Louisville Builder February 2014

GOVERNMENTAL AFFAIRS UPDATE | REMODELERS COUNCIL UNDER RENOVATION | TABLE TOP NIGHT IS FEBRUARY 20TH

THE OFFICIAL PUBLICATION OF THE BUILDING INDUSTRY ASSOCIATION OF GREATER LOUISVILLE, INC.

VOLUME 27, NO.02 FEBRUARY 2014

Kick Off the 2014 Selling Season Home, Garden & Remodeling Show, presented

by Window World is

Feb. 28th - March 2nd

BIALouisville.com

See member news and search for members at the BIALouisville.com

the beautiful door

get more door value

with Masonite Doors

Genuine Masonite doors are engineered to be more durable, resist warping, shrinking and cracking better than solid wood doors. Make your home more beautiful with long-lasting performance doors.

Distributed by:

Louisville, KY 227 East Lee Street 502.637.1401 LouisviLLe, KY

K-i Home PLanning Center Louisville, 1601 s.

FLoYdKYst. K-I502-637-1401 Home Planning Center www.ki-lumber.com

1601 S. Floyd St. 502.245.6500

Louisville, KY LouisviLLe, KY 4025 Collins Lane 4025 CoLLins Lane 502.637.1401

502-637-1401 Clarksville, IN

CLarKsviLLe, in 5301 HWY 31 North 5301 HWY 31 nortH 812.283.7000 812-283-7000

2 louisville builder • bialouisville.com

KLB-12501

Masonite® and “Masonite. The Beautiful Door.®” are trademarks of Masonite International Corporation. Please check with your Masonite dealer or distributor for current warranty terms and conditions. Our continuing program of product improvement makes specification, design and product detail subject to change without notice. 1/12 Printed in the USA ©2012 by Masonite International Corporation www.masonite.com

vol. 27, no.02 february 2014

contents

THE OFFICIAL PUBLICATION OF THE BUILDING INDSTURY ASSOCIATION OF GREATER LOUISVILLE

association news 10 Home, Garden & Remodeling Show presented by Window World Kicks Off 2014 Selling Season 15 YouthBuild Students Gain Valuable Experience Through BICF Playhouse Project 16 Remodelers Council Under Renovation 18 Table Top Night February 20th 24 Photo Recap: BIA Installation Luncheon departments

feature

Govermental Affairs Update Governmental advocacy and awareness are among the most essential roles that BIA, HBAK and NAHB play. Last year, the associations were hard at work promoting (and protecting) the value of home building and construction. There are many issues on the table that members should be aware of that could affect small businesses and the industry as a whole.

page 6

Perspective Letter.................................5 Spike List.........................................26 Member News..................................27 New Members..................................28 Milestone Members.........................28 Honor Roll.......................................29 Members Pending............................29 Corporate Sponsors..........................29

2014 Even As Major Regulatory Changes feature 2014 is Ushered In with a Positive TableImpact Top Night is February 20th.Building the Community, 2014 Forecast Not much can beat technology as one of the hotpage 22 when it comesForecast to efficiency is Ushered In with test a subjects Positive page 20 events

Table Top Night

As 2013 passed into history, financial institutions were closely monitoring regulatory changes that went into effect in January.

Several of Louisville’s leading financial experts address those changes, discuss finance options and offer predictions for 2014.

By Nancy Miller

Calendar of Events...........................30 GOVERNMENTAL AFFAIRS UPDATE | REMODELERS COUNCIL UNDER RENOVATION | TABLE TOP NIGHT IS FEBRUARY 20TH

THE OFFICIAL PUBLICATION OF THE BUILDING INDUSTRY ASSOCIATION OF GREATER LOUISVILLE, INC.

VOLUME 27, NO.02 FEBRUARY 2014

Kick Off the 2014 Selling Season Home, Garden & Remodeling Show, presented

by Window World is

Feb. 28th - March 2nd

BIALouisville.com

See member news and search for members at the BIALouisville.com

FACEBOOK

Cover: The Home, Garden & Remodeling Show presented by Window World is February 28th - March 2nd and the Kentucky Fair & Exposition Center.

february 2014 3

4 louisville builder • bialouisville.com

perspectiveletter Building Industry Association of Greater Louisville

1000 North Hurstbourne Parkway Louisville, KY 40223-4012 (502) 429-6000 FAX (502) 429-6036 Email: newhomes@bialouisville.com Web Site: www.bialouisville.com 2014 OFFICERS Perry Lyons President

Local Sales Tax Option

by Chuck kavanaugh

Pat Durham Vice President Don Karem Treasurer Jeremy Esposito Secretary Tom Raver Associate Vice President Charles J. Kavanaugh Executive Vice President BUILDER DIRECTORS Brandon Bailey Jack Band Dave Ernst Michael Isaac David Lurding George Miller Jason Orthober Chris Osborne Rocco Pigneri Dick Pike Mark Simpson Leo Thieneman, Jr. Ben Tyler Scott Welch

ASSOCIATE DIRECTORS Davis Boland James Dahlem Joe Dumstorf Mira Farmer Greg Gentry David Hobbs Larry Hobson Steph Horne Paul Miele Nick Pregliasco Derek Smothers Ron Wibbels Bryan Wiegandt

HONORARY Builder DIRECTOR

Clifford Thieneman, Sr.

HONORARY associate DIRECTORs Frank Arnold, Sr. Richard Bean PUBLISHER Charles J. Kavanaugh EDITOR Tara Brinkmoeller Advertising Melissa Mattingly Kimberly Greenwell 502.429.6000 GRAPHIC DESIGN Scott Dudgeon Writers Stacy Smith Rogers BIA Issues Nancy Miller Product Features BIA Staff PRINTING United Graphics

In the fall of 2012 I visited Oklahoma City on the annual GLIDE trip of business and political leaders. On this trip we saw how Oklahoma City had transformed itself through the use of a local sales tax option. In the last 15-18 years Oklahoma City has raised and invested back into its city more than $1.5 Billion from a penny addition to its sales tax. The City invested in transformative, big projects with none of the money being used for local government operations.

This was an eye opening experience for me to see how a progressive community like Oklahoma City transformed its image around the world, as well as with their own residents! In the case of Louisville, if we were to have this option we could raise approximately $100 Million per year or $500 Million over five years! The key in Oklahoma City was that residents decided the projects which were to be funded and there was a city-wide referendum to approve the projects. Also in Oklahoma City each referendum had a sunset date for the collection of the sales tax used to support only those projects voted on by residents. It is also important to note that in Oklahoma City projects were not started until all necessary funds were collected, alleviating the need to issue any bonds for the projects.

“This was an eye opening experience for me to see how a progressive community like Oklahoma City transformed its image around the world�

Think in terms of what $100 Million per year could do for us! That would be like developing a Waterfront Park downtown or a 21st Century Park System every year, for say five years!

Mayor Fischer has been leading a statewide effort now for more than 18-months to seek state legislative approval for a constitutional change. At the current time Louisville and other cities in Kentucky does not have the right to even consider the local sales tax option! The Building Industry Association of Greater Louisville Board of Directors believes we should.

Last year the Board of Directors passed a Resolution in support of the State initiative to allow cities to make their own decisions on their local sales option.

You may ask why a business organization is in support of an additional one cent sales tax. We view this additional one cent increase in the sales tax as an opportunity to invest in transformative projects, which in turn could propel Louisville to achieve even greater increases in jobs, economic growth, and development opportunity than without the increase.

Think in terms of what $100 Million per year could do for us!

There is a considerable amount of discussion occurring with state legislators now about the Local Option Sales Tax. Our message, and that carried by other groups, is that Legislators should be willing to give the local residents the right to decide if they wish to levy this tax on themselves for specific projects. Let the people make decisions that will affect them and their communities locally! Some people are talking about the projects that could be funded with potential tax dollars at this time. I ask you to not get wrapped up in the projects just yet. Please contact your state legislators and urge them to support the Local Option Sales Tax legislation and give the citizens of Louisville local control.

I encourage you to learn more about the benefits of local sales tax options. Visit the Governmental Affairs section of BIALouisville.com to learn more about the Mayors work to promote this statewide initiative. You can also feel free to contact me at 4296000 or Chuck@bialouisville.com to discuss this idea and others.

Sincerely,

Charles J. Kavanaugh Executive Vice President Building Industry Association of Louisville february 2014 5

6 louisville builder • bialouisville.com

Governmental Affairs Update Stay Informed on Issues Affecting the Industry

By Stacy Smith Rogers, Grace Communications, LLC

Governmental advocacy and awareness are among the most essential roles that BIA, HBAK and NAHB play. This year, the associations were hard at work promoting (and protecting) the value of home building and commercial construction. There are many issues on the table that members should be aware of that could affect small businesses and the industry as a whole.

On the Local Level ...

There are countless initiatives, studies, committees, and boards in Louisville and surrounding counties that affect the industry and your ability to do business in the building industry. The BIA is fortunate to have strong representation at the table for these initiatives; however, there is always room for more members to participate. This is not a comprehensive list or explanation of the initiatives with which the Association is involved, but these are some of the topics of interest at this time.

