Florida Roofing Magazine - October 2022

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2022

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Industry Updates

Mule-Hide Products Hires Matt Bost as Territory Manager

Matt Bost has joined roofing products and systems manufacturer Mule-Hide Products Co. Inc. as Territory Manager for West Central and Southwest Florida.

Matt will be the com pany’s lead contact with contractors throughout the territory, which includes Tampa, Bradenton, Clearwater, Sarasota, Fort Myers, Lakeland and surrounding communities. He will help ensure projects are completed efficiently and according to specifica tion. He’ll also work with contractors and ABC Supply Co. Inc. branch teams to develop the best solutions to meet property owners’ roofing needs and provide ongoing product, technical and sales training for con tractors and ABC Supply associates.

Matt comes to Mule-Hide Products from TRUFAST, a manufacturer of roofing fasteners, adhesives and accessories. As the company’s Regional Manager for Florida, he oversaw the technical and sales aspects of its business in the state. Prior to that, he served as District Manager for the Carolina territory at TRUFAST.

“Over the past several years, Matt worked closely with our Territory Managers and the ABC Supply branch teams in Florida, becoming a valuable partner for Mule-Hide, ABC and many commercial roofing contractors across the state,” said John Pantesco, Regional Director – Southeast and Southwest regions for Mule-Hide Products Co. “That experience and the strong relationships he built will allow him to make a big impact for us and for our contractors.” Bost is a resident of Wimauma.

ABC Supply Co. Inc. Names 74 New Managing Partners

ABC Supply Co. Inc., the nation’s largest wholesale distributor of roofing, siding and other select exterior and interior building products, recently promoted 74 Branch Managers to Managing Partners.

To be selected as a Managing Partner, Branch Managers must meet rigorous requirements in as sociate development, customer satisfaction, branch performance, safety compliance and excellence in overall business practices.

“These individuals demonstrate exceptional lead ership skills and an unwavering commitment to the success of their associates and customers,” said

Mike Jost, ABC Supply’s Chief Operating Officer. “We’re proud to have them representing ABC Supply and leading our amazing teams.” This year’s Florida Managing Partners include:

■ Jeron Mazurk, Tampa

■ Michael Money, Punta Gorda

■ Richard Boutin, Miami

■ Robert Llorens, Miami.

As Managing Partners, the managers will con tinue to oversee the day-to-day operations of their respective branches while taking on the additional responsibility of serving on ABC Supply’s National Branch Advisory Board. There are over 300 Branch Managers in ABC Supply’s Managing Partner Program.

Jeron Mazurk joined ABC Supply in 2005 as an Inside Sales Associate at the Tampa location. He relocated to the Chatsworth, Ca. branch as an Inside Sales Associate and eventually an Outside Sales Representative. In 2018, Jeron was promoted to Branch Manager of ABC Supply’s Bradenton location. He returned to the Tampa location in January 2021 to manage branch operations.

Michael Money joined ABC Supply in 2017 in the Tuscaloosa, Ala. warehouse. After just a few months, he was promoted to an Inside Sales Associate of the Ft. Lauderdale location and was promoted to Branch Manager of the Punta Gorda location in 2019.

Richard Boutin joined ABC Supply in 2016 as an Inside Sales Associate in West Palm Beach and in 2018, transferred to his current Miami location, continuing in a sales capacity and was promoted to Delivery Services Manager shortly after. He became Branch Manager of the Miami location in 2019.

Robert Llorens began working at ABC Supply in 2010 as an Export Sales Manager at the Ft. Lauderdale location and was promoted to Branch Manager of the Miami location in 2015.

If you have purchased materials or done any consumer shopping lately, you know the supply chain is being strained. The COVID-19 pandemic hit the supply chain hard, as manufacturing slowed and transportation suffered interruptions. And now, the Russia-Ukraine conflict has made matters worse. Some of these changes may never be undone. Globalization has been altered.

Understanding Slowbalization

For many years, globalization grew. In fact, between 1970 and 2008, it seemed unstoppable. As a share of GDP, worldwide exports increased from 13 to 31 per cent. But that trend began to skid. Those exports as a share of GDP began to level out and then fall. Global bank loans decreased, as did foreign investments.

The global economy began to decentralize, and that occurrence became part of a trend called “slowbal ization.” This term refers to a phenomenon involving

a slower global integration rate.

It seems as though a far less global model is com ing into view, it will be less interconnected and, instead, it will focus on more regional trade. Reliance on a few world wide economic players will shift toward multiple economic and political centers. It may be years before dramatic effects will be seen, but the process has begun.

The Factors That Influence Globalization

Although slowbalization is a reality, it is fair to say

that we are still in a globalized world. Based on inter national phone and internet usage, globalization is still strong. But regarding trade, it may have already peaked.

Many factors impact globalization. For example, in the mid-20th century transportation costs were reasonably low. But in recent years, those costs have soared due to increased fossil fuel prices. Also, with improved technology, manufacturing processes are becoming more automated. That means a smaller labor force, so the need to move factories offshore will be reduced. Therefore, transporting goods for such long distances may no longer be necessary.

Another factor is consumer preference. Today, consumers like variety and choice, so there are more and more variations in available goods. That incen tivizes companies to move manufacturing closer to where their customers live rather than asking them to wait weeks for a custom order from halfway across the world. In addition, for those with higher incomes, services have become as important as material items. Many are spending their disposable income on deli cious meals and spa treatments. And such services do not have to be transported from anywhere.

Globalization has also been affected by higher tariffs, increasing environmental concerns and carbon taxes. All these factors make it less attractive to rely on shipments from thousands of miles away.

