VOICE
THE
OF THE CONSTRUCTION INDUSTRY SINCE 1962 January 2015
36th Annual Home Show March 7th & 8th Emerald Coast Convention Center
– PROGRAM SPONSOR CLUB –
Contents
Columns
4 Alan Baggett, Executive Vice President
12 State & National Member Benefits
18 NAHB Economics & Housing Policy
6
Chris Taylor, 2015 BIA President
Departments & Features
is a quarterly publication of
Building Industry Association of Okaloosa & Walton Counties, Inc.
5 2015 BIA Board Members
6 Meet the 2015 BIA President
10 OSHA Training
10 Member Spotlight, Architectural Gutter Systems LLC
14 Tips for Selecting a Contractor 16 News Makers
17 Renting vs Buying
19 BIA Associate Member List
Cover
VOICE
THE
OF THE CONSTRUCTION INDUSTRY SINCE 1962 January 2015
“We live in a special place. We have multiple reasons for our success.”
16
2014 Mike Josey Memorial Scholarship Award
Jennifer Fleming Director of Marketing and Communications
jgf@biaow.org
Published by:
1234 Airport Road, Suite 123 Destin, FL 32541 Phone - 850.650.1014 CS@EmeraldCoastPubs.com www.ECMarketingandPublishing.com
Advertisers:
9 2 9 7 15 12 4 13
Alan Baggett Executive Vice President
A Full-Service Media Sales, Creative, Printing and Publishing Company
36th Annual Home Show Emerald Coast Convention Center March 7th & 8th See Page 8
15 9 23 15
BIA STAFF:
Emerald Coast Marketing & Publishing LLC
– PROGRAM SPONSOR CLUB –
Advanced Concrete Supply Inc. Architectural Gutter Systems LLC Bonded Builders C.M. Taylor Contracting, Inc. Century 21, Patsy Bland Team Emerald Coast Association of Realtors Florida PACE Funding Agency Gatlin Lumber Gulf Power Janssen Construction Management, Inc. Linn’s Prestige Kitchens and Baths Okaloosa Gas Paradise Closets ResortQuest Real Estate REW Materials Service First Suntrust Mortgage Waterstone Mortgage
1980 Lewis Turner Blvd. Fort Walton Beach, FL 32547 Phone - 850.863.5107 Fax - 850.864.2037 www.biaow.org
abaggett@biaow.org
35th Annual Home Show March 7th & 8th Emerald Coast Convention Center
12 22 24 18 17 11
THE VOICE
16
APEX Award Winners for 2014 “Achievement of Professional Excellence”
BIA MEMBERS: Tell us about News Makers Tell us about New Products & New Services The Voice will highlight new hires, employee achievements and promotions. The Voice will showcase your new products and services. Submit description and photo to: cs@emeraldcoastpubs.com Next Deadline: March 13th
Welcome!
It’s Going to Be a Great Year! Alan Baggett, Executive Vice President I can’t tell you how excited I am to be writing my first article in the “The Voice.” First let me wish each of you a peaceful and prosperous New Year filled with many blessings. The New Year always brings with it a fresh, crisp feeling, and I’m not talking about that cold northern breeze nipping at your nose and ears. It’s like a new beginning, a new era, or a fresh start to what could become the best year ever for the BIA. I am excited about the year ahead and I am looking forward to working with our President Chris Taylor. Chris is both energetic and positive about the opportunities and I know he will provide the leadership necessary to get the job done very effectively. I welcome our new board members and officers, and I challenge them to work diligently with me in the pursuit of greater things for the BIA. I challenge each of you to follow Chris’s lead and devote your time and talents to the BIA whenever possible.
Let’s begin the New Year by congratulating the 2014 Builder of the Year Bobby Fisher (Arthur Rutenberg Homes), and Associate of the Year Joe Nacchia (Homes & Land of the Emerald Coast) on their selection for these accolades. Both Bobby and Joe are deserving of these awards due to their commitment to the BIA and the industry, and I appreciate all they do through their involvement with the association. These awards were announced at our December Christmas & Installation Banquet and, if you didn’t make the event, you missed a great time.
4 — The Voice — January 2015
The BIA has great things in store for you in 2015 starting with our first general membership meeting January 14th at the Ramada Plaza on Okaloosa Island. The 2015 Economic & Housing Forecast Breakfast is an event that you do not want to miss. This year’s breakfast is a partnership with our friends at the Emerald Coast Association of Realtors and will feature one of the best lineups of speakers we have ever had. The registration form can be found at www.biaow.org, seating is limited, so make your reservations today. On a final note, make the BIA one of your new year’s resolutions, one that you keep! This is a great time to get involved in the BIA to make the most of your membership. Committees are gearing up for the year ahead, and you can get in on the ground floor of all the goings-on at the BIA. Together we can grow this organization to new heights in terms of service and participation and have fun in the process. Take a few minutes to call Jennifer Fleming or myself to discuss how you and your business can make the most of your INVESTMENT with the BIA. All the Best, Alan
2015 Board Members
Executive Committee
President Chris Taylor C.M. Taylor Contracting
Immediate Past President Bobby Fisher Arthur Rutenberg Homes 2014 Builder of the Year
First Vice President Jerremy Whitehead Southern Paradise Homes
Second Vice President Scott Wagner Emerald Coast Building Materials
Secretary Garrett Floyd Niceville Insurance
Treasurer Terry Hymel Bluewater Central Vacuum Systems
Immediate Second Vice President Carmela Bell ResortQuest Real Estate
Presidential Appointment at Large Betty Sims CHELCO
Presidential Appointment at Large Jim Snider Gulf Power Company
Presidential Appointment at Large Debbie Moore Okaloosa Gas
Board of Directors
Eric Babin Babin Custom Builders, Inc.
