & Remodeling Show TWO-DAY EVENT! Emerald Event Center, Avon

*All committee meetings held via Zoom, unless otherwise noted. If you would like to participate in a committee, please email Judie Docs at judiencbia@gmail.com. Check the website at www.ncbia.com for up-to-date changes, additions, and corrections to these events!

page 8

www.ncbia.com

October 2021

Exclusive Business Platinum Card® Offer for NAHB Members

Apply for the Business Platinum Card® and you can earn 125,000 Membership Rewards® points within the first 3 months of Card Membership after you spend $30,000 on qualifying purchases on the Card. Annual fee is $595. Platinum Card not right for your business? Explore our suite of Cards for businesses of all shapes and sizes.

Visit NAHB.org/Amex to learn more Terms apply

EXECUTIVE OFFICER’S REPORT

DON'T LEAVE MONEY on the Table!

There are probably many benefits/discounts that you have not used. advantage of what we have to offer - - don’t leave money on the table!

Please take

We strive to offer benefits that will help you in your business. Collectively, NAHB members saved over two million dollars in the past 12 months just through the NAHB discounts. If you missed our General Membership Meeting Benefits and Discounts forum here are the highlights in an easy-to-read list. We highlighted a several of our benefits/discounts that give you the opportunity to save money. • • • • •

Worker’s comp group rating program can save you up to 53%. Risk insurance program will save you 10% discount on a commercial package and a 5% on a commercial auto policy! Our Speedway discount program for your business as well as available for your employees, friends, and family our Speedway discount program. Member Rebate Program average yearly savings is $1,495.13! Vehicles, Office Supplies, Chocolate, Candy, Flower oh my and so much more are shown on the following pages.

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

“

There are probably many benefits/ discounts that you have not used. Please take advantage of what we have to offer - don’t leave money on the table!

“

page 10

www.ncbia.com

October 2021

BENEFITS & DISCOUNTS

NCBIA & OHBA BENEFITS & DISCOUNTS WORKERS COMP Sedgwick * Save up to 53% in our group rating program – Contact Bob Nicoll 330-418-1824 robert.nicoll@sedgwick.com

RISK INSURANCE Hastings Mutual Insurance *save 10% discount on a commercial package & a 5% on a commercial auto policy – Contact Theresa Riddell, The Nelson Agency 440-420-1175 tmycps@oh.rr.com FUEL SAVINGS SuperFleet Mastercard * Save 5 cents per gallon at Speedway locations, plus earn an additional NCBIA special 15 cents discount, available for business, employees & family. Contact Holden Moll at 760-918-5933 holden.moll@fleetcor.com MEMBER REBATE PROGRAM Free Member Benefit of OHBA & NCBIA – the average rebate per builder/remodeler in 2020 was $1,495.13. If you use any of these 50+ participating manufacturers, then it is easy to participate! info@HBArebates.com 866-849-8400

REFERRALS Opt-in for our referral list. Just email judie@ncbia.com HOT DEALS – You can enter your own through your member login area, or email maria.sabala.ncbia@gmail.com for help adding your Hot Deal. Want to try it out? It is FREE forever!! Consumers * You now have the opportunity to share special discounts of “Hot Deals” with consumers who visit our website. Consumers can sign up for the Hot Deals eNewsletter to be notified each time a new Hot Deal is added to the site. Any website visitor can also search online directly for Hot Deals 24/7. Member-to-Member * Member-to-Member deals are also available, but only to members. These are viewable ONLY in the Member login area. JOB POSTING Looking for help? Our job listing service is free. Just email your listing to maria.sabala.ncbia@gmail.com COPY SERVICES Black & White (single sided 8 ½ x 11) $.08

Black & White (2-sided 8 ½ x 11) $.16

Black & White (single sided 8 ½ x 14) $.10

Black & White (single sided 8 ½ x 14) $.18

Black & White (single sided 11 x 17) $.50 Color (single sided 8 ½ x 11) $.25

Color (2-sided 8 ½ x 11) $.50

Color (single sided 8 ½ x 14) $.27

Color (single sided 8 ½ x 14) $.52

Color (single sided 11 x 17) $1.00

DESIGN SERVICES Advertising & Graphic Design Services email maria.sabala.ncbia@gmail.com $50 per hour

October 2021

www.ncbia.com

page 13

EQUIPMENT Raffle Boards, Drum & Equipment * $100 per day Pipe & Drape * $100 per day WARRANTY BOOKS $25 each (plus shipping if applicable)

NAHB BENEFITS & DISCOUNTS BUSINESS MANAGEMENT Payment & POS Solutions * go.heartlandpaymentsystems.com/nahb 800-613-0148 Computers & Hardware *Dell – Up to 40% off Dell computers, servers, electronics & accessories dell.com/nahb 800-757-8442 Office Supplies * Office Depot – Up to 75% off officediscounts.org/nahb

855-337-6811x2897

Business Financing * Ascentium – No down payment financing with nearly anything for your business for the construction industry Ascentium.info/nahbad Marketing Solutions, Building Products * Houzz – 10% off Houzz Pro Ultimate, free with best practices, 10% trade discount on Houzz Shop purchases houzz.com/nahbmembers Job Postings * Constuctionjobs.com – 20% discounts on standard rate job postings nahb.org/careers 828-251-1344 Business Shipping * UPS Shipping – Flat-rate pricing – 50% discount for next day - 30% for ground commercial/residential 1800members.com/nahb 1-800-members Freight Shipping * YRC Freight – At least 75% off less than truckload (LTL) shipping over 150 lbs. 1800members.com/nahb 1-800-members General Business, Building Products * Amazon Business – Additional business savings when you open an Amazon Business account amazon.com/nahb Business Platinum Card® * American Express – Eligible NAHB members can earn 125,000 Membership Rewards® points after spending $30,000 on eligible purchases in the first three months of card membership nahb.org/amex NAHB ASSOCIATION DISCOUNTS Trade Show * NAHB International Builders Show® - Up to $200 off show registration – up to $2.75 off exhibit space buildersshow.com Legal * NAHB Contracts – Up to 30% off contract rates nahb.org/nahbcontracts

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www.ncbia.com

October 2021

Economic & Housing Data * Housing Economics - $100 off annual subscription housingeconomics.com Books * Builderbooks – 10% off books – up to 45% off research builderbooks.com Education * Online Education – Up to 30% off webinars – Up to 50% off online courses nahb.org/education AUTO Chevrolet, Buick, GMC * GM – Save $500 per vehicle on select vehicles for retail customers, Save $500-$1,000 per vehicle on select vehicles for fleet customers, Stackable with most national & fleet offers, NAHB member & household family eligible nahb.org/gm Nissan, Infiniti * Nissan/Infiniti Save between $2,000 - $9,500 per vehicle, must be purchased in member’s company name, not stackable with most national offers, member’s company eligible nahb.org/nissan Rental Cars * Avis – Save up to 30% off Avis Pay now rates when making a reservation with Avis Worldwide Discount (AWD) number G572900 avis.com/nahb 800-331-1212 AWD #G572900 Rental Cars * Budget – Save up to 35% off Budget Paw Now rates when making a reservation using Budget Customer Discount (BCD) number Z536900 budget.com/nahb 800-283-4387 BCD #Z536900 Insurance * Geico – Special discount on personal auto insurance geico.com/disc/nahb 800-3682734 BUILDING MATERIALS Building Materials * Lowe’s Pros – Extra 2% off Lowe’s Account Receivable or Business Account, Free delivery of $500 plus orders, 5% off at store using LAR or LBA lowesforpros.com/nahb 877-435-2440 SHOPPING & ENTERTAINMENT Theme Parks, Movie Tickets, Concerts, Water Parks, Gift Cards * Member Deals – Up to 50% off memberdeals.com/nahb/login=1 877-579-1201) Bulk Discount Retail * sam’s club – One-year membership for $24.88 bit.ly/nahbsams 877-579-1201 Hotels * HotelPlanner – NAHB members can save up to 65% on hotel room rates at over 800,000 properties worldwide in more than 250 countries nahb.hotelplanner.com 800-497-2175

October 2021

www.ncbia.com

page 15

NATIONAL PURCHASING PARTNERS mynpp.com For your business & employees Verizon Wireless * Wireless Voice & Data Services for Your Business 22% off monthly access fees & more Sherwin-Williams * Paints, Stains, Industrial Coatings & Supplies, Special member pricing at Sherwin-Williams Office Depot * Office Supplies & Solutions for Businesses Discounted office items you use every day UniFirst Corporation * Uniforms & Facility Services, receive up to 60% OFF rental & lease rates Airgas * Industrial Gas, Safety & Welding Products - Top-tier pricing on safety supplies & equipment Staples * Office Supplies & Solutions - Save on supplies & services for your business American Express * Choose the right solutions for your business, Business cards for companies of all shapes & sizes Cintas * Uniforms, Safety & Facility Services. You receive up to 65% off Cintas services Verizon Connect Reveal * Fleet management software for businesses, Exclusive discounted pricing for Reveal GPS fleet tracking* YRC Freight * Industrial, Commercial & Retail Shipping, Save on national LTL shipments Batteries Plus Bulbs * Batteries, light bulbs & device repair. Save up to 73% on 200 key items, & up to 40% off retail pricing on over 60,000 items, Also offers recycling services for your spent batteries & bulbs, as well as a Device Repair Program to keep your cell phones, tablets & laptops up & running. Priceline * Exclusive Discounts on Travel, save up to 25% on select hotels Thimble * Business insurance by the day, month or by the job, Switch & save up to 30% Pitney Bowes * Mailing & shipping solutions, up to 20% off new solution leases Worldpay *Smarter, Faster, Easier Payment Processing, $400 statement credit. Top payment solutions. Pharmacy Coupon Club * Prescription drug discount plan, up to 80% off prescription drugs RealTimeTelemed * Family telemedicine service, Telemedicine for your employees & their families Impac Fleet * Universal Fleet Fuel Services, Discount processing for fleet & bulk fueling Hotelogical * Exclusive Hotel Discounts, up to 70% off hotels & resorts worldwide MCAG * Class Action Settlement Recovery, no fees unless there is a recovery