What We Can Expect as Trade Changes

In the coming years, certain industries – such as cyber security, pharmaceuticals and defense – will benefit from this slowbalization trend. So will companies that capitalize on “just in time” inventory.

In addition, specific countries may do well in this new model. For example, Mexico could benefit, thanks

to its low labor costs, its location and its free-trade agreements with the United States and the European Union. India could also benefit because of its proximity to the EU and its large but low-cost labor force, al though it lacks a free-trade agreement.

It is important to understand, however, that even as trade shifts, we will remain globally connected. Thanks to technology, we can still share ideas and services with other countries around the world, even if we do not travel to them.

Worldwide trade may have stopped growing, but it is still significant. Auto and steel manufacturing may always require the global supply chains currently in place. But there is definitely a push to rely less on exports from China. So do not be surprised if the next materials you order come from a country closer to home.

FRM

The information contained in this article is for general educational information only. This information does not constitute legal advice, is not intended to consti tute legal advice, nor should it be relied upon as legal advice for your specific factual pattern or situation.

Trent Cotney is a Partner and Construction Practice Group Leader at the law firm of Adams and Reese LLP and FRSA General Counsel. For more information on this subject, please contact the author at trent.cotney@arlaw.com.

What’s Wrong with These Pictures?

Primary Election Sends Dozens of Legislators to Tallahassee

Florida held a successful primary election in August, setting the stage for the November General Election. Top of the ticket races (statewide primary contests for the U.S. Senate and Florida Cabinet) went as expected with U.S. Representative Charlie Crist (D –FL 13) besting Agriculture Commissioner (and only current statewide elected Democrat) Nikki Fried for the Democratic nomination for Governor. Governor DeSantis awaits with a sizeable war chest and strong approval ratings. Over in the U.S. Senate race, U.S. Representative Val Demings (D – FL 10) cleared the field handily for the Democratic nomination for U.S.

Senate with 84 percent of the vote. She takes on U.S. Senator Marco Rubio (R –FL) in November in what promises to be one of the most expensive races in the country. If you want to know more about their positions –or, better yet, how they feel about each other – just turn on your TV.

Florida House of Representatives

Representative Party City District

Rep. Bobby Payne (Legislative Sponsor of the “Tool Time” Skilled Workforce Sales Tax Holiday)

Rep. Ralph Massullo

Rep. Josie Tomkow

R Palatka 20

Lecanto 23

Polk City 51

Rep. Patricia Williams D Pompano Beach 98

Rep. Daryl Campbell D Ft. Lauderdale 99

Rep. Dotie Joseph D N. Miami 108

Legislative Newcomers Clinch Seats, Too

Joel Rudman

Shane Abbott

Griff Griffitts

Dean Black

Kiyan Michael (Received a Big Boost Endorsement from Governor DeSantis)

Chase Tramont

Jennifer “Rita” Harri (Defeated Incumbent Rep. Daisy Morales)

Jennifer Canady (Married to Florida Supreme Court Justice Charles Canady)

Brad Yeager

Navarre

DeFuniak Springs

City Beach

Orange

Lakeland

New Port Ritchie 56

Lisa Dunkley D Sunrise 97

Ashley Gantt (Defeated Incumbent Rep. James Bush)

Miami 109

Chris

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Florida Senate

Senator Party City District

D Windermere 15

R Bradenton 20

R Sarasota 22

R West Park 34

D Plantation 35

Legislators Elected During the Primary

Not all races move on to November, however, as doz ens of Florida Legislators almost assuredly will return to Tallahassee following their victories in the August primary election. This is because they have no general election opponent or only face write-in candidates. They are joined by the (even luckier) Legislators we discussed last month who were elected with no oppo sition at all. Above, you’ll find the next wave of politicos headed to Tallahassee for the next two years (or four years for some very lucky Senators).

November Challengers Drop

Two additional Florida Legislators punched their tick ets back to Tallahassee recently when their General Election opposition abruptly dropped out of the race.

These victories represent an additional 25 mem bers headed to Tallahassee (15.6 percent of the Florida Legislature) for the 2023-24 term. Add them to the 39 members (24.4 percent of the Legislature) that were elected or re-elected without any opposition and we are getting close to quorum before the November election arrives. Pretty wild! Rest assured, however, that the remaining 96 seats up for grabs in November will provide plenty of intrigue, drama and surprise in the weeks to come.

Chris Dawson is an Attorney and professional Lobbyist for GrayRobinson’s Orlando office and is licensed to practice law in both Florida and Alabama. He primarily focuses on lobbying and government relations for public and private sector clients at the executive and

FRM

Sen. Travis Hutson

R St. Augustine 7 Rep. Geraldine Thompson (Served in the Senate from 2012 – 2016)

Sen. Jim Boyd

Sen. Joe Gruters (Republican Party of Florida Chairman)

Sen. Shevrin Jones

Sen. Lauren Book (Senate Minority Leader)

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FRSA – 100 Years Strong

Lisa Pate, FRSA Executive Director

Throughout 2022, this column will recap some of FRSA’s rich history, through accounts from meeting minutes and a published book called FRSA The First Half Century

In January of 1970, the Board of Directors reported minor changes in the Association’s charter to bring it in line with Internal Revenue Service requirements for nonprofit corporations.

At the 48th annual Convention, Charles Raymond, Miami, was elected President. During this Convention, George Trask, Chairman of the Self-Insurers Fund Trustees, reported some $25,000 (the equivalent of $228,608 today) had been refunded to members who had overpaid their premium in 1966 when the fund was administered by the Robert F. Coleman Co. He also noted that members were now enjoying a 14 per cent advance discount and would, in 1970, be granted the maximum allowed by law, 15 percent.