Felix Beukenkamp Beukenkamp Building Group
Joe Pelter First Federal Bank of Florida
Rick Goff KGII Development
Jeremy Stewart Jeremy Stewart Construction
Kevin Reeves A-Team Kitchen and Bath Group
Michael Riley Sherwin Williams
Thomas Watkins Watree Construction
Jonny Miller Ronco Electric
John Dowd Jr. Dowd Law Firm
Joe Nacchia Homes & Land Magazine 2014 Associate of the Year
Andy Wilson Wilson Enterprises
www.biaow.org — 3
Meet the 2015 BIA President Chris Taylor, C.M. Taylor Contracting How long have you been in the area?
I’ve been in the area almost all my life. I was born in Huntington W.V. and moved to Shalimar when I was two years old. My parents returned home to Fort Walton Beach where they grew up and graduated high school. My family was very large and spread out from Fort Walton Beach to Marianna to Ohio and all in between. We spent a lot of time at family gatherings. I guess that’s what makes family so important to me today.
What is your educational background?
“We live in a special place. We have multiple reasons for our success....”
While I was growing up I attended Longwood Elementary, Meigs Jr. High, Choctawhatchee High, and Northwest Florida State College formerly known as Okaloosa Walton Community College.
What was your first job?
My first real job was when I was fourteen. It was my favorite restaurant in Fort Walton Beach, Tony’s Italian restaurant. From that point on I realized that if I wanted money in my pocket I had to work for it. After moving away from the area and gaining construction experience including landscaping, painting, carpentry, and even making caulk at a factory, I attended multiple construction management courses. During that time my stepfather offered me a job as a superintendent for his construction company, Centurion III that at the time was located in Niceville. I worked as a superintendent with his company for fifteen years before starting C.M. Taylor Contracting.
Tell us about your family life.
My family began with my first daughter, Hali, who is now 22 and married, my son Austin, 19, recently graduated high school and is looking forward to attending college in the new year, my son, Braxton, 9, is currently in fourth grade at Destin Elementary, and my youngest daughter, Addison, 7, is currently in second grade at Destin Elementary. My wife of twelve years, Heather, is a devoted mother and second grade teacher at Destin Elementary.
What do you like to do with your spare time?
In my spare time I enjoy spending time with my family, coaching my children in multiple sports, golfing, fishing, hunting, surfing, and watching college football while cooking out with friends.
What do you see as the biggest challenges for the building industry?
In the recent years following the crash the biggest challenge for builders in the industry was to rebuild all of the facets that work together to create a productive building industry. Now that the recovery seems to have improved the biggest challenge I see today is a labor shortage. The demand for construction has increased but the supply of knowledgeable and reliable labor forces for the subcontractors is struggling. Supporting and promoting our local tech programs will improve our future work force. The next generation needs to experience the hard work that is required in construction as they learn the trades through books and hands-on experience.
What is the state of the building industry in our local area?
Luckily our area has rebounded quicker than most. We live in a special place. We have multiple reasons for our success. We provide homes for the military, rental and second homes for tourists, and forever homes for retirees. Not to mention the thousands of professionals that call our area, home.
What are your goals for 2015 as the President of the BIA?
Looking forward to 2015 my hopes are to continue the growth and recovery of this local BIA. This process starts with spreading the word about the benefits and opportunities the BIA has to offer to the local building community. In return the growth in membership would help support our goals to produce a thriving organization that helps us all not only locally but state and nationwide.
6 — The Voice — January 2015
The 36th annual BIA Home Show will be held at the Emerald Coast Convention Center on the Okaloosa Island on Saturday March 7th from 9:00am-5:00pm and Sunday March 8th from 11:00am-4:00pm (don’t forget Sunday Daylight Savings Time begins). The Home Show features indoor exhibit booths filled with information on products and services for those who plan to build new homes or wish to remodel or even just “spruce up” their current homes. This year’s show will also feature many new “Green” Products and Services available now to our local area! Spend the whole day at our show with your family! Informational seminars and tons of booths to view are just some of the things you can do at the 2015 Home Show. Our popular informational seminars include seminars on lawn care, remodeling ideas, and more. Our informational seminars are a great way to learn about products and services offered by our local builders and associates. We will also have a food vendor on hand so you can have lunch at the show! LesGo Personal Chef Services will be serving lunch. www.lesgopersonalchef.com Advance tickets for the event can be purchased for $2.00 at any Eglin Federal Credit Union branch locations beginning in February. You can also buy your tickets at the door for $5.00. Children 12 and under are admitted free when accompanied by an adult. Those attendees with military id’s receive $1.00 off of your ticket price at the door. This year we have partnered with Okaloosa Saves to make this 8 — The Voice — January 2015
event bigger and better! Okaloosa Saves is partnering with the BIA Home Show on March 7th to display their Piggy Bank contest entries for public judging, conduct two financial seminars: one on improving credit scores and the other on saving money on a mortgage, and joining Savers. In addition, Okaloosa Saves offers free individual federal income tax preparation by IRS-certified volunteers to include e-file for individuals and families with income below $52k. Interested individuals should bring their social security cards and proof of identification as well as all income documentation to the event. For additional information on income limitations visit IRS.gov (keyword search: VITA). Be sure to stop by the Okaloosa $aves table for more information and goodies for those who sign up, and remember to vote for your favorite piggy bank. Youth bank entry winners will be announced at 3:00 on March 7 and will receive cash awards. Okaloosa $aves is a coalition of volunteers in Okaloosa County under the national America Saves program with a mission to encourage individuals to build wealth and reduce debt. Okaloosa $aves provides free financial information, educational programs, and many other events. You don’t have to be a member of the BIA to become a vendor in our event. Check out our website, www.biaow.org for the official rules and entry form.