page 16

www.ncbia.com

October 2021

Elavon, Inc. * Credit Card Processing for Businesses, Discounted rates on tailored merchant services Tri-Dim Filter Corporation * HVAC Air Filters for All Your Needs, up to 50% off HVAC air filter products PHMP * Motivation to improve your health, financial benefits for employer & employee. No net cost to employers. USPAY Gateway * .99% Retail Rate for Credit Card Processing, Custom built for speed, security & ease of use 1-800-Flowers.com * 20% off flowers & gift baskets ADP * RUN Powered by ADP® & Workforce Now®, Payroll & HR solutions for small to mid-sized businesses PODS * Up to 10% off moving & storage Omega Auto Care * Vehicle Repair Warranties, up to 30% discount on auto warranties TrueCar * An average $3402 off new vehicles myAutoloan * Quick & Easy Auto Financing, Rates as low as 2.49% TireBuyer.com * Buy Tires & Wheels Online, Save 9% on tires. Free shipping to a local tire installer. Harry & David * Gift Baskets & Food Gifts, 20% off delivered gifts for any occasion Simply Chocolate * Chocolate Gifts & Delivery, 20% off chocolates delivered tech21 * Advanced Protection for All Your Devices, 25% off device protection OptConnect * Wireless Connectivity for Kiosks, ATMs, POS & More, Machine-to-machine wireless for as low as $20/month Omaha Steaks * H&-Cut Steaks & Food Gifts, save 10% site-wide, free shipping offers Cheryl’s Cookies * Cookie Delivery, Desserts & Gifts, 20% off cookies & desserts PetFirst Pet Insurance * Pet Insurance for Dogs & Cats, 10% off pet insurance & more Winc * Online Wine Club Membership, $20 off your first month subscription DentalPlans * Annual Dental Savings Plan, up to 60% off dental procedures

October 2021

www.ncbia.com

page 17

EYE ON HOUSING

EXISTING HOME SALES SURGE in September while First-time Buyers are Priced Out

BY: FAN-YU KUO

s inventory improved in recent months, existing home sales surged to 8-month high in September, according to the National Association of Realtors (NAR). Though housing demand remains strong as buyers want to take advantage of low mortgage rates before rates rise further, higher home prices are pricing out first-time and young buyers. Total existing home sales, including single-family homes, townhomes, condominiums and co-ops, rose 7.0% to a seasonally adjusted annual rate of 6.29 million in September, the highest level since January. However, on a year-over-year basis, sales were 2.3% lower than a year ago, the second annual decline since August 2020. The first-time buyer share fell to 28% in September, down from 29% in August and down from 31% a year ago. This is the lowest level since July 2015. The September inventory level declined from 1.28 to 1.27 million units and is still down from 1.46 million units a year ago. At the current sales rate, September unsold inventory sit at a 2.4-month supply, down from 2.6-month in August and from 2.7-month a year ago. This low-level supply of resale homes is good news for home construction. Homes stayed on the market for an average of just 17 days in September, an all-time low, unchanged from August and down from 21 days a year ago. In September, 86% of homes sold were on the market for less than a month. The September all-cash sales share was 23% of transactions, up from 22% last month and from 18% a year ago. Tight supply continues to push up home prices. The September median sales price of all existing homes was $352,800, up 13.3% from a year ago, representing the 115th consecutive month of year-over-year increases. The median existing condominium/co-op price of $297,900 in September was up 9.3% from a year ago. Geographically, all four regions saw an increase in existing home sales in September, ranging from 5.1% in the Midwest to 8.6% in the South. On a year-over-year basis, sales fell 8.3%, 2.7%, and 3.0% in the Northeast, Midwest and West. Sales in the South stayed unchanged. Meanwhile, the Pending Home Sales Index (PHSI), also reported by the NAR, is a forward-looking indicator based on signed contracts. The PHSI increased 8.1% from 110.5 to 119.5 in August. On a year-overyear basis, sales were 8.3% lower than a year ago.

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www.ncbia.com

October 2021

www.ncbia.com

page 19

WE NEED MENTORS!!! BECOME A MENTOR IN THE NCBIA WORKFORCE MENTOR PROGRAM

Twenty (20) mentors are needed to pair up with 5 students in each of the building trades classes (Masonry, Carpentry, HVAC, & Electrical) at the JVS.

We all know we need more young talent in the industry and this is our opportunity to help make a difference!! PROGRAM GOALS: • Support students in the building trades programs throughout their Junior and Senior years at LCJVS

Mentor Expectations:

• Connect them with industry experts

• 2-year commitment to get a student from Junior year through graduation

• Strengthen job skills

• Join the building trade advisory committee for the class your mentee is in • Assist in getting the student placed for summer internship after junior year and placed in the workforce after their senior year • Twice monthly 15-minute Teams Mtg to check in on the below (no individual onsite or offsite mtgs) • Attendance • Set and monitor quarterly goal • What they have recently learned • What they can use help with • How academics are going • Lab visit for ½ day to engage with the class and teacher for ½ day • Job shadowing opportunities for the class as available • Attend mentor/mentee event for in person pairing

• Assist students in joining the workforce upon graduation

Please contact Tim King (440) 396-0832 or John Toth (216) 409-7277 for any questions and to volunteer for this program. Please register by 11/15.

NAHB NOW

HBAs AWARDED for Outstanding Membership Growth and Retention

AHB recently honored the local and state home builder associations (HBAs) that have demonstrated exceptional achievements in membership through the annual Grand Awards. These awards are given each year to the top association from each group size in several membership categories, including highest numerical increase, percentage growth, retention rate and increase in Affiliate members. “Congratulations to our 2020 Grand Award winners! These HBAs showed outstanding dedication and determination throughout a very challenging year, and I am proud to recognize their efforts and look forward to their continued growth and contributions to the industry,” said Dianne Beaton, 2021 NAHB Membership Committee chair. Here are the 2020 Grand Award winners:

Numerical Increase and Percentage Growth Local Associations: • HBA of Greater Charlotte • Huntsville Madison County BA • Asheville HBA • El Paso Association of Builders • Northern Arizona BA • North Coast BIA • Southwest Kansas BA State Associations: • Nevada HBA

Retention Rate Local Associations: • HBA of Greater Charlotte • Huntsville Madison County BA • HBA of Metro Mobile • HBA of Central Michigan • Building Contractors Association of Otero County • Northeastern Kentucky HBA • Schuylkill BA State Associations: • New Mexico HBA • Nevada HBA Affiliate Numerical Increase • Tampa Bay BA • Greensboro BA • BIA of Hawaii • Lebanon County BA

• North Coast BIA • HBA of Southwestern New Hampshire October 2021

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NOW A TWO DAY SHOW!!!!! EXHIBITOR CONTRACT Company Name (as it will appear in show) __________________________________________

Saturday, February 26th 9-5

Contact Person (print) _________________________________________________________

Sunday, February 27th 10-3

Emerald Event Center, Avon SPECIAL EARLY BIRD PRICING THROUGH DEC. 16, 2021 (SAVE $50)

299 Booth Space ($399 non-members)

AFTER DEC. 16, 2021, $349 AND $449, RESPECTIVELY) DIRECT SALES BOOTHS $149

Booth spaces are LIMITED and available on a 1st Come, 1st Served Basis! 2021 SOLD OUT - Act now to secure your booth!

BOOTH INFORMATION Will you need electricity? _______ YES _______ NO Electric is optional and available on a 1st Come, 1st Served Basis! ______# of Booth Spaces

____________TOTAL AMOUNT DUE

Sponsorships Available Call for More Info!

Showcase Your Business

Printed Name

PAYMENT METHOD:

Please Indicate how you would like to pay for your booth space. ___Invoice

___Check Enclosed

___VISA/MC/AMEX/DISC*

**A $5.00 Convenience Fee will be charged for all Credit Card Payments

*If you select credit card, our office will call for your card information.

Event Sponsors: Our Biggest Consumer Event of the Year!

Over 1000 Local Consumers Expected

Questions? Contact the NCBIA at (440) 934-1090

Supporting Sponsors:

Bag Sponsor: Rev. 6/20/2021

RULES AND REGULATIONS GOVERNING EXHIBITS MANAGEMENT: The North Coast Building Industry Association (NCBIA) shall be deemed Event Management and shall have all rights thereto assigned. (From here on the North Coast Building Industry Association will be referred to as NCBIA). CHARACTER OF EXHIBITS: NCBIA reserves the right to approve all exhibits. The exhibits and the distribution of promotional material shall be limited to the confines of the Exhibitor’s space. Under no circumstances shall any Exhibitor be permitted to attract attention to his/her exhibit in such a way as to distract or interfere with the other exhibitors. REGISTRATION: Exhibitors and their employees at the Event should wear a registration badge and/or tag for proper identification. SET UP/REMOVAL OF EXHIBITS: All exhibits must be placed and ready at the opening of the show and no movement of exhibits will be permitted until after the close of the show. Exhibits must remain intact until after closing of the show and be removed within such time as may be specified by the NCBIA. Strict compliance with move in and move out times is mandatory. A fine for late move in and/or early move out will be assessed at the discretion of the NCBIA. RAFFLES: Exhibitors are encouraged to conduct games, lotteries and/or similar activities to increase patron participation, so long as it does not interfere with the other exhibitors. CARE OF EXHIBITS/AISLES: Aisles must be kept clear at all times. Seating for buyers must be confined within the exhibitor’s space. Exhibitors are requested at all times to cooperate with the NCBIA in maintaining all exhibits in appropriate condition. *In the event that the Exhibitor does not exhibit as provided herein or fails to comply in any respect with the terms of this agreement, the NCBIA management shall have the right without notice to the Exhibitor, to license the use of said space to any other company, enterprise, person or persons and the Exhibitor agrees to pay any deficiency, loss and/or damage sustained by the NCBIA as a consequence of such failure to occupy space as provided in this agreement. In addition, it is agreed that should the NCBIA be unable to license the use of said space as herein provided, it shall have the right to occupy said space for its own purposes without prejudice to its rights against Exhibitor pursuant to this agreement, including but not limited to the payment of a license fee. *Exhibitor will not sub license any part of the space herein provided for without the express written consent of the NCBIA. In the event the exhibit premises are destroyed or rendered unavailable for any reason whatsoever (whether before or during the scheduled exhibition), the rights of the Exhibitor under this agreement shall be limited to a pro-rated refund of the amount paid for the space licensed. DIRECT SALES: All direct sales vendors must make the payment for their space in full at the time of registration.

