NKB June 2017

NORTHERN KENTUCKY

June 2017

The Official Publication of the Home Builders Association of Northern Kentucky

Annual

HBA FAMILY BARBEQUE

june

sponsored by

more inside on page 15

www.HomeBuildersNKY.com www.facebook.com/HBANKY

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Careers in Construction

The primary palette matrix

Your Future, Your Home brick

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Carpentry $42,320

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Cincinnati Mean Wage

7,357

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New and Replacement Jobs by 2024

If you like working with wood and take pride in seeing something made with your own hands, then this is the trade for you. Carpenters are needed in all areas of construction and are often employed through the entire construction process, making it one of the most secure jobs within the industry.

Find your home with a career in the home building industry and help others achieve the dream of owning a home.

Learn more at hbanky.com/trades-training-and-jobs Follow us at facebook.com/Apprenticetraining source: 2014-2024 U.S. Bureau of Labor Statistics workforce outlook survey

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The mission of the Home Builders Association of Northern Kentucky is to promote and enhance the integrity and visibility of the construction industry and the members of the organization through advocacy, communication, education and political action.

Northern Kentucky Builder™ is an official publication of the Home Builders Association of Northern Kentucky, 2751 Circleport Drive, Erlanger, Kentucky 41018. It is published in the interest of the Northern Kentucky building industry and read by home builders, remodelers, general contractors, developers, engineers, bankers, Realtors,® architects, material dealers, subcontractors and manufacturers. All rights reserved. Copying or reproduction without the expressed permission of the Home Builders Association of Northern Kentucky is strictly prohibited. phone 859.331.9500 or fax 859.578.3393 email homebuilders@hbanky.com 2017 Board of Directors Bill Cullen/Cullen Brothers, President John Curtin/Paul Hemmer Company, Vice President Tom Withorn/Craftsmen by Design, Secretary/Treasurer Tom Spille/Spille Builders & Developers, Immediate Past Pres.

Pat Parshall/Northwest Title Agency, LLC, Associate President Watson Jones/C.K. Ash Insurance, Associate Vice President Mike Conklin/The Drees Company, Builder Director Ross Kreutzjans/Legacy Management, Builder Director Jerry Beerman/Alluring Glass, Associate Director Fred Cernetisch/Pella, Associate Director Chris Johnstone/Regions Mortgage, Associate Director Nick Smith/Keller Williams Realty, Associate Director Mike Willenbrink/Bayer Becker, LDC President Melanie Millson/ The Drees Company, SMC President HBA Staff Brian A. Miller, Executive Vice President Angela Foster, Director of Shows & Events Charley Wayman, Director of Sales & Marketing Shawn Cox, Director of Professional Development Dan Smith, Director of Finance Tammy Gorby, Director of Membership Mandy Trenkamp, Administrative Coordinator Editors Charley Wayman Writing Vicki Prichard Staff The Home Builders Association of Northern Kentucky is open to the world, visit our web site for up-to-date information on HBA services and programs, including extensive public referral directory to Registered Builders, Registered Remodelers and Associate Members.

June 2017

INSIDE THIS EDITION...

4 ............................................................. Letter from Brian Miller 5............................................................ Membership Information 6..............................High School Daytime Skilled Trades Program

Ends on a “Hopeful” Note 7............................................................. 54th Annual Golf Outing 8...... HBA Signature Event Wrap Up: Meet Secretary David Dickerson 10.............................. HBA Construction Trades Training Program:

Graduations and New Applications 9......... Trades Training Program Now Accepting New Applications 12.................................................................Builder Realtor Bash 15................................................... Annual HBA Family Barbeque 16.......................... Risky Business: Avoid Becoming a Cautionary .....................................Construction Tale by Reducing Your Risks 18....................................................... Table Top Night at Belterra 20................................................................ Building Permit Data 22.............................................................. Millennium Club 2017 24...................................................Remodeler Spotlight: Bill Butt 26......................................... Northern Kentucky Building Permits 27................................................................... Calendar of Events

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FROM THE EXECUTIVE VICE PRESIDENT

June is Homeownership Month:

Homeownership Benefits Extend Well Beyond Property Boundaries

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ost Americans consider homeownership to be the single best long-term investment and a primary source of financial security, especially as home values continue to strengthen.

Despite the economic rollercoaster during the recession, homeownership has endured as the foundation of the American Dream.

For that reason, the home building industry is celebrating National Homeownership Month in June.

Owning your home provides numerous benefits. It not only helps build financial strength and emotional wellbeing for you and your family, but it also leads to increased stability for the surrounding community.

We would like to take this opportunity to reinforce some of the many advantages homeownership can bring.

Financial Benefits: It’s nearly impossible to talk about homeownership without mentioning its most widely recognized benefit: financial fortitude.

Beyond the appreciation factor (home values were up 6.3 percent nationally in the first quarter of 2016 compared to the first quarter of 2015), the monetary advantages of owning a home become most evident around tax time.

American home owners saw their tax bills trimmed by a total of more than $100 billion in 2014. Those who itemize their federal income tax deductions can deduct 100 percent of their mortgage interest payments

on a first or second home, up to a maximum mortgage amount of $1 million. Other deductions include the interest paid on up to $100,000 of home equity loans, state and local real estate taxes, and any potential mortgage insurance premiums.

Sense of Community: Homeowners’ commitment to their community is often expressed through a higher level of civic participation – via volunteer programs, church and school activities, and property maintenance – resulting in a positive impact on their “social capital.”

Recent studies also have consistently shown homeowners are significantly less likely to become the victims of a crime. Stable neighborhoods with a predominant structure of homeownership consistently display stronger social ties among the residents. This generates added motivation to maintain a safe environment for themselves, their families and their neighbors.

