Keystone Builder - Jan/Feb 2007

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J.H. Brubaker, Inc. Lezzer Lumber MRD Lumber Co. Strober-Haddonfield Group All Locations All Locations Both Locations Easton 800-723-5546 www.lezzerlumber.com 570-366-0578 610-252-6190 800-326-9562 Kohl Building Products Shelly’s Lumber The Lumber Yard All 8 Locations Moyer Lumber Building Supplies All Locations www.kohlbp.com Bethlehem All Locations www.thelumberyard.com 800-578-5645 610-868-2010 215-723-5108

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Builder Briefs

PBA joins Realtors to oppose realty transfer tax hike

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BA and the state Realtors association this week announced their opposition to a proposed 1.39 percent increase of the realty transfer tax. The Pennsylvania Transportation Funding and Reform Commission proposes the realty transfer tax hike, along with other revenue sources, to raise nearly $1.7 billion for the state’s transportation systems and mass transit. PBA opposes placing a tax burden on a select group of taxpayers — those buying homes — regardless of whether the money is used for transportation, public education or municipal services. Contact your field service director for more information.

Gov. Rendell signs Visitability bill into law PBA representatives were on hand when Pennsylvania Gov. Ed Rendell signed Senate Bill 1158, the Residential Visitability Design Tax Credit, into law Oct. 28, 2006. PBA supports the new law, because the tax credits it provides will encourage remodeling and homebuilding in ways that improve access to disabled people. The tax credits, which are optional for local municipalities to enact, could reach up to $2,500. Both the state House and Senate had voted unanimously to pass the bill.

UCC Building Inspections May be Performed by Any Certified Construction Code Official The Commonwealth Court issued an important decision Dec. 6, reversing a decision by the Court of Common Pleas of Fayette County. The Commonwealth Court ruled that North Union Township’s refusal to recognize building inspections by a state certified inspector other than the municipality’s contracted inspector was not in keeping with the intent of the Pennsylvania Construction Code Act. The court ruled that although the act allows municipalities to hire certified construction code officials or third-party agencies for “administration and enforcement,” the act does not prohibit any state certified inspector from performing code inspections, which are separate and distinct from the administration and enforcement of the act and regulations. The court noted that accepting inspections from any certified construction code official in good standing benefits builders by ensuring the availability of qualified inspectors. It’s expected that the Commonwealth Court ruling will be appealed to the State Supreme Court.

Shopping online? Start with PBA Whatever the occassion, PBA’s online store has the perfect gift for homebuilders and contractors. Visit PBA’s online bookstore for 2006 editions of the Uniform Construction Codes, which take effect for building contracts signed after Jan. 1. PBA’s store offers unique association merchandise like shirts and mugs. Finally, shop through PBA’s web site using the PBA Mall. All three choices offer convenient shopping, are open 24 hours a day and are available from your computer in the comfort of your own bathrobe and slippers.

I Keystone Builder • January/February 2007

Code officials deny fire sprinkler mandate Building industry experts denied proposals to require sprinklers in single-family homes, duplex homes and townhouses during 11 days of public hearings that ended Oct. 1, 2006. Code officials did approve changes that simplify and improve framing requirements in the International Residential Code. The National Association of Home Builders praised the board’s actions that will keep housing safe and affordable.

Volunteers needed to help shape ‘impact fee handbook’ PBA is seeking members to volunteer to serve on a committee that will advise the state Department of Transportation about the creation of a transportation impact fee handbook and model ordinance. The handbook will guide municipal officials through the process of considering and possibly establishing transportation impact fees. If you are interested in serving, please contact Keith Ashley at PBA at (800) 692-7339, ext. 3013, or by e-mail at kashley@pabuilders.org. s

April 18-20, 2007

Atlantic City Convention Center Atlantic City, NJ

EARN EDUCATIONAL CREDITS AT ABC! It’s easy! It’s convenient! Register online at www. abconvention.com to earn AIA Credits through the American Institute of Architects Accreditation Courses or NAHB Credits through the National Association of Home Builders Accreditation Courses (NAHB) being offered at the Atlantic Builders Convention (ABC). All courses are open to all attendees! Architects, Builders, Contractors, Remodelers and more!

WEDNESDAY – April 18, 2007 Air Barriers for Commercial Building Enclosures Coastal Performance/Design Pressure Storm Protection for the Luxury Home Stucco AIA: Demonstration: 2:00 pm – 3:00 pm Exhibit Show Floor (Demo Area) Window Installation THURSDAY – April 19, 2007 EIFS with Drainage Demonstration: 2:00 pm – 3:00 pm Exhibit Show Floor (Demo Area)

Expand Your Line, Increase Profits, With Vinyl Window Wells UÊ >ÃÞÊÌ Ê ÃÌ> UÊÎäÊ9i>ÀÊ7>ÀÀ> ÌÞ UÊ iiÌÃÊ