Serving Local Builders for 33 Years 20 Time National Award Winning Design Team Custom Cabinetry – Incredible Style at Value Pricing
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GATLIN LUMBER & SUPPLY CO. Since 1956 50,000 Items in Stock Free Delivery
Paradise CLOSETS & STORAGE Add Beauty & Value to Your Home! Closets – Pantries – Laundry – Office – Storage – Garages
Open Mon-Fri 6:30 - 5, Sat 7-1 Shop online: www.GatlinLumber.com Key Cutting Fasteners Paint Matching
Tool Repair Pipe Cutting & Threading Re-Key Locks
Phil DiDonato Shalimar, FL
850 217-4357 57 BEAL PARKWAY N.E. • FWB
850-243-9102
ParadiseClosets@cox.net Licensed and Insured Free Estimates
Authorized Dealer
For the Emerald Coast
Please visit us at www.ParadiseClosets.com www.biaow.org — 9
Member Spotlight: Architectural Gutter Systems Architectural Gutter Systems, LLC, headquartered in Fort Walton Beach, has been servicing residential and commercial customers from Pensacola to Panama City and surrounding areas since 2008. As a full service gutter company, we perform all levels of seamless gutter system design and installation. Our fleet carries seamless gutter machines and all necessary tools to produce aluminum K-Style gutters directly on the job site. Recently, the company started doing many copper and galvalume jobs. These specialty gutters add a beautiful
OSHA 10 Training (Construction)
architectural touch to any home. If you are looking for something more basic, the seamless aluminum gutters are matched to the drip edge and camouflaged to your home. Other areas of expertise includes: screened enclosures, fascia and soffit work, as well as underground drainage! Founder and owner, Eric Lewis, personally provides proposals and is available to meet with homeowners and contractors. Customer service is first and foremost because Eric knows that his customers are his most vital asset. Eric will take the time to listen and talk with you to learn and understand your questions or concerns in order to create the perfect solution.
“We guarantee quality workmanship at a reasonable price. All of the installations come with a lifetime warranty (outside of Mother Nature’s disasters) and factory paint jobs come with a 20-year warranty”
Date: Friday, February 6, 2015 Time: 7:00 am – 5:30 pm Instructor: Scottie Smith, CWI, CWE This training program is intended to provide entry level construction workers information about how to identify, abate, avoid and prevent job related hazards on a construction site. The training covers a variety of construction safety and health hazards which a worker may encounter at a construction site. Training should emphasize hazard identification, avoidance, control and prevention, not OSHA standards. Instructional time must be a minimum of 10 hours. The student will be able to: • Identify major hazards • Describe types of hazards • Protect him/herself from these hazards • Recognize employer requirements to protect workers from these hazards The topics covered are: 1. Introduction to OSHA 2. Falls 3. Electrocution 4. Struck-By (e.g., falling objects, trucks, cranes) 5. Caught-In or Between (e.g., trench hazards, equipment) 6. Elective – 2 hours of training will cover a variety of the following topics. a) Cranes, Derricks, Hoists, Elevators, & Conveyors b) Excavations c) Materials Handling, Storage, Use and Disposal d) Scaffolds e) Stairways and Ladders f ) Tools – Hand and Power
Architectural Gutter Systems is a proud member of the Building Industry Association of Okaloosa-Walton Counties, the FWB Chamber of Commerce and the Home Builders Association of West Florida. We have an Angie’s List profile that includes reviews about our company and workmanship. As members of these associations, Architectural Gutter systems strive to be sure their customers are pleased. The best compliments received are a customers’ recommendations to family and friends. No job is too big or too small! Architectural Gutter Systems has one goal, to provide quality workmanship and an outcome beyond customers’ expectations! Visit us at www.architecturalguttersystems.com, or call 850-226-6133.
Location: Northwest Florida State College, Niceville Campus Student Services Building, Room 308 Fee: $25.00 Ref #: 94253 *Fee Includes: 10 hours of instruction, materials, OSHA Card, breakfast, lunch. Limited space, BIA members have priority. For more information and to register call (850) 729-6880 or e-mail leadership@nwfsc.edu Sponsored by:
An Equal Access/Equal Opportunity Institution 10 — The Voice — January 2015
BIA Executive Vice President Alan Baggett and Eric Lewis, Owner
Best Wishes for a Happy and Prosperous New Year from the Emerald Coast Association of Realtors
President Sam Kinkaid
President-elect Cathy Alley
Vice President Terry Pilcher
Treasurer Diane Keller
Assistant Treasurer Liz McMaster
At-large Director Mike Cadogan
Crestview Chapter Director Kathy Wilhelm
FWB Chapter Director Ben Acock
Niceville Chapter Director Susan Rood
Miramar Beach Chapter Director Justin Lindsey
Commercial Chapter Director Gordon MacLean
Destin Chapter Director Eric Hanson
Navarre Chapter Director Rob Brooks
South Walton Chapter Director Nina McCaslin-Horn
Immediate Past President Ed Smith
Emerald Coast Association of Realtors 10 Hollywood Blvd. S.E. • Fort Walton Beach, FL 32548 850-243-6145 • info@ecaor.com www.emeraldcoastrealtors.com www.emeraldcoasthomesonline.com
State and National Member Benefits STATE (Florida Home Builders Association – AKA FHBA – www.fhba.com)
• Builder Rebate Program – Rebates from companies like Delta, ClosetMaid, Honeywell, Carrier, and Boise Cascade. The average rebate in 2013 for a builder/remodeler was $915.24! • Verizon Wireless Discount – Up to 22% off of monthly charges and 25% off of accessories! • Other discounts available from companies like Staples, Sherwin Williams, Sears Commercial and more! • Sample business contracts available on fhba.com • Discounted attendance for the Southeast Builders Conference (SEBC) • Plus much much more!