COMPLIANCE WITH LAWS: Exhibitors must comply with all federal, state and local laws, regulations and rules that may be in force during the exhibit. INSURANCE: Exhibitors who desire insurance on their exhibits must procure same at their own expense. The NCBIA will not be responsible for any losses incurred by the Exhibitor or its employees because of theft, damage or for any cause whatsoever nor to any property of employee(s) or Exhibitor(s) while en route to or from exhibit. The Exhibitor agrees to make no claim for any reason whatsoever, including negligence, against the NCBIA or NCBIA management, its agents or employees while in the show quarters. Exhibitor agrees to indemnify and hold harmless the NCBIA against any loss, damage or expense (including reasonable attorney’s fees) act or omission of Exhibitor or its agents connected in any way with its exhibits. DECORATIONS, SIGNS, ETC: All equipment in conjunction with the exhibit must be provided by the Exhibitor. However, only the sign of the firm covered by the Exhibitor’s agreement may be placed in the booth or upon printed list of exhibitors or program. All decorations must conform to fire regulations. No exhibit is permitted that is more than eight feet high, or that obstructs other exhibits due to its design or size or that presents a safety hazard to other exhibitors and/or attendees. PAYMENT DEFAULT: A service charge of 15% per month is applicable on all balances after 30 days. In the event any unpaid amount is placed for collection, client and/or agent agree to pay all collection costs, including reasonable attorney’s fees. REFUND POLICY: A partial refund will only be given with a minimum of 45 days notice prior to the event. The NCBIA retains the right to use their own discretion when deeming the reason for refund as a viable one to determine whether refund shall be granted. *The NCBIA shall have the right to make such rules and regulations in connection with the Exhibition as it may deem proper and may amend them at any time, and the NCBIA shall have the full power in the matter of interpretation and enforcement thereof. The rules and regulations heretofore referred to are printed on this agreement and are incorporated herein by reference. Exhibitor agrees to abide by said rules and regulations. *It is agreed that this instrument is a license, and not a lease, and that no leasehold or tenancy is intended to be or shall be created hereby. *This agreement cannot be varied, modified or canceled by the Exhibitor without the express written consent of the NCBIA. *IN WITNESS THEREOF, the Exhibitor has caused this application and agreement to be executed by authorized representative.

REFRESHMENTS: No sample food and/or beverage products may be distributed by exhibitors except upon written authorization of the NCBIA. Signature of Exhibitor ___________________________________________________ Date___________________

MORTGAGE RATES RISE, Activity Declines

BY: LITIC MURALI

he last month of mortgage purchasing and refinancing activities, as reflected in the Mortgage Bankers Association’s (MBA) latest weekly application surveys1, shows a rise in purchase applications and a decrease in refinancing as compared to the prior month’s activity. The 30-year fixed-rate mortgage rate increased, averaging close to 3.15 percent for the month, and was 3.2 percent in the latest week. In the latest week, total mortgage applications, as proxied by the MBA’s Market Composite Index, decreased by 6.3% from the prior week, with the decline driven by a drop in refinancing. On an unadjusted basis, purchasing in the latest week was 12 percent lower than what it was one year ago (year-over-year percent change for the same week), and refinancing was 22 percent lower. The changes in mortgage data, particularly at the end of September, owed to investor concerns over disrupted supply chains, reacting to a recently released and widely followed indicator by the Institute for Supply Management. The refinance share of mortgage activity decreased to 63.3 percent of total applications from 63.9 percent the previous week. The adjustable-rate mortgage (ARM) share of activity decreased to 3.3 percent of total applications. Notes: This monthly analysis of the MBA’s Weekly Application surveys, like similar ones before it on the Eye on Housing site since 2020, accounts for the last four weeks’ Weekly Application Surveys, with each one being released weekly every Wednesday.

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www.ncbia.com

October 2021

HOW SOUND ABATEMENT Helps Create a Healthy Home

f Vintage Revivals founder Mandi Gubler has said it once, she’s said it a million times: “One of our biggest frustrations with [our home] is the road it’s on — more specifically, the noise.” Gubler’s new home is one of the most historically significant buildings in her hometown of Santa Clara, Utah. Lovingly referred to as the “Merc,” the Santa Clara Mercantile Co. was built in 1928 as a supply and gas station, providing a much-needed pit stop for travelers on their way westward. For the next 88 years, the Merc served as a warehouse, grocery store and post office, and was set to become an art gallery before the Gublers purchased it for their family home. Home renovations always come with their share of challenges but converting a nearly 100-year-old commercial space into a family home comes with extra quirks. The Gublers knew they needed to focus on sound abatement to help create a healthy, hushed home. While the home’s large commercial windows make for great views, the noise pollution and traffic on the busy street did not add to its charm. Century-old construction coupled with original single-pane windows were not tight enough to protect the Gubler family from chronic noise exposure. While noisy neighbors or environments can just seem annoying, they can also take a physical toll. Reduced productivity, high blood pressure and even ulcers have been linked to chronic exposure to noise at 50 decibels or higher (the sound level you’d easily find in many offices or classrooms). Among industry pros, noise control is increasingly considered a green building tenet.

That’s where smart sound abatement through architecture and materials comes in, including Andersen A-Series windows, which have the option for triple-pane glass to help improve efficiency and noise reduction. A tightly cased, high-quality window can improve interior acoustics as well, making music and movies sound crisp and conversations less apt to travel. “It was very important to me to match the original style of the windows at the Merc,” said Gubler. She chose Andersen for its customization options, sound abatement, ease of shopping and energy efficiency. Gubler selected A-Series windows with Full Divided Light (FDL) grilles for style and function. The black colonial grille patterns were just what she was looking for. Gubler also opted for an Energy Spacer because of Utah’s extreme summers. “It’s really cool technology and looks great,” she added. At the Merc, each type of window type has a purpose. Fixed windows are perfect for flooding the space with natural light, primarily in the mud room and laundry room (and more rooms to come). Casement windows open similarly to doors, with a hinge on one side and latch on the other and complement the fixed windows on the back side of the building. Gubler chose double-hung windows for the east-facing bedrooms and loves the customized noise control of the sliding panes. With tight upgrades like insulation and high-quality windows, Gubler says the Merc “feels like a giant blanket.” It was important to make such an industrial space feel cozy. She encourages other renovators to think about windows first, as they’re often an overlooked detail that make a major impact in creating a happy, healthy space. October 2021

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STATE AND LOCAL Property Tax Revenues Eclipse $700 Billion BY: DAVID LOGAN

AHB analysis of the Census Bureau’s quarterly tax data shows that $703.5 billion in taxes were paid by property owners in the four quarters ending Q2 2021.[1] Four-quarter property tax revenues have climbed 13.2% since decreasing 0.2% in Q2 2020 (the first decrease since 2012). Year-over-year growth of four-quarter property tax revenue has accelerated each of the past four quarters. Prior to the most recent three quarters, year-over-year growth had not exceeded 10.0% since 2009. Corporate income tax revenues made up only 5.5% of state and local tax receipts, but increased a record 71.0%, year-over-year, as the comparison quarter was the trough of the pandemic-related economic decline. Individual income (+35.5%), property (+13.2%), and sales taxes (+10.2%) also increased over the year.

Property taxes accounted for 38.2% of state and local tax receipts, a 2.8 percentage point decline over the previous quarter. In terms of the share of total receipts, property taxes were followed by individual income taxes (30.6%), sales taxes (25.7%), and corporate taxes (5.5%).

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October 2021

The ratio of property tax revenue to total tax revenue from the four sources shown above remains slightly above its pre-housing boom average of 37%.

The share of property tax receipts among the four major tax revenue sources naturally changes with fluctuations in non-property tax collections. Non-property tax receipts including individual income, corporate income, and sales tax revenues, by nature, are much more sensitive to fluctuations in the business cycle and the accompanying changes in consumer spending (affecting sales tax revenues) and job availability (affecting aggregate income). In contrast, property tax collections have proven relatively stable, reflecting the long-run stability of tangible property values as well as the smoothing effects of lagging assessments and annual adjustments. [1] Census data for property tax collections include taxes paid for all real estate assets (as well as personal property), including owner-occupied homes, rental housing, commercial real estate, and agriculture. Owner-occupied and rental housing units combine to make housing’s share the largest among these subgroups.