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Enlightened Spaces Luxury Fenestration Ideals New - Vinyl Siding for Exterior Design Windows, Energy & Green Building FRIDAY – April 20, 2007 How To Prevent Moisture Penetration in Manufactured Stone Veneer New Choices in Decking: Composite Decking and Rails Residential Elevator Applications Safety Glazing 101 Stucco AIA: Demonstration 12:00 pm – 1:00 pm Exhibit Show Floor (Demo Area) Window Replacement

WEDNESDAY – April 18, 2007 OSHA Wants YOU and Your Workers to Stay Safe! 10 Hour Completion Card & Certificate will be issued to all participants Advance Registration Required THURSDAY – April 19, 2007 Success in a Multicultural Housing Market 8 Hour Completion Certificate will be issued to all participants Advance Registration Required

Atlantic Builders Convention

For more information visit: www.abconvention.com or call 609-587-5577

3 Styles • Any Size Optional Caps

58th Annual Atlantic Builders Convention

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January/February 2007 • Keystone Builder

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PBA President Steve Black (left) and Executive Vice President David Martin (center) meet with former Pennsylvania Speaker of the House John Perzel.

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I Keystone Builder • January/February 2007

stephen black Continued from page 8

Now a member of the York, Harrisburg and Lancaster local associations, Black joined the Building Industry Association of Lancaster County in 1990, for which he completed the officer track, serving as secretary, vice president and president. He also served as chairman of the insurance task force and the Parade of Homes committee and was a member of the education committee. He later joined the Builders Association of Metro Harrisburg, for which he also served as the Parade of Homes committee chairman. He participates in the Harrisburg and York remodelors councils. Black’s local involvement set the roots that grew into his PBA involvement in Continued on page 13

Stephen Black checks on one of his homes near Harrisburg.

Defining the Future of Modular Construction

More than 35 years of modular construction experience Recognized as a technical innovator in modular structure manufacturing Has produced more than 12,000 custom designed homes and commercial structures including: • single-family homes • offices • condominiums • motels • education centers • medical clinics • convenience stores • dormitories

Quality will always be key at Haven Homes. S E RV I C E A R EA S : VT, NH, NY, MA, RI, CT, NJ, PA, OH, DE, MD, VA, WV, NC, SC, GA, FL

Haven Homes Inc. 570 962 2111 • fax 570 962 3181 www.havenhomes.com • email: info@havenhomes.com 554 Eagle Valley Road • Route 150 • P.O. Box 178 Beech Creek, PA 16822

January/February 2007 • Keystone Builder

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I Keystone Builder • January/February 2007

Continued from page 11

2000. Black served on PBA’s board of directors, executive committee, public relations/public affairs committee and work force development committee. He’s also been an active part of the growing and engaging developers council. “As a regional vice president and senior officer, Steve has always spoken his mind at the executive committee meetings and senior officer meetings,� Conner said. “Steve will stand his ground when he has an opinion on what’s best for the membership.� Black sums up his vision for PBA in four words: “Working together with you.� He said this means being a democratic organization that is responsive to its members. “I aim at providing our members all the tools they need to be successful. Whether that be working with banks or other companies to form coalitions or PBA’s web site, www.pabuilders.org, to share valuable business information,� Black said. “We must do a better job of giving our members what they need to be productive. We recently approved a new strategic long-range plan for PBA, and I will work hard to ensure we work toward carrying out the plan. “The developers council gives us a unique opportunity to come together and learn from our peers,� Black said. “PBA schedules expert speakers for the developers council, allowing us to get answers from trusted sources — an opportunity not available anywhere else.� One of the association’s most vital roles is its advocacy on behalf of the state’s housing industry to state government. Black understands the democratic dynamics of PBA’s government affairs initiatives, which rely heavily on member input and support. “Our members see the value in lobbying efforts,� Black said. “We need a say in legislation that affects housing costs and the way we do business. When the legislature makes decisions about how we will build in the future, we need to help them understand our perspective.� A few years back, limited sewage capacity delayed the completion of the final homes in one of his developments that received municipal approval years before. Based on this experience, he cast a wary eye on the state Department of Environmental Protection’s Chesapeake Bay Tributary Strategy,

which places strict limits on nutrients that sewage treatment plants may release into waterways that drain into the bay. Many builders fear that the cost of sewage capacity will grow as plant operators scramble to make improvements to meet limits for nitrogen and phosphorous in discharge. Some developers fear that the system for trading nutrient credits will not offer long-term solutions that would allow for residential development needs. “I have a real concern about the strategy,� Black said. “We know all the parameters

and issues, so we must get them addressed ahead of time, before the supply of permits dries up.� Without changes to the strategy, Black says, “This has the potential to put a lot of builders out of business.� That potential is yet unrealized, thanks in part to PBA’s lobbying work during 2006. Because many members step forward for task forces addressing vital issues on behalf of the industry, builders’ perspective is heard by legislators and other government officials. In 2007, PBA’s president hopes members will see how PBA is always “working together with you.� s

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January/February 2007 • Keystone Builder