Land Development Code Review, Round 2 The Land Development Code in Louisville has been undergoing an update for the past 18 months. The first round of updates focused primarily on grammatical errors and “low hanging fruits,” and wrapped up in the early part of 2012. Round 2 changes have dealt with more meaningful changes and topics with a more significant effect on the industry. There is a “Main Committee” which approves all of the suggested changes which have come from the sub-committees, sub-committee participation was open to any concerned citizen. There were more than 30 BIA members who participated in sub-committee work during rounds 1 and 2. The BIA is also fortunate to have three involved members, Deborah Bilitski, Wyatt, Tarrant & Combs; Pat Dominik, Sabak, Wilson & Lingo, and Kathy Linares, Mindel, Scott & Associates, as well as BIA Executive Vice President Chuck Kavanaugh serving on the Main Committee. The round 2 work is expected to wrap up

by February 2014 and will move on to the Planning Commission and then Metro Council for approval.

Vision Louisville Phase 2 of Vision Louisville was recently completed in late 2013. This phase involved the exploration of ideas to support seven themes which consultants and city staff felt were the most important to address and

plan for the next 25 years of our City’s future. There were more than 80,000 ideas generated about the seven topics which include connectivity, creativity, economy, energy, health, identity, and living. Many BIA members served on committees and several were in leadership positions including Cliff Ashburner, Wyatt, Tarrant & Combs who was the Chairman of the Energy Team and Tara Brinkmoeller, BIA, who served as an Energy Committee member. Chuck Kavanaugh, BIA EVP served as the Vice-Chair of the Living Team, along with David Hardy, CBRE | Louisville. To read the full Vision Louisville report, go to the Advocacy section of BIALouisville.com.

MoveLouisville One of the immediate results of the Vision Louisville process is Move Louisville, which is a multi-modal transportation study. This is also a public participation process in which a consultant has been hired to identify the future transportation modes and opportunities for transitoriented development in Louisville. Several BIA members and staff met with City officials and the lead consultant to give the industry perspective on this topic.

Green Infrastructure/MSD Last August the new Post Construction Stormwater regulations from EPA went into effect which requires the first six-tenths inch of rainfall to be captured and treated on site. BIA members Rocky Pusateri, Elite Homes; Bob Marrett, CMB Development; Pat Dominik, Sabak, Wilson, & Lingo; Scott Spears, Land Design & Development; Kevin Rich, Rich Design Studios; David Mindel, Mindel, Scott & Associates; and others were involved in numerous meetings related to this new regulation and the MSD Design Manual updates.

Presently many of these same individuals are continuing to meet as part of a public group that is working on a fee in lieu option and other alternatives for the required stormwater capture to be used when traditional green infrastructure options are not practical.

As we stated before, these are explanations of only a few of the initiatives with which the BIA staff and its members are involved. If you have questions about any of these local initiatives, or want to make us aware of other topics in which you believe we need to be involved, please contact Tara Brinkmoeller or Chuck Kavanaugh. february 2014 7

Governmental Affairs Update On the State Level ...

More than 1,300 pieces of legislation will be considered during the 2014 session of the Kentucky General Assembly which began January 7. We are fortunate to have two full time lobbyist in Frankfort in Lauren Rawlings and Bob Weiss. According to HBAK Executive Vice President Bob Weiss, some of the areas the state association is working on include: Tax Reform In response to recommendations on tax reform from the Blue Ribbon Panel to Governor Steve Beshear’s office, our state associatoin HBAK is ready to work hard to protect the Kentucky Home Mortgage Deduction if it’s threatened in the 2014 Kentucky Legislative Session. Among other housing-related recommendations from the panel that are at risk include lowering the exemption threshold on the Gross Receipts Tax from $3 million to $1 million and removing the recall provisions on any property tax increase of more than four percent annually.

According to Weiss, the state passed the gross receipts tax exemption for small businesses in a special legislative session that lasted only five days. “We do not see any legislative push to lower this exemption.

Also, we feel that the recall provision provides transparency and accountability on the part of government to have to go to the people being taxed if that tax is too high. Therefore, HBAK will work to preserve the Property Tax Recall Provision,” he said.

Roofer Licensing Another issue, according to Weiss, is the push on the part of the roofing industry in Kentucky to license commercial and residential roofers. “While we applaud the industry for attempting to weed out’ the bad apples, we will want to make sure that the legislation does not create another bureaucratic board in the process,” he explained.

Employee Misclassification HBAK will also work on a bill to clarify the difference between employees and independent contractors. “Although it has been stated that many employers try to get by without paying taxes by casting their employees as independent contractors, many independent contractors try to attach themselves to a contractor when they get hurt to attempt to secure workers compensation coverage,” he said, noting that the bill HBAK is currently working on takes care of both of those issues.

On the National Level ...

Michael Strauss, NAHB directory of Advocacy Communications, encourages members to stay informed on important issues. Among some of the important governmental issues that NAHB emphasized in 2013 and will continue to promote this year include: Tax Reform In 2013, NAHB members urged Congress to maintain its support for vital housing tax incentives, including the mortgage interest deduction, in an effort to meet the nation’s growing need for affordable rental housing and homeownership opportunities. NAHB continues to support the mortgage interest deduction, which, if eliminated, would make it harder for families to get mortgages and potentially force many of them to delay homeownership for years. The Low Income Housing Tax Credit was also emphasized as an essential avenue to ensure that lower-income families have access to safe, decent and affordable housing. To learn more about protecting the mortgage interest deduction, visit protecthomeownership.com.

8 louisville builder • bialouisville.com

Housing Finance Reform Last year, NAHB continued to advocate that any restructuring in the housing finance system provides for a reliable and adequate flow of credit for home buyers and that the federal government should play an appropriate role in backing up the system. More specifically, NAHB supports the government’s limited role in backing a mortgage market predominantly supported by the private sector to ensure liquidity and stability for homeownership and rental housing. NAHB will continue to monitor proposals for housing finance reform and will work with the House of Representatives and Senate lawmakers as they work toward a bipartisan consensus that will result in a robust housing finance system. To learn more about housing finance reform, visit nahb.org/ housingfinancereform.

Immigration Reform NAHB has called on Congress to enact comprehensive immigration reform. The major points that the association emphasized were: a need to protect the nation’s borders while also focusing on the direct employer-employee relationship so that U.S. employers remain accountable only for the identity and work authorization status of their direct employees; and creating an efficient, temporary guest worker program that allows employers to recruit legal immigrant workers when there is a shortage of domestic workers.

NAHB continues to work with like-minded industry groups and meet with key lawmakers to push for reform that: • Protects the nation’s borders

• Keeps the focus of E-Verify on the direct employer-employee relationship • Maintains the current “knowing” liability standard so that employers may easily understand their role and obligations • Creates a market-based visa program that would allow more immigrants to legally enter the construction workforce each year.

Appraisals Appraisals continues to be an important issue for members. NAHB is pushing for major reforms in appraisal practices and oversight to ensure that appraisals accurately reflect true market values and don’t contribute to price volatility or harm aspiring home owners and move-up buyers. In 2013, NAHB published “A Comprehensive Blueprint for Residential Appraisal Reform,” which offered specific recommendations for changes to all aspects of the appraisal system, including considering all three valuation approaches – cost, income and sales comparison – in estimating values, and asking appraisers to report a range rather than a single point of value. Among other recommendations, NAHB also urged the establishment of uniform credentialing standards that are specific to each area of residential appraisal practice and that create clear education and career paths for residential appraisers. In addition, the association recommended creating a single, consistent set of rules and guidelines for residential appraisals workable procedures for expedited appeals of inaccurate or faulty residential appraisals.

To stay informed on current national issues of interest, visit nahb.org.

Heath Insurance Options Have You Confused?

We Take Complication Out of the Equation Lower health insurance rates are available to qualified BIA members.

At Logan Lavelle Hunt we are focused on the building industry, we provide straight forward guidance and advice for our clients’ insurance and risk management needs.

For uncomplicated solutions, contact us today.

Helping Families With Their Dream Homes Since 1997.

100% Financing Available Loans Amounts up to $2 million Energy Efficient Mortgages Rehab Loans A+ Credit Rating with the BBB Rate Locks up to 270 days Closing Promise – visit www.SaveWithEnvoy.com

Contact Todd Johnson today to learn more.

502.627.1912 or toddjohnson@envoymortgage.com

Representing

As well as many other top rated insurance companies.

(502) 499-6880

www.LLHins.com

All applications are subject to credit approval. Program terms and conditions are subject to change without notice. Some products may not be available in all states. Other restrictions and limitations may apply. This is not a commitment to lend. 2000 Warrington Way, Suite 220, Lousville, KY 40222. Envoy Mortgage Ltd. - NMLS #6666, NMLS #101940.

Change is Here. february 2014 9

Mark Your Calendars Feb. 28th - March 2nd Kentucky Expo Center Sponsored by:

Produced by:

Home, Garden & Remodeling Show presented by Window World

Kicks Off 2014 Selling Season

By Stacy Smith Rogers, Grace Communications, LLC

After a long, cold winter, there’s an eagerness that surrounds Greater Louisville’s springtime rituals, whether that’s the blooming of the first daffodils or the annual tradition of BIA’s Home, Garden & Remodeling Show. Hundreds of area businesses regard the Show as the jump start to their selling season, and for good reason. The event attracts thousands of attendees who are interested in home-related projects, so it’s an ideal venue to promote products and services that give a captive audience ideas and solutions for their home needs.