October 2021

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EYE ON THE ECONOMY

AFFORDABILITY HEADWINDS Will Increase

hile the housing market is showing signs of stabilizing after a period of cooling, housing affordability will decrease in the quarters ahead. Home prices are up more than 30%, on average, nationwide since the start of 2020. And interest rates will rise as the Federal Reserve tightens monetary policy. Indeed, the 10-year Treasury rate has increased 37 basis points since the start of August. And consumer confidence has declined to a seven-month low in September because of virus and inflation concerns. The prospect of higher taxes is certainly having a negative impact as well. Recent housing market data, however, have shown stability. The NAHB/Wells Fargo Housing Market Index (HMI) increased one point in September, rising to a level of 76. The index is off a data series high of 90 from last November. Housing starts increased in August because of strength for apartment construction. Multifamily starts are up almost 17% on a year-to-date basis thus far in 2021 as a rebound for the rental market has taken hold. Single-family starts were down 2.8% for the month and seem to have found a sustainable pace of approximately 1.1 million per year. Nonetheless, the surge in single-family construction at the end of last year means that, for the first time since 2013, there are now more single-family homes currently under construction than individual apartments. Existing homes sales, as reported by the National Association of REALTORS, decreased 2% in August. While higher prices have slowed resale housing demand, inventory struggles continue to limit sales volume (and encourage more home construction). Unsold inventory stands at just a 2.6-month supply at the current sales pace. New home sales increased 1.5% in August (effectively unchanged), but are 24% lower than a year ago because of higher construction costs and some limiting of sales. A year ago, 43% of new home sales were priced below $300,000. In August, the share fell to 30%. Inventory is balanced, at a 6.1-months’ supply. Builders will need to watch resale inventory in local markets to gauge how higher prices and rates are affecting available demand. While higher home prices have priced out some buyers, particularly among first-time buyers, home owner equity/wealth has surged to $23.6 trillion. Increased levels of home equity have supported ongoing strength in the remodeling markets. Yet those higher prices, combined with clear signals from the Federal Reserve, point to declining housing affordability ahead. The Federal Reserve is expected to announce tapering mortgage bond purchases at the November Fed meeting. As the Fed reduces these purchases, upward pressure will be placed on interest rates. –NAHB Chief Economist Robert Dietz

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October 2021

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STRONG DEMAND Boosts Builder Confidence Despite Supply Chain Disruptions BY: ROBERT DIETZ

trong consumer demand helped push builder confidence higher in October despite growing affordability challenges stemming from rising material prices and shortages. Builder sentiment in the market for newly built single-family homes moved four points higher to 80 in October, according to the National Association of Home Builders (NAHB)/Wells Fargo Housing Market Index. Despite the increase, builders are getting increasingly concerned about affordability hurdles ahead for most buyers. Building material price increases and bottlenecks persist and interest rates are expected to rise in coming months as the Fed begins to taper its purchase of U.S. Treasuries and mortgage-backed debt. Policymakers must focus on fixing the broken supply chain. This will spur more construction and help ease upward pressure on home prices. Derived from a monthly survey that NAHB has been conducting for 35 years, the NAHB/Wells Fargo HMI gauges builder perceptions of current 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 major HMI indices posted gains in October. The index gauging current sales conditions rose five points to 87, the component measuring sales expectations in the next six months posted a three-point gain to 84 and the gauge charting traffic of prospective buyers moved four points higher to 65. Looking at the three-month moving averages for regional HMI scores, the Midwest rose one point to 69, the Northeast held steady at 72, the South and West each remained unchanged at 80 and 83, respectively. The HMI tables can be found at nahb.org/hmi.

October 2021

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GOOD AND BAD Housing Provisions in $3.5 Trillion Reconciliation Plan

s NAHBNow reported previously, House Democrats are working to draft a $3.5 trillion Build Back Better plan that includes onerous tax hikes of $2 trillion and aggressive energy efficiency requirements in model building energy codes that would harm housing affordability. This ambitious plan, which focuses on what the White House refers to as “human infrastructure,” also contains several other elements of interest to the housing community.

Affordable Housing Provisions House Financial Services Committee Chairwoman Maxine Waters (D-Calif.) seeks to include portions of the Housing is Infrastructure Act of 2021 into the broader Build Back Better legislative package. The base text contains: •

• • • •

• •

$300 billion in affordable housing funding, including $34.77 billion for the HOME Investment Partnerships Program, $75 billion for Housing Choice Vouchers and $15 billion for new Project Based Section 8 contracts. $4.8 billion for rural multifamily housing. $8.5 billion for the Community Development Block Grant (CDBG) program. $4.5 billion for NAHB-supported CDBG competitive grants that would require local jurisdictions to eliminate impact fees and restrictive zoning requirements. $200 million in grant funding through the Department of Agriculture’s Sections 502, 504 and 523 programs to help low-income homeowners in rural areas purchase, repair, upgrade and preserve modest, affordable homes, including manufactured homes. $50 million to support sweat equity and volunteer-based homeownership programs for low-income households. $770 million for fair housing initiatives.

The chairwoman’s legislation would also forgive the National Flood Insurance Program’s (NFIP) debt and includes $3 billion for flood mapping and risk analysis. It also provides $1 billion to launch a subsidy program to help low- and moderate-income households buy flood insurance and close the coverage gap that leaves poorer households and communities more vulnerable to flood damage. The package also provides first-time, first-generation home buyers with the greater of $20,000 or 10% of the purchase price of an eligible home, including down payment costs, closing costs and costs to reduce the

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rates of interest. The Waters bill also provides $500 million to subsidize 20-year mortgages for first-generation home buyers in order to accelerate home equity. It also includes $100 million for HUD to carry out a pilot program to expand small-dollar lending options to everyday home buyers. View the fact sheet for the Housing is Infrastructure Act of 2021.

Labor/Immigration Provisions The House Education and Labor Committee is proposing dramatic increases in monetary penalties for employers who violate the National Labor Relations Act with unfair labor practices. These proposed fine increases are so large that NAHB believes businesses facing fines may be forced to close. For example, the civil fees for each willful violation would go from a maximum of $7,000 to $70,000, and the minimum fee would jump from $5,000 to $50,000. As proposed, these civil penalties are excessive. NAHB is urging Congress to reassess these penalties. On a positive note, the bill also includes funding investments for career technical education as well as funding for JobCorps and Youthbuild. NAHB supports efforts to provide additional funding for these programs because such support will help provide good jobs for new workers and help address labor shortages in various industries including residential construction. The House Judiciary Committee’s proposed reconciliation legislation could allow four groups of immigrants to become permanent U.S.

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October 2021

residents — Deferred Action for Childhood Arrivals (DACA) also known as “Dreamers” (undocumented immigrants who were brought to the U.S. illegally as children and who grew up knowing America as their only home); essential workers; temporary protected status (TPS) individuals (nationals of specifically designated countries that are confronting an ongoing armed conflict, environmental disaster, or extraordinary and temporary conditions); and deferred enforcement departure (DED) individuals. Immigrants are an essential part of the construction industry workforce. TPS beneficiaries and DACA participants with legal work authorization

have helped to fill part of the construction industry’s growing labor gap. As construction was designated as an essential industry by the U.S. Department of Homeland Security, our industry will also benefit from essential workers becoming permanent U.S. residents. Separately, the reconciliation package would also provide additional funds for forestry management/wildfire prevention efforts. It also includes investments in core and traditional transportation and infrastructure programs that NAHB supports because thriving real estate markets depend on high-quality, accessible and efficient infrastructure.

WHAT DOES THE RECENT WOTUS RULE Mean for your Projects?

s NAHBNow previously reported, the U.S. Environmental Protection Agency (EPA) and the U.S. Army Corps of Engineers (the agencies) recently halted implementation of the “waters of the U.S.” (WOTUS) regulatory definition as finalized under the Trump administration’s Navigable Waters Protection Rule (NWPR), reverting back to a pre-2015 WOTUS regulatory definition. The Sept. 3 announcement was an abrupt reversal because the agencies had previously committed to a series of public hearings, followed by a two-step federal rulemaking process, during which time the WOTUS regulatory definition as finalized under the NWPR was to remain in effect nationwide. To help builders and developers understand how to move forward with ongoing or planned projects, NAHB developed FAQs to provide interim (unofficial) guidance based upon the Clean Water Act (CWA) statute, existing regulatory guidance documents, and past practices by the agencies during previous instances of changing interpretations of the WOTUS regulatory definition. NAHB will continue to press the agencies for additional guidance concerning the status of the ruling by the U.S. District Court for the District of Arizona to vacate the NWPR, timing of expected field hearings by the agencies on a new WOTUS definition, and a timeframe for when the Biden administration will propose a new WOTUS regulatory definition under the CWA. You can access the WOTUS FAQs on nahb.org.

October 2021

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page 35

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October 2021

CALENDAR OF EVENTS N

Spike Appreciation Month

OHBA Fall Board of Trustees Meeting Hilton Easton, Columbus

Thanksgiving (Office Closed)

3:00-5:00 pm - Executive Committee Meeting 5:00-6:30 pm - Board of Directors Meeting

1315

NAHB Fall/Winter Board Meeting Virtual

24 27

Christmas Eve (Office Closed)

New Year’s Eve (Office Closed)

Christmas Day Observed (Office Closed)

For the latest updates, please visit ncbia.com Rev. 10/24/2021

OHBA EXECUTIVE VP COLUMN

MORE HOUSING Needed We’re hearing this more and more recently. While it took rapidly escalating prices to bring that fact home, at least it has woken some up. According to most sources, the cause of the problem is the lack of supply. In elementary economics, when demand outstrips supply, prices increase. What is unfortunate though is that affordability has taken a big hit. Whatever the term used, ‘workforce’ or ‘affordable’ housing, prices are out of reach for many. The outlook appears to continue on this path. It is encouraging that many state legislators now realize more housing is needed. We now need to prop up local government officials to face the facts, as well. It will take some hard work to reverse the trend. I rarely get enthused about development issues when I read the New York Times. However, they are all over the situation in California where the state is bulldozing over local zoning regulations to encourage increasing the housing stock. That state is home to exorbitant impact fees, restrictions on energy sources and tough building codes. Perhaps past actions contributed to the current crisis (doh). We’ll see. One section of the recent story is quizzical though:

“To mitigate the affordable housing crisis, California is allowing homeowners to build multiple dwellings on a single-family lot. Some embrace the move, others reject it, BUT ALL AGREE ON ONE THREAT: DEVELOPERS.”