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Homeowner Ed

Teach consumers to avoid problems with proper septic system care by Nikki Brand uilders in many parts of Pennsylvania are forced to install septic systems for on-site sewage treatment in areas where municipal sewage systems are unavailable. Analysts predict that these installations may become even more common in response to limits on municipal sewage systems stipulated by the Chesapeake Bay Tributary Strategy. Builders can help new homeowners protect the environment and keep their sewage treatment system operating properly by offering them a few tips. Builders should make sure their clients understand where their septic tank, diversion box and soil absorption system are located. People moving into homes that aren’t landscaped should be aware that they should not plant trees or shrubs over, or close to, the septic system. When the roots of trees or shrubs begin to grow, they may disrupt the system or cause tanks to crack. They also should not put additional soil fill over the soil absorption system area. Increasing the depth of soil over the leach field limits the infiltration of air into the soil needed by the microorganisms to interact with wastewater. Knowing the location of all parts of the system can also help homeowners build decks, pools, garages or sheds away from the soil absorption system area. Construction activity can compact the soil, and the structures limit access to the leach field for maintenance. Builders should let their clients know that nothing needs to be done to “jump start” a septic tank. Once homeowners start contributing waste to the tank, the bacteria in that waste will start decomposing the materials. It is a myth that chemicals, or products such as yeast, should be placed into a new tank after it is installed. Above all else, homeowners must understand the need to have their septic tanks pumped. The solid matter and scum septic tanks accumulate should be pumped every three to five years. The frequency of pump-

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I Keystone Builder • January/February 2007

ing depends upon tank size and household size. Larger households generally require more frequent pumpings (every one or two years). For more information on the recommended frequency of pumpings, homeowners can contact their local agency (normally their local township) sewage enforcement officer or the Pennsylvania Department of Environmental Protection. Builders can also offer their clients the following tips for maintaining their septic tanks: • Conserve water and reduce the waste that flows into the septic tank. Septic systems collect wastewater from sources such as sinks and bathtubs. Reducing wasteflow can be done in several ways, including only using the washing machine or dishwasher when fully loaded and using the garbage disposal sparingly. • Never put chemicals in the septic system. Although chemicals and additives are sold in stores, it is not true that chemicals can be placed in the system in place of pumping it. • Do not use the toilet to dispose of bulky, slowly decomposing wastes. This includes items such as sanitary napkins, paper towels, plastics, eggshells or coffee grounds, because they can clog the system. • Do not allow products to go down household drains that could kill the bacteria that is needed to decompose the waste in the septic system. These substances include oils and grease, gasoline, antifreeze, varnishes, paints, solvents and pesticides. Potentially damaging cleaning products include harsh drain and toilet bowl cleaners, laundry detergents that contain elements that make it create more suds than the average detergent and bleach. • Inspect the septic tank, pipes and drainage field annually. • Maintain accurate records of the septic system (design, installation, loca-

tion, inspections, when it is pumped, malfunctions and repairs). • Prevent run-off from downspouts, sump pumps and paved surfaces from getting into the septic system. • Keep heavy vehicles, equipment and livestock away from the septic system. Failing to properly maintain a septic system can contaminate surface and groundwater, causing various health problems and spreading disease. It can create a mess and cause foul odors when raw sewage surfaces or backs up into the home. Builders can also share with clients tips on how to determine that their septic system may need some attention. Some repairs to septic tanks can be done from the outside, but if not, homeowners should never enter a septic tank, as they contain deadly toxic gasses. It may be best for homeowners to contact a professional if they notice these problems: • Toilet runs sluggishly. • Sewer odors in the house and/or drinking water. • Illness, often to household visitors. • Sponginess around septic tank, distribution box or dosing tank and absorption area. • Dosing pump runs constantly or not at all. • Dosing tank alarm light is on. Maintaining a septic system will prevent many malfunctions from occurring. Backs-ups into a home can be caused when the soil gets clogs of sewage solids from a septic tank that has not been maintained. Once the sewage backs up, the damage is already done — fixing the problem is not just a matter of pumping the tank. Septic systems can last 20-30 years if well maintained. For additional information on tips to give homeowners, builders can search on the Pennsylvania DEP web site, www.dep.state.pa.us. s

MemberInsider January/February 2007

Member briefs

PBA helps demonstrate Pennsylvania’s healthy housing economy

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ome news stories focused on the national housing market are painting the current housing economy as one that has gone from boom to bust. While it is true that home sales in 2004 and 2005 were extraordinary, it’s equally true that current homes sales in Pennsylvania are quite solid. That becomes evident when you compare the number of building permits issued during the first six months of 2006 with those from the same period in 2003, which was considered a strong year for new home sales. What seems to be missing in some reporting on the housing industry is a lack of perspective. Yes, numbers are down from the last two record-setting years. But the building and sales pace of those years were far from normal. What we’re seeing this year is a return to normal sales performance. This should not be reported as a housing slump, because, in fact, the statistics for the industry are clearly quite good. In fact, expectations are that the numbers for 2006 will be rivaled only by those from 2004 and 2005, which is impressive. In the interest of keeping journalists well informed on this issue, PBA joined three local associations from the greater Philadelphia area to provide accurate information “from the front lines.” PBA distributed a news release about the status of the market, along with fact sheets and other resources for reporters. In addition, local and state association staff have both reached out and responded to news reporters regarding the state of the housing market.