NATIONAL (National Home Builders Association – AKA NAHB – www.nahb.org)
• Free legal research assistance and information on buildingrelated issues to all members. NAHB attorneys can research relevant questions and provide members with a written analysis of the legal issue. They can also share copies of applicable federal, state, and local laws; supply opinions from courts throughout the country; and offer a wealth of other legal information. • Discount programs from companies like Lowes, GM, Office Depot, Dell, Hertz. • Representation on Capitol Hill • International Builders Show (IBS)
850.301.0306 Concrete Repair & Restoration Concrete Grinding Epoxy & Urethane Coatings Stamped • Stained • Overlays • Metallic • Chip • Quartz
Commercial | Industrial | Residential
www.AdvancedConcreteSupply.com 12 — The Voice — January 2015
Many more benefits are available. To view more, please visit www.biaow.org.
Protect Yourself And Your Investment Tips for Selecting the Right Contractor Visit www.biaow.org (All BIA builder members are licensed and insured) Get at least three estimates from licensed and bonded contractors Get the estimate in writing Ask for and check references Ask for a proof of insurance Get a written contract Make sure all work that requires city or county inspection is officially
approved in writing before final payment is made
Homeowners are encouraged to verify a contractor’s license by contacting the Florida Department of Business and Professional Regulation (DBPR) 850-487-1395 or www.myfloridalicense.com.
About the BIA: The Building Industry Association of Okaloosa and Walton Counties, Inc, is a Fort Walton Beach, Florida based trade organization representing almost 300 corporate members involved in Okaloosa and Walton counties home building and remodeling industry.
1980 Lewis Turner Boulevard Fort Walton Beach, FL 32547 Phone - 850.863.5107 Fax - 850.864.2037 jgf@biaow.org www.biaow.org 14 — The Voice — January 2015
FRANK J.B. JANSSEN
President STATE CERTIFIED RESIDENTIAL & COMMERCIAL CONTRACTOR CBC1253992
850-830-2453 cell 850-837-7181 office fjbjanssen@cox.net
www.JanssenConstructionMgmt.com
Quality You Can Trust Service You Can Depend On! At REW Materials, we have people with the technical expertise to help contractors, architects, and owners stay on top of new methods in construction. Unique to the industry, REW has a team of representatives and leading edge technology to help our customers develop the best possible solutions for today’s complex applications.
REW Materials uses all of the latest innovations to meet your residential job site needs.
Drywall | Metal Studs | Acoustical Insulation | Roofing | Stucco
Scott Wagner
850-678-0010 office 850-259-9926 cell swagner@rewmaterials.com www.rewmaterials.com REW Materials 8040 N. Palafox Street Pensacola, FL 32534
www.biaow.org — 15
News Makers 2014 Mike Josey Memorial Scholarship Award
Congratulations to Chapman Tew!
The Mike Josey Memorial Scholarship was established by the BIA to honor the legacy of the late Mike Josey who served the BIA on the Board of Directors until his untimely passing in March 2008. This scholarship fund provides scholarships to local student entering a construction like career. Last year over $4000 in scholarships were provided. Money is raised for this scholarship fund from our Mike Josey Memorial Sporting Clay Tournament. This is a great event held at the Shoal River Sporting Clays and Shooting Center in Crestview each October. Our next event is scheduled for October 10th, 2015. The 2014 Mike Josey Memorial Scholarship was awarded to Chapman Tew, son of Aaron Tew of A-Team Kitchen and Bath Group. Chapman has a GPA of 3.8. He is currently dual enrolled at Crestview High School and Northwest Florida State College. At Crestview High School, he is the Senior Class President and the Student Government /Body President. Congratulations to Chapman!
2014 APEX Awards
On December 4th, the Building Industry Association of Okaloosa-Walton 16 — The Voice — January 2015
Counties presented the prestigious APEX Awards. Since 1999, the APEX Awards have annually recognized the “Achievement of Professional Excellence” by its members in a number of categories which include many of the crafts, trades and professions involved in the homebuilding and remodeling industries, as well as citing companies and individuals who support and enhance the industry. Judging for categories in the APEX Awards is done by an independent panel of judges from outside the local area who have a wide range of expertise in many aspects of the industry. The judges do not score the entries in competition with one another, but instead rate them against a standard of “Excellence”. Consequently, there may be more than one award presented in the same category or the judges may elect to present no awards at all in a category. Below is a list of our winners: Category – Kitchen: A-Team Kitchen and Bath Group (Two Awards) Category – Special Purpose Room: A-Team Kitchen and Bath Group Category – Home Design Elements: A-Team Kitchen and Bath Group Category – Remodeling Residential: DKM Custom Homes Category – New Construction Residential: DKM Custom Homes (Four Awards) Babin Builders and Development Category – Energy Efficiency: Gordon Air Conditioning Congratulations to all of our winners!