Quality-of-life Enhancements: Above all else, having full control of one’s own home can be the most satisfying benefit. There’s an intangible sense of accomplishment that comes from being a homeowner. The freedom to personalize and make improvements to the home helps build equity in the home and increase satisfaction for the owner.

Your local association fully supports the notion of homeownership. If you would like to help spread the word of the benefits of homeownership, please contact us. We have many tools that can help you help yourself by informing your community about these benefits.

MARK YOUR CALENDARS

AUGUST 12-27, 2017

Winner’s Circle in Triple Crown Featuring Drees, Fischer & Adam Miller Homes

Presented by

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Sponsorship and Vendor Opportunities Available Contact Charley Wayman at 859-331-9500 or charley@hbanky.com to learn about ways to be part of this great event through sponsorship!

Shoring the Numbers

Spring Member Drive a Big Success!

ALL-RITE READY MIX

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his year’s Spring Membership Drive spurred some competition amongst members.

Ross Kreutzjans, Legacy Management and Board of Director member led the group by recruiting four new members. The combined efforts of the drive brought in 15 new members for the month of April. Members came out and made calls, while enjoying lunch provided by Eli’s BBQ. Membership recruitment is the lifeblood of our organization and is something that should be done every month and not just during Membership Drives.

“Where Quality and Service Save You Time and Money”

A big thank you goes out to all the members for taking part in the drive.

Ross Kreutzjans, Kreutzjans Construction, HBA Board of Directors Pat Parshall, Northwest Title, HBA Associate Vice President Doug Delay, Alan Schmidt Construction, HBA Past President Diana Devore – Guardian Savings Bank JoEllen Thompson, Star Building Materials, HBA Past President Bill Cullen, Cullen Brothers, HBA President Tom Spille, Spille Builders and Developers, HBA Immediate Past President Amy Beck, Citizens Deposit Bank John Curtin, Paul Hemmer Co, HBA Vice President James Kegley, B.O.L.D. Homes, HBA Past President Tyson Hermes, Hermes Construction Phil Westerfield, Fischer Homes Michelle Coldwell, Huntington Bank, SMC Vice President Tom WIthorn, Craftsfmen By Design LLC, HBA Secretary Treasurer Fred Cernetisch, Pella Doors and Windows, HBA Board of Directors

Florence, Kentucky 139 Aristocrat Dr. (859) 371-3314 Aurora, Indiana 10513 Morgans Branch Rd. (812) 926-0920 Wilder, Kentucky 108 Williams Way (859) 572-9951 Harrison, Ohio 7466 New Haven Rd. (513) 738-1933 Port Union, Ohio 5259 Rialto Road (513) 860-5111

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Ross Kreutzjans, Legacy Management, Board of Directors and Amy Beck, Citizens Deposit Bank.

John Curtin, Paul Hemmer Co., Vice President

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Milestone Members These members have reached a milestone in their membership with their renewals in June. Congratulations!

Five Years Spille Builders and Developers Fifteen Years ATEC Corporation At Home Integrations Inc. Bryant Heating and Cooling Stewart Title Company

Bill Cullen, Cullen Brothers, President and Tom Withorn , Craftsmen by Design, Secretary/Treasurer.

Thirty Years Custom Distributors, Inc. 06/2017

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Let us show you why we were voted the best Appliance Store

by Cincinnati Enquirer Readers.

www.HagedornAppliance.com

HBA EDUCATION

(859) 342-6060

HIGH SCHOOL DAYTIME SKILLED TRADES PROGRAM ENDS ON A “HOPEFUL� NOTE

Written by Shawn Cox

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n April 27th we bid a fond farewell to our morning and afternoon high school students who participated in our first ever daytime skilled trades training program. For the remainder of the year they will be working on projects with the Boone County Parks Department, putting their newly found skills to the test.

While many are seniors and are graduating, several have already expressed an interest in continuing their education with the Enzweiler Building Institute and many of the juniors are looking into co-op opportunities within our industry.

We want to thank each one of these young people who made the program such a success in our first year. It was a pleasure watching you learn, grow and work as a team. You represented your schools; Boone County, Conner, Cooper, Ryle, Ludlow and the NKCES very well and are welcome back anytime! As a fitting wrap up to the year, in the carpentry shop the students, along with lead instructor Kevin McKnight, constructed this HOPE sign to be used later at a cancer benefit event.

If these young people and the ones to come after them are any indication, we have every reason to HOPE the future is bright for our industry!

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We are happy to announce that Aaron Ashcraft has joined the Hagedorn family! originally from Aaron is original Northern Kentucky and has been selling appliances since 1986. His years of experience make him a great asset to our team.

4432 Dixie Hwy, Erlanger, KY 41018

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The dictionary defines ‘rain’ as moisture condensed from the atmosphere that falls visibly in separate drops and interferes with, impedes, and interrupts outside work at the job site. Housing Opportunities of Northern Kentucky (HONK), like most contractors, is weather constrained and is struggling to pour the front porch and the exterior steps at 433 Dell St. in Elsmere. When this is finally accomplished, we can set post columns and rails, an activity where we can use some skilled volunteers. Some good news is the laminate flooring is installed and the kitchen cabinets have been delivered. We are also progressing on our two rehabs in Covington. Oh, one more thing: HONK has recently acquired two-three bedroom houses.

But, of course, they need a lot of rehabilitation. So remember, join us if you can! To learn more about HONK, or to volunteer, or to donate go to www.honkhomes.org. Thank You.