Members needed for task force examining open space, farming operations preservation PBA adopted updated policies about preserving open space and protecting farming operations during its board meeting Nov. 11. The board also approved a motion to establish a task force concentrating on these issues. PBA Immediate Past President Brad Elliott has called for volunteers for a task force that will study how the association should implement the recommendations from these policies. To volunteer, please contact Amy Parr at (800) 692-7339, ext. 3004, or by e-mail at aparr@pabuilders.org. s

For more information, contact Scott Elliott, PBA director of public administration and public affairs, at selliott@pabuilders.org or (800) 692-7339, ext. 3010.

Membership jumps with local support of fall campaign Members from nine local builders associations netted nearly 500 new members, a 19-percent increase among participating locals, during the fall Pennsylvania Member Drive, completed Oct. 24 and 25. Participating locals included Lackawanna HBA, Carbon BA, Blair County BA, BIA of Northeastern PA, HBA of Chester and Delaware Counties, Mercer County HBA, Berks County BA, Pike County BA and West Branch Susquehanna BA. The Pike County BA gained 85 new members, representing a 53-percent increase in members during the fall member drive. In both total new members and percentage increase, Pike led all participating locals during the drive that netted 492 new members for PBA. The HBA of Berks County had the second-largest gain with 82 new members. PBA supported local associations whose leaders decided to participate in the two member drives this year. The May Madness member drive added 806 members to 12 participating local associations. Led by the strength of the two membership drives and other initiatives, PBA added 2,317 members since Jan. 1.

Township appeals decision that struck sprinkler requirement Schuylkill Township supervisors filed an appeal in Commonwealth Court following an Aug. 29 decision in Chester County that struck down an ordinance exceeding the Uniform Construction Code. PBA has led the fight against unneeded local ordinances that exceed the code. During the ICC meeting, construction and safety experts voted earlier this month to deny changing the building code to require fire sprinklers in new homes, continuing their previous decisions. PBA eagerly awaits a hearing date from the court in this important case that could set a legal precedent regarding fire sprinkler requirements. Continued on page B Member Insider • Keystone Builder

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member briefs Continued from page A

Homebuilders increase support during 2005-2007 election cycle

Workers’ compensation program exceeds goal, nets local associations $80,000

The homebuilding industry supported candidates in the 2005-2006 federal election cycle with more than $6.5 million in contributions, according to reputable election watchdog OpenSecrets. Political action committees like NAHB’s Build PAC accounted for about $2 million of the total during this twoyear cycle. Homebuilders contributed to Republican candidates by a margin of 3 to 1. The current totals are the highest for a midterm election, exceeding $6 million for the first time. In comparison, the presidential election cycle of 2003-2004 generated more than $10 million in support from homebuilders. Build PAC considers input from Pennsylvania’s NAHB members in deciding which candidates it will support. While Build PAC supports campaigns for federal office, the Pennsylvania Coalition for Affordable Housing supports candidates for the state legislature. PBA members contributed more than $335,000 to PaCAH in 2005-06, breaking a record. Members also donated about $270,000 in direct contributions to candidates for state office.

More PBA members are seeing the advantages of participating in the association-endorsed workers’ compensation program. Annualized premiums for the program are now nearly $8.5 million. This member involvement in the program will lead to a return of $80,000 in direct reimbursements to participating local associations. Several new accounts also have saved members more than $10,000. For more information, contact the program administrator, E. K. McConkey and Company, at www.ekmcconkey.com/pba.htm or call Tisha O’Donnell, the PBA workers’ comp program coordinator, at (717) 505-3153.

Builders stand to benefit from permit ‘fast-track’ option The state Department of Environmental Protection announced that it has created an optional fast-track process in which builders may hire DEP-approved engineering firms to review their environmental permits. Builders choosing this process — at their own expense — will receive fast-track review by state regulators. This is one of the department’s recently released four initiatives tied to their stormwater and erosion and sedimentation control program. For more information, contact Keith Ashley, PBA environmental and regulatory specialist, at (800) 692-7339, ext. 3013, or by e-mail at kashley@pabuilders.org.

I Keystone Builder • Member Insider

PBA board of directors approves budget with dues increase PBA’s board of directors voted Nov. 11, 2006, to adopt the association’s 2007 budget that includes a $10 dues increase. The $10 is the third increase in a planned 5-year dues increase structure to support the association’s strategic plan. As in prior years, PBA dues includes $10 earmarked for the Industry Action Fund, which is used to fund legal challenges supporting homebuilding.