The Resolutions Committee presented a resolution urging manufacturers to consider using a new method of packaging asphalt and pitch that had originated in Europe. Rather than drums, the Europeans were using plastic-type bags, light enough to be handled by one person. The entire bag could be placed in the pitch kettle, melting along with the contents.

Jim Falkner reported his committee had studied a proposed contractors exam bill that would allow a contractor to take a proficiency examination and allow him to perform work statewide. The Board voted to urge state legislators to enact such a bill.

That spring, Laird Legg, former Self-Insurers Fund administrator, surrendered to Orlando police and by the end of the year, he would be in Raiford Prison, sen tenced to five years for embezzlement.

In July, Charles King presented a report to the Board, a proposed certification program for con tractors. This program would provide a means of self-regulation and professional recognition of mem bers’ professional standing within the construction industry. FRSA’s Certified Professional Roofing Contractor (CPRC), Certified Professional Sheet Metal Contractor (CPSC) and Certified Professional Air

Conditioning Contractor (CPAC) designations were born. The certification program would be very much like those used for Certified Public Accountants and a certified contractor would be authorized to carry initials after his name.

The fall meeting of the Board of Directors was held in Munich, Germany. The Association had arranged a tour of the roofing and sheet metal industry in Germany, with stops in London and Paris. One stop on the tour was a visit to the Vedag plant, which pack aged asphalt in plastic bags. As January 1971 rolled around, Florida Forum celebrated its 10th anniversary.

FRSA member, State Senator Lew Brantley, Brantley Sheet Metal, Jacksonville, intended to intro duce a hold-harmless bill at the next session of the state legislature. Such a bill would prevent general contractors from attempting to force subcontractors to hold them “harmless” from accidents occurring on jobs. The membership endorsed state legislation to declare broad form hold-harmless clauses as being “against public policy” and to make such contracts “void and unenforceable.”

The 49th Annual Convention, held at the Playboy Plaza Hotel in Miami Beach, had the largest atten dance in the history of the Association. The combined Convention and trade show had 888 registered visitors. Risk Management Services, Inc., service agent for the Self-Insurers Fund, staged a play called “My Fund Lady,” which explained to members how the SelfInsurers Fund worked. At the conclusion of the play, $40,000 was distributed in dividends to Self-Insurer Fund members. Another $50,000 had been distribut ed a month earlier.

President Raymond, who had climbed to the top of one of the largest roofing contracting firms in the South, Giffin Industries Inc., had predicted a year earlier that “his” convention would be the largest in history. It undoubtedly was. As a crowning touch, Raymond presented more than 300 plaques during the Convention. Every member got a plaque. All Life and Honorary members and all Past Presidents who hadn’t received plaques in the past also received them.

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The annual banquet was ded icated to Past Presidents. They were escorted into a packed Penthouse Theater by a trum peter in medieval style, as the entire membership stood as a sign of respect. It was a banquet unequalled in the history of the Association.

Raymond had always had a reputation for wit. He found hu mor in every situation. When his company was losing money hand over fist during a strike, Raymond gleefully joined the picket line because, as he said later, “They were striking, so I didn’t have anything else to do.”

After having engineered one of the most successful conventions in the history of the Association, Raymond was probably more than happy to step down and St. Petersburg contractor Jack N. Hurlston was elected to succeed him as President.

Edward Walker and John Carruth

Big Chief of Self Insurance, Gerald Towne

Bill Condermann

During Hurlston’s administration, the federal government enacted a series of stringent safety regulations under the Occupational Safety and Health Act of 1970. The regulations, which targeted the roofing and sheet metal trades for enforcement, were to go into effect in late summer of 1971. Dorminy, from Risk Management Services and Dockery saw the looming impact on members of the Association. Safety was coming out of the realm of statistics, which could boost or lower insurance rates. Violation of safety regulations would become a federal crime with stiff penalties. Dorminy and Dockery approached a Lakeland firm, Moore Public Relations, to produce a guide for compliance with the new OSHA guidelines. With Dockery as overall advisor, Dorminy as consul tant on safety, Gail Moore as writer and producer, the two-volume “Management Safety Planner” was produced. It was to become a model for the nation. In exchange for rights to further publication, the Moores’ gave the Association free copies for every member. Later, the publication was marketed to associations nation wide. It was the first and, for at least a year, the only guide to the Act written in layman’s language.

In 1972, the Association’s work against hold-harmless contracts paid off. The legislature enacted a law generally prohibit ing engineers, architects, general contractors and others from un reasonably passing on liability for their own acts to subcontractors.

Hurlston chose Marco Island as the site for the 50th annual Convention of the Florida Roofing,

Sheet Metal and Air Conditioning Contractors Association (FRSA). This convention was to be the climax of 50 years of enviable progress. At this Convention, the officers and members would pay tribute to the men of yesteryear, many now gone, who made it all possible. Coincidentally, one of the earliest Convention registration forms bore the name of one of those two men who first stood beside a church in Clearwater 50 years earlier and talked about a state trade association. Frank Tack, still active at 81, planned to be there as the membership, now 300 strong, would lay out plans for the next half-century of progress.

FRM

If You’re Not Concerned, You May Not Be Paying Attention

Mike Silvers, CPRC, Silvers Systems Inc. and FRSA Director of Technical Services

It seems lately that I cannot escape the obvious sub ject for this column – insurance. As much as I would like to cover something like a new roof installation method, the property insurance issue and the interac tion with the roofing industry, as well as the building code, continues to be front and center, making it very hard to ignore. As those involved in the roofing indus try know, there seems to be something new every day. Most of us are well aware and very concerned about what the current state of affairs has done to our trade’s reputation. With so much information and misinformation coming from so many sources, it can be hard to see the big picture. It is important to look at the issue from the industy’s perspective.