Businesses Benefit Simply by Promoting the Show Many Home Show participants plan strategic marketing efforts around the Show, especially through social media. Promoting the fact that they are participating in the Show through posts on Facebook, Twitter, blogs and other outlets broadens a company’s communications reach. Because the event carries such a respected reputation, it only makes sense for businesses to promote the fact they are a part of 10 louisville builder • bialouisville.com

2014 Home, Garden & Remodeling Show

Get the Details (and spread the word) ...

Who?

The 2014 Home, Garden & Remodeling Show is presented by Window World and sponsored by LG&E. Hundreds of vendors are expected to participate and thousands of attendees are anticipated to attend the three-day event.

What?

The Home, Garden & Remodeling Show has presented the latest products, trends, seminars and family-fun entertainment for more than 60 years. Visit louisvillehomeshow.com for more info.

When?

February 28 - March 2, 2014 Friday & Saturday, 10 a.m. - 9 p.m.

Sunday 10 a.m. - 5 p.m.

Where? it. For businesses who aren’t participating in the Show, there’s still a good opportunity to promote the fact they’ll be attending and sharing information they learn with their clients.

Shannon Bender, Bender Construction Company, said the Home Show gives Bender Construction a chance to highlight their strengths.

“The Home & Garden Show offers a great jump start on the spring and summer seasons by exposing who we are and what we do to a large audience. It gives us the opportunity to meet potential clients face-toface and spend some time discussing their projects,” Bender noted.

Joe French, Louisville Handyman, uses the Home Show as a great excuse to connect with current and potential clients. “We let our customers know that we will be attending shows through our newsletter and by word-of-mouth. Many times, we find that this event is a great way to reconnect with existing customers as well as meet new customers,” French explained.

What Marketing Strategies Work to Get Clients to Visit the Booths?

Using social media to promote special drawings, giveaways or activities featured at your booth will help generate excitement. “See you at the Home Show” mailings, emails and social media posts can enhance excitement about the event and give prospective clients a reason to stop by your booth.

At the Show, vendors offer a mix of booth designs geared to reflect the types of businesses they represent. “We are a small, family-owned business and feel that is a selling point,” explained Bender. “We draw visitors to our booth by keeping it simple and displaying photos of our work in various ways. We feel that it is visually interesting without being overwhelming to the crowd.”

French offered some strategies that have worked for Louisville Handyman, “We have done drawings for customers who visit us, and we provide tickets for some of our regular customers.” He also noted that his booth features plenty of photos that celebrate completed projects.

Kentucky Exposition Center - South Wing B & C

How Much?

Regular Admission: $10 per person Senior Admission: $9 per Senior - 62 and older Children 15 & under are free with an adult (Parking at the Kentucky Exposition Center is $8.)

BIA Members can purchase non-refundable tickets in advance for $4. Watch out for a letter that explains the details (Feb. 14 is the deadline to receive tickets by mail.)

LouisvilleHomeShow.com

For more information on the benefits of participating in the show, visit www.louisvillehomeshow.com. The website offers valuable information for participants and consumers alike. It also offers an additional marketing opportunity for participating vendors, with the ability to link to the site and emphasize their products and brands.

Viewers often research the vendors ahead of time online and come back to the website to reference important information about companies they encountered at the Show.

Like us on Facebook: Facebook.com/LouisvilleHomeShow

Presented by:

Disc Connected K9’s Stage Sponsored by:

Sponsored by:

Outdoor Living Pavilion Sponsored by:

february 2014 11

2014 Home, Garden & Remodeling Show

Home Show Follow-Up -- How Can You Make the Most of Leads?

As the days grow longer, Home Show participants will need the extra daylight hours to follow up on leads generated from the event. It’s great to make that good first impression at the Show, but it’s important to follow up in a thoughtful and timely way. Bender explained what works for their company, “We gather contact information from potential clients after we have spent some time discussing their project and have given them an idea of what service we can provide. We then send out mailers to the entire list, followed by a phone call to set up the first appointment.”

French encourages attendees to sign up to be contacted after the Show. “We set up appointments while at the show if someone is ready to do so, but we also have a sign-up sheet for anyone who wants us to contact them after the show to book an estimate or appointment,” he said. Follow up is key to making the most of the event. Even a simple email shortly after the Show, acknowledging you’ve met can make a difference. More thorough follow-up can take place after that.

“We set up appointments while at the show if someone is ready to do so, but we also have a sign-up sheet for anyone who wants us to contact them.”

- Joe French

Treat a Client to the Show!

The Home, Garden & Remodeling Show is an ideal place to entertain clients and build relationships. Consider purchasing tickets as a treat for your clients as a way to better engage them in developing ideas on improving their current homes or looking for products and services for the home they are building now or in the future. If you’re actively 12 louisville builder • bialouisville.com

participating in building, selling, financing or servicing a newly-constructed home, the Show can offer one-stop shopping for homeowners who are selecting products or generating ideas for future construction.

Attending the Show with your client can be a great way to better understand their vision for their home and could provide a valuable opportunity to get to cultivate the relationship.

Discounted tickets are offered to BIA members for $4 prior to the Show. To receive your tickets by mail, order them online prior to Feb. 14. Members can also stop by the BIA office to pick them up. For more information, call 429-6000.

Enjoy a Family-Friendly Outing and Take Home Some Ideas for Your Own Projects Being a member of BIA isn’t just all about business. It’s fun too, and the Home, Garden & Remodeling Show is a great way to share your passion for the industry with family and friends while cultivating business relationships and simply having a good time. Fun events such as the Disc-Connected K-9’s- World Famous Frisbee Dogs or the LOUISVILLE! Destination Showcase and cooking events at The Trend Seminar Stage help make the event entertaining for all ages and interests.

Everyone has a wish list of ideas for future home projects. The Home Show is also a valuable opportunity to learn more about the latest trends in home products and services and contemplate how those ideas can be incorporated into your own home for now or in the future.

So, bring the kids and the Honey Do List and spend an afternoon generating creative home improvement ideas.

Show Highlights for 2014 Include: • K-9 Disc Connected World Famous Frisbee Dogs (sponsored by Logan Lavelle Hunt Insurance) – a nationally known dog show featuring a troupe of 12 canines (nine of which are World Disc Competition Championship finalists) that perform gravity-defying, hi-energy acrobatic frisbee stunts. Even more impressive is the fact that each dog that will perform in Louisville has been rescued. Most of the breeds on the team are high-energy breeds such as Border Collies, Shepherds or Shepherd mixes, as well as Jack Russell Terriers.

• Trend Seminar Stage - Seminars will include various topic ranging from cooking with local chefs, container gardening, energy efficient landscape design, gardening with succulents and fairy gardening.

• Playhouse Projects (sponsored by River City Bank) BIA’s Building Industry Charitable Foundation’s (BICF), YouthBuild Louisville and Kosair Charities have teamed up to help brighten the lives of deserving children in the community. Two playhouses will be on display built by YouthBuild Louisville students under the guidance of BIA builder members Simpson Builders and Esposito Construction.

The BICF Playhouse Project is unique in that not only does it give something special to the children who receive the playhouse, but it also provides the young adults who help build it a wonderful experience.

• LOUISVILLE! Destination Showcase – Attendees can discover Louisville all over again with the LOUISVILLE! Destination Showcase. Voted “#1 Destination in the Country” by Lonely Planet, Louisville offers surprising adventures for tourists and residents alike.

Unique items of interest that make Louisville special will be on display and plenty of information will be offered on events and attractions.

2014 Home, Garden & Remodeling Show • Belgard Hardscapes Outdoor Living Pavilion and Belgard Challenge – In addition to entertainment and information, the Show also offers a healthy dose of friendly competition which can be found at the Belgard Hardscapes Outdoor Living Pavilion where three landscapers will be vying for the Belgard Challenge title through which the winner will be determined by votes cast electronically

by Home, Garden & Remodeling Show attendees as they exit the area. According to BIA Vice President of Events and Operations Gail Schell, the pavilion will showcase outdoor living ideas designed to inspire, and this year it takes on the theme, “an evening out in our backyard.” The area will resemble a nighttime experience with dramatic landscape lighting and and impressive display of outdoor living accessories.

Greenside Outdoor Services, Picture Perfect Landscaping and Bluegrass Pavers are the competing landscapers in the Belgard Challenge this year. First-time Show participant Dustin McGehee, Greenside Outdoor Services, noted that attendees can expect to see artistic sculptures and color-changing lights at his booth, where he intends to incorporate a barn wood pavilion with galvanized steel and a potential outdoor shower to demonstrate a rustic feel to his space. Although the goal for each of the participants is to “wow” guests, it’s also to highlight attainable landscape design. Craig Brenemen, Bluegrass Pavers, was voted number one in last year’s show and says he’s coming back to “defend their title.” His carpenters are hard at work building pergolas and an outdoor kitchen. He plans to incorporate fireplaces and define spaces where people can socialize and enjoy the beauty of their natural surroundings.

Want to

build your business?

The On-Site Home Energy Analysis is a great opportunity for Put the On-Site Home Energy Analysis in your toolbox. contractors and remodelers.

opportunities, and valuable incentives. When you register, you’ll get the technical

The Analysis good fortohomeowners it shows are using training is you need build ENERGYbecause STAR® and Home them Energywhere Ratingthey System (HERS)the most energy and suggests solutions for reducing their energy use.