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l-r; Charley Wayman, Director of Sales & Marketing, Home Builders Association of Northern Kentucky; Brian Miller, Executive Vice President, Home Builders Association of Northern Kentucky; John Schickel, Kentucky Senator; David Dickerson, Kentucky Public Protection Cabinet Secretary; Bob Weiss, Executive Vice President, Home Builders Association of Kentucky; Sal Santoro, Kentucky State Representative; Angela Foster, Director of Shows & Events, Home Builders Association of Northern Kentucky.

HBA EVENTS

l-r; Pat Parshall, Associate President, Northwest Title; Bill Cullen, President, Cullen Brothers and Watson Jones, Associate Vice President, C.K. Ash Insurance.

l-r; State Senator john Schickel; Bob Weis, Executive Vice President, Home Builders Association of Kentucky and Brian Miller, Executive Vice President, Home Builders Association of Northern Kentucky discuss issues regarding the 2017 General Assembly.

HBA Signature Event Wrap Up: Meet Secretary David Dickerson

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ozens of members gathered on Wednesday, April 5th, to meet David Dickerson, the Public Protection Cabinet Secretary. The event was sponsored by EGC Construction and Len Riegler Blacktop. Secretary Dickerson spent his time informing members about the efficiencies they have been working through in the Department of Housing, Buildings and Construction. This department, led by Commissioner Steve Milby, has reduced the time for permit issuance from five weeks down to five days. They are cross training both state plumbing and HVAC inspectors. As a result, inspectors will be able to inspect both components at one time; cutting down on work delays and saving time/money for those in our industry.

Secretary Dickerson relayed the efforts the Governor has undertaken to cut through regulations in the “Red Tape Reduction Initiative”.

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Written by Brian Miller

Hundreds of regulations are now up for review including arc-fault electric breakers, “safety” receptacles and air gaps in dishwasher installations. Many more are being reviewed, and your association has submitted over 30 regulations requesting to be reviewed.

On the workforce development front, Secretary Dickerson pledged to work with the Department of Housing, Buildings and Construction and other Cabinet Secretaries to provide the same opportunities for those individuals looking to enter the construction sector as they would any other sector, including manufacturing, information technology and healthcare.

We thank Secretary Dickerson for spending time with many leaders in our association. Also, thanks to our sponsors for helping to make this wonderful event possible.

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On June 14, the Federation will be on Capitol Hill. NAHB members will meet with their congressional delegations on Capitol Hill to discuss issues of vital interest to the home building industry. The day starts with a morning briefing on key issues and a guest speaker at the Marriott Wardman Park Hotel, headquarters for the Midyear Board Meeting. After a day of Capitol Hill office visits and meetings, the NAHB Legislative Conference concludes with an evening reception back at the Wardman Park. NAHB’s Legislative Conference rotates with Bringing Housing Home™, when our builders, remodelers and trade partners meet with their members of Congress in their home legislative districts. Bringing Housing Home returns in the spring of 2018.

9003 Empire Connector Drive / Florence, KY 41042-2231

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859-525-0636

WE FOCUS ON THE INSURANCE AND FINANCIAL NEEDS OF YOUR BUILDING INDUSTRY LLH has been providing insurance and financial services to Kentucky’s building industry for over 50 years. Today, with all the challenges your business faces, it’s a good time to talk with us to create a plan that will put your company’s insurance, benefits and wealth management programs in order.

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HBA CONSTRUCTION TRADES TRAINING PROGRAM: GRADUATIONS AND NEW APPLICATIONS

Written by Shawn Cox

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he Enzweiler Building Institute held its 2017 graduation on Thursday the 13th of April at the HBA Events Center.

Commencement was a great success with our guest speaker Deputy Secretary of Education and Work Force Development Brad Montell sending our students out into their new life with some inspiring words. The Secretary was very expressive in his support of our efforts and programs. He has committed to working with us on many of our policy initiatives to further our workforce development goals and we want to thank him again for joining us.

Certificates were given to 32 graduates, all of whom are now using their skills in our workforce.

We want to take a minute to thank all of our instructors without whom our program simply would not succeed. These are all incredibly dedicated and talented tradesman and we’re lucky to have them!

Thank you: Kevin McKnight – Finish / Trim Carpentry, Derek Elliot – Rough Carpentry, CR Adams – Electric 1, Geoff Ball – Electric 2, Matt Kahmann – Electric 3, Brandt Manning – Electric 4, Tony Hoekstra – HVAC 1 and 2, Sean Townsend – Plumbing 1 and 2, Steve Duncan and Gary Steeken – Welding, and Tim McIntosh – Facilities Maintenance and Remodeling.

The Enzweiler Apprentice Training Program sponsored by the HBA of Northern Kentucky provides quality training recognized by the National Association of Home Builders, the US Department of Labor and the State

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of Kentucky to get students on a path to licensure in fields that require them and to gain a level of proficiency critical to your success on today’s job sites. With classes in six different disciplines (carpentry, plumbing, facilities maintenance and remodeling, HVAC, electrical, and welding) we are preparing people with the skill and desire to have a rewarding career in the construction industry.

Enrollment is now open and applications can be obtained by visiting our website: http://www.hbanky.com/trades-training-and-jobs.html or contacting our Director of Professional Development at scox@hbanky. com or calling 859 331 9500 to learn more. Tours for employers, employees and individual consultations are available by appointment.

The demand for skilled trades people is growing at a rate not seen since before the recession. Economic projections show a need for upwards of 2,000 trades related jobs within the next three years and another 3-4,000 on top of that within the next five to seven years. Many classes already have several enrollments and class sizes are limited. Early registration and full payment to receive an HBA member discount is encouraged.

Realizing the need to fulfill the diverse educational needs for a skilled workforce the HBA of Northern Kentucky is celebrating its 50th year since it began as one of the region’s first construction trades programs in 1967.