The Florida Hurricane Catastrophe Fund Has the Potential to Devastate Our State’s Economy

The Florida Hurricane Catastrophe Fund (FHCF) or Cat Fund was established in 1993. It is a tax-exempt trust fund that acts as reinsurance for approximately 165 of Florida’s property insurers, including Citizen’s. Recently the Fund has been asked to cover additional exposure by acting as a guarantor or reinsurer to cover property insurers whose ratings have been downgrad ed. The administrators of the Fund have the authority to levy emergency assessments on all property and casualty insurance lines except workers’ compensa tion, medical and federal flood. The insurance lines that could be levied currently represent approximately

$56 billion in annual premium. By the end of 2022, the Fund balance will be approximately $12.8 billion. This sounds like a lot of money and it certainly is. It accounts for approximately one percent of Florida’s $1.2 trillion gross domestic product. But it may not be enough when you consider that the cost of insurance claims paid out for Hurricane Andrew were $15 billion in 1992. Today, according to RMS (a highly-regarded Moody Analytics Company), the cost for the same claims would be between $80 to $90 billion. Other sources estimate a current cost between $50 to $100 billion. One needs to keep in mind that even though Andrew was a very powerful storm, its highest winds were concentrated outside of a major metropoli tan area. If Andrew had been centered just 25 miles further north, you could have multiplied the amount of damage and claims many times over.

Hurricane Irma occurred in 2017 and the Cat Fund paid approximately 43 percent of the losses. The common understanding is that the larger the storm, the higher the percentage paid out by the Fund. It’s clearly not hard to imagine property damage claims of over $100 billion from one major storm that impacts any of Florida’s urban coastal communities with high density population. Multiple storms could add to that already staggering number. Using the $100 billion figure and a 50 percent ($50 billion) Cat Fund hit, you can see that the Cat Fund would be quickly depleted in this very plausible scenario. Florida would be left covering a Cat shortfall of $38 billion in claims while at

the same time trying to replenish the Fund before any additional major storms occurred. Not only would our insurance premiums skyrocket but every business in the state would be hit with pre mium increases that would be passed on to consumers. It’s not a pretty picture, but there are things that can be done and, if you are so inclined, a prayer wouldn’t hurt.

How Well Could the Roofing Industry Respond to a Major Storm or Possibly More?

With our industry’s current labor and material shortages, this is a very important question. After Irma, approximately 54 percent of property claims involved roofing issues. That figure was 74 percent for Hurricane Michael in 2018. Using either figure, the amount of roofing installations needed would be staggering. Those of us who have been in the industry after major hurricanes understand how quickly both labor and material become scarce and much more ex pensive. Most of those experiences have been in times when inventories were, compared to today, plentiful and labor was at least available. We are all very familiar with our current situation in which neither is the case. It is clear that we would have a serious problem trying

to respond quickly. Many homes and other buildings would be left exposed to additional post-storm water damage. For just how long is unknown. Tarps are not a very good solution, with insurers often having to repair or replace them multiple times before a permanent solution can be achieved. In the interim, more water damage will occur. Florida’s roofing contractors are far too familiar with what comes next. Contractors swarm into Florida with little understanding of our state’s roofing practices or building code. Many unscrupulous contractors would use their current techniques to sell jobs and lockdown work with worthless promises in ex change for assignment of benefits or direction to pay contracts. Many jobs would sit unstarted or unfinished.

How Can the Roofing Industry Help?

One way to help provide a greater degree of tem porary protection is through a Florida Building Code (FBC) mandated secondary water barrier (SWB). Currently, a SWB is required in the 65 counties in Florida that are outside the High Velocity Hurricane Zone (HVHZ – Miami-Dade and Broward counties only). Amazingly enough, the HVHZ code does not even allow SWBs as an option. For example, tile roof systems installed outside the HVHZ use the FRSA-TRI High Wind Concrete and Clay Tile Installation Manual (which isn’t accepted in the HVHZ). The tile manual requires better underlayment systems than those that are permitted in the HVHZ; systems that have been tested to meet the code-mandated uplift resistance specified in ASCE 7. HVHZ underlayment systems do not necessarily comply with ASCE 7. Throughout the state, contractors can choose to use the HVHZ pre scriptive methods (Miami-Dade notices of acceptance (NOA) and roofing application standards (RAS)) rather than the tile manual. These Miami-Dade standards have been weaker than those used in the manual for several code cycles and, ironically, are basically the same as they were before Hurricane Andrew exposed serious and widespread shortcomings in South Florida roofing practices – and started the process that supposedly made the HVHZ code the strongest in the state.

The underlayment requirements used for steep slope roof systems other than tile in the HVHZ are also much less stringent than those required in all other areas of Florida. The best performing SWBs consist of a self-adhering underlayment (SAU) applied direct to deck, which isn’t even an option in the HVHZ where

the impact from major storms is theorized to be the most likely. That likelihood was the original justification for a separate code for the HVHZ during the creation of the FBC. Additionally, a SAU system is the only underlayment listed on the uniform mitigation form that is eligible for a wind mitigation premium discount. It seems as though the insurance companies clearly recognize their value. Unfortunately for Floridians, these HVHZ requirements have failed to keep up with changing application methods

and materials. Let’s hope the time is coming when all Floridians have the option to be protected from unnec essary damage and the claims they create. Remember, when enough damage is done because of a lack of secondary water barriers in South Florida, all of us will be footing the bill.