It’s good for contractors and Label homes. You can also connect with authorized HERS raters, receive rebates that ® remodelers because many of those solutions (including HVAC, ENERGY STAR appliances, help offset inspection- service costs, and join our comprehensive Energy-Saving additional insulation, etc.) require professional installation. It’s truly a win-win for both Home Builder list. Get started at lge-ku.com/build or call 1-800-356-5467. parties. This is a terrific way to build not only your business, but also your relationship with current and prospective customers. Learn more at lge-ku.com/analysis. february 2014 13

Covering Your World With Style PLEASE jOIN US fOR OUR

30th Anniversary Celebration February 28th, 2014

PARTY STARTS AT 5:30Pm…OR WhEN YOU GET ThERE! SERVING hEAVY hORS d’ OEURVES, WINE ANd bEER

rSVP to 245-0221

2101 STANLEY GAULT PARKWAY • LOUISVILLE, KY 40223 502.245.0221 • WWW.cARPETSPEcIALISTSONLINE.cOm

14 louisville builder • bialouisville.com

YouthBuild Students Gain Valuable Experience Through BICF Playhouse Project On-the-job training positions them for real-life work experience

By Stacy Smith Rogers, Grace Communications, LLC

The Building Industry Charitable Foundation (BICF) playhouse project on display at the upcoming Home, Garden & Remodeling Show highlights BIA’s partnership with Kosair Charities and YouthBuild Louisville and helps to contribute to the local community by making children’s lives a little happier. The impact of the playhouse project doesn’t end there, however. The partnership with YouthBuild allows builders to mentor students who are on the cusp of seeking employment in the construction field. Equally inspiring as the playhouses themselves, are the potential outcomes that can result after the excitement over the playhouses has died down. This collaboration isn’t just a feel-good experience, it can have lasting, tangible results in the lives of the YouthBuild students who work on the project.

What Skills Do YouthBuild Students Offer Employers?

This spring, YouthBuild students will be seeking jobs, hoping to take the experience they gained by working with BIA builders and apply it to real-life opportunities. As construction workloads increase in the spring, YouthBuild graduates are eager to be hired and demonstrate the value of their education and experience. According to Judy Kasey, who helps with placement of students, and Drew Hickok, the field training supervisor with YouthBuild, the students will be prepared to offer local builders a strong work ethic, skills in framing, blueprint reading, safety, proper tool usage and overall project completion. The students have experience in framing, roofing and HVAC systems. Approximately 50 current and former YouthBuild students are seeking construction-related employment.

Hickok said that in addition to their training at YouthBuild, the playhouse project offers the students a great chance to experience the hard skills that are required in the construction industry and enables them to learn the in’s and out’s of home building. Although the

homes are small, building a playhouse gives them the thrill of creating something from the ground up and teaches them skills related to flooring and roofing and everything in between. He also emphasized that the BIA professionals involved benefit as well in that they are able to test drive the abilities of future employees. (They can experience what kind of employee a student would be before putting him on the payroll.) Another advantage for builders is that YouthBuild Louisville offers up to two-week paid internships with local employers.

As the playhouse projects have occurred each year, Kasey said the students have taken on more responsibilities, playing the role of project manager in addition to hands-on construction and handling tasks such as scheduling and following up with subcontractors. So, in addition to swinging a hammer, they’ve experienced what it’s like to manage deadlines and handle the pressure of staying on schedule. Students also are able to take serious pride in their work knowing they have completed a task on time and within budget.

Want to Hire a YouthBuild Student?

For more information about YouthBuild Louisville and the current availability of students, contact Judy Kasey at 290-6121 or judykasey@ youthbuildlouisville.org.

Playhouses Sponsored by:

february 2014 15

Remodelers Council Under Renovation New Structure and Focus Anticipated to Generate More Opportunities for Participation

By Stacy Smith Rogers, Grace Communications, LLC

Ask any BIA remodeler member what makes for a successful renovation and they’ll more than likely respond, “if a project has a sturdy foundation and good bones, then you can build upon that framework to create almost anything you want.” With a solid infrastructure and the potential to energize its members, the Remodelers Council is undergoing a renovation of its own in 2014, with the objective to provide more opportunities to engage its members and increase participation.

The renovation starts off with a good foundation of nearly 40 years. Formed in 1976, the association’s Remodelers Council has traditionally played an important role in establishing the image of the local remodeling industry and offering its participants opportunities to become more informed and educated on critical issues they need to know to operate productive businesses. The annual Tour of Remodeled Homes has enabled members to showcase their talents to the public for 28 years and has raised awareness about the incredible talents of area professionals. Through continuing education programs and awareness on important code issues, remodelers within BIA have turned to the Remodelers Council as a resource. Leadership within the council believes it can be more than just a resource, however, and 16 louisville builder • bialouisville.com

they are making plans to cultivate more interest and energy to transform it into also a vibrant networking community.

According to BIA Registered Builder Committee Director Margie Brangers, the Remodelers Council includes 80-plus members. “Our goal is to work on the core of the Remodelers Council and get more people involved. Once we do that, we’ll work from there and offer opportunities that will enhance it,” she explained. Brangers said that council meetings are currently being planned by the committee.

“There are a myriad of topics that we could address.

It’s important to know what’s going on locally in our industry and what the association has to offer each of us. We want everyone to take advantage of their membership.”

– Ben Tyler

Ben Tyler, Ben Tyler & Remodeling, is taking the reins from Michael Isaac, Isaac Construction, as chairman of the council this year.

Remodelers Council He said that plans for the “renovation” of the council include offering educational programs that focus on the business aspect of running a small company. “We hope to bring in outside industry professionals who can offer their perspective on what you need to charge to have a viable business in this industry, and other aspects of remodeling,” Tyler explained.

In addition, Tyler referenced round table meetings and networking opportunities. “Our goal is to get more of our existing members to participate by offering them something to participate in,” he said, noting that business is growing for local remodelers and people seem to be getting busier, so opportunities are being planned that are mindful of members’ schedules, but are valuable enough to warrant making time for them. “There are a myriad of topics that we could address.

It’s important to know what’s going on locally in our industry and what the association has to offer each of us. We want everyone to take advantage of their membership,” he added.

“I’ve always enjoyed this association and being involved. From a business standpoint, it certainly can’t hurt, and with EPA and OSHA code changes, it’s important,” - Mike Isaac

Isaac applauded the council’s new focus for 2014. “I think there are a lot of people who may have wanted to get involved but haven’t taken the steps to do that. I’m glad to see Ben take over. I think he’ll bring some new ideas. I’ve always enjoyed this association and being

involved. From a business standpoint, it certainly can’t hurt, and with EPA and OSHA code changes, it’s important,” he said. “There are some younger members as well who I believe will breathe new energy into the council, such as Brandon Bailey. And, I think Chuck Kavanaugh is going to be consulting as well. It doesn’t get any better than that by having him at your committee meetings,” Isacc added.

“It would be nice to unite as a group to tackle issues like improving the inspection process, collaborating on best practices or occasionally sharing a subcontractor,” - Brandon Bailey

Brandon Bailey, Bailey Remodeling & Construction, has been active in the Remodelers Council for the last five years, but he sees room for growth and increased participation. “It would be nice to unite as a group to tackle issues like improving the inspection process, collaborating on best practices or occasionally sharing a subcontractor,” he said.

For more information about the Remodelers Council, contact Margie Brangers at margie@bialouisville.com.

Meet

Your

Greater

Louisvill

e

“ We’re

photo courtesy of Louisville Metro Government

NOT

just like every other city.

- Greg Fischer, Mayor of Louisville

50

“

Museums - & more!

- Shopping - Parks - Sports - Arts - Dining n - Attractions Housing - Educatio

14, Volume 25

Annual 2013/20 m

elocationGuide.co www.LouisvilleR

Summer

Craig

ur

Meet Yor

Bruce

Greate

lle

Louisvi

Greg

Jennifer

Check out the latest edition of the Greater Louisville Relocation Guide & meet your neighbors! Find out what makes those who live & work here love this city. Now available for FREE at your local Kroger’s & CVS Pharmacies.

Dawne new get to know their e local needs to n Indiana living. ers and a long-tim Everything newcom Louisville and Souther discover Greater community and

LouisvilleRelocationGuide.com

www.dauenhauer.com february 2014 17

Photo courtesy of Barry Westerman, Louisville Real Estate Photography

Table Top Night th isNewFebruary 20 Venue, Expanded Customer-base Creates More Opportunity to Connect with Customers

Table Top Night is one of the best opportunities to reach customers and potential customers that members have through the Association.

This year’s event is February 20th from 4:00 until 7:30 PM. Table Top Night will be hosted at the Ramada Plaza Louisville, located near the intersection of I-64 and Hurstbourne Pkwy. This is a new venue for the event, which will provide us with additional space to display a greater variety of products and services used within the building industry.

This event is a place where vendors, subcontractors, and product suppliers must been seen by builders, remodelers, and general contractors showcasing the latest product and services from their industry. And since every person in the room could also be a consumer of these goods on a personal level, you end up with literally hundreds of potential customers in the room.

In addition to the product displays, Table Top Night provides outstanding opportunity to network with fellow BIA members over great food and drinks. This is one of the best attended events, particularly amongst our Registered Builder and Registered Remodeler members.