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

My guess is California HBA’s resisted most of the craziness in the past which led to the shortage. A key issue here for me is we need to listen more to developers and builders as to ways to increase our housing stock. I recall when government officials in California were celebrating all their forward thinking. Look where it got them. We continue to draw attention to housing needs in Ohio. Fortunately, other statewide groups are starting to join in. Naturally, there are those who continue to oppose reasonable development actions. In any event, we know our mission here with builders and developers in the lead.

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October 2021

CONSTRUCTION JOBS Plentiful, but Where are the Workers?

AHB Chief Economist Robert Dietz recently provided this housing industry overview in the bi-weekly e-newsletter Eye on the Economy. Economic growth for 2021 is expected to post the best GDP expansion rate since 1984. However, forecasters have been revising down their estimates. A combination of factors has diminished the bloom of the economic rose: the delta variant wave (although that wave is now easing), concerns over government spending and higher taxes, and ongoing supply-side challenges that are contributing to inflation and point to higher interest rates. As a result, consumer confidence fell to a seven-month low in September. The Bureau of Labor Statistics employment report for September registered a gain of only 194,000 jobs. Forecasters, including NAHB, were looking for a gain closer to 500,000. As the unemployment rate fell below 5% for the first time since the recession of 2020, the ongoing labor shortage will grow tighter unless the labor force participation rate recovers, and more individuals look for work. Indeed, the number of open, unfilled jobs in the construction sector now totals 344,000. As of September, residential construction workers totaled 3.1 million, broken down as 882,000 builders and 2.2 million residential specialty trade contractors. Over the last 12 months, home builders and remodelers added 136,300 jobs on a net basis. Since the low point following the Great Recession, residential construction has gained nearly 1.1 million positions. And more will be needed as the sector continues expanding to meet demand.

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October 2021

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(800) 442-8277 www.hastingsmutual.com

404 E. Woodlawn Ave. Hastings, MI 49058

Building Your Business Select Contractors 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 floats, 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.

For more information contact:

Theresa Riddell (440) 420-1175 The Nelson Agency, Inc. tmycps@oh.rr.com 116 4th St., Elyria, OH 44035 Phone: 440-323-8002 -ORFax: 440-323-8055 Drywallersinsurance1@prodigy.net

Brett Adams A member of: (419) 515-0506 adamsb@sprouseagency.com

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. The information referred to is not a policy. Refer to your policy for specific coverage.

SS-1 (10/19)

NEW HOME BUYERS LIMITED WARRANTY BOOKS NOW AVAILABLE Warranty book Updated and Available FOR ONLY $25 EACH! In a binder so you can include other walkthrough documents, warranties, etc.

Email your order to judie@ncbia.com or call the NCBIA Office at (440) 934-1090 page 42

www.ncbia.com

October 2021

Exclusive Incentives on your next vehicle available for NAHB Members

This full-line fleet just went corporate. The Nissan Business Advantage is a one-stop fleet shop for all your corporate needs. With America’s only full-line fleet import brand,* it’s the perfect addition to help your business reach its goals. Get ready to handle all your fleet needs from vans to sedans.

nahb.org/nissan *2021 Ward’s Light-Vehicle Fleet U.S. Market Segmentation.

Clambake

PHOTO GALLERY

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October 2021

NCBIA

Clambake

THANK YOU, SPONSORS! EVENT SPONSORS

RAFFLE BOARD SPONSOR

DESSERT SPONSOR

TABLE SPONSORS

page 46

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October 2021

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www.ncbia.com

October 2021

October General Membership Meeting

PHOTO GALLERY

OCTOBER • NORTH COAST BUILDING INDUSTRY ASSOCIATION •

GENERAL MEMBERSHIP - A N D E LE CT I O N N I G H T -

THANK YOU, Sponsors!! Event Sponsors

Dessert Sponsors:

Drink Sponsor:

Specialized Business Financing NAHB Members: Request $0 Down! Fast. Flexible. Financing. Ascentium Capital makes it easy to finance your business assets! Use our consultative approach to create a finance program that compliments your cash flow. Plus: the $0 down program may help you avoid up-front costs. Take advantage of the benefits of financing:

Finance Nearly Anything for Your Business • •

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Request a no obligation finance quote: We can quickly provide a finance quote. If you’re not purchasing now, ask about pre-approval. We’re here to help finance your next opportunity!

Contact Ascentium to learn more: Visit: Ascentium.info/nahbfl Call: 844.340.9019 Email: Finance@AscentiumCaptial.com NAHB Reference Code: 145159 1 Financing and instant decisions subject to credit parameters. Please contact your tax advisor regarding tax incentives. Neither Ascentium Capital nor National Association of Home Builders is the agent of the other. Ascentium not being the manufacturer, seller or distributor of the equipment, makes no representation or warranty on the equipment. Loans made or arranged pursuant to a California Financing Law license.

www.AscentiumCapital.com

LEGISLATIVE REVIEW

OCTOBER 4, 2021 REPORT #10 HB 175 PASSES THE HOUSE WITH DEBATE After being voted out of committee along party lines, HB 175, addressing regulation of ephemeral features, passed the entire House last week. Before taking a vote, several Representatives spoke passionately in favor of and in opposition of HB 175. The floor discussion during House session can be found at minute 11:50 in the following link. https://www.ohiochannel.org/video/ohio-house-of-representatives-9-29-2021 Even with the most recent Arizona Court ruling reinstating the pre-2015 WOTUS rules and definitions, bringing ‘ephemeral streams’ back under the jurisdiction of the Army Corp of Engineers, HB 175 remains an important vehicle in a very fluid, and uncertain future of how these and other water features will be defined and regulated. The final vote – yeas 61, nays 33, as follows: Those who voted in the affirmative were: Representatives Abrams, Baldridge, Bird, Brinkman, Brown, Callender, Carfagna, Carruthers, Click, Creech, Cross, Cutrona, Dean, Edwards, Ferguson, Fowler Arthur, Fraizer, Ginter, Grendell, Gross, Hall, Hillyer, Holmes, Hoops, John, Johnson, Jones, Jordan, Kick, Koehler, Lampton, LaRe, Lipps, Loychik, Manning, McClain, Merrin, Miller, K. Oelslager, Pavliga, Plummer, Powell, Ray, Richardson, Riedel, Roemer, Schmidt, Seitz, Stein, Stephens, Stewart, Stoltzfus, Swearingen, Vitale, White, Wiggam, Wilkin, Young, B., Young, T., Zeltwanger, Cupp-61 Those who voted in the negative were: Representatives Blackshear, Boggs, Boyd, Brent, Crossman, Denson, Galonski, Ghanbari, Hicks-Hudson Howse, Ingram, Jarrells, Kelly, Lanese, Leland, Lightbody, Liston, Miller, A., Miller, J., Miranda, O'Brien, Robinson, Russo, Sheehy, Skindell, Smith, K,. Smith, M,. Sweeney, Sykes, Troy, Upchurch, Weinstein, West-33. Feel free to contact OHBA with any questions

LEGISLATIVE UPDATE

SB 64 Roofing Contractors (Hottinger, J., Lang, G.) To regulate and require the registration of roofing contractors.

SB 64 is scheduled to be heard in the Senate Government Oversight and Reform Committee on Wednesday. OHBA has worked closely with the insurance industry to clarify intent and exclude new home construction, keep registration simple and tied to insurance claims. HB 126 Property Values (Merrin, D.) To require local governments that contest property values to formally pass an authorizing resolution for each contest and to notify property owners. After strong proponent testimony on September 21st, no further hearings have been scheduled on HB 126. The proponents’ clearly explained Ohio is part of a handful of states that allow local school districts to initiate a real property valuation complaint or review process against a single parcel of land. While this legislation does not end the practice of revaluation by a second local government entity, it does codify a more uniform process of notification for the property owner if a complaint is filed by a third party. OHBA has urged continuing hearings on HB 126 to hear the local governments and school board’s responses to the compelling proponent testimony. Please feel free to contact with any questions

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October 2021

SAVE THE DATE Mark your calendar for OHBA’s Fall Board of Trustees Meeting on November 16, 2021 at the Hilton Easton, Columbus. Meeting material will be emailed out this week. The room block is open at the Hilton Easton. Room cut-off date is October 16th. Use this link to reserve a sleeping room- https://www.hilton.com/en/hi/groups/personalized/C/CMHCHHF-HBA-20211115/index.jhtml?WT.mc_id=POG Group Name is Ohio Home Builders Association and code is HBA or call the Hilton to reserve your room at (800) 445-8667. Request Ohio Home Builders room block. Room rate is $199 plus tax per night.

October 2021

www.ncbia.com

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Dell Technologies

New Program: RingCentral Opt-in to promote NAHB's newest program. Members now save 15% each month on a new RingCentral Office service, and receive $50 off the list price on any RingCentral phone. If a member already has a RingCentral account, they can enroll in the NAHB program to save more by calling (800) 417-0930, mentioning their NAHB membership and re-signing a new two year contract. LEARN MORE

Lowe's for Pros GET VOLUME SAVINGS. Save on orders of more than $1,500 made through the Lowe's Pro desk with our Volume Savings Program. Discount on eligible products purchased in store only and reflected in quote. Visit the Pro Desk today for more information.. LEARN MORE

General Motors

General Motors is proud to offer NAHB Members a Private offer of $500 or $1,000 toward the purchase or lease of an eligible new Chevrolet, Buick or GMC vehicle (excluded vehicles include Chevrolet Blazer, Corvette, Spark, Spark EV, SS, Trax, Volt; Buick Lacrosse, Regal, Verano, Cascada; all Cadillac models). Available through Jan.2, 2022. LEARN MORE

Wherever work takes you, we’ll be there. Stay productive no matter where you are with seamless technology solutions to keep you connected from anywhere. NAHB Members save an additional 5-10% off Dell-branded technology by calling 855-900-5548 or shop at www.dell.com/ NAHB. You can also reach out to Steven.Shipe@dell. com for more information.