That tradition continues as we work to train the future business owners and skilled trades people of tomorrow

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Jason Sayers, Jeff Crable, Kristy Brennan, Diane Kuchera of Drees Homes and Jackie Kaiser of Drees Homes.

Kristin Chapman, John Cain and Debbie Franxman of Wiseway.

Bill Cullen of Cullen Brothers and HBA President and Mike Kegley of B.O.L.D. Homes and HBA Past President.

John Lorms of Re/Max Affiliates and Kelly Bailey Vu of Brookstone Homes

Becky Baird of Coldwell Banker and Doug Delay of Alan Schmidt Homes and past HBA Past President.

Korey Yelton of Chemical Bank.

EVENTS

Dan Scherff and Britany Golsch of Roeding Insurance.

Diane Wojcik, Dan Jacobson and Melissa Engelman of Fischer Homes.

BUILDER REALTOR BASH

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Ellen Barnett of L & N Federal Credit Union

PRESENTED BY

Written by Tammy Gorby

he Sales and Marketing Council held its 11th Annual Builder REALTOR Bash presented by Fischer Homes at the Northern Kentucky NKAR Education Center. Over 100 REALTORS came out to learn about new home developments from some of Northern Kentucky’s top builders and vendors. This year’s theme was Baseball and the winner for best exhibitor booth went to Tri-State Partners at Keller Williams representing Gerdes & Flesch Custom Homes, Inc. A big thank you goes out to the evenings sponsors: Fischer Homes, L &N Federal Credit Union, Roeding Insurance, Kentucky Federal, Chemical Bank and Wiseway.

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Your local excavating experts!

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Annual

HBA FAMILY BARBEQUE

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Grab the kids and bring the family for a fun day at the park!

Starts at 4:00 pm with catering by Eli’s BBQ. NO

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$20 TICKETS – CONTACT ANGELA FOSTER AT 859-331-9500 FOR MORE INFORMATION. WE WILL BE PARTNERING WITH THE HOUSING OPPORTUNITIES OF NORTHERN KENTUCKY (H.O.N.K.) AS OUR EVENT CHARITY SPONSORSHIP OPPORTUNITIES AVAILABLE! CONTACT CHARLEY WAYMAN AT 859-331-9500 FOR MORE INFORMATION.

RISKY BUSINESS:

AVOID BECOMING A CAUTIONARY CONSTRUCTION TALE BY REDUCING YOUR RISKS Written by Vicki Prichard

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rian Dunham, an attorney with Frost, Brown, Todd Law has witnessed his share of cautionary construction tales. “More times than I care to recall, I’ve had clients find out that money intended to pay for their work has been diverted, or was never there to begin with,” Dunham says. “To cover their tracks, the owner / general contractor will make-up reasons why payment should be delayed and reduced,” he says.

In those situations, he says the expense, time — and often the futility — of filing a lawsuit pressures contractors to take less than they’re owed, which, he says, could be avoided if contractors do background checks or pay attention to warning signs.

But even the most savvy builder can find themselves facing construction woes.

“I had a sophisticated client call me right before he was going to send $250,000 to a developer he trusted to invest in a project. A quick background check showed this developer was going on trial for felony theft in Minnesota. Conniving or simply desperate people can be very convincing,” cautions Dunham. Suffice it to say, risk management goes a long way in keeping construction projects running smoothly.

BIG OR LITTLE, ALL PROJECTS ARE VULNERABLE TO RISK Regardless of whether a construction project is a residence or a skyscraper, each project comes with its unique complexities and risks, and that’s why smart construction risk management is critical for any company.

And just how does a company go about reducing its risk? Identifying and determining potential sources of risk is a good start.

Project risks: Insufficient project management, subpar company policies of lack of policies. Off the mark on time and necessary resources.

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Bob Schroder of Arlinghaus Builders says a builder must know what he or she is doing before they get involved in a project, and know all the risks and costs involved.

“Sometimes there will be unknown factors that affect a project such as a new highway or railroad that cuts right through a development, or a nearby property gets zoned for approval of a noisy industrial use or drug rehab facility,” says Schroder. “These type of things can greatly affect property values, home values, and sales.”

For instance, Schroder says that years ago, when Delta Airlines increased flights from the Cincinnati/Northern Kentucky International Airport (CVG), homes and properties which had been unaffected by airport noise were greatly impacted, and it happened almost overnight.

Lawsuits ensued about property devaluation, and claims that owners and realtors allegedly misled buyers.

Other risks, says Schroder, can result from issues that are unknown.

For example, he says, there are areas that cannot be served by available utilities such as water or sewer.

“A developer could be half way through a project then discover that there is no more capacity for sewer or water or other necessary utility,” says Scroder. “The entire development stops. People have bought property for the investment, then everything changes because of new zoning.”

Stakeholder risks: Miscommunications on deliverables of a project, insufficient stakeholder funds.

Schroder points out that what is expected of the builder and what is expected of the purchaser/buyer must be clear. For example, he says, buyers need to be able to make decisions in their selections so as not to delay completion dates.

“We have had a buyer that selected items that needed to be imported

from Europe and the long delivery time caused a delay in the completion date,” says Schroder.

Financial risks: Lack of sales, rising interest rates, overtrading, unmanaged growth, tough economic climate, increases in resources or building supplies.

Financial risk, says Schroder, is not exclusive to the building industry.

“Many homes are priced on a certain date, based on current material costs, but the home takes five to ten months to complete, and some material prices increase by a larger than expected amount,” says Schroder. “This results in no profit or, possibly, a loss to the builder.”