There are only a few display tables remaining, and are sold on a first come, first served basis at a cost of $235 per 8’ table. If you are interested in a table call Nicole Bouchard or Kisha Gaskins at 4296000.

Registered Builders and Registered Remodelers and one guest receive complimentary entrance to Table Top Night; however, reservations are required prior to the event. Those Registered Builders 18 louisville builder • bialouisville.com

and Registered Remodelers that make a reservation with the BIA office prior to the event are eligible for prizes throughout the evening – and you must be present to win. Non-exhibiting Associate members may attend at a cost of $25 and reservations are required.

Reservations can be made simply by calling the BIA Office or e-mail Nicole@bialouisville.com or kisha@bialouisville.com.

Table Top Night is presented by Bonnycastle Appliance & TV and is sponsored by Boland Maloney Lumber and Century Mortgage Company.

Presented by:

Sponsored by:

BETTER THAN EVER TO SERVE THE PROFESSIONAL.

PPG ARCHITECTURAL COATINGS • An unsurpassed product line • More locations coast to coast • Experienced employees providing technical know-how • Exceptional color tools and expertise • Serving customers in all segments including residential, commercial, new construction, and industrial All from a leading global coatings company

LOOK FOR PRODUCTS AND SERVICES

Doors

Because Every Job MattersTM ppgac.com/trade

PPG Architectural Coatings is an industry leader serving professionals and homeowners through a network of company stores and independent dealers across North America.

The PPG logo is a registered trademark of PPG Industries Ohio, Inc.® and TM indicate trademarks of the PPG group of companies unless otherwise indicated.

BONNYCASTLE APPLIANCE & TV IS YOUR BEST CHOICE FOR GE APPLIANCES AND FLAT SCREEN TVs.

LOUISVILLE’S #1 APPLIANCE DEALER

Best Selection, Professional Salespeople, Custom Installation, Best Price!

Find home products and services by trusted local professionals at the new:

BIALouisville.com HBAL.COM

2460 Bardstown Road, Louisville, KY 40205 • (502) 454-4891 www.bonnycastleappliance.com february 2014 19

2014 Even As Major Regulatory Changes Impact the Building Community, 2014 is Ushered In with a Positive Forecast As 2013 passed into history, financial institutions were closely monitoring regulatory changes that went into effect in January.

Several of Louisville’s leading financial experts address those changes, discuss finance options and offer predictions for 2014.

By Nancy Miller

Greg Cobb, Vice President Mortgage Lending BB&T

Andy Parker, Vice President and Business Service Officer BB&T

Along with many changes in the lending industry, most banks and lending institutions are watching the adoptions of Regulations pursuant to the Dodd-Frank Act. These Regulations will have a significant impact on how we will lend in 2014.

When an individual seeking a residential construction loan comes to us, there are two primary things we do for them. We give them information regarding what to look for in a builder. Second, we show them what a standard draw schedule looks like. Then, of course, we will check references on the builder.

For consumers, we have a one time close. We would underwrite and close a loan as if the house is built. We would have three to six draws, then go into modification. I think the hardest thing for the consumers is that the bank controls the draws. Builders may not like that, but we’re actually protecting the consumer. If a builder is behind schedule, we don’t cut a check until that part of the construction is finished. As a result, we don’t have properties that are only 80 percent finished because they ran out of money.

We want to be very comfortable with a spec as far as the price point, making sure it fits within the anticipated demand of a subdivision.

And we want to be sure the builder has the capacity to service the debt should the house not sell.

We do a lot of contract lending. We want to lend to a BIA Registered Builder. Also, we will verify that there is a legitimate contract with an appropriate deposit and will confirm that the buyer has been prequalified by the mortgage company. We generally have an 80 percent value to our loans.

On the commercial lending side, we’re actively lending to any area in commercial lending except for speculative raw land. Warehouses and strip centers? Absolutely. The only special commercial financing options would come into play if someone owns a business and wants to build a new headquarters.

I’m very positive about 2014. In my world, I see that my clients are as busy as they have been since 2006 or 2007. I haven’t noticed any slowing down of momentum. I believe people are feeling more

20 louisville builder • bialouisville.com

Positve Forecast

Along with many changes in the lending industry, most banks and lending institutions are watching the adoptions of Regulations pursuant to the Dodd-Frank Act. These Regulations will have a significant impact on how we will lend in 2014.

- Greg Cobb

comfortable building a house or doing a commercial real estate project.

Although interest rates will probably rise, I think they’ll stay within an attractive range.

Brad DeVries, President and CEO Semonin Realtors I anticipate 2014 will be very similar to 2013 although there are people who are forecasting that the market will be even better, that prices will increase and we’ll sell more units. It’s also very exciting to see commercial activity picking up again.

Chatter among everyone is that we’ll see a potentially decent uptick in interest rates. We’ve been spending the last few years hovering around 4 percent. I believe we could see them above five percent, maybe even approaching six percent. It’s about an increase in demand, perhaps allowing the rates to be where they should be.

There are a number of people who think that it’s very hard to borrow money today. I would argue that. There’s still plenty of money to borrow for those who qualify. The qualifications we have today are, quite honestly, the same qualifications we should have had a number of years ago.

Money became a little too easy to borrow, and I think lenders, investors, builders and the real estate community got too aggressive.

More money was loaned than should have been borrowed. We’re seeing a positive change. The good news about the borrowers in 2014, unless there’s an extenuating circumstance or something that’s catastrophic that takes place, people who borrow should be able to pay it back. In 2005, 2006, 2007 and 2008 the odds of them being able to pay it back were low. In some cases, there just wasn’t enough due diligence.

There are no new programs out there that I would be willing to endorse and promote to home buyers of 2014. I strongly believe the more traditional programs that are in place are the ones we need to focus on.

Those do a good job of qualifying the buyers, whether they are FHA, conventional or VA. For the person to get really innovative, they need to sit down and get plenty of counsel before they go ahead.

During the past couple of years, we’ve tried to do a better job of setting up expectations. While there’s still plenty of money to borrow, buyers have to go through a more vigorous process to be qualified.

- Brad Devries

During the past couple of years, we’ve tried to do a better job of setting up expectations. While there’s still plenty of money to borrow, buyers have to go through a more vigorous process to be qualified.

There are more hoops to jump through. It’s all with good intentions to make sure the buyer is qualified and able to pay the loan back, and to insure the lender isn’t held liable for a default.

For buyers here locally or coming here from another market, I would stress that there is a new agency in existence, the Consumer Financial Protection Bureau. As I understand it, the organization was put

in place to insure there weren’t any institutions, as it relates to closings, that were doing anything illegal or doing anything that could harm the consumer. It’s important to do business with a lender or title company that’s known for their character and reputation. Our business is under a microscope today because of a downturn in the market and problems relating to financing. I would want to be sure it all checked out really clean and wouldn’t want to be part of a future mess.

Greg Gentry, Vice President First Citizens Bank The residential market was consistent throughout 2013. I haven’t really seen a decline or increase. People are still building and acquiring construction loans. The refinance market has kind of dried up because most people have taken advantage of the low rates that have been offered.

We have always done spec loans but don’t offer any special deals.

We have a good relationship with builders and allow them to do one or two specs at a time. And, of course, we also do their contract financing, as well.

Our home equities have no closing costs for appraisals, title work, or any other additional fees. They are all paid by the bank.

The commercial lending we do is still there. Buyers are still looking for commercial property, but it is a little harder to get financing on commercial deals than it was in the past because of appraisals and buyers having cash equity to put into the project.

I think building will stay consistent as far as new construction is concerned. Even the purchase market is still strong. Rates are starting to go up a little. I see them possibly going up a little more throughout 2014 but I still see the market being strong in construction and purchase.

When builders come to us for financing, we look at their construction schedule to see how much they have out there. We don’t want to get back into the times when guys had seven or eight construction loans at banks. We prefer them to have one or two lenders. We don’t want people to be just looking for another bank. It’s all about relationships, during good times and bad times.

Todd Johnson, Branch Manager Envoy Mortgage We don’t do spec or commercial lending. We provide no direct financing to builders, only end user financing to the final home owner. Those options have opened up. There are more loan products available. But for 99 percent of consumers, the products they need and want are the same ones that have existed for quite some time. One product that has been available but is being used more and more is a lender paid mortgage insurance product. The consumer may put only five percent down but have no monthly mortgage insurance. A lot of lenders don’t have that or they don’t capitalize on it, so it makes up a large percentage of our business.

Starting January 10, all lenders must assess the borrower’s ability february 2014 21

Positve Forecast to repay for virtually all closed-end residential mortgage loans. One of the changes is maximum debt-to-income ratio of 43% on Qualified Mortgages.

Jeff Ratanapool, COO Century Mortgage Company The banks have recovered, or are on their way to fully recovering, from the losses they took in 2008 as the market was falling. A lot of their assets were tied up dealing with defaults and foreclosures from builders and consumers. I’d say the majority of the lending institutions have cleared that hurdle. I think they will be a little more open to spec lending in 2014, with one caveat. I don’t think they’ll jump back in to the pre-2008 era when builders had several spec homes. However, if a builder has had a long standing relationship with the bank, I think the bank will be more willing to do spec lending than in years past.