UPS As we approach the holiday season, make sure your packages arrive right on time with the help of UPS©. Take advantage of your NAHB member-only savings and receive: • 50% off Domestic Next Day/Deferred. • 30% off Ground Commercial/ Residential. • 50% off International shipments. • Plus, UPS Smart Pickup® service is free. Ship early and save up to 50%! LEARN MORE

New Offer: American Express Business Platinum® Card Eligible NAHB members can earn 175,000 Membership Rewards® points after they spend $30,000 on eligible purchases on the Card in the first three months of Card Membership. Terms apply. LEARN MORE

HotelPlanner

Office Depot

NAHB members can now get proprietary closed user group pricing on hotel room rates at over 800,000 locations worldwide. Whether you are looking to book a luxury beach resort in the Caribbean, an urban upscale hotel in New York City, a cozy bed ‘n’ breakfast in Savannah… or maybe a rental condo in the mountains, you can save with exclusive negotiated rates.

As a member of NAHB, you have access to special pricing with Office Depot wherever business takes you. Your discount never expires and can be used for personal, school or business purchases such as ink, toner, paper, office furniture and even cleaning supplies!

LEARN MORE

Find all the essential items you need to keep running as efficiently as possible. With free next-business-day shipping*, we make sure you have what you need, when you need it. LEARN MORE

Avis/Budget Enjoy the change in seasons and plan your fall getaway with savings from your NAHB Avis and Budget Car Rental Savings Program. With the Pay Now feature, members can save up to 35% off base rates on every rental, plus receive additional offers like dollars off, a complimentary upgrade or a free weekend day.. LEARN MORE WITH AVIS LEARN MORE WITH BUDGET

Vehicle Proof of Membership Forms Obtain your Proof of Membership Forms before going to the dealership. Members Print Forms Themselves Members can print off their Proof of Membership Forms directly at: www.nahb.org/GM www.nahb.org/NISSAN Any issues logging-in, contact NAHB Helpdesk at 202-266-8313; nahbsupport@nahb.org.

MemberDeals 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! LEARN MORE

MESSAGE FROM Randy Strauss - Ohio State Rep to NAHB

ello Ohio Home Builders and Associate Members. I spent all of last week in Houston, Texas attending the NAHB in-person Fall Leadership Meetings. It was the first time, in almost two years, since the 2020 International Builders Show that we had an in-person meeting. Actually, it was fairly well attended and everyone seemed very happy to be meeting once again and not using zoom or some other virtual format. I want to share with you a couple of things that I hope you will find of interest. Please see the attachments and feel free to share with your members. 1) NAHB Senior VP & Chief Economist Dr. Dietz’s economic forecast 2) NAHB Quick Issues Index 3) NAHB’s Full Building Industry Issues - a long in depth summary of just about everything. If you have any questions, comments or concerns, please let me know. As always my best to you all and I look forward to seeing everyone in Columbus for our fall OHBA meetings, November 16th. Best, Randy K Strauss Ohio State Rep to NAHB 1025 Milan Avenue Amherst, Ohio 44001 Office: 440-984-2575 Cell: 440-935-2929 randykstrauss@aol.com

Randy Strauss, Strauss Construction, Inc.

“

See the following monthly talking points from NAHB. I find this to be a great tool to see what NAHB is doing for all of us, between our regular meetings.

“

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October 2021

WE’RE MORE THAN HOMES We feed your piggy bank. We’re relentless when it comes to securing contracts that enable our members to maximize their profits. Through agreements with more than 20 national companies, we offer exclusive discounts on vital products and services. Cut costs now by becoming a member at nahb.org/join.

Housing Affordability Declining

as Supply-Chain Issues Persist NAHB Leadership Council October 15, 2021

Robert Dietz, Ph.D. NAHB Chief Economist

^^^Click anywhere on the image to view the entire PowerPoint presentation online.

Quick Issues Index – Fall Leadership Meetings 2021 Reconciliation Tax Proposals • Congress is currently debating the $3.5 trillion Build Back Better Act, which is one of the White House’s centerpiece policy proposals, focusing on what they refer to as “human infrastructure.” This plan calls for over $2 trillion in tax increases. • NAHB strongly opposes these tax increases, which risk broad harm to the still fragile economy. • NAHB successfully worked to preserve several key provisions, including 1031 like-kind exchanges, maintains stepped-up basis for estates, and carried interest. • It remains unclear if the Democrats will be able to navigate their own internal politics and deliver a bill to the president, or if the divisions within the party will sink this effort. Energy Tax Incentives • House Democrats have proposed a complete overhaul of the existing energy tax incentives, many of which are slated to expire at the end of the year • Many of these proposed changes are positive, but some would diminish the utility of these credits moving forward. • Of concern is the proposal to shift qualification of the Section 45L tax credit to participation in the Energy Star Program, which is a niche program.

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Low Income Housing Tax Credit • The Build Back Better Act includes a historic investment of new resources into LHTC—more than $30 billion over 10 years. • Key provisions include a 50% increase in credits allocated to the states; making all rural areas eligible for a basis boost; and allowing bond deals to also qualify for a basis boost based on the financial needs of that project. Preferred Stock Purchase Agreements (FHFA/Treasury) • Federal Housing Finance Agency (FHFA) and the U.S. Department of the Treasury (Treasury) announced amendments to the Preferred Stock Purchase Agreements (PSPAs). • These PSPAs govern support for the GSE’s conservatorship. • The provisions allowed the GSEs to build capital, but included limits to the activities of the GSEs. • NAHB pushed back, joined with other associations. • Treasury Secretary Janet Yellen and FHFA Acting Director Sandra Thompson recommending changes to or elimination of the provisions. • Less than a week later, on September 14, Treasury and FHFA announced they would suspend these problematic policy provisions. OSHA COVID-19 Emergency Temporary Standard • On June 29, 2021, the federal Occupational Safety and Health Administration (OSHA) issued the highly anticipated Emergency Temporary Standard (ETS) to address workplace safety issues involving COVID-19.

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October 2021

• • •

• •

The rule contains new enforceable requirements for employers to protect workers from COVID-19 for healthcare workers. NAHB and other partners in the Construction Industry Safety Coalition (CISC) to ensure the views of the residential construction industry were included when considering ETS. The construction industry argued that an ETS is not needed given the declining case counts, the low-risk nature of construction work, the increase in vaccinations in the adult population in the U.S., and the ever-changing nature of the pandemic. Ultimately, OSHA decided to apply the ETS only to healthcare settings. This was an advocacy victory for NAHB because the unions and other stakeholders pushed for a much broader ETS that would have been applicable to all workplaces, including the construction industry.

OSHA Emergency Temporary Standard – Vaccine Mandate • On September 9, 2021, President Biden issued the Path Out of the Pandemic, a national strategy to combat COVID-19. • One prong of the six-prong plan would require all employers with 100+ employees to ensure their workers are vaccinated or tested weekly. • OSHA is working to develop a plan to require these measures. • There is still a lot unknown, including plans for testing costs and enforcement. Arizona District Court vacates WOTUS Definition • On August 31, 2021, a Federal District Court in Arizona issued a ruling vacating the WOTUS definition as established under the Trump administration’s Navigable Waters Protection Rule (NWPR). • Immediately following the Arizona Court’s ruling, the agencies released a joint statement that they have halted implementation of the NWPR’s WOTUS definition and instead are implementing a pre-2015 WOTUS regulatory definition until further notice. • NAHB and other trade associations are working to support the intervenors in the Arizona case to seek a stay of the ruling. NAHB posts WOTUS FAQ on nahb.org • Following the August 31, 2021 announcement by the agencies halting implementation of the NWPR’s regulatory definition of WOTUS, NAHB prepared a FAQ for NAHB members. • This FAQ includes interim guidance, and explains the differences between the pre-2015 definition and the post-2015 definition. Senior Officers and NAHB members participate in WOTUS hearings • In late August, NAHB Chairman Chuck Fowke attended a roundtable in Iowa on the WOTUS situation. • Over the following weeks, various NAHB Senior Officers and members attended meetings to advocate for NAHB’s position on the rule change. FEMA Risk Rating 2.0 • On April 1, 2021, the Federal Emergency Management Agency (FEMA) released details outlining an implementation schedule for Risk Rating 2.0. • The new Risk Rating 2.0, framework changes the way FEMA rates a property’s flood risk and prices flood insurance. • Builders will be able to impact the cost of flood insurance for the homes they build based on choices made around certain building practices. ICC Group A Public Comment Hearings • The ICC Group A Public Comment Hearings were recently held in Pittsburgh from September 21-26. • NAHB took a position on 63 proposals and were successful on 46 (72%). For the high priority proposals we opposed, NAHB was

•

14-3 (82%). The final outcome for this year’s proposals have not been determined. The last step in the process is the ICC Online Vote which begins on (or around) October 15th and will be open for 2 weeks.