Rising interest rates for the buyer of a home can become a bigger problem if the completion of a project is delayed. If rates rise high enough, a buyer might find that they aren’t qualified to close on the home.

For a builder or a developer, if a project takes longer than anticipated to complete, interest charges can ruin the project.

Lack of sales during bad years, says Schroder, caused many builders and developers to go out of business, and many homeowners lost their home in foreclosure.

“It is extremely important to be aware what the economy is doing, what designs are in demand, and produce a quality product at a reasonable price,” Schroder says. “And let potential buyers know that you have what they want to purchase.”

Natural risks: Risks from natural elements such as floods, for example, that can damage your constructions sites or impede access to work.

Schroder says, for this reason, a builder should never sign an agreement with a completion penalty. Not only can floods halt a project, he says, but conditions that are too wet can cause delays in framing the home, installing shingles, or grading and finishing a yard.

IDENTIFY DEGREE OF RISKS AND THEIR IMPORTANCE TO YOUR COMPANY How does a company determine the amount of risk it is willing to incur across a portfolio of agreements? Risks can certainly vary from company to company, and some tend to surface more than others.

Dunham points to some of the more obvious ones, and how to stay ahead of those risks.

“The most important thing any business owner can do - especially contractors and developers - is to avoid working with people with questionable track records,” says Dunham.

“Whether this is your project owner, general contractor, key subcontractor, partner or investor, really know with whom you are doing business,” he says.

Dunham notes that even the best contracts can’t get you paid if there’s no money, or give you back all the lost hours of worry, extra work, arguing, and litigating if these people don’t follow through with their obligations or are unreasonable in working through the problems that pop up in even the best run projects.

“With new, key project partners, I often encourage clients to have a background search performed, including a review of court records. Is this potential partner regularly involved in litigation? Do they have tax liens, foreclosures and other judgments against them? These searches can be obtained for a couple hundred dollars. Money well spent,” says Dunham.

Dunham’s wise counsel also involves selecting the right projects.

Avoid those, he says, with too tight of a schedule and big potential damages, chasing out-of-town work, bad architects, or projects otherwise outside your wheelhouse.

“You pick the right partners and right projects, your risk is drastically decreased,” says Dunham.

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KNOW THE RISKS AND HOW TO MINIMIZE THEM A range of variables contribute to construction risk, but some statistics show that top reasons include: • 37 percent report unrealistic growth — overextending credit lines, taking on too much work — as the top reason.

• 36 percent are due to performance issues, or lack of experience and staff.

• 29 percent involve character issues such as transfer of ownership, or when a key employee or partner leaves.

• 29 percent are attributed to accounting issues — insufficient costs and time tracking, or non-compliance.

• And management issues are the fifth top reason for contractor company failure, relating to lack of training or poor project management.

• Poor business practices, as opposed to poor construction, top the list as contributing to construction risks.

“As far as ways to minimize risk under the contract, there’s lots to consider,” says Dunham. “However, at the top of the list are keeping your right to stop work and lien the project in the event of owner breach, having the owner waive consequential damages, providing a limited warranty, narrowing the indemnification provision, and having a crystal-clear scope of work — identify not only what is included, but highlight what’s excluded if there’s a risk of misunderstanding.”

Dunham stresses the importance of having a timely document in writing. Even if it’s just an email, he says, having something in writing that addresses project changes or delays outside of your control. And if certain notice formalities are required under the contract, comply with those, he says.

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STAY AHEAD OF THE RISK WITH A GOOD SAFETY PROGRAM One of the best principals a contractor can do to counter risk is to have essential programs in place to begin with.

Watson Jones, Home Builders of Northern Kentucky Associate Vice President, and a business and personal agent with C.K. Ash Insurance, says the best thing contractors can do for reducing risk is coming up with a Safety Program and creating or revamping their Sub-Contract Agreements.

Jones says Safety Programs should include Job Site Safety, Employee Safety, including monthly or weekly safety meetings, Fleet Safety, Vehicle Maintenance Program, Driver’s MVR Program/Standards, Employee Safety Standards/Consequences etc, and that the Sub-Contract Agreement should have a designated area for Insurance wording that includes items like Completed & On-Going Operations Additional Insured endorsements, with specific editions listed, Waiver of Subrogation endorsements, etc.

Jones also says they should also have specific statements as to what policies the subs should carry. A separate sheet should list the policies and limits that the sub should carry and the corresponding endorsements. An example of a Certificate of Insurance should also be attached which state the corresponding limits and wording desired.

“Of course this all needs to be tailored to the individual company and the work they are doing,” says Jones. “A good Risk Manager/Insurance Agent should be able to help you create these and tailor them to your specific needs as a business.

MEMBERS, MARK YOUR CALENDARS! 8th Annual Dewey Newport Associates Council

Annual Elk Creek Clay Sh at Elk Creek Hunt Club Elk Creek Hunt Club, 1860 Georgetown Rd., Owenton, KY

Thursday, September 7th

Sponsorship Opportunities!

Call Charley Wayman, 859-331-9500 or email charley@hbanky.com to secure your sponsorship today!

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TRENDS

BUILDING PERMIT DATA

Building Permit Data – Brian Miller

The HBA has decided to update some data for single family (SF) building permits. Notice the bump in 2010, especially in Kenton County (Independence = 248%, 2010 v 2009) during the first-time homebuyer tax incentive. Boone experienced a 60% increase over prior year during that incentive and Campbell only a 53% increase. We wonder what will happen to first-time buyers now that Independence is moving towards raising the base price of a home by $4-5k. Likely they will be buying a smaller home and smaller lot and a home with a few more design details. A $150k buyer is a $150k buyer and if they want to live in Independence, will find a way to do just that. Or move to unincorporated Kenton County near Independence.