2013 was a year in which we saw a great comeback in new construction financing. The demand was strong. A contract home is pretty much a guarantee that the home will close, so the bank has little risk in doing contract lending.

- Jeff Ratanapool

2013 was a year in which we saw a great comeback in new construction financing. The demand was strong. A contract home is pretty much a guarantee that the home will close, so the bank has little risk in doing contract lending. If the demand for new construction stays high in 2014, I don’t see that changing.

The loan options to the consumer are just basic due to regulatory changes with the Dodd Frank Act. One of the things Century Mortgage offers pertaining to new construction is that we have a very competitive long term interest rate lock during the construction period.

This enables the consumer to lock in their rate prior to their house being finished. We allow the consumer to lock in the rate for as long as six months.

I think the market overall will be positive. That’s based on a growing economy, a reduction in unemployment, modest job growth, and it’s an election year. Threats to that market are a rising interest rate environment and the enormous amount of regulation going into effect throughout January. The result of the regulations will mean possible longer wait times for consumers to close on their home loans, higher interest rates because some of the regulations will pass through to the consumer and their interest rate, and a possible tightening of lending practices. A good lender has already navigated through the changes and a lot of them are already in place because they were anticipated.

Only people who are lend worthy will be able to obtain a home loan. They will have to be diligent about credit and income and all the things related to paying a home loan because the rules will be strictly enforced.

Overall, I’m optimistic about the market. I think as people get back to working, that will create a demand for housing. I think interest rates will stay between four and five percent all year. The average 30year fixed mortgage rate since 1991 has been 9 percent. Money is still relatively inexpensive.

22 louisville builder • bialouisville.com

Amy Sullivan, Senior Vice President Commercial Lending Central Bank of Jefferson County Although we do spec lending, it isn’t simply an open door. We will lend only 75 percent of the appraised value based on plans and specs, as we require the builder’s 10 percent up front.

We have developed a new product that we can make as a segue way for our builders’ clients to then move right into permanent financing, kind of a one-stop shop. We don’t have all the particulars of the product finalized, but we’re working with our mortgage department in the bank to solidify the plans. We’re almost ready to flip the switch. Builders will be able to tell their clients that they get financing at Central Bank and suggest the clients do the same. But you have to be careful with the many new regulations with compliance and disclosure for the consumers.

Some people are saying we could look at another bust, but it amazes me the activity we’re seeing. I have homes priced anywhere in the high hundred thousands to a couple million dollars. They’re all across the board.

We have never stopped commercial lending, even during the downturn. Our business is really strong. We’re being given the opportunity to look at a lot of good, true commercial deals such as hotels, shopping centers and storage facilities.

A lot of clients are looking at potential development opportunities.

I haven’t worked on a development loan in the past five years. But in the past 90 days I’ve looked at three. I have more in the pipeline for 2014 than I have had in the past couple of years.

Steve Trager, Chairman and CEO Republic Bank We offer traditional secondary market products as well as portfolio products. With the increase in sales activity of residential real estate over the past year, we’ve seen a much higher percentage of mortgage loans in purchases rather than refinancing.

The sea of change that will occur this year involves the new, very restrictive mortgage rules. More and more people will have difficulty qualifying for traditional mortgage loans. Therefore, with Republic as a portfolio lender, we’ll be able to offer more options that will help people who may not qualify. We’re doing a 100 percent financing purchase product that’s proved very popular. And we have five- and seven-year initial fixed rates converting to ARMS that are very competitive with the secondary market. As fixed rates have gone up, borrowers realize they can still get a rate below four percent if they take a loan that has a shorter fixed rate term of five or seven years.

The conversations we have with residential clients center around regulatory requirements and documentation, what the rules allow us to do and not do. Some borrowers become frustrated with the extra levels of documentation and scrutiny.

Our nonwarrantable condo product has been very popular among buyers and realtors. It’s great for people who are buying a condo but don’t meet all the requirements of the condo association. We’re able to side step some of those requirements in the right situation.

We’re seeing some good commercial activity in the market. Pricing is good to borrow and we’re seeing that reflected in the demand. For the right borrower, the right project and the right risk profile, there isn’t anything we can’t do. For commercial type loans, the borrower will have to have some equity. That’s one of the big differences from several years ago.

National Association of Home Builders

Put your membership to work now.

Money-saving discounts that benefit your business, your employees, and your family

www.nahb.org/MA

february 2014 23

Photo Recap:

BIA Installation Luncheon

Your 2014 BIA Board of Directors

Due to the cancelation of the Holiday Party, the installaion was performed in the BIA lower level

24 louisville builder • bialouisville.com

The installation was performed by Frank Arnold, Sr. a BIA member for 65 years

George Miller and former BIA President Rob Eberenz, Jr.

Clifford Thieneman Sr. with Dale Hellmann

Paul Miele and others sharing some laughs

Thank You to These Sponsors: Lunch:

Cocktail:

Bottoms Up:

Former BIA President Richard Miles and Michael Montgomery sharing some words

february 2014 25

spikelist

All-Time Big Spike 1500d John Miranda, Pinnacle Properties of Louisville ...........2385

Grand Spike 1000d Ellery Esposito, Ellery Esposito Construction, Inc. .......1192 Stanley G. Logan, Jr.,

Logan Lavelle Hunt Insurance, Inc. ......................1086 Richard S. Buttorff, The Buttorff Company ...................1044 Joe Pusateri, Elite Homes, Inc. ......................................1021

Statesman 500d Robert L. Eberenz, Jr.,

Robert L. Eberenz Jr., Builder, LLC........................975 Robert Welch, Welch Builders, Inc. .................................872 Keith Eberenz, Keith Eberenz, Builder ...........................823 James R. Skaggs, Omikron Construction Co. ..................811 Robert A. Peterson, Jr., Robert A. Peterson, Jr., Co. Inc. .. 780 Michael L. Montgomery,

MONTCO Builders, Inc. -Honorary......................767 Bill Reisert, Sr. , Reisert Insurance Agency ......................688 Robert H. Marrett, CMB Development Co. ...................640 Dale Hellmann, Prudential Heating and Air...................569 Glen E. Stuckel, Glen E. Stuckel Builder, Inc. ................574

400d A. Thomas Sturgeon, Sturgeon & Associates Inc. ............475 Fred R. Dallenbach, Dallenbach Builders, Inc. ................464 Richard Eberenz, Richard Eberenz, Builder -Honorary...446 Rusty Wessel, Wessel Insurance Agency, Inc. ..................431 Clete Reinhart, Reinhart Construction Co. .....................426 Stan Humphrey, Stan Humphrey Construction...............420

Super Spike 250d Richard Bean, B B & T, retired.........................................367 Richard Miles, Dogwood Homes of Kentucky.................365 Carl Baker, Sterling Development Corp. .........................361 Bob Thieneman Jr., Bob Thieneman Jr., Builder ..............357 Don Petty-Honorary........................................................303 Tom Raver, Fireplace Distributors....................................288 Michael “Rocky” Pusateri, Elite Homes...........................285 Pat Thieneman-Seitz, Thieneman-Seitz Builder ..............282 William (Bill) Wilkinson, Wilkinson Builders, Inc..........277 Clifford Thieneman, Clifford Thieneman Co. Inc. ...........265 J. Robert Westerman,

J. Robert Westerman Builder -Honorary.................253

Trophy - 200 Billy Doelker, Key Homes................................................237 Steve Church, Logan Lavelle Hunt Insurance.................235 Jeremy Esposito, Ellery Esposito Construction................231 Scott Jagoe, Jagoe Homes.................................................230 Leo Thieneman, Sr., Leo Thieneman Co., Inc. .................227 Roger Plamp, Plamp-Keen Agency, Inc. .........................225 Teresa Morgan, Semonin Realtors...................................222 Roger Bright, AMCOT, LLC-honorary..........................220 Greg Esposito, Greg Esposito Contractor. ......................219

Royal Spike - 150 Lafe McGary....................................................................194 Roger Harbison, Cornell Harbison Excavating................193 Jesse Francis, Francis & Company....................................191 Dave Smith, Blacksmith Homes .....................................191 John F. Pohlman, John F. Pohlman Builder, Inc. ..............167 David Lurding, Lurding Homes......................................163 Robert L. Eberenz, Sr.,

Robert L. Eberenz, Inc. -Honorary..........................154 Red Spike - 100d

26 louisville builder • bialouisville.com

Sherrie Kruse, First Capital Bank.....................................141 Jack Band, Jack Band Builder, Inc. ...................................140 Charline Neal, Primerica Financial Services.....................136 Pat Durham, Pat Durham Bldr, Inc. ................................133 Jerry Blacketer, The Blacketer Co......................................130 Scott Yates, Paragon Homes ............................................125 Mike Isaac, Isaac Contracting & Design .........................117 Bruce Rademaker, Thoroughbred Associates, Inc. ...........110 John Rueff, Brecher Co.....................................................115 Sidney J. Anderson, S.J. Anderson Builder, Inc. ...............101 Robert D. Ford,