Dues may be deducted as a business expense PBA members may deduct $69.15 of their $115 PBA dues when filing their income taxes for 2007. Dues are not deductible as a charitable expense, but the specified portion may be used as a business expense for some taxpayers. A portion of NAHB dues is also deductible in some cases. Please see your field service director for more information. s

Sign up today for PBA’s Member Rebate Program

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o one likes to leave money on the table. So, what would you think if you could get a rebate for your loyalty to many of the nation’s leading housing industry manufacturers? Well, now you can! We’re happy to introduce the PBA Member Rebate Program, aimed at increasing your bottom line. For the minimal effort of informing us about the products you use and telling us when you close on a home, you’ll be putting money back in your pocket. When you participate in the PBA Member Rebate Program, you can count on receiving checks every quarter! This program is only available to current PBA members.

Benefits of participating The biggest perk? Money. Cold, hard cash. And all for just remaining loyal to many of the country’s leading manufacturers you already use in all of your homes. Lump-sum checks for closed homes are mailed quarterly.

No need to change your business practices Besides the money, the next-best part of the program is that it relies on very little from you and doesn’t change the way you conduct business. Best of all, you do NOT have to change the way you currently buy. We do the paperwork, collect the money and mail you the quarterly checks directly!

How to register Obtaining the benefit for your loyalty couldn’t be easier. You may register online at http://memberrebateprogram.pabuilders.org or call PBA at (800) 692-7339 to request a brochure with registration form.

Detailed manufacturer information available You will be sent a Manufacturer Guide that details the information that is needed per home from the manufacturers you have used. s

Participating Companies 180 Connect Bradford White Corporation Bryant Heating & Cooling Systems Carrier CertainTeed Daltile Duron

Heat & Glo Heatilator Honeywell Jacuzzi Moen Progress Lighting Sherwin Williams Wolverine Siding Systems

Frequently Asked Questions Do I have to change the way I do business? You don’t need to! You still utilize the same suppliers and continue conducting your business as usual. The only requirement to qualify for a rebate is that you use two of our manufacturers.

What if my subcontractors buy supplies and materials? The manufacturers are rewarding loyalty with these rebates. If you are specifying the product to your subcontractors, then you are affecting the sale and therefore qualify for the rebate.

Must I agree to use all participating manufacturers? No. In fact, a builder only needs to use two of our manufacturers to qualify for a rebate.

Do I have to save and submit my receipts? There are no receipts necessary to process your rebate claim. We have made the rebate program as simple as possible. Instead of receipts, we use our manufacturers’ salespeople in your area to check that their products were used.

Why do manufacturers want to reward me? Manufacturers recognize that the small-to-midsized builder is the largest segment of the building industry, and they are rewarding those builders with rebates through PBA.

Is my company big enough to qualify? Yes! As a PBA member, you have the combined buying power equivalent to a Top-10 builder.

What if I don’t renew my association membership? This program is a members-only benefit. If you leave PBA, you are no longer able to participate. s Member Insider • Keystone Builder

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Learn more about this exciting product at www.techtrimproducts.com/pan or call 888-878-8023.

PBA Benefits Trust introduces new insurance program

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ennsylvania Builders Association Benefits Trust has created Builders Benefits Inc., an insurance program built for PBA members that will help them save on health, dental, vision and life insurance. The PBA Benefits Trust board decided to switch from a fully-insured plan to a self-insured plan to take full advantage of its members’ good claims experience, to save on administrative costs and to turn carrier profits into savings for its members. “This is a unique opportunity,” said Steve Rock, chief executive officer of PBA Benefits Trust. BBI is the first multi-employer organization that the state has approved by the state for self-insurance. “Since BBI is wholly-owned by PBA Benefits Trust, we’re not looking for profits; we’ll turn profits back to members in the form of reduced premiums. Since Builders Benefits is a great price, employers might

want to consider offering an additional benefit to their employees.” Mike Rodino, chairman of PBA Benefits Trust and owner of MDR Construction in Shillington, said that this is the first time in history that PBA can use its demographics, as opposed to the community pool, to set rates. PBA members with health insurance through the Benefits Trust are predominantly male and include more young people than the broader base of all insurance clients. Insurance companies rate PBA members with a lower risk, which will allow BBI to provide lower rates. Rock explained that PBA members in the central part of Pennsylvania are now able to enroll in Builders Benefits. Mem-

bers from all parts of the state will soon be able to enroll. Members will receive information in the mail, and BBI will provide local associations with information. Details about the program are also posted on www.buildersbenefits.com, and builders can contact customer service representatives by calling (888) 221-2550. “As the self-funded plan grows with participants, the savings to members can be multiplied,” said Chuck Hamilton, PBA Benefits Trust board member and executive officer of the Lehigh Valley Builders Association. “Unlike the big insurance companies, Builders Benefits is designed not to make a profit for share holders, but rather, it is designed to save money for our membership. The sole purpose is to provide our member businesses with a good health care product at competitive rates.” The lower introductory rate that members will receive will be locked in until