Better SWBs aren’t the only way we can help re duce claims. More resilient primary roof systems are an obvious way to protect these buildings when the roof systems are installed to resist the wind load as required by the FBC.

We can also, through changes in the FBC, continue to close some of the loopholes being used to promote the “free roof syndrome” and stop the wasted money that is being diverted from legitimate roofing practices and driving up insurance premiums.

Insurers Must Do Their Part Too

None of this works as long as insurers continue to prematurely condemn roofs with years of serviceable life remaining. Who is willing to invest in better roofs when their insurer tells them it has to be replaced after 10 years? Insurers are already dodging the Legislature’s new prohibition on non-renewal for roofs newer than 15 years of age with a number of new initiatives. One requires an existing SAU even though those underlayments were seldomly used that long ago. Other insurers are not renewing or writing new coverages on roofs with solar voltaic panels, particu larly those installed on tile roofs. All this while at the same time they continue to pay for very questionable claims, thereby encouraging the very practices they later rail against. The “free roof syndrome” will not go

Proper Installation Procedures and Tools for Metal Roofing and Cladding Panels

SFS Group, USA

In the majority of roofing and cladding applications, metal panels are installed onto substructures. Although seemingly trivial, the selection of the cor rect tools and the application of proper installation procedures is paramount for the completion of a successful job. This article will outline the necessary tools and techniques required to ensure installers successfully complete projects without damaging fasteners or application substrates.

Select the Correct Drive Bits and Metal Panel Installation Procedure

Selecting an incorrect drive bit can result in serious efficiency and performance issues. A recessed magnet should be used for external drive fasteners and the correct size and design drive bit is always used for internal drive fasteners.

It is equally important to properly tighten fas teners into the application substrate. The majority of roofing and cladding fasteners will feature some type of bonding washer to provide a water-tight seal. Care must be taken to correctly drive the fastener into metal panels. Use the image below as a guide.

Which to Use for Metal Roofing or Cladding Panels: Drill Guns or Impact Drivers?

Although similar in appearance, drill guns and impact drivers have differences that will affect the performance of fasteners. During metal panel installation, drill guns provide a constant rota tional torque. In contrast, impact drivers produce more torque applied in short bursts. This results in “impacts” which drive screws more effectively. In addition, impact drivers are typically more compact and tend to slip less frequently.

On the surface, impact drivers appear to be an obvious improvement over drill guns. However, the increased torque and “impact” action may result in damage to the fastener, the sealing washer and the installation substrate. Fasteners can be damaged in three different ways by impact drivers. First, for painted fasteners, chipping and damage can occur. This will result in both an unfavorable appearance and increased corrosion risk.

Metal panel installers should also take care to select a drill gun set to the correct rotational speed (RPMs). The following tables can be used as general guides for selecting the correct installation speed. However, it is a good idea to check with the fastener manufacturer for exact specifications.

Carbon Steel or 410 Stainless Steel

300 Series Stainless Steel

Second, depending on the material composition of the fastener, the internal or external drives can be damaged. For soft stainless alloys and zinc/ aluminum alloys, the use of an impact driver can permanently deform internal drives and “grinddown” external drives. In some cases, the drive will wear down prior to full installation. In addition, repair

Wood Applications

Source: Metal Construction Association

Finally, the rotating and cutting action caused by drill points can cause fasteners to “burn up.” At increased torques, installers risk generating exces sive heat that damages the fastener points. This will result in the inability to install the fastener and can cause damage to the substrate. Slower RPM screw guns tend to avoid these potential issues.

Washer Damage

The increased rotation al speed and torque of impact guns can result in overdriving. In addition to damage caused to the head of the fastener, there is an increased risk of water damage. If a fastener is overdriven into the met al panel, the assembled washer may not prop erly seal or may be irreversibly damaged. This may result in future leaks and water damage.

Installation

Substrate

The application sub strate can also be seriously damaged by using the incorrect tool for fastener installation. For instance, increased rotational speed (RPMs) can result in the forma tion of burrs on metal

panels. These burrs can compromise sealing wash ers and increase corrosion risk.

In wood and composite applications, RPMs above 2,500 can result in damage to the attach ment substrate. This results in compromised holding strength and can sometimes lead to appli cation failure below provided design values.

Frequently Asked Questions About Metal Panel Attachment

Should I use a regular drill gun or an impact gun to install metal roofing panels?

Installers should always use regular drill guns to install metal roofing and cladding panels. Impact guns apply increased rotational torque, which can damage the parts and make installation impossible.

Does it matter what speed I set my drill gun to when installing metal roofing panels?

Yes, the rotational speed or RPM should be set in accordance with the roofing application. Wood sub strates and metal substrates should be installed at different speeds. Refer to the tables on page 20 to determine the correct drill speed for your application.

Do metal shavings, burrs or pigtails cause damage to the roof?

Metal shavings and pigtails cause damage to ex posed fastener roof systems. It is important to avoid the “canning” or burring that occurs when installing fasteners into metal roofing applications. They can contribute to corrosion, cause leaks and potentially lead to serious damage. Always ensure the proper drill gun is used and set to the correct rotational speed.

How do I avoid damaging rubber washers in metal roofing applications?

When installing fasteners with attached rubber wash ers it is important to avoid squash out failures. This occurs when the fastener is over-driven into the appli cation substrate. To avoid this type of damage, always use a standard drill gun set to the correct RPM.

Key Takeaways From Our Metal Panel Installation Tips

Contractors should always ensure their teams are fully aware of proper installation procedures and tools for metal panel applications. Refer back to this guide anytime for guidance in future projects or contact SFS for additional tips and strategies.

teams will have difficulty uninstalling the part if roof replacements are required.