Q1 Single Family Permits

2009 2010 2011 2012 2013 2014 2015 2016 2017

Building Permit Data – Brian Miller

The HBA has decided to update some data for single family (SF) building permits. Notice the b 2010, especially in Kenton County (Independence = 248%, 2010 v 2009) during the first-time h tax incentive. Boone experienced a 60% increase over prior year during that incentive and Ca a 53% increase. We wonder what will happen to first-time buyers now that Independence is towards raising the base price of a home by $4-5k. Likely they will be buying a smaller home a lot and a home with a few more design details. A $150k buyer is a $150k buyer and if they w in Independence, will find a way to do just that. Or move to unincorporated Kenton County n Independence.

Q1 Single Family Permits

2009 2010 2011 2012 2013 2014 2015 2016 2017

Written by Brian Miller

T

he HBA has decided to update some data for single family (SF) building permits. Notice the bump in 2010, especially in Kenton County (Independence = 248%, 2010 v 2009) during the first-time homebuyer tax incentive. Boone experienced a 60% increase over prior year during that incentive and Campbell only a 53% increase. We wonder what will happen to firsttime buyers now that Independence is moving towards raising the base price of a home by $4-5k.

Boone 65 104 88 72 85 78 89 76 92 Boone 65 104 88 72 85 78 89 76 92 Likely they lot and a home with a few more design Campbell 17 26 18 19 18 17 25 35 37 Campbell 17 will 26 be buying 18 19 a smaller 18 17 home 25 and 35 smaller 37 23 80 34 42 36 54 47 37 53 Kenton 80 buyer 34 is 42 36 buyer 54 47 if37 details. A 23 $150k a $150k and they53 want to live in Independence, will find a way Kenton Total 105 210 140 133 139 149 161 148 182 Total 105 210 140 133 139 149 161 148 182 to do just that.

Or move to unincorporated Kenton County near Independence.

If you look at the 6 month period, the truth comes out that Campbell County really did not participate in

the first-time buyer incentive to any measure. Campbell County is nearing full recovery. Kenton County

obviously did benefit greatly from the incentive and has yet to catch up to that level or to gain motion on recovery. Boone County is heading towards recovery and surpassed the first-time buyer incentive in 2016.

If you look at the 6 month period, the truth comes out that Campbell County really did not participate in If you look at the 6 month period, the truth comes out that Campbell County really did not partic

the first-time buyer incentive to any measure. Campbell County is nearing full recovery. Kenton County the first-time buyer incentive to any measure. Campbell County is nearing full recovery. Kenton obviously did benefit greatly from the incentive and has yet to catch up to that level or to gain obviously did benefit greatly from the incentive and has yet to catch up to that level or to gain motion on recovery. Boone County is heading towards recovery and surpassed the first-time buyer motion on recovery. Boone County is heading towards recovery and surpassed the first-time bu incentive in 2016. incentive in 2016.

If you look at the 6 month period, the truth comes out that Campbell County really did not Trailing 6 Months Trailing 6 Months Trailing 6 Months

2009 2010 2011 2012 2009 2013 2010 2014 2011 2015 2012 2016 2013 2017 2014 2015 2016 2017

participate the first-time any measure.

Campbell County is nearing full 2009 in 2010 2011 2012 buyer 2013 incentive 2014 2015 to2016 2017

Boone 119 188 156 136 152 157 157 192 152 207 157 157 192 207

Boone 119 188 156 136 Boone 119 188 156 136 152 157 157 192 207 recovery.

Kenton County obviously did benefit greatly from the incentive and has yet to Campbell 82 catch 50 36 44 37 20 63 91 37 71 20 Campbell 82 50 36 44 63 91 71 Campbell 82 50 36 44 37 20 63 91 71 Kenton 88 141 72 83 141 99 99 91 106 Kenton 70 88 72 70 83 99 99 91 106 Kenton 72 70 83 on recovery.

99 99 Boone 91 106 up to that 88 level141 or to gain motion County is heading towards recovery and Total 289 379 264 272 379 276 264 319 250 374 272 384 276 319 374 384 Total 250 289 Total 379 264 250 272 276 319 374 384 surpassed289 the first-time buyer incentive in 2016.

In the last 12 months, we see a more complete picture. Campbell County is stabilizing into their “new normal”. Boone, while benefiting from the first-time buyer incentive, likely only moved would-be buyers up and out of the natural recovery cycle. Kenton is bouncing around the bottom.

Trailing 12 Months

2009 2010 2011 2012 2013 2014 2015 2016 2017 In the Boone

In the last 12 months, we see a more complete picture. Campbell County is stabilizing into th

normal”. Boone, while benefiting from the first-time buyer incentive, likely only moved woul

buyers up and out of the natural recovery cycle. Kenton is bouncing around the bottom.

In the last 12 months, we see a more complete picture. Campbell County is stabilizing into their “new

normal”. Boone, while benefiting from the first-time buyer incentive, likely only moved would-be Trailing 12 Months buyers up and out of the natural recovery cycle. Kenton is bouncing around the bottom.

2009 2010 2011 2012 2013 2014 2015 2016 2017

Boone 365 442 367 314 337 395 372 423 428 Trailing 12 Months Campbell 110 120 87 104 93 54 109 164 159

2009 2010 2011 2012 2013 2014 2015 2016 2017 Kenton 267 330 172 182 226 235 225 199 205

Boone 365 442 367 314 337 395 372 423 428 Total 742 892 626 600 656 684 706 786 792 Campbell 110 120 87 104 93 54 109 164 159

Kenton 267 330 172 182 226 235 225 199 205

442 367 we314 372 423 428 Campbell County is stabilizing into their last365 12 months, see a337 more395 complete picture.