Your insurance through PBA Benefits Trust: Just the FAQs Transition process Q: What do I need to do to switch over from my current coverage to the new Builders Benefits Inc. coverage? A: Complete the employer enrollment form that was included in the mailing you received and first fax it to the fax number referenced on the form, then return the form directly to the PBA Benefits Trust in the envelope provided. It is important to include employee enrollment/change forms for each of your currently enrolled employees, and your premium for the new plans. Q: Am I required to select the exact same medical and prescription plan design or can I change benefits? A: For ease of transition, we have mapped your current benefits to comparable Builders Benefits plans in a recent mailing to PBA members with current insurance plans through the PBA Benefits Trust. You may continue with the comparable plan or elect to change your medical and/or Rx plan at this time. If you want to change benefit plans, please note your selection of medical and Rx plans on the Employer Enrollment Form and return it to the PBA Benefits Trust, along with the appropriate premium. Q: Why should I switch over to Builders Benefits plans now? A: By transitioning to Builders Benefits now, you will enjoy the following advantages: • Reduced premiums. 16

I Keystone Builder • January/February 2007

• No medical underwriting for current member groups that convert by the Jan. 20 for a Feb. 1 effective date. Q: My company includes employees who live outside of Pennsylvania. How will their coverage be impacted if we switch to Builders Benefits? A: Employees residing outside of Pennsylvania will be enrolled in a Builders Benefits Out-of-Area (OOA) plan that is similar to the in-area plan. The OOA plan will use the First Health national provider network. Rates for OOA plans are the same as the in-area plans if you switch before February. Q: What if I wait until after Feb. 1 to switch? A: You will be required to enroll and provide tax documentation and medical information. Q: Will we continue to be billed the same way if we switch to Builders Benefits? A: You will receive a new, easy-to-read invoice from Builders Benefits for your medical coverage. Your dental, vision, life and disability products will continue to be billed as they are today.

Provider network Q: Are the doctors and hospitals that my employees and their dependents use in the new network? A: Builders Benefits will be offering a quality, state-wide network in Pennsylvania — the Health Assurance network. You can search for your provider in the enclosed Provider

Directory or online at www.buildersbenefits.com. If you have questions or need assistance, please call (888) 221-2550.

Medical and prescription benefits Q: What are the differences in the coverage between our current benefits and those with Builders Benefits? A: The PBA Benefits Trust has developed plans comparable to your current plans. Additional plan options are also available. We recommend that you review the Builders Benefits Medical and Rx Group Plan Comparison Sheets for detailed benefits information. Because indemnity plans, typically referred to as traditional plans, do not contribute to the management of health care costs, the Traditional and Traditional Plus plans have not been duplicated, but the materials include a suggested plan for your group’s transition. Q: Does this change in medical and prescription coverage impact my group’s dental or vision coverage rates and/or their renewal dates? A: No, your dental and vision coverage, along with any life or disability plans, are unaffected by this transition. The dental and vision plan will still renew April 1. Q: Why did the PBA Benefits Trust decide to switch to selfinsured instead of staying fully-insured? A: First, to take full advantage of our member’s good claims experience; second, to save on administrative costs; and third, to turn carrier profits into savings for our members. s

2008. Members from the central part of Pennsylvania who agree to change their coverage to Builders Benefits before the Jan. 20 deadline will be able to forgo medical underwriting. People who meet that deadline will have their Builders Benefits plans become effective Feb. 1. People who enroll on Feb. 1 or later will be required to provide tax documentation and medical information. Members who already participate in PBA Benefits Trust may visit the Builders Benefits web site and see a side-by-side comparison of their current plan and the new Builders Benefits plans. “In most areas, the network will very comparable to what members have now,” Rodino said. “Over time, there will be significant savings.” “Through a self-funded insurance plan, the ‘sticker shock’ at renewal time should be eliminated,” Hamilton explained. “Builders Benefits is committed to controlling costs and keeping a level of consistency in pricing.” Rock said builders who find discounted plans from other organizations need to ask themselves, “Where were these discounts before? Why can they offer

them now?” and need to realize that the discount is likely short term. Builders Benefits offers a state-wide network in Pennsylvania: the Health Assurance network. PBA Benefits Trust has developed plans comparable to current benefit plans. The needs and economics of individual businesses can be met with the choice of eight health plans. Because indemnity plans, typically referred to as traditional plans, do not contribute to the management of health care costs, the Traditional and Traditional Plus plans have not been duplicated. Rock said PBA Benefits Trust members may continue using their Blue Cross Blue Shield plans but will not receive the same great pricing as Builders Benefits participants do. Dental and vision coverage, along with any life or disability plans that members have, are unaffected by transitioning to Builders Benefits. The dental and vision plans will renew April 1. Members will still be able to have health savings accounts. Corporate Benefits Services of America provides the administration of the Health Savings Account for Builders Benefits.