OSB Screws and Fasteners

Oriented strand board consists of wood flakes and strands pressed into large boards using water-resistant adhesive. The result is an afford able engineered wood stronger than plywood and practical for a variety of interior sheathing projects including roofs, floors and walls.

While it’s hard to find fault with OSB, there are special considerations for which builders should ac count. Mainly, when compared to other engineered woods, it presents an increased likelihood of split ting or for causing stripped fasteners. Therefore, it’s best to use screws specifically designed for OSB to significantly lessen such risks.

What to Look for When Choosing Screws for OSB

The best way to minimize the potential for stripped fasteners is by using screws with aggres sive threading. This references a higher thread pitch (the distance between two threads). The lower the threads-per-inch (TPI), the deeper the ridges and greater the fastener grip. The aggressive threading ultimately leads the screws to provide greater pull out resistance strength when con necting OSB sheathing.

Other Considerations When Choosing the Best OSB Screw

■ Sharp point for self-drilling. A sharp point enables smoother piercing of the wood and less

physical pressure needed when applying the fastener.

■ The type of fastener head. There is no one style of screw head that is objectively best for OSB construction. While a tall hex washer head provides added stability during the application, countersunk alternatives lay flush with the OSB, making it ideal for subfloor applications.

■ Rust resistance. Warping due to moisture expo sure is considered the Achilles’ heel of OSB, so it’s rare for builders to use it for exterior appli cations. However, there are lesser-known OSB board options with high water resistance, lead ing to some contractors bucking tradition and featuring OSB in ways that expose it to weather. In such cases, you will want fasteners that offer inherent rust resistance.

Can I Use Other Wood Screws with OSB? The short answer to this question is that, yes, you can fasten OSB with other types of wood screws. However, you increase the chances of splitting wood and stripping screws, leading to compromised fastening.

Do OSB Screws Work for Other Types of Wood? Screws intended for OSB satisfy the similar needs of other softwoods, like plywood and pine. However, they’re not the best choice for hardwoods which may be best served by fasteners with less aggres sive threading.

How Do Screws Compare to Nails for OSB? Typically, screws are best for OSB and softwoods due to the heightened chance of splitting when nails are used and easier removal at a future date. Nails result in a weaker connection and can damage the integrity of the subfloor or sheathing. Also, OSB subfloors applied with nails rather than screws are more likely to creak.

Have more questions about OSB screws? We can help. You don’t have to select OSB screws alone. The SFS team is ready to answer any additional questions and suggest which is best based on your individual needs. Call 610-376-5751 to learn more about fasteners, manufacturing practices and sup plementary services. Please visit www.sfs.com for more information. Reprinted with permission from SFS Group, USA.

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Everyone pays the same workers' comp rate, but does your workers' comp insurance carrier provide you with the potential for a yearly dividend for operating safely? If not, you need to consider the FRSA Self Insurers Fund. These members received their share of $3 million during FRSA's Convention.

Electrical Safety

Jorge Castanon, Safety Consultant, FRSA Self Insurer’s Fund

Each year, in the United States, about 700 workers get injured by electricity. In 2020, 126 workers died due to exposure to electricity.

When discussing electricity, there are several terms we need to be familiar with: current, volts, amperes and watts are the most important.

Current is the intensity of electricity and is mea sured in amperes (amps). Most household and industrial electric wiring carries 15 to 20 amps. The thicker the wires, the more current they can usually hold. It’s important to remember that it’s amps that de liver electric shocks and it doesn’t take many amps to cause a serious injury.

Volts are another term we hear a lot. Volts measure the force behind the current that is flowing. In North America, most power tools and household appliances run on 120 volts, but some specialized heavy-duty equipment require extra power and often run on 220 or more volts. Like amps, the higher the volt age the greater the danger.

Watts are a third term that is fre quently encountered when working with electricity. Watts can be thought of as the combination of amps and voltage. You can determine how many amps something uses by divid ing its wattage rating by the voltage in the electrical system it is running on.

Let’s look at how an electrical system works. Electricity flows when a loop or circuit is completed. This loop is created when an uninterrupted stream of electricity passes through a piece of equipment and returns to the power source. Only when a circuit is complete will tools and machinery be powered up and ready to go. One of the most important things to remember about electricity is that if it somehow leaks or jumps from the conducting wire, it will still try and complete a circuit by finding the shortest path to the ground. Unfortunately, this can lead to a nasty shock if you’re in its path.

Controlled grounding is what helps to keep us safe. If electricity leaks through cracked or defective wiring, a ground wire can direct the electricity back through the electrical circuit to the ground. You can see the ground wire easily in three prong plugs. It is the wire that ends in the round prong. However, for a ground wire to work, the outlet that it is plugged into must be grounded as well. Just because an outlet can take a 3-prong plug, it doesn’t necessarily mean that it’s grounded. The only way to be certain that the outlet is grounded is to test it. Currently, many outlets are fitted with a ground fault circuit interrupter or GFCI.

This device can be a lifesaver. It immediately shuts off the flow of electricity when it senses a change in the strength of the current.

Once you know how electricity works, you need to learn how to recognize and avoid potential hazards. Electrical hazards most often result in shocks, burns and fires. Never use power tools in flammable or explosive atmospheres. Many accidents are the result of faulty wiring, so, be sure to inspect all power cords. Do not use electrical power equipment that has bare, cracked or broken wires or has missing insulation, missing ground prong, loose connections or frayed ends. Report any problems and have damaged cords replaced immediately. Do not run extension cords or operate electrical equipment in wet areas, standing water or when you or your clothing are wet. Extension cords are trip hazards. Keep them out of high traffic areas such as doorways and stairways. Do not overload electrical equipment. Overloaded circuits, motors and wiring can cause electrical fires.