110 120 87 104 93 54 109 164 159 “new normal”. Boone, while benefiting from the first-time buyer incentive, likely only moved Kenton 267 330 172 182 226 235 225 199 205 would-be742 buyers and out the natural recovery cycle. Kenton is bouncing around the bottom.

Total 892 up626 600 of656 684 706 786 792 Campbell

Total

742

892

626

600

656

684

706

786

792

20

Northern Kentucky BUILDER

06/2017

While these are largely positive numbers, let’s remember where we came from:

While these are largely positive numbers, let’s remember where we came from:

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MAKE PLANS TO ATTEND HBA OF KENTUCKY SUMMER BOARD MEETING The HBA of Kentucky’s Summer Board meetings will occur July 19-21 at the Galt House Hotel in Louisville. A family friendly event will kick off the meetings with an outing to the Louisville Bats at 6pm on the 19th.

Cost to attend is $25 per person and is hosted by the Young Building Professionals of the state association.

On Thursday, July 20th, the HIPACK/BUILDPAC reception will be held at the Kentucky Derby Museum from 6-9pm. This is a free event BUT reservations are required. Transportation will be provided to and from the hotel.

We still believe a new normal for our market represents the 2007 single family permit volume of 1250 which is double 2016. We anticipate that level to be reached earlier in 2019 than we previously thought. We forecast the 2,382-volume high to be matched by 2023. That has been pulled up two years from previous 2025 estimates.

We still believe a new normal for our market represents the 2007 single family permit volume of 1250 which is double 2016. We anticipate that level to be reached earlier in 2019 than we previously thought. We forecast the 2,382-volume high to be matched by 2023. That has been pulled up two years from previous 2025 estimates.

The Galt House is located with walking distance of many of downtown Louisville’s attractions, including the Louisville Slugger Museum, Muhammed Ali Center, Fourth Street Live!, Kentucky Center for the Arts. many local outstanding restaurants and riverside parks and walking/ biking trails. Learn more by visiting the HBA of Kentucky’s website at www.hbak.com. See you there!

06/2017

Northern Kentucky BUILDER

21

MILLENNIUM CLUB 2017 Brian Jones

NO

MEMBER RTH

ERN KENTUC

Watson Jones

KY

Contractors Insurance Specialist

Agent for HBA Workers Comp Program, up to 40% discounts available

Reis Concrete Products, Inc. Ready Mix • Concrete Septic Tanks

9522 Alexandria Pike Alexandria, KY 859-635-4157

Rt. 2 269 AA US 27 Falmouth, KY 859-654-6400

Email: concrete02@fuse.net • Fax: 859-635-REIS

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22

Northern Kentucky BUILDER

06/2017

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REMODELER SPOTLIGHT Bill Butt of Bill’s Remodeling & Electric, Inc.

F

or this month’s issue, I would like to shine the spotlight on Bill Butt, of Bill’s Remodeling & Electric, Inc. Bill has been a member of the HBA since 1996, putting him at 21 years of membership. He served as our HBA president in 2012. He has received three national certifications through his membership: Certified Graduate Remodeler (CGR), Certified Graduate Builder (CGB), and Certified Aging-in-Place Specialist (CAPS). He is also a certified mediator through the state for the HBA. He is also the five-time winner of our annual clay shoot (holding the current record for most wins).

When asked to describe how the HBA has helped him these past 21 years to grow his business he stated that “It has helped my business grow exponentially.

Better clientele I’ll get, and bigger jobs. Now almost all my jobs are through word of mouth. All seven of my employees are graduates of the trade school. 5 carpenters & 2 electricians.” He urges members to “Get involved. Stay Involved.

Get active, get your name out there. Get to know people.”

Bill has been married 40 years to his wife Karen. Together they have two sons and two grandchildren (one and three years of age). Bill also volunteers as Santa for the Florence Jaycees over the past 6 years and last year joined as Santa for the Florence Kiwanis club. Bill’s hobbies include shooting, hunting and fishing. He will be travelling to Alaska this June on a six-city land trip.

One of his favorite musicians is Elvis Presley, with his favorite song being “My Blue Suede Shoes”. Sadly, he is not a believer that Elvis still lives.

Bill’s father was a research and development engineer. He taught Bill how to read blueprints when Bill was in high school, sparking his first interest in building. Bill also had two uncles that were electricians that he said, “rubbed off ” on him, providing him with the opportunity to learn 24

Northern Kentucky BUILDER

06/2017

Written by Charley Wayman

the trade. He started building first and then began schooling to become a certified electrician, where he took his test and passed in 1986. Bill started his current business in 1980 and today has eight employees (himself included). If given the choice between being a “Jack of many trades or a master of one”, Bill replied “I’m already a jack of many trades. I have one masters license, I guess I got both covered.”

Bill has worked closely with the Housing Opportunities of Northern Kentucky. Through the HBA he helped to frame four houses and was hired to frame three others. He was active in boy scouts in his youth and both of his sons are Eagle Scouts. Bill has served as a scout leader and assistant scout manager. He was also commissioner of the Northern Kentucky Peewee football league in the late 70s and early 80s. He often participates in the river sweep and as HBA president, he has helped to raise funds for charities working to help cure diseases such as Muscular Dystrophy.

I asked Bill if he could master one more skill to help him with his business, and his reply was “Knowing more about social media, because I don’t know it now. I don’t understand it and am afraid to get on Facebook.

It’s important to know it because of the younger generation. They all do social media and are constantly on their phones. Phone books are a thing of the past. No more white pages anymore, so you can’t find anyone. So social media is the way to go for the future.”