R. Ford Construction Co., Inc. -Honorary..............100

75d Perry D. Lyons, Perry D. Lyons Builder.............................95 Shawn Corrigan, Corrigan Electric....................................95 Terrance O’Rourke, O’Rourke & Associates .....................93 Ron Wolford, Ron Wolford Builder, Inc. ...........................85 John Thomas, River City Wholesale...................................83 Amos Martin, Amos Martin Builder ................................83 J.D. Nichols, NTS Corporation .........................................82 Don Karem, Karem Built Homes, Inc................................81 W. Bryant Brown, Brown & Carpenter Co., Inc. ..............81 John Lannert, Mass Mutual Financial................................80 Joe Dumstorf, Trend Companies of Kentucky....................79 Carol Daugherty Epley, Daugherty Insurance Agency ......76 Michael O’Dea, Constructive, LLC...................................75 Jeff Thompson, Jeda Homes................................................75

Green Spike - 50d Mark Aschbacher, Lincoln Insurance.................................67 Ron Hartman, Ernst Concrete. .........................................66 Vic Koestel, General Shale.................................................63 Brendan Kavanaugh, Great Northern Building Products...59 Rocco Pigneri, Ball Homes.................................................57 David Mikels, Graber’s Insealators.....................................57 James Pope, Nicklies Development....................................56 Ken Thieneman, Ken Thieneman Builder...........................56 Christopher J. Knopf, Pinnacle Properties of Louisville ....56 Ron Colyer, Colyer Construction.......................................55 Frank Arnold, Prudential Heating & Air Conditioning ...55 Jim Travis, Jim D. Travis, Builder ......................................53 Chris Cundiff, Logan Lavelle Hunt Insurance...................50

Life Spike - 25d Ken Block, Hyland, Block & Hyland, Inc. ........................49 David Monsour, Monsour Builders....................................49 Chris Osborne, DeVille Homes.........................................47 Derek Smothers, Quality One Steel Design Inc................47 Deepa Kamat, Granite America.........................................45 Phil Fackler-Fackler Homes...............................................43 Melanie Pearson, Logan Lavelle Hunt Insurance...............42 David Rateau, Rateau Construction ..................................42 Greg Schrenger, Schrenger Construction ..........................42 Dave French, LG&E..........................................................42 Paul Miele, K-I Lumber & Building Materials..................40 P.R. Lancaster, Lancaster Built Homes..............................40 Penny Love, Design Innovations, Inc.................................40 Leo Thieneman, Jr., Leo Thieneman & Sons, LLC............39 Mike Effinger, Effinger Construction.................................38 David Ernst, Prestige Builders............................................37 Phillip Wayne Leigh, Phillip Leigh, Inc.............................37 Chris Palmer, Swan Financial.............................................36 Woody Hamilton, Semonin Realtors ................................35 Mike Sanders, Mike Sanders Builders................................35

Mike Hall, K-I Lumber & Building Materials .................35 Jason Black, Stonecroft Homes...........................................35

Davis Boland, Boland Maloney Lumber.............................34 Ben Tyler, Ben Tyler Building & Remodeling ...................34 Frank Taylor, L&T Properties............................................33 John Sizemore, 2-10 Home Warranty................................31 Renotta Henson, Victory Home Builder ...........................30 David Bright, Bright Built Homes.....................................30

Ben Peerce Swindler, Ben Peerce Swindler, Builder ..........29 Vince Kimbel, Kimbel Construction..................................29 Kevin Passanisi, PC Home Center.....................................28

Carolyn Miller, Sure Linc Services.....................................28

Roger Hack, MRC Construction.......................................27 Larry Link, Bonnycastle Appliance & TV.........................27

James French, J & L Construction.....................................26 Terry Hagerman, Terry Hagerman Builder........................26 Ron Fonk, Woodfield Homes.............................................25 Mike Judah, Judah Real Estate ..........................................25 Douglas Amlung, Amlung Construction Company............25

Spike - 6d

Dan Smith, Stonelake Homes ...........................................24 Todd Hemmer, Lee Brick & Block ...................................23

Delbert Mulhall, Delbert Mulhall & Sons, Inc. ................23 Kari Vogedes, Logan Lavelle Hunt Insurance....................21 Joe Simms, Re/Max Associates..........................................20 Brandon Bailey, Bailey Remodeling...................................19 Terry Chynoweth, T & T Chynoweth, Inc.........................19 Lindsay Raidt, Chenoweth Construction...........................19 Clifford (Pete)Thieneman, Clifford Thieneman Co, LLC..18 Jerry Ostertag, Closet Factory............................................18 Peter Cooper, Ansac, Inc.....................................................17 Ryan Miranda, Churchill McGee.......................................17 Lisa Lynn Knight- Lisa Lynn Designs...............................17

Brad Lehmann, Lehmann Homes.....................................17 Dennis Montana, Lawn Care Co., Inc. ..............................16 Jason Orthober, Orthober Custom Homes........................16 Joe Kroll, Joe Kroll Builder.................................................16 Andrew Holden, Commonwealth Bank & Trust...............15 Chris Fuelling, Fuelling Built Homes.................................14 Barry Buffat, Barry Buffat Builder......................................14 Kerrin Hester Jr., Hester Construction ..............................13 Clay Jones, The Jones Group..............................................13 Steve Purdy, Prudential Heating & Air..............................12 Bob Duggins, Robert Duggins Builder, Inc........................12 Scott Church, Logan Lavelle Hunt Insurance....................11 David Weis, Meridian Construction...................................11

Howard Ferriell, H. D. Ferriell, Inc....................................11 James Robertson, Bond Electric.........................................10 Donald Wirtzberger, Sierra Design & Construction............9 Jarrod Vowels, Dominion Homes.........................................9 Mike Danzinger, SB Home Renovations.............................9 R.L. Lanham, R.L. Home Services......................................8 Tom Sims, CBRE/Louisville................................................8 Floyd Chelf, Chelf Insurance Agency..................................8 David Richardson, David Richardson Builder......................8 Brad DeVries, Semonin Realtors..........................................7 John Hollenbach, Hollenbach-Oakley.................................7 Mickey Corcoran, Mickey Corcoran Builder.......................7 James Duke Greene, Cimarron Construction, Co................7 Deborah Bilitski, Wyatt, Tarrant & Combs..........................6 Kevin Rich, Rich Design Studios.........................................6

membernews In Memoriam, Allen Schuler Builder and developer Allen Schuler, ASB, LLC passed away January 5, 2014. Schuler was extremely active in the industry, having served on the BIA Board of Directors for a decade and serving as the president of the HBA of Southern Indiana in 1997. He was named Builder of the Year by both associations, first by HBA Southern Indiana in 1997 and by the BIA in 1999.

Schuler’s involvement at the BIA also included serving and chairing the Registered Builder committee, teaching numerous accounting continuing education classes, serving as vice-chair of Land Development Committee, and building in Homearama in 1989 and 1990.

New URL for BIA website and email addresses for staff The website and email addresses have been changed effective January 1, 2014 to reflect the new name. The former URL and email addresses (hbal.com and @hbal.com) will continue to work; however, we ask that you begin to update your browsers and contact books with the new addresses: www.BIALouisville.com FIRSTNAME@bialouisville.com Purchase your discounted BIA Member tickets to the Home, Garden & Remodeling Show BIA members can purchase tickets to the Home, Garden & Remodeling Show presented by Window World in advance at a steep discount! Tickets can be purchased by members for only $4 – that’s 60% off regular admission! Use the tickets yourself, or give them to clients, friends, or family. Support your fellow industry members by attending the Home, Garden & Remodeling Show and do business with a member.

associatescommittee

corner Frank Arnold, Sr. made HBAL/BIA History on December 18th Frank Arnold, Sr., of Prudential Heating & Air is the oldest Associate member person of the Building Industry Association of Greater Louisville. He has personally been involved for 66 years and his company has participated in every Home, Garden & Remodeling Show since it began.

Since this is the first Board of Directors to be installed under the new Association name President Perry Lyons felt it was fitting to have Arnold do the honors. He is the first Associate member to ever serve in this role. “I was honored to have Frank install the officers and the board,” said Lyons.

Recently Arnold spoke to the 2013 Board of Directors about the history of our association. He joined in 1948 because a builder asked him to and has been involved ever since. Congratulations to Frank Arnold, Sr. on this special honor!!

See photos on page 24.

Custom Mail Boxes • Street Signs Cluster Box Units • Condos • Multi-Units

ENTERPRISES

Bobcat Equipment, Toro Dingo Equipment Cronkhite Trailers

502-245-1911 1-800-4BOBCAT bobcat-ent.com

DON DUGGINS | GREG DUGGINS 1116 Ulrich Avenue Louisville, KY 40219

RENTAL • SALES • SERVICE • PARTS

502-966-5774 FAX 502-966-5462 email: sales@dugginsco.com www.dugginsco.com

DWB Restoration II, Inc. Fire-Water-Wind-Storm 24hr Emergency Service

LLC

Mailing Address: 3107 Pinoak Dr. LaGrange, KY 40031

(502) 241-6990 office (502) 241-6992 fax contact@dwbrestoration.com

february 2014 27

newmembers Associates Approved 12/13 Eden Shale Nursery John Idstein Type of Business: Residential/Commercial Landscape Design/Build Sponsor: Kevin Rich

DEEM, LLC Chris Palmer Type of Business: Commercial HVAC, Refrigeration, Electrical, Plumbing Sponsor: John Miranda

Interiors by Carrie Carrie Riddle Type of Business: Interior Design Sponsor: Teresa Morgan

Stack Insurance Agency Matt Stack Type of Business: Insurance Agency Sponsor: Rob Eberenz, Jr.