2014 Builder and Associate of the Year The 2014 Builder of the Year, Bobby Fisher of Arthur Rutenberg Homes, is a person who has truly given his time and talents for the betterment of the building industry and the BIA. He was engaged on a state and local level; recently he with other members of the BIA were able to stop a transportation impact fee in the City of Crestview that would have cost builders nearly $2,000 per new home built, is a Life Spike with over 200 Spike Points and was the builder of the 2014 Emerald Coast Dream Home. The 2014 Associate of the Year, Joe Nacchia of Homes and Land Magazine, has worked quietly behind the scenes of the BIA. From the NAIL Drivers Golf Tournament, Parade of Homes, Sporting Clay Tournament and even membership
recruitment, Joe has promoted and celebrated the accomplishments of the BIA and its members. Congratulations to Bobby and Joe!
Previous winner Eric Babin, Babin Custom Builders, with 2014 winner Bobby Fisher
Joe Nacchia, 2014 winner, with previous winner Carmela Bell, Resort Quest
BIA MEMBERS: Send us YOUR employee and new product/new service news and we will publish it in this section. Send to: cs@emeraldcoastpubs.com Deadline for April issue: March 13th
Visit us on Facebook Building Industry Association of Okaloosa and Walton Counties, Inc.
Follow us on Twitter @BIAOW
Either Way, You’re Still Paying a Mortgage There are some people who have not purchased a home because they are uncomfortable taking on the obligation of a mortgage. Everyone should realize that, unless you are living with someone rent free, you are paying a mortgage - either your mortgage or your landlord’s mortgage. As a paper from the Joint Center for Housing Studies at Harvard University explains: Also, if you purchase with a 30-year fixed rate mortgage, your ‘housing expense’ is locked in over the 30 years for the most part. If you rent, the one guarantee you may have is that your rent is likely to increase over that same 30-year time period. As an owner, the mortgage payment is a “forced savings” which will allow you to have equity in your home you can tap into later in your life. As a renter, you guarantee the landlord is the person with that equity.
The Bottom Line
Whether you are looking for a primary residence for the first time or are considering a vacation home on the shore, owning might make more sense than renting since home values and interest rates are still at historic lows.
Wilson Minger Agency, Inc. 1350 East John Sims Pkwy. Niceville, FL 32578 Toll Free: 800-369-2403
Patsy Bland Team
Patsy Bland, Realtor as Seen on HGTV 850.685.5447
Bill Bland 850.685.5446
Bob & Janeen Booker 850.865.6473
Michele Clark 850.376.8989
Debbie Lowmiller 850.217.6828
Integrity ~ Experience Dedication ~ Results
Buying or Selling... Go with the Winning Team!
“Households must consume housing whether they own or rent. Not even accounting for more favorable tax treatment of owning, homeowners pay debt service to pay down their own principal while households that rent pay down the principal of a landlord plus a rate of return. That’s yet another reason owning often does—as Americans intuit—end up making more financial sense than renting.” Information provided by: Waterstone Mortgage Renee Pugliese Sr. Mortgage Advisor NMLS# 388000 RPugliese@WaterstoneMortgage.com 850.803.2329
www.biaow.org — 17
NAHB Economics and Housing Policy The housing industry is recovering but nationwide the economic and housing activity has not yet returned to normal levels. The NAHB/First American Leading Markets Index (LMI) provides a measure of recovery for the nation and by metro area based on current permit, price and employment data.
percent of new and existing homes sold between the beginning of July and end of September were affordable to families earning the Crestview metro area median income of $62,800. Housing affordability in the Crestview metro area compares favorably to the national figure.
The November 2014 LMI shows that the nation is operating at 90 percent of normal economic and housing activity.
For a more detailed report, visit http://www.nahb.org/reference_list.aspx?sectionID=2694.
At the local level, the pace of recovery has varied markedly. The LMI estimates as of November 2014 that the Crestview metro area, which is comprised of Okaloosa and Walton counties, is operating at 85 percent of normal economic and housing activity. The graph shows Crestview metro area going way above normal in the 2004 to 2007 period then adjusting with a severe crash with only a minor recovery to date.