One and Done • NAHB is asking its members to become part of their grassroots efforts to improve the building codes. • Participants are asked to reach out a local code official from an NAHB supplied list and provide them a list of proposals important to the building industry. Lumber and Building Materials • Over the course of the pandemic, NAHB members have faced widely varying lumber prices due in part to shortages in supply, increased demand from both residential construction professionals as well as homeowners working on improving their homes individually (DIY-ers). • Lumber prices have come down from highs observed in May 2021, but over the last several weeks, prices have increased. • We expect lumber prices will remain volatile. • U.S.-Canada softwood lumber dispute remains ongoing with no long-term resolution in sight. • NAHB has increased advocacy efforts and outreach to legislators and policymakers.

*Click anywhere on the page to view the full document online.

Enrollment deadline approaching soon The deadline to enroll in the Sedgwick workers’ compensation group rating program is just around the corner! Enrollment paperwork was sent to you for our traditional group rating and/or group retrospective rating programs. The deadline to enroll in these programs is quickly approaching. Don’t miss out on your opportunity for significant premium savings! •

Group Rating - Sedgwick must receive your enrollment by November 17, 2021

•

Group Retrospective Rating - Sedgwick must receive your enrollment by January 26, 2022.

Sedgwick is proud to deliver workers’ compensation claims management and cost containment strategies to nearly 65,000 hard-working Ohio employers and have our endorsement. Sedgwick has saved Ohio employers participating in group rating more than $4 billion over the past ten years and Ohio employers participating in group retrospective rating have earned over $630 million in refunds since implementation in 2009. For more information, or

if you haven’t already applied and would like to receive

a savings quote, contact our Sedgwick program manager, Bob Nicoll at 330-418-1824 or robert.nicoll@sedgwick.com.

Time is running out! Get your paperwork in today!

Safety starts at the top Successful organizations establish safety as a core value of their operations. Senior leadership, including the top executive on site, must be role models to all employees for creating a safe work environment. Active leadership includes, at a minimum: •

Authorizing the necessary resources for accident prevention.

•

Discussing safety processes and improvements regularly during staff or employee meetings.

•

Ensuring that all members of management are held accountable for accident prevention activities and processes.

•

Annually assessing the success of the safety process by utilizing perception surveys, personal interviews, and behavior sampling strategies.

•

Encouraging employees to take an active part in maintaining a safe workplace.

Implementation Senior leadership must assume the leadership role in establishing the importance of safety in all operations. By taking the lead, leadership can effectively use its safety process to contribute to the bottom line and better service to customers by reducing losses due to accidents. The full support and active commitment of senior management is vitally important because it encourages supervisors at all levels to make the safety process a success through accountability. This requires measuring actual performance against pre-established objectives and goals through the organization’s performance appraisal system. There are many ways senior leadership can participate to show active leadership in safety processes: •

Issue a written Safety Policy, affirming safety as a core value to the organization.

•

Establish both annual and long-term safety goals.

•

Establish safety responsibilities and a system of accountability for all levels.

•

Regularly include safety topics in meetings.

•

Regularly review progress of the safety process with department heads, supervisors, and employees.

•

Accompany supervisors or safety team members during their periodic safety inspections.

•

Review copies of all completed accident investigation reports.

•

Openly discuss safety with employees during periodic tours.

•

Participate, as a student, in employee safety training programs, such as first-aid training.

•

Participate in meetings with loss control consultants.

•

Use accident loss reports to analyze and develop solutions.

•

Review minutes of safety team meetings.

•

Review safety survey reports.

As noted above, a written safety policy is a sign of your organization’s commitment to providing a safe working environment. Essentially, this policy should be a mission statement to foster a culture conducive to a safe work environment. The requirements include: •

Top executive’s philosophy on safety and well-being of employees and commitment to compliance with all applicable governing agencies.

•

Manager, supervisor, team facilitator and employees’ responsibilities regarding the organization’s commitment to workplace safety.

•

Commitment to returning injured or ill employees to work at the earliest and safest opportunity.

•

Signed and dated by the top executive.

•

Communicate to new and existing employees verbally, on bulletin board(s), and in employee handbook.

•

Review the policy on an annual basis with all employees.

Although this seems like a minor step, it is the foundational step in implementing an eﬀective safety process. It expresses the commitment of your organization, its ownership, management, and employees to maintaining a safe work environment for all employees. This communication of intent should be just as important as the organization’s statement of quality of product or service. If you have questions or would like to review in more detail, please contact Jim Wirth at 614.546.7331 or jim.wirth@sedgwick.com.

NCBIA Hall of Fame Members

Terry Goode Inaugural Class 2001

Bucky Kopf Inaugural Class 2001

Robert Nickoloff Inaugural Class 2001

........ Hall

........

FAME FAME North Coast Building Industry Association

Hall of Fame Nominating Form

Calvin Smith Ernie Parsons Inaugural Class Inaugural Class 2001 2001

Dan Strauss Inaugural Class 2001

Randy Strauss Dale Yost Inaugural Class Inaugural Class 2001 2001

Jim Schmidt Class of 2002

Hall of Fame Candidate Name: Title:

Robert Yost Class of 2002

Chris Majzun Class of 2003

Bill Perritt Class of 2003

Company Name: Address: City/State/Zip:

Gene Henes Class of 2004

John Sarnovsky Class of 2004

Mick Mackert Class of 2004

Phone Nomination Submitted by: Company:

Chris S. Majzun, Jr. Andy Kerchmar Class of 2005 Class of 2004

LeRoy Forthofer Class of 2006

Ray Yunker Class of 2006

Larry Franklin Class of 2005

Return the completed form to: Hall of Fame Committee c/o NCBIA 5201 Waterford Dr., Sheffield Village, OH 44035 Phone: 440-934-1090

Phone

Mary Felton Class of 2009

(continued on reverse side) Linda Kacher Class of 2009

Joe Scaletta Class of 2010

Rich Smothers Class of 2010

Jeff Hensley Class of 2020

Jeremy Vorndran Class of 2020

NCBIA Hall of Fame Nominating Form (continued) If you want to check on the criteria for your nominee, please contact the NCBIA office at (440) 934-1090.

Hall of Fame Core Criteria - At least ten (10) years of NCBIA membership - Served on committee(s) and/or councils during the time of membership for a total of seven (7) years - Chaired one (1) committee and/or council- or - Served as President - At least five (5) years as a board member - Must have achieved Life Spike Status

Use additional sheets as needed and please type information when possible. Member from

year

List committees, councils &/or task forces that nominee has served on and indicate chair positions as they apply. committee/council/task force name

Ex. Clambake

- Involvement defined as something that takes a time commitment (not just a monetary one) - Speaking engagements, home show participation, LCJVS or EHOVE liaison, use of logo in advertising, etc.

Other Criteria Considered ~OHBA and/or NAHB involvement ~Sponsorships (e.g. sponsorship program or event sponsorships)

List NCBIA offices held office/directorship

~Task Force Involvement (e.g. Expansion Development Task Force) ~Special Stories/Circumstances (e.g. radio show, 24-hour house) ~Awards received (NCBIA & others) ~Complaints or lack thereof (NCBIA records will be checked for complaints)

List any OHBA and/or NAHB involvement

Industry & Community Involvement

Awards Received (NCBIA and others)

Special Stories or Circumstances that are pertinent

Summary Statement: I believe that the NCBIA Hall of Fame because...

should be named to

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e c n e l l e c x E e l c r Ci of

awards

2021

Call Rev. 10/19/2021

for

Entries

Why Enter? ◊ Circle of Excellence celebrates the top projects completed by the finest 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 “award- winning” company.

Eligibility ◊ The candidate must be a NCBIA member in good standing. ◊ Entry must have been created, produced, or marketed between November 1, 2020 and October 31, 2021.

Entry Preparation ◊ Complete entry must be received by the NCBIA no later than November 30, 2021. There will be no exceptions to entry deadline. ◊ Entry may be submitted via email with one attachment of required items, or in a binder delivered to the NCBIA office. ◊ Payment of the entry fee must accompany entry. ◊ Each entry must be sent separately, clearly marked with what category it is for and who is submitting it.

AWARD CATEGORIES BUILDER OF THE YEAR Entry Fee: $75 Entry Requirements: ◊ Candidate must be a full-time builder. ◊ Please submit a paragraph explaining why you (or the person you are nominating) deserves this award. Community Involvement: ◊ Provide a list of community events that your company was involved in. Customer Service: ◊ Provide two testimonials from homeowners whose homes you have completed within the contest time frame. Marketing: ◊ Provide a set of plans (front elevation & floor plans) without identifying your company name or location of home. ◊ Submit photos of front elevation, kitchen, master suite and one room of choice. ◊ Include an explanation of why this is your most impressive project during this time frame.

Entry Fee: $75

REMODELER OF THE YEAR

Entry Requirements: ◊ Please submit a paragraph explaining why you (or the person you are nominating) deserves this award. Community Involvement: ◊ Provide a list of community events that your company was involved in. Customer Service: ◊ Provide two testimonials from homeowners or business owners whose projects you have completed within the contest time frame. Marketing: ◊ Submit four photos (before and after) of your most impressive project. ◊ Include an explanation of why this is your most impressive project during this time frame.

Entry Fee: $75

ASSOCIATE OF THE YEAR

Entry Requirements: ◊ Candidate must be a member in good standing of the NCBIA. ◊ Please submit a paragraph explaining why you (or the person you are nominating) deserves this award. NCBIA Involvement: ◊ List committee(s) on which you have served. ◊ List special events with which you were involved. Community Involvement: ◊ Provide a list of community events that your company was involved in. Marketing: ◊ Provide 2 testimonials from satisfied customers.