Exercise caution when selecting electrical equipment. Use double insulated tools whenever possible. They have built-in protection against shock in the event of a problem. If you do encounter an electrical problem don’t try to fix it yourself unless you’re qualified. Instead, advise your supervisor about the situation and contact a qualified repair person. OSHA states that you and any conduc tive objects you’re holding should not come within 10 feet of a power line carrying 50,000 volts. For higher voltage lines, you must stay even further away. These clearance distances also apply to vehicles and other equipment located near overhead lines. Don’t use metal ladders when working near power lines, use fiberglass or wooden ladders with non-conductive side rails.

Because electricity is part of so many of the things that we use, we often forget that it can be dangerous. However, by learning to recognize potential hazards and following proper work practices, we can work safely with electricity.

The FRSA Self Insurer’s Fund (FRSA-SIF) has profes sional safety consultants throughout the state who are willing to provide SIF members with safety train ing at no additional cost. To find out if you qualify for FRSA SIF membership, please contact us at 800-7673772, ext. 206, or email us at alexis@frsasif.com. To learn more about the FRSA Self Insurers Fund, please visit www.frsasif.com.

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COTNEY CONSULTING GROUP

John Kenney, CPRC, CEO, Cotney Consulting Group

Financial Management for Your Roofing Business, Part One

In simplest terms, financial management is using your company’s financial resources. Everyday decisions affect your company’s financial future, including oper ating cash and other assets such as equipment. Your decision to bid on a large project can significantly im pact your company’s finances. As you decide whether to bid on a project, you should address the following questions:

■ Does your company have enough cash resourc es to perform this work or will you need outside financing?

■ Can your company get bonded for the work?

■ Do you have the employees to perform the work or should you subcontract this labor?

■ Should your company lease or purchase the ad ditional equipment needed for this project? If you buy the equipment, how will it be financed?

■ Will this project require your company to increase staff overhead?

■ What profit and overhead markup should be add ed to the bid?

The answers to these questions will affect your company’s finances and how you answer one ques tion may limit your options when answering another question. To expand on this, suppose you decide to hire additional employees to perform the work on a project. In that case, it could require more financial resources than if you hired subcontractors to perform the labor. It may leave your company with insufficient cash to purchase additional equipment needed, leav ing leasing as the only option.

Why is Financial Management in Construction Different?

Our industry has unique challenges and problems not faced by other industries. Although our industry produces a finished product, installing roofs differs from manufacturing in most other sectors. Because of these unique characteristics, the principles of finan cial management applied in roofing companies are modified from the standards used in other businesses. Let’s look at the attributes of roofing that are unique to construction.

Project Oriented

It is common for a roofing company to work on multi ple projects. You could be working on a tenant finish in a shopping center, reroofing a residence and installing

a new school roof simul taneously. Even when a roofing company works on similar projects, they are different due to site condition and location, af fecting labor and material availability. Roofing com panies furnish fixed prices to clients for products that your company may have never previously installed or with project owners your company has never worked for.

For the most part, as a roofing contractor, you are selling labor. Unlike a manufacturer that carries in ventory in slow times to be available to utilize during peak selling seasons, you cannot store up your labor in anticipation of use on future projects. So, a roofing company must constantly bid on new work to keep their workforce fully utilized. No other industry is as project-based as the construction and roofing indus try. Almost everything we do is a project. Because of this, we must keep accurate construction costs for every project we install. Not only do you need to track the overall cost of your projects, but you must also keep track of the individual components that make up the project’s costs. This data is necessary to control the current project’s costs and to maintain accurate historical information for future projects. Each proj ect may require a different mix of labor, materials and equipment, so knowing the cost of the components of a project is necessary in order to successfully bid on future projects.

Decentralized Production

Most industries, like manufacturing and retail, perform their work at a centralized area where employees come to the same location day after day. Conversely, contractor employees and equipment move from job to job on a regular basis. For this reason, employees and equipment must be tracked accurately and their costs associated with the correct job.

Payment Terms

For many roofing contractors, their work consists of long-term contracts for individual projects with monthly progress payments made by the general contractor or building owner. Retention is commonly

withheld on each payment application that defers a portion of your progress payment. As a result, roofing companies must anticipate and modify accounting and other financial procedures to handle retention.

Use of Subcontractors

The use of subcontractors can have a great impact on the finances of a roofing company. It allows a roofing company to tap into a subcontractor’s financial assets during construction. Because of these unique charac teristics, a roofing company’s owner and the project manager must have a sound understanding of finan cial management and how management principles are applied in our industry. The way most financial manag ers are taught in business schools must be modified to account for our industry’s unique characteristics to manage roofing companies’ finances successfully.

Who is Responsible for Financial Management?

For our discussion and your overall company’s financial success, superintendents, project managers, estima tors, general managers and owners are responsible for all or part of the financial management of a roofing company. The person ultimately responsible for the roofing company’s financial management and ensur ing the rest of the team understands their part in the process is the owner. When your team understands the principles of financial success and the project-spe cific tasks, it will fast-track your company toward

increased profitability through sound construction financial management.

What Does a Financial Manager Do?

If not the owner, a controller or CFO is usually desig nated as the financial manager. They are responsible for seeing that your company uses its financial re sources wisely. Their responsibilities can be broken down into four extensive areas: accounting for finan cial resources, managing costs and profits, managing cash flows and making financial decisions.

Next month in part two, we will discuss these four areas of responsibility in detail.