Look for Bill at one of the HBA’s upcoming events and introduce yourself (that is if you do not already know him). To learn more about Bill’s Remodeling & Electric, Inc. visit: www.billsremodeling.com To contact, call 859-485-6768 or email wbillbutt@zoomtown.com

for your commercial needS call uS firSt

BoB wheeler, commercial SaleS manager BoB.wheeler@jeffwyler.com ph. 859-525-8001 / c. 513-728-9174 1154 Burlington pike, florence, ky 41042

www.jeffwylerflorenceBuickgmc.com www.wyler.com

DO BUSINESS WITH A MEMBER For a list of current members of the Home Builders Association of Northern Kentucky call 859.331.9500, download the HBA’s APP or visit www.homebuildersnky.com

NORTHERN KENTUCKY BUILDING PERMITS APRIL ‘17

#

SINGLE FAMILY

#

MODULAR HOMES

#

MULTI FAMILY

#

CONDOS

#

COMMERCIAL

#

COMMERCIAL REMODELING

#

RESIDENTIAL REMODELING

BOONE

28

$4,937,042.00

0

0

3

$1,836,700.00

1

$431,600.00

2

$3,402,336.00

37

$6,917,167.00

70

$997,101.00

CAMPBELL

17

$3,225,198.00

0

0

0

0

0

0

0

0

4

$111,035.00

24

$1,316,525.00

KENTON

22

$7,388,745.00

0

0

0

0

1

$958,473.00

0

0

13

$6,622,785.00

20

$505,635.00

GRANT

5

$976,000.00

4

$148,500.00

0

0

0

0

0

0

1

$3,170,366.00

11

$275,000.00

MASON

0

0

0

0

0

0

0

0

0

0

0

0

0

0

TOTAL

72

$16,526,985.00

4

$148,500.00

3

$1,836,700.00

2

$1,390,073.00

2

$3,402,336.00

55

$16,821,353.00

125

$3,094,261.00

APRIL ‘16

#

SINGLE FAMILY

#

MODULAR HOMES

#

MULTI FAMILY

#

CONDOS

#

COMMERCIAL

#

COMMERCIAL REMODELING

#

RESIDENTIAL REMODELING

BOONE

32

$6,243,626.00

0

0

0

$-

0

0

5

$1,342,000.00

50

$15,584,666.00

129

$1,699,305.00

CAMPBELL

16

$4,232,959.00

0

0

1

$324,000.00

0

0

0

0

15

$416,351.00

52

$771,074.00

KENTON

38

$6,094,618.00

0

0

0

$-

0

0

1

$50,000.00

43

$21,039,453.00

49

$1,364,118.00

GRANT

0

0

0

0

1

$100,000.00

0

0

0

0

6

$220,400.00

5

$126,300.00

MASON

0

0

0

0

0

0

0

0

0

0

0

0

0

0

TOTAL

86

$16,571,203.00

0

$0.00

2

$424,000.00

0

0

6

$1,392,000.00

114

$37,260,870.00

235

$3,960,797.00

26

Northern Kentucky BUILDER

06/2017

HBANKY BUSINESS MEETINGS AT A GLANCE. GO TO HBANKY.COM OR CALL 331-9500 FOR RESERVATIONS AND CONFIRM DATES

June - A Look Ahead 1

Remodelers Issues Committee Meeting, 12:00 PM at the HBA.

6

Sales and Marketing Council Board of Governors Meeting, 12:00 PM - 1:00 PM at the HBA.

13-17 NAHB Mid Year Meeting and Legislative Conference, at the Marriott Wardman Park Hotel in Washington, DC. 13

54th Annual HBA Golf Outing, 10:00 AM - 7:00 PM at Summit Hills Country Club.

21

Land Development Council Board of Governors, 10:30 AM - 12:00 PM at the HBA. Monthly meeting of the Land Development Council Board of Governors.

All Council Past Presidents are welcome and encouraged to attend this meeting.

26

State & Local Government/PAC Committee. The committee will discuss legislative issues and engage an elected or appointed official in dialogue over issues concerning the construction industry. All members are welcome to attend this meeting. 11:30 AM - 1:00 PM at the HBA.

29

Executive Committee, only Executive Committee members may attend this meeting. 2:00 - 3:30 PM at the HBA.

29

4th Annual HBA Family Barbeque, 4:00 PM - 8:00 PM at President's Park.

DO YOU HAVE THE HBA APP? The HBA has an app to make your experience with us that much easier.

Go to the Apple Store or Google Play store and search “HBANKY”. The app has our full list of events and meetings. With a tap load our scheduled events into your mobile device. Experience our home shows, browse our online directory of members. Need a new contractor or looking to schedule a meeting with a new customer? Just tap on their phone number to call them direct! It’s just that easy!

July - Get Involved 4

Independence Day Observed - HBA Office Closed

11

Sales and Marketing Council Board of Governors Meeting, 12:00 - 1:00 PM at the HBA.

20-21 HBA of Kentucky Summer Board of Directors Meeting, The Galt House Hotel & Suites in Louisville, KY. 24

State & Local Government/PAC Committee. The committee will discuss legislative issues and engage an elected or appointed official in dialogue over issues concerning the construction industry. All members are welcome to attend this meeting. 11:30 AM - 1:00 PM at the HBA.

27

Executive Committee, only Executive Committee members may attend this meeting. 2:00 - 3:30 PM at the HBA.

27

Board of Directors, 3:30 - 5:00 PM at the HBA.

NO

RTH

ERN KENTUC

KY

NO

RTH

ERN KENTUC

KY

NO

RTH

ERN KENTUC

KY

06/2017

Northern Kentucky BUILDER

27

NO

MEMBER RTH

ERN KENTUC

KY

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