Hancock Landscape Todd Hancock Type of Business: Landscape Design & Installation Sponsor: John Miranda

Dutton Co. Dan Dutton Type of Business: Interior Trim, Cabinetry, Millwork Sponsor: John Miranda

Green Meadows Landscaping Jeffrey Grinstead Type of Business: Landscaping Sponsor: Rocco Pigneri H.F. McClure Maintenance Service, Inc. Timothy McClure Type of Business: Maintenance services Sponsor: Larry Hobson

Affiliates Approved 12/13 Michael Grantz Irving Materials, Inc. (IMI) Sponsor: Rocky Pusateri Sponsor: Dale Hellmann

membermilestone Congratulations to these Milestone Members. These members have reached a milestone mark in their membership with their renewal in November.

65 years Prudential Heating & Air Conditioning - Frank Arnold Jr. 20 Years David Henry - Registered Builder Dennis Jones - Registered Builder E.A. Schmeing Excavating Co. - Ed Schmeing Hobbs Electric - Charles Hobbs M. Griffin Plumbing & Piping Company - Maurice Griffin Peters Painting - Gregory Peters Walnut Ridge Real Log Homes, Inc. - Michael Miller 15 Years Duggins Co., Inc. - Don Duggins Gary A. Johnson Trucking, Inc. - Gary Johnson Henderson Contracting - Robin Henderson Morris Electric Co., Inc. - Gary Morris Performance Concrete Construction, Inc - Kevin Hatzman Rex Davis Paving, LLC - Rex Davis Scott Yates - Registered Builder 10 Years Burgin Electric, LLC - David Burgin Lindsay Marie Irrigation - Matt Miller Renotta Henson - Registered Builder Terry’s Tree Service - Terry Mullins 5 Years Gallahue Properties, Ltd - Richard Gallahue Glenn B. Miller - Registered Remodelor ISC Kentucky - James Naïve Metro Dumpsters - Tom Ford Underwood Parrish & Associates Insurance Agency - Steve Parrish 28 louisville builder • bialouisville.com

1 Year

Atlas Painting Contractor, Inc. - Bashir Adam Elsamed Elite Roofing, LLC - Jeremy Bosco First Community Mortgage - Shane Gilmet Flooring and Granite Direct - John Allgeier Fox Run Partners, LLC - Jeanette White Gilbert Hume Drywall - Gilbert Hume Heritage Renovating & Construction - Gene Hancock Invision Flooring Systems - Sean Mattingly Kentuckiana Floor Systems - Don Lenz Kentucky Wholesale Company - Tim Hicks Koetter Woodworking, Inc. - Michael Deacon Lots and More - Noah Lockhart MPSL, Group LLC. - Joe Scannell The Blind and Drapery Place - Jane R. Naber The Catering Company - Lauren Brown The Copy Palace, Inc - Robert Lampton The LawnPro - Mike Mason Rich Design Studios - Kevin Rich Sign Crafters - Dani Monks Silent W, LLC dba Barry Wooley Designs - Janet Herm Sleadd Appraisals LLC - Jeff Sleadd Steel Creations Inc - Joe Ludwick Unseen Fencing of Kentucky - Burnie Knight Valley Crest Companies - Bob Gregory World Class Cabinetry Corp - Robert Bond Zayas Construction, LLC - Ravl Zayas

honorroll

As of January 1, 2014

Builders: Blacketer Company

Deville Homes

Clifford Thieneman Co., LLC

Dominion Homes

Associates: 1st Choice Insulation A&G Drywall, Inc. Bachman Commercial Sales Bardenwerper, Talbott & Roberts BB&T Boland Maloney Lumber Bonnycastle Appliance & TV Boral Bricks Century Mortgage Company Corrigan Electric and Home Systems Cunningham Door & Window Ditsler Insurance, Inc. The Door Store and Windows

Envoy Mortgage Fifth Third Bank The Flooring Gallery Frost Brown Todd, LLC K-I Lumber & Building Materials L & N Federal Credit Union Logan Lavelle Hunt Insurance Louis E. Hobbs Construction Co. Inc. McDonald Marble & Stone Inc. PC Home Center PPG Porter Paints Paul Hughes Kitchen Design & Sales Pro-Build Quarry Bluff Estates

Republic Bank RJ Thieneman Royal Kitchen & Bath Designs Sam Kinnaird’s Flooring and Granite Screens of Kentucky Sonne Steel The Trend Companies of Kentucky Triton Stone Group United Residential Lending Corp Wells Fargo Home Mortgage Window World VanZandt, Emrich, & Cary

A special thanks to all Honor Roll Members!

For more information on how you can be listed on the BIA Honor Roll, please call Melissa or Kimberly at 429-6000.

memberspending The following have applied for Registered Builder/Remodelor membership or Associate Builder/Remodeler membership. Members with pertinent information about applicant’s suitability to become a registered member of the Association, particularly credit information, are requested to contact the Registered Builder Committee, c/o the BIA office at 1000 N. Hurstbourne Parkway, Louisville, KY 40223 by mail or you can fax information to Margie at the BIA office at 429-6036.

Pending Registered Builder:

Stephen Smith Smith Homes & Renovations LLC 86 Thomas Trace Fisherville, KY 40023 664-8792

Don Johnson Don Johnson Contracting P. O. Box 214 Fisherville, KY 40023 968-9885

Sponsors: Penny Love

Dan Smith

Sponsors:

Dan Smith Don Karem

corporatesponsors Special thanks to these 2014 BIA corporate sponsors:

february 2014 29

advertiserindex

calendarofevents

February

Back Alley Ornamental Iron......................... 27

4-6

National Association of Home Builders IBS Show Las Vegas

11

Shelby County Council 11:30 a.m., Claudia Sanders Dinner House

12

Land Development Committee Meeting 10:00 a.m., BIA

20

Table Top Night 4:00 - 7:30 p.m., Ramada Plaza Louisville

28

Home, Garden & Remodeling Show Kentucky Exposition Center

Bobcat Enterprises........................................ 27

Boland Maloney Lumber.............................. ibc

Bonnycastle Appliance & TV......................... 19

Carpet Specialist........................................... 14

Dauenhauer Plumbing.................................. 17 Table Top Night February 20

Home Garden & Remodeling Show Feb 28 - March 2

March 1-2

Home, Garden & Remodeling Show Kentucky Exposition Center

5

Land Development Meeting 10:00 a.m., BIA

6

Commercial Council Meeting 8:30 a.m., BIA

12

Sales and Marketing Meeting 9:00 a.m., Big Springs Country Club

18

Bullitt County Council 11:30 a.m.

18-19 HBAK Board Meeting Lexington 19

Registered Builder Meeting 10:00 a.m., BIA

20

Oldham County Council 11:30 a.m., John W. Black Community Center

26

Executive Committee Meeting 1:00 a.m., BIA

26

Board of Directors Meeting 3:00 p.m., BIA

BIALouisville.com

Go to Events & Classes at the new BIALouisville.com to view a calendar of all BIA events

30 louisville builder • bialouisville.com

Duggins Co., Inc........................................... 27

DWB Restoration II, Inc............................... 27

Envoy Mortage............................................... 9

K-I Lumber & Building Materials................ifc

L&N Federal Credit Union..........................obc

LG&E......................................................... 13

Logan Lavelle Hunt....................................... 9

PC Home Center............................................ 4

PPG Porter Paints........................................ 19

and Doors. All rights reserved. ®Registered trademark of Marvin Windows and Doors. 1-800-268-7644 ENERGY STAR and the ENERGY STAR certification mark are registered US marks. ©2012 Marvin Windows ®

®

Only at pros.myMarvin.com/catalog range of replacement and remodeling options with our new, updated catalog. to service and support from local retailers. Get a closer look at our extraordinary generations of innovation and craftsmanship backed by an unwavering commitment there’s no better partner for exceeding your clients’ needs. It’s all part of four of products combined with the most energy efficient options available means Whether it’s remodeling or replacement, Marvin® has a solution. The broadest range

Whether it’s remodeling or replacement, Marvin® has a solution. The broadest range of products combined with the most energy efficient options available means there’s no better partner for exceeding your clients’ needs. It’s all part of four generations of innovation and craftsmanship backed by an unwavering commitment to service and support from local retailers. Get a closer look at our extraordinary range of replacement and remodeling options with our new, updated catalog.

Only at pros.myMarvin.com/catalog Bolandmaloney.discovermarvin.com ENERGY STAR and the ENERGY STAR certification mark are registered US marks. ©2012 Marvin Windows and Doors. All rights reserved. ®Registered trademark of Marvin Windows and Doors. 1-800-268-7644 ®

®

4010 Collins Lane, Louisville, KY 40245 (502) 426-6121 • www.bolandmaloney.com february 2014 31

No Closing Costs on Home Equity Loans!

In addition, rates are at some of the lowest ever!

Borrow

25,000

$

For as Low as $133 Per Month* Give us a call today, at 502.368.5858 / 800.292.2905 or visit www.LNFCU.com to apply online.

L&N FEDERAL CREDIT UNION

(502) 368-5858 • www.LNFCU.com * Example shown based on 4.00%, adjustable rate, 25 year payback.

Rate based on credit qualifications and subject to change. NMLS#531738