NAHB/First American Leading Markets Index (LMI)
Housing affordability is another important consideration. The key to housing affordability is that the market meets the needs of the people who provide services that are depended on such as teachers, police officers, firefighters, and health care workers. There are two critical components of housing affordability; income and housing costs. In the United States, 61.8 percent of new and existing homes sold between the beginning of July and end of September were affordable to families earning the U.S. median income of $63,900. The latest figure for the Crestview metro area estimates that 70.2
C.M. Taylor Contracting, Inc. Custom Home Builder New Construction & Remodels Commercial Build Outs Chris M. Taylor, President & Builder
A Part of the Construction Industry Since 1988
85 Garnet Place, Destin, FL 32541
850.830.3305 Chris@CMTaylorContracting.com 18 — The Voice — January 2015
CBC1253010 - Licensed & Insured
Associate Members ACCOUNTING/BOOKEEPING
Centennial Bank (850) 873-4182
Cabinets RRR Us (850) 424-3735
Coastal Bank & Trust (850) 837-6525
Designer Kitchen & Bath of NW Florida, Inc. (850) 835-1211
Community Bank, Coast (850) 423-1526
Home Interior Solutions of NWF, L.L.C. (850) 226-7065
Accent Signs (850) 729-7446
Eglin Federal Credit Union (850) 862-0111
Kitchen and Bath Center (850) 275-3100
Apex Broadcasting, Inc. (850) 424-7980
First City Bank (850) 244-5151
Linn's Prestige Kitchens (850) 862-6822
Homes & Land of the Emerald Coast (850) 650-1014
First Federal Bank of Florida (850) 830-3296
Lamar Advertising (850) 862-4343
First Florida Bank (850) 865-0488
The Petermann Agency (850) 243-5315
First Florida Bank (850) 269-1201
Carr, Riggs & Ingram, LLC (850) 337-3209
Nicholson, Reeder, & Reynolds, PA (850) 243-3176 ADVERTISING
AIR CONDITIONING & HEATING
Merrill Lynch (850) 269-7011
Cooling Services, LLC (850) 269-1964
MidSouth Bank (850) 362-7480
Four Seasons Air Conditioning (850) 243-2655
Mortgage One of the South (850) 796-2100
Gordon Air Conditioning & Associates (850) 682-5214
Regions Mortgage (850) 833-8143
Jordan Air Enterprises, Inc. (850) 678-2313
Security 1 Lending (850) 863-1600
One Hour Air Conditioning & Heating (850) 678-0021
Synovus Mortgage Corporation (850) 499-5627
AIR QUALITY
Bluewater Central Vacuum Systems (850) 420-6416
Trustmark National Bank (850) 654-9600
Cooling Services, LLC (850) 269-1964
Waterstone Mortgage Corporation (850) 830-9948
Four Seasons Air Conditioning (850) 243-2655
Waterstone Mortgage Corporation (850) 362-6901
Gordon Air Conditioning & Associates (850) 682-5214 APPLIANCE SALES & REPAIRS Ferguson Enterprises (850) 269-1993 GM Appliance (850) 650-9092
Mims Real Estate Advisors, LLC (850) 835-4444
ARCHITECT / HOME DESIGN / PRINTS
CareerSource Okaloosa Walton (850) 651-2315 Destin Chamber of Commerce (850) 837-6241 Florida PACE Funding Agency (850) 855-2682 Greater FWB Chamber of Commerce (850) 244-8191 Niceville Valparaiso Chamber (850) 678-2323 Okaloosa Habitat for Humanity (850) 315-0025
Coastal Brick, LLC (850) 729-2742
CLOSETS / STORAGE SYSTEMS
BUILDING MATERIALS Builders FirstSource (850) 835-1711
Emerald Coast Building Materials, Inc. (850) 471-6291
Partridge Design, LLC (850) 830-9513
Gatlin Lumber & Supply Co. (850) 243-9102 Interior Exterior Building Supply (850) 517-1167 L&W Supply (850) 433-6411
Bancorp South (850) 269-4320
Navarre Lumber & Supply, Inc. (850) 939-2550
BB & T (850) 460-3080
Niceville Cash & Carry, Inc. (850) 678-5186
Beach Community Mortgage (850) 315-4100
ProBuild South, LLC (850) 432-1421
CCB Community Bank (850) 682-0484
CIVIC ORGANIZATIONS
Accurate Painting of NWFL, Inc. (850) 689-2177
DCA Design + Construction (850) 226-8565
BANKING / FINANCE
LesGo Personal Chef Services (850) 862-7379
BRICK CONTRACTORS / SUPPLIERS
Crestview Wholesale Bldg. Supply, Inc. (850) 682-5624
Sound Decision, LLC (850) 376-6095
CATERING
CLEANING - RESIDENTIAL / COMMERCIAL
B. Design of Destin, Inc. (850) 650-8221
AUDIOVISUAL
Jones Carpet One (850) 863-3239
Bathcrest of NW Florida, Inc. (850) 864-2284
Mims Real Estate Advisors, LLC (850) 835-4444 BLUE
House of Carpets, Inc. (850) 243-6832
Walton Area Chamber of Commerce (850) 267-0683
BROKERS
APPRAISALS
Coastal Carpet & Tile Carpet One (850) 269-0303
BATHTUB REFINISHING & REPAIR
Keego Clay Products (850) 664-2253
Linn's Prestige Kitchens (850) 862-6822
CARPETING / FLOORING
CABINET SALES / INSTALLATION
Paradise Closets and Storage, LLC (850) 217-4357
COMMUNICATIONS - CELLULAR / RADIOS CenturyLink (850) 599-1821
CONCRETE CONTRACTORS / SUPPLIERS Advanced Concrete Supply, Inc. (850) 301-0306 Fort Walton Concrete, Inc. (850) 256-4112
CONSTRUCTION MANAGEMENT JBG Consulting Services, Inc. (850) 420-2738 COUNTERTOPS Classic Design (850) 502-3810
World Stone and Design, LLC (850) 235-0399 DEVELOPERS
Destin Custom Homebuilders, LLC (850) 337-8000 Kolter Homes (561) 682-9500 Sunset Point Development, Inc. (850) 862-3814
A-Team Kitchen and Bath Group (850) 682-2465
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Associate Members DOORS / MILLWORK / WINDOWS
FLOORING
INSURANCE / BONDING
Majors Home Improvement, Inc. (850) 983-2899
House of Carpets, Inc. (850) 243-6832
Gilmore Insurance & Bonding (850) 244-3387
Gatlin Lumber & Supply Co. (850) 243-9102
ProBuild South, LLC (850) 432-1421 Southeastern Sash & Door (850) 664-5252
DRYWALL CONTRACTORS / SUPPLIERS Cemex (850) 243-5117
Emerald Coast Building Materials, Inc. (850) 471-6291 Jimmy Feagins Painting (850) 685-0218 L&W Supply (850) 433-6411 DUMPSTERS
Johnny on the Spot Toilet Rentals, Inc. (850) 682-4877 EDUCATIONAL INSTITUTIONS Northwest Florida State College (850) 863-6501 ELECTRICAL CONTRACTORS Casey Electric, Inc. (850) 682-3037 Kea-Ash, Inc. (850) 956-4702 Richardson Enterprises (850) 678-2584 Ronco Electric Service, LLC (850) 837-7979
EMERGENCY POWER SYSTEMS Auxiliary Power Systems, Inc. (850) 475-8724 EMPLOYEE BENEFITS Legacy Insurance (850) 682-2519
EMPLOYMENT SERVICE - PAYROLL / ADMINISTRATION / TEMPORARY Progressive Employer Management Company (850) 380-3742 ENGINEERS - CIVIL / CONSTRUCTION / CONSULTANTS DRMP, Inc. (850) 460-3262
Gustin, Cothern, Tucker & Assoc. (850) 678-5141 EQUIPMENT RENTAL United Rentals, Inc. (850) 430-1815 United Rentals, Inc. (850) 863-0174
EXECUTIVE OFFICES Regus (850) 269-6802
FIRE PROTECTION CONTRACTOR
Advanced Fire Protection Services, Inc. (850) 244-2026
FIREPLACES - SALES / INSTALLATION Hearth & Fireplace Creations (850) 729-1234 Keego Clay Products (850) 664-2253
Coastal Carpet & Tile Carpet One (850) 269-0303
GARAGE DOORS
Absolute Storm Protection (850) 244-0039 HomeTown Garage Doors, LLC (850) 398-5197 Overhead Door of NW FL (850) 269-1066 GAS PIPE INSTALER
Okaloosa Gas District (850) 729-4724 GLASS / MIRRORS Destin Glass (850) 837-8329
Fisher-Brown Insurance (850) 982-7300
Insurance Zone (404) 312-4143 Legacy Insurance (850) 682-2519 Mosley Insurance, Inc. (850) 337-1372 Niceville Insurance Agency (850) 729-2131 Norton Insurance of Florida (850) 244-1574 Waldorff Insurance & Bonding (850) 581-4925
INTERIOR DESIGN / DECORATING
GRANITE
Defined Interiors, Inc. (850) 934-7776
Classic Design (850) 502-3810 World Stone and Design, LLC (850) 235-0399
Save the Date 2015 January 7 Florida Home Builders Area 1 Meeting
January 14 Economic and Housing Breakfast February 6 OSHA 10 Training Class
March 7 & 8 BIA Home Show Emerald Coast Convention Center June 6 – 14 Parade of Homes July 16 – 18 SEBC, Orlando
October 10 Mike Josey Memorial Sporting Clay Tournament, Shoal River Sporting Clays and Shooting Center
December 3 BIA Board Installation & Holiday Party GREEN CERTIFIER - ACCREDITED Okaloosa Gas District (850) 974-7019
GUTTERS AND DOWNSPOUTS
Architectural Gutter Systems, LLC (850) 226-6133
INSPECTIONS (CONSTRUCTION) Professional Inspection Enterprises (850) 830-0127 INSULATION - FOAM / OTHER
Home Interior Solutions of NWF, L.L.C. (850) 226-7065 Sugar Beach Interiors (850) 837-5157 INVESTMENTS
LPL Financial Services (850) 398-8188 KITCHEN & BATHS
At Home Contracting, Inc. (850) 650-4663 A-Team Kitchen and Bath Group (850) 682-2465 Designer Kitchen & Bath of NW Florida, Inc. (850) 835-1211 GM Appliance (850) 650-9092 Kitchen and Bath Center (850) 275-3100 Linn's Prestige Kitchens (850) 862-6822
LAND PLANNERS / SURVEYORS DRMP, Inc. (850) 460-3262
LA Land Surveying, LLC (850) 699-9135
LANDSCAPING & IRRIGATION
Pipeline Landscaping & Irrigation, Inc. (850) 803-1867
LENDING / MORTGAGE / HOME FINANCING BB & T (850) 460-3080
Beach Community Mortgage (850) 315-4100 Centennial Bank (850) 873-4182 Community Bank, Coast (850) 423-1526 First City Bank (850) 244-5151 First Federal Bank of Florida (850) 830-3296
Gulf Coast Insulation, LLC (850) 685-9709
Mortgage One of the South (850) 796-2100
Panhandle Insulation (850) 897-8500
Prime Lending (850) 609-1011 Regions Mortgage (850) 833-8143
20 — The Voice — January 2015
Associate Members Synovus Mortgage Corporation (850) 499-5627 University Lending Group (850) 586-7070 Waterstone Mortgage Corporation (850) 830-9948 Waterstone Mortgage Corporation (850) 362-6901 MARKETING
REAL ESTATE SERVICES / HOUSING DATA Century 21 Wilson Minger Agency (850) 376-8989 Century 21 Wilson Minger Agency (850) 685-5447 Century 21 Wilson Minger Agency (850) 678-5161 Emerald Coast Association of Realtors (850) 243-6145
Builders Digital Experience (954) 661-5301
ERA American Real Estate (850) 865-1207
The Petermann Agency (850) 243-5315
ERA American Realty of NWF (850) 651-2454
METAL FRAMING Cemex (850) 243-5117
METAL ROOFING
Destin Roofing, Inc. (850) 837-2645
OFFICE EQUIPMENT / COPIERS / PRINTERS Copy Products Company (850) 243-2679 OUTDOOR KITCHENS
Designer Kitchen & Bath of NW Florida, Inc. (850) 835-1211 PAINTING CONTRACTORS
Accurate Painting of NWFL, Inc. (850) 689-2177 Jimmy Feagins Painting (850) 685-0218 PAINTING SUPPLIES Sherwin Williams (850) 534-0741 Sherwin Williams (850) 650-4334
PEST CONTROL
Florida Pest Control (850) 243-7166 Southland Pest Service, Inc (850) 862-1544
PLUMBING CONTRACTOR / SUPPLIES Amore Plumbing Company, Inc. (850) 994-8814 Ferguson Enterprises (850) 269-1993
POOLS / HOT TUBS / SPAS
Blue Haven Pools on the Gulf, LLC (850) 932-2600 Cox Pools (850) 234-7800
PORTABLE TOILETS
Johnny on the Spot Toilet Rentals, Inc. (850) 682-4877 PROMOTIONAL ADVERTISING A2Z Specialty Advertising, Inc. (850) 654-3080 The Trophy Center, Inc. (850) 862-8413 PUBLISHING
Homes & Land of the Emerald Coast (850) 650-1014 RADIO
Apex Broadcasting, Inc. (850) 424-7980
First National Land Title (850) 862-2143 Jan Hooks Real Estate Group, Inc. (850) 585-2677 ResortQuest Real Estate (850) 837-3700 REFRIGERATION
Jordan Air Enterprises, Inc. (850) 678-2313
REMODELING / IMPROVEMENTS 1st Choice Home Improvements (850) 476-8887
Affordable Home Improvement of the Emerald Coast (850) 862-6766 At Home Contracting, Inc. (850) 650-4663 A-Team Kitchen and Bath Group (850) 682-2465 Bathcrest of NW Florida, Inc. (850) 864-2284 Cox Pools (850) 234-7800 Jones Carpet One (850) 863-3239 Kitchen and Bath Center (850) 275-3100 Linn's Prestige Kitchens (850) 862-6822
RENEWABLE ENERGY SOLUTIONS Jordan Air Enterprises, Inc. (850) 678-2313
ROOFING CONTRACTORS / SUPPLIERS Destin Roofing, Inc. (850) 837-2645
SIDING - CONTRACTORS / SUPPLIERS
Affordable Home Improvement of the Emerald Coast 850) 862-6766 SIGNS
Accent Signs (850) 729-7446 The Trophy Center, Inc. (850) 862-8413
SOLAR & WIND ENERGY Compass Solar Energy (850) 439-0035
STORM PROTECTION PRODUCTS Absolute Storm Protection (850) 244-0039
Hometown Contractors, Inc. (850) 863-7880 SURVEYORS
Gustin, Cothern, Tucker & Asso. (850) 678-5141
TRIM CARPENTRY & FRAMING Lee Smith Construction (850) 865-5399
TRUSSES - FLOORING / STEEL / WALLS Builders FirstSource (850) 835-1711
UNDERGROUND UTILITIES & EXCAVATION CHELCO Services, Inc. (850) 333-9405 Gulf Power Company (850) 689-4630 UTILITIES
CHELCO (850) 892-5069 CHELCO Services, Inc. (850) 333-9405 Cox Communications (850) 857-4586 Gulf Power Company (850) 689-4630 Okaloosa Gas District (850) 729-4724 Okaloosa Gas District (850) 974-7019
VACUUM SYSTEMS (CENTRAL)
Bluewater Central Vacuum Systems (850) 420-6416
Tri-State Roofers, Inc. (850) 217-8688
VINYL SIDING
At Home Contracting, Inc. (850) 650-4663
WARRANTIES - HOME / CALL BACK MGMT
SCREENS / FLORIDA ROOMS
Hometown Contractors, Inc. (850) 863-7880 Tri-State Industries (850) 581-5855
SECURITY - LOCKS / SAFES / SYSTEMS Sound Decision, LLC (850) 376-6095 SHELVING
Paradise Closets and Storage, LLC (850) 217-4357
SHUTTERS - DECORATIVE / HURRICANE Solar Sunsations, Inc. (850) 687-0646
Hallmark Distributors, Inc. (850) 863-3280
Bonded Builders Risk Management (866) 440-7271 WATER SERVICES
Culligan Water Services, Inc. (850) 664-7771
WINDOW TINTING / REPLACEMENT / TREATMENTS Made in the Shade of Destin (850) 460-2077 Overhead Door of NW FL (850) 269-1066 Solar Sunsations, Inc. (850) 687-0646 The Fabric Source (850) 837-5252
www.biaow.org — 21
• Custom Seamless Gutter Systems & Designs • Half Round Galvalum & Copper • Drainage Solutions Underground, Erosion Control, Eco-Friendly Solutions
• Screen Room Installation Covered Patio Areas, Gazebos & Garages
Installations come with Lifetime Warranty* *Outisde mother nature’s disasters
Factory Paint Jobs come with 20 Year Warranty SERVING OKALOOSA, WALTON & SANTA ROSA COUNTIES Member of Okaloosa Walton Building Industry Association & Ft. Walton Beach Chamber of Commerce
Family Owned & Operated Since 2008 Eric Lewis, Owner/Operator
850.226.6133 www.ArchitecuralGutterSystems.com