John Kenney, CPRC has over 45 years of experience in the roofing industry. He started his career by work ing as a roofing apprentice at a family business in the Northeast and worked his way up to operating multiple Top 100 Roofing Contractors. As CEO, John is intimately familiar with all aspects of roofing pro duction, estimating and operations. During his tenure in the industry, John ran business units associated with delivering excellent workmanship and unparal leled customer service while ensuring his company’s strong net profits before joining Cotney Consulting Group. If you would like any further information on this or another subject, you can contact John at jkenney@cotneyconsulting.com.

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Sandy Seay, CEO, Seay Management Consultants

Your employee handbook is your fundamental em ployment document because it describes how you will handle work issues that arise with your employees. To meet that goal, it should be comprehensive and detailed. Some of the policies you need to include are listed below and will help to ensure that you are up to date and in compliance with employment regulations enforced by state and federal agencies. Be sure you are implementing HR best practices in terms of poli cies, procedures, manuals and documents to hire and retain good employees and motivate them to superior performance. We consider these 24 items key HR flash points and should be included in your handbook.

Employee Handbook

EEO policy – this should include the protected cat egory of “genetic information.” Some states have additional protected categories. Check your state regulations to make sure you have them all covered. Dress Code – address extreme hair color, potentially

offensive tattoos, scents and aromas that bother other employees and body piercings in places that could be distracting. Be sure to include a provision for accommodating em ployee dress code based on the religious beliefs of an employee or candidate. Cell Phone Use Policy –talking or texting at work, even if set on vibrate, taking pictures and safety issues involved while driv ing on employer business. Social Relationships at Work – a supervisor dating an employee is trouble waiting to happen. Email/Internet Use at Work – employees should be trained on how to compose emails and what Internet

sites should be avoided. Inform them that the email system is the property of the employer and that all emails are subject to being retrieved.

COVID – while we hope never to have a COVID event again, it is a good idea to have a policy covering the employer’s response to pandemic situations.

Working Remotely – More and more employees are working remotely so a remote work policy should be included in your employee handbook that covers working time, accidents at home and accountability.

Social Networking

Technology is racing forward at warp speed. Employers should develop a policy on the use of social net working at work, taking into consideration sites like Facebook, Twitter and Instagram, etc. Here are some items to consider:

■ Employers should prohibit or restrict access to social networking sites during working time and should be aware that some material that employ ees post may be protected content, even if it is critical of management.

■ Supervisors and managers should be required to stay off the personal social media pages or sites of their employees.

■ On the basis of National Labor Relations Board (NLRB) regulations, employers should refrain from

instructing employees about what they can and cannot post on Facebook or other social network ing sites.

Harassment Awareness and Prevention Training

Conduct harassment awareness training annually for all managers and employees, to build a wall of protec tion around your company. This training should include all forms of unlawful harassment including harassment based on race, religion, age, ethnicity, etc.

Bullying in the Workplace

I have often said that “the workplace mirrors society” and that whatever behavior is occurring in society will ultimately find its way into the workplace. Today, we are seeing the emergence of bullying behavior in schools and in other parts of society and this can often lead to violence at work.

Bullying can be physical, emotional or relational and often occurs in cyberspace. To prevent, eliminate or reduce bullying at work, we recommend that you develop strong anti-bullying and zero tolerance for violence policies and make absolutely sure you have a way for employees to report abuses, in a confidential and anonymous way.

Exclusive access to member benefits and a community of roofing professionals to propel your company to the forefront of the industry.

Implement a Drug Free Workplace Program

To help resolve potential drug issues at work and lower your workers’ compensation premium. Your policy should cover synthetic drugs as well.

DISC Profile

To make sure you hire the best employees that are the best “fit” for the job and the work culture, consider administering the DISC profile, which is a measure of working style:

■ Hard Driving Type A

■ People Oriented

■ Multi-Tasker

■ Detail Oriented

The DISC profile offers an opportunity to select diverse personality types to work together.

Affirmative Action Plan

Complete the annual update of your affirmative action plan according to the regulations if you are a covered employer. To be covered, you must have 50 employ ees and federal government contracts of $50,000 or more.

An AAP is a tool: a written program in which an employer details the steps it has taken and will take to ensure the right of all persons to advance on the

basis of merit and ability without regard to race, color, religion, sex, national origin, age, disability, genetic information, veteran’s status or other factors which cannot lawfully be the basis for employment actions.

EEO-1 Reports

Employers are required to complete this report each year if they have a workforce of 100 or more employ ees or if they serve as a government contractor with 50 or more employees.

Vets 4212 Reports

This report should be filed if a business has a current federal government contract or subcontract worth $150,000 or more, regardless of the number of em ployees. This is due by September 30 each year.

New Hire Reports

Regularly submit your new hire reports to the state employment agency database. Effective October 1, 2021, all Florida employers (regardless of size) are required to report new hires and rehires to the State Directory of New Hires within 20 days of hire.

Job Descriptions

Ensure that you have detailed job descriptions for every job, in compliance with ADA, EEOC and generally accepted principles of human resources management.

In addition to helping employers manage employee responsibilities, job descriptions are often a first line of defense in the event of an EEOC or DOL investigation. Employers who are covered by the Affirmative Action regulations are required to have job descriptions.

Management Training

Consider conducting several management training sessions this year on important subjects like:

■ How to counsel and dismiss employees (when necessary)

■ How to conduct performance appraisals

■ How to handle difficult employees

■ How to motivate employees to superior performance

■ Ethics in the workplace

■ How to harness the power of a type A manager: a workshop that can help produce motivation and understanding among employees and management.

Employment Labor Posters

Check that you have all current required employment posters, placed in