Builders Benefits Have a question? Need a quote? Call (888) 221-2550

Or visit buildersbenefits.com on the web. Members will receive a new, easy-toread invoice from Builders Benefits for their medical coverage. Dental, vision, life and disability products will continue to be billed as they have been in the past. Employers with active senior employees can enroll them in the same plan as the rest of their employees. The plan will coordinate benefits with Medicare. Builders Benefits offers Seniors Choice Retiree Medical Insurance Plan, underwritten by PacifiCare Life and Health Insurance Company, for retired seniors. By visiting the Builders Benefits web site, members can use a search option to locate doctors, pharmacies and learn what drugs are covered by their plan. Builders Benefits also provides members with the opportunity to purchase life or supplemental insurance. Local insurance brokers can be located on the web site. s

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January/February 2007 • Keystone Builder

I 17

3FBDI UIFŠ Reach the nation’s growing aging market as a Certified Aging-in-Place Specialist.

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remodeling and building homes for older adults.

Association news

Leading your association in 2007 Introducing the Senior Officers Stephen Black, president

S

tephen Black, president of Stephen Black Builders Inc. in Lititz, is the 2007 president of PBA. Previously, he served as the association’s vice president, secretary, a regional vice president and a director. He served on the public relations/ public affairs committee and as chairman of the work force training and development committee. Locally, Black is a member of the BIA of Lancaster, where he served as secretary, vice president and president. He is also a member of the York County BA and the BA of Metro Harrisburg. Black received the Regional Vice President of the Year Award from PBA in 2003 and the Distinguished Service Award from the BIA of Lancaster in 2002. Black and his wife, Gloria, have two children, Eric and Collette. Contact Black by phone at (717) 626-1778 or at steve@stephenblackbldr.com.

Jones serves on the advisory council for the construction trades at Pennsylvania College of Technology, Williamsport. Contact Jones by phone at (570) 743-7332, or by at rjones@glicks.com.

Richard Clawson, treasurer Richard Clawson, executive officer of the Indiana-Armstrong Builders Association, will serve as PBA treasurer in 2007, two years after leaving the post. Clawson served PBA on the work force development committee and the workers’ compensation committee. He won the Hammers and Gavels Award in 2003 and the Associate of the Year Award in 2003. A graduate of Indiana High School and Indiana University of Pennsylvania, Clawson and his wife Deborah live in Indiana. The couple has three children. Contact Clawson at (724) 349-2327, or by e-mail at indarmbd@microserve.net.

Ray Fertig, vice president

Gene Kreitzer, secretary

Ray Fertig, vice president of Richard D. Poole LLC, is a member and past president of the York County Builders Association. In 2007, he moves from secretary to vice president. He has served on the PBA board of directors and government affairs committee, as well as representing his region as a regional vice president. In addition to serving as the president of his local association, Fertig served as NAHB director, vice president, treasurer, secretary and director. He was chairman of the York County Parade of Homes committee, York’s membership chairman and local political action committee chairman. Contact Fertig at (717) 741-5270 or at rfertig@rpoole.com.

Gene Kreitzer, owner of Gene Kreitzer Construction, is the 2007 secretary of PBA. Previously, he served as regional vice president, regional legislative officer and as chairman of the small contractor committee. PBA honors include the Builder of the Year Award, the Regional Vice President of the Year Award and the Small Contractor of the Year Award. Kreitzer completed the leadership track with the Lebanon County BA, serving as president, as well as first, second and third vice president. He is also a life director for the local association. At the local, he took part in the Habitat for Humanity project and the political action committee fundraiser. He served on the local’s membership and political action committees. Contact Kreitzer at (717) 933-5254, or genekrtz@lmf.net.

Rob Jones, associate vice president Rob Jones, vice president of Glick Associates, serves as the PBA associate vice president. Previously the Northcentral regional vice president and regional legislative officer, Jones also served on the former membership committee. In addition, he has served as president and vice president of the Central Susquehanna Builders Association, where he was also a member of the home show committee. Jones is a member of the Associates Council and the Pennsylvania Housing Research Center Committee. He was named Regional Legislative Officer of the Year in 2002.

Bradford H. Elliott, immediate past president Brad Elliott, owner of Elliott Building Group in Langhorne, is the immediate past president of PBA. Before serving as PBA president in 2006, Elliott served PBA in several other positions. He served as vice president, secretary, regional legislative officer, regional vice president and director. He also served as chairman of the Pennsylvania Committee for Affordable Housing and chairman of the regulatory affairs committee. Continued on page 20 January/February 2007 • Keystone Builder

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association news Continued from page 19

Locally, Elliott is a member of the Home Builders Association of Bucks and Montgomery Counties, where he served as president, vice president and chairman of the land use committee, which later became the government affairs committee. Elliott is a magna cum laude graduate of Brandeis University, Waltham, Mass., where he received a Bachelor of Arts degree in sociology and a graduate of Sloan School of Management, Massachusetts Institute of Technology, Cambridge, where he received a master’s degree in management science. He lives in Bucks County with his wife, Robin, and three children. Contact Elliott by phone at (267) 852-4500 or at bhelliott@ ebgmail.com.