BEST PRODUCTION HOME

Best Single-Family Product Design Under 2,000 square feet 2,001-3,000 square feet 3,001-4,000 square feet Over 4,000 square feet

Best Condo/Cluster Product Design Under 2,000 square feet 2,001-3,000 square feet 3,001-4,000 square feet Over 4,000 square feet

Entry Fee: $75 per entry Entry Requirements: ◊ Submit one copy of the floor plan. ◊ Submit color photo of each: exterior, main living area, master suite, kitchen, and rooms/area of your

choice. ◊ Brief description of the project

BEST CUSTOM HOME Entry Fee: $75 per entry Entry Requirements: ◊ Submit one copy of the floor plan. ◊ Submit color photo of each: exterior, main living area, master suite, kitchen, and rooms/area of your choice. ◊ Brief description of the project Best Single-Family Custom Home

Under 2,000 square feet 2,001-3,000 square feet 3,001-4,000 square feet Over 4,000 square feet

Categories:

BEST LANDSCAPE DESIGN

◊ Best Residential Landscape ◊ Best Commercial Landscape Entry Fee: $75 per entry Entry Requirements: ◊ Submit before and after photo(s). ◊ Brief description of the project

BEST COMMUNITY Categories: ◊ Best Single-Family Community ◊ Best Cluster/Condo Community Entry Fee: $75 per entry Entry Requirements: ◊ Submit description of community. ◊ Submit plat.

BEST SUPERINTENDENT/PRODUCTION MANAGER Entry Fee $75 ◊ Describe the primary responsibilities of the nominated person. ◊ Explain why this person should be recognized.

BEST ACHIEVEMENT IN NEW HOME SALES Categories: Bronze Award Silver Award Gold Award Platinum Award

$1,000,000-$2,000,000 $2,000,001-$5,000,000 $5,000,001-$10,000,000 $10,000,001 and over

Entry Fee: $75 per entry Entry Requirements: ◊ ◊ ◊ ◊

Must be a salesperson representing a builder Must be new home construction sales Total volume closed transactions between November 1, 2020 and October 31, 2021. All entry forms must be validated by the builder with list of transaction, total volume of transaction and date transaction closed.

BEST MARKETING Builder Categories Best Marketing Piece (online or print Ad, Brochure, Flyer, Newsletter) Best Website

Associate Categories Best Marketing Piece (online or print Ad, Brochure, Flyer, Newsletter) Best Website

Entry Fee: $75 per entry Entry Requirements: ◊ Submit copy of marketing piece

BEST KITCHEN REMODEL Entry Fee: $75 per entry Entry Requirements: ◊ Submit before and after photo(s). ◊ Brief description of the project Under $50,000 $50,001 - $100,000 Over $100,000

BEST BATHROOM REMODEL Entry Fee: $75 per entry Entry Requirements: ◊ Submit before and after photo(s). ◊ Brief description of the project Under $25,000 $25,001 - $50,000 Over $50,000

BEST BASEMENT REMODEL Entry Fee: $75 per entry Entry Requirements: ◊ Submit before and after photo(s). ◊ Brief description of the project Under $50,000 $50,001 - $100,000 Over $100,000

BEST ADDITION Entry Fee: $75 per entry Entry Requirements: ◊ Submit before and after photo(s). ◊ Brief description of the project Under $50,000 $50,001 - $100,000 Over $100,000

BEST COMMERCIAL BUILD Entry Fee: $75 per entry Entry Requirements: ◊ Submit one copy of the floor plan. ◊ Submit color photo of each: exterior & up to 4 interior photos. ◊ Brief description of the project Under 3,000 square feet Over 3,000 square feet

BEST COMMERCIAL REMODEL Entry Fee: $75 per entry Entry Requirements: ◊ Submit before and after photos. ◊ Brief description of the project Under $150,000 Over $150,000

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Important Dates: • Deadline for Entry Forms: Tuesday, November 16, 2021 • Deadline to Upload Entries Online: Tuesday, November 30, 2021 • Award Ceremony: Saturday, January 8, 2022 Once entry form is received, information on how to upload your entries will be emailed to you. Company Name (as you would like it to appear on an award): ___________________________________ Contact Person:________________________________________________________________________ Address:______________________________________________________________________________ City, State & Zip:_______________________________________________________________________ Email address:_________________________________________________________________________ # of Entries___________ X $75 per entry = Total Amount Due:__________________________________ Check Enclosed Made Payable to NCBIA

Send Invoice

Pay by Credit Card Credit Card Authorization Name on Card: ________________________________________________________________________ Billing Address: ________________________________________________________________________ Card Number: _________________________________________________________________________ Expiration: CRV: _______________________________________________________________________ Signature: ____________________________________________________________________________ If you would rather call me with credit card information – 440-289-4284 - Judie

Mail completed form along with entry sheet to: 5201 Waterford Drive, Sheffield Village OH 44035 or email (judiencbia@gmail.com) by Tuesday, November 30, 2021

Company Name: ______________________________________________ Contact Person: _______________________________________________ Entries: Please check the categories below that you are entering.

□ BUILDER OF THE YEAR □ REMODELER OF THE YEAR □ ASSOCIATE OF THE YEAR BEST PRODUCTION HOME – SINGLE FAMILY PRODUCT DESIGN Under 2,000 square feet 2,001-3,000 square feet 3,001-4,000 square feet Over 4,000 square feet

□ □ □ □

BEST PRODUCTION HOME – BEST CONDO/CLUSTER PRODUCT DESIGN Under 2,000 square feet 2,001-3,000 square feet 3,001-4,000 square feet Over 4,000 square feet

□ □ □ □

BEST CUSTOM HOME - Best Single-Family Custom Home Under 2,000 square feet 2,001-3,000 square feet 3,001-4,000 square feet Over 4,000 square feet

□ □ □ □

BEST LANDSCAPE DESIGN

□ □

Best Residential Landscape Best Commercial Landscape

BEST COMMUNITY Best Single-Family Community Best Cluster/Condo Community

□ □ □

BEST SUPERINTENDENT/PRODUCTION MANAGER

BEST ACHIEVEMENT IN NEW HOME SALES Bronze Award $1,000,000-$2,000,000 Silver Award $2,000,001-$5,000,000 Gold Award $5,000,001-$10,000,000 Platinum Award $10,000,001 and over

□ □ □ □

BEST ADVERTISEMENT - Builder Categories Best Marketing Piece (Ad, Brochure, Flyer, Newsletter) Best Website

□ □

BEST ADVERTISEMENT - Associate Categories Best Marketing Piece (Ad, Brochure, Flyer, Newsletter) Best Website

□ □

BEST KITCHEN REMODEL Under $50,000 $50,001 - $100,000 Over $100,000

□ □ □

BEST BATHROOM REMODEL Under $25,000 $25,001 - $50,000 Over $50,000

□ □ □

BEST BASEMENT REMODEL Under $50,000 $50,001 - $100,000 Over $100,000

□ □ □

BEST ADDITION Under $50,000 $50,001 - $100,000 Over $100,000

□ □ □

BEST COMMERCIAL BUILD Under 3,000 square feet Over 3,000 square feet

□ □

BEST COMMERCIAL REMODEL Under $150,000 Over $150,000

□ □

Company Name: ___________________ Contact Person: ____________________

Special Association Discount for the North Coast Building Industry Association

SuperFleet Mastercard®

Association Fueling Program A fuel card program designed with associations in mind. EARN AN ADDITIONAL 15¢ PER GALLON!†

• Save 5¢ per gallon at Speedway locations* • Over 2,700 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

CUSTOMER NAME VEHICLE DESCRIPTION VEHICLE IDENTIFICATION

Call Holden Moll at 1-760-918-5933 or email holden.moll@fleetcor.com to start earning your association savings! Earn Speedy Rewards on eligible purchases at Speedway.

Be sure to reference the North Coast Building Industry Association for your special 15¢ discount.

†Limited time offer valid for new Speedway SuperFleet Mastercard applications received from 1/1/2021 through 12/31/2021. New approved accounts will earn 15 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 $300. 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. **Program terms and conditions apply. Visit www.fleetcor.com/terms/superfleet-mc for details. Fees may apply in some cases, such as for optional services, late payments and/or credit risk. 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.

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 RECOMMENED THEM. Holden F Moll Site Management Team o.760.918.5933 c. 442.291.9833 fax 760.918.5932 1902 Wright Pl Ste. 200 Carlsbad, CA 92008 Holden.moll@fleetcor.com

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: Legal Company Name (limit to 28 characters)*

Primary Fleet Contact First Name*

Subsidiary or DBA (limit to 20 characters)

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*

Estimated Monthly Charges/Spending ($)*

Estimated Monthly Gallons*

Company Billing Street Address 1 (If Different Than Card Delivery Address)

# of Vehicles*

# of Cards Needed

Company Billing Street Address 2

FederalTax ID #*

City

ZIP*

State

ZIP

# of Drivers

Statement Delivery Method:

Electronic

Paper

Email Address*:

Type of Organization*: o Sole Proprietorship

o Partnership

o Public Corporation

o Private Corporation

o Non-Profit

 Government & Education

Authorized Signature Required (Representative acknowledges receiving fuel pricing and payment terms)

 LLC

 LLP

Initial Here:

Please 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.

I agree to theTerms of this Application (Please check box) o Print Name* (Authorized Representative)

Signature* (Authorized Representative)

Title:

Telephone #:

Date*:

BUSINESS OWNER/ACCOUNT PRINCIPAL Required for all businesses excluding public corporations, non-profits, governments and educational institutions. Required for all persons owning 25% or more of business. Please use the Appendix to record additional owners. Principal First Name

Middle Initial

Principal Street Address (No PO Boxes)

City

Last Name

Signature (Principal)

Social Security #

State

Date of Birth

Zip

Home Phone #

Does this person have significant responsibility for managing the legal entity listed above?

Yes 

Cell Phone #

No 

***OFFICE USE ONLY*** Market:

Rep ID:

Rep Name:

ATS Code (last 4 digits):

*Required Field

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.