NAHB delegation NAHB State Representative — Frank Thompson, BA of Metro Pittsburgh Builder State Director to NAHB — Herb Miller, Lancaster County BIA Alternate Builder State Director to NAHB — Gary Naeser, Washington County BA Associate State Director to NAHB — N. Eugene Minnick, Central Susquehanna BA and West Branch Susquehanna Alternate Associate State Director to NAHB — Jim Pigott, HBA of Metro Harrisburg Representative to NAHB Executive Committee — Dave Knipe, HBA of Bucks/Montgomery Continued on page 22

20

I Keystone Builder • January/February 2007

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I 21

association news Continued from page 20

Regional vice presidents Mideast: Vicki Shannon, HBA of Metro Harrisburg Midwest: Linda Schreiber, Blair County BA Northcentral: Ray Venema, West Branch Susquehanna BA Northeast: Joe Peterson, BIA of NE PA Northwest: Jim Grieshober, BA of NW PA Southcentral: Larry Yanover, York County BA Southeast: Joe Dolan, HBA of Berks County Southwest: Charlie Begley, BA of Washington County

Regional legislative officers Mideast: Roger Zimmer, HBA of Metro Harrisburg Midwest: Chauncey Wirsing, Somerset Co. HBA Northcentral: Betsy Dupius, BA of Central PA Northeast: Robert Hutchins, Pocono BA Northwest: Paul Bell, Tri-County BA Southcentral: Larry Eberly, Franklin County BA Southeast: Ron Agulnick, HBA of Chester/Delaware Southwest: TBD s PBA’s 2007 Regional Legislative Officers include (from left) Paul Bell, Betsy Dupius, Ron Agulnick, Bob Hutchins, Larry Eberly and Chancey Wirsling.

Strober Building Supply MORRISVILLE, PA (800) 234-2581

EAGLE, PA (610) 321-0970

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To find our other locations, visit us at www.strober.com

22

I Keystone Builder • January/February 2007

PBA introduced its 2007 regional officers during its November 2006 board of directors meeting: (From left) Linda Schreiber, Jim Grieshober, Larry Yanover, Vicki Shannon, Ray Venema, Joe Peterson, Joe Dolan, Charlie Begley and 2006 PBA President Brad Elliott.

January/February 2007 • Keystone Builder

I 23

465 Back Mountain Rd. Belleville, PA 17004

Phone: (717) 483-6274 Fax: (717) 483-6766

“We aim to please with quality installation and service”

January/February 2007 • Keystone Builder

I 25

member spotlight Continued from page 24

• Ebensburg • Fairfield • Greensburg • Harrisburg • Huntingdon • New Oxford • Newport • Pittsburgh • York • Bridgeport, W.Va. • Martinsburg, W.Va.

S & A Homes has about 300 employees between its 16 locations and still subcontracts nearly all of its work. Schoonmaker joined the S & A Homes team in 1997 after he graduated from Penn State with a degree in business logistics. He became regional manager in 1998 and says he was impressed with the company’s business philosophy and was drawn in by the building industry itself. “When you are working with imperfect products in imperfect conditions, it can be really challenging,” he said. “But at the end of the day, when you hand over the keys and you fulfill the customer’s biggest dream — homeownership — that keeps you coming back every day.”

Word outside the business Building homes in always the No. 1 priority for S & A and its employees, however they have two priorities outside the business itself: builder association involvement and helping underprivileged children. S & A Homes is a member of several local associations in the communities in which it works,

but the company is most involved in the Builders Association of Central Pennsylvania, which is near its corporate offices. On the state level, Schoonmaker serves as the government affairs chairman for PBA. “There is so much going on right now in the government affairs arena that is critical to the future of our industry,” Schoonmaker said. “You have to stay on top of it, because if we can’t come together as a collective group through the association, we are going to have a difficult future.” S & A Homes is also actively involved in several youth organizations, including Second Mile, a nonprofit group for underprivileged children. In addition, S & A Homes has donated five baseball fields for use by area children in State College alone. As for the new year, Schoonmaker says S & A Homes hopes for more of the same: providing quality homes to customers throughout Pennsylvania and West Virginia. He said, “Our plans for 2007 are to grow within our existing locations, but in 2008, we are looking to expand even further.” s

Hajoca Corporation • Plumbing • Heating • Industrial Supplies The Best Choice For All Your Building Needs Proud supplier of ELK Roofing products to S&A Homes. 2608 Keyway Drive, York, PA TOLL FREE 800-743-5491 TEL 717-741-4644 www.bradcosupply.com

26

I Keystone Builder • January/February 2007

2640 Carolean Industrial Drive, State College, PA 16801 (814) 237-3220

PBA welcomes incoming leaders at leadership retreat

F

ifty-five members attended the 2007 PBA Leadership Retreat Oct. 27 and 28 in State College. The event featured informative sessions from nationally known speakers Matt Weinstein and Mike Frank, popular comedian Scott Henry and networking opportunities with PBA members. s

Speaker Mike Frank discussed how to build leadership skills and make a difference during the retreat.

Stephen Black, 2007 PBA president (center), greets member Perry Cisney and PBA Field Service Director Rob Milne during a break at the retreat.

PBA members shared some appreciation for each other during one of Matt Weinstein’s sessions during the retreat.

January/February 2007 • Keystone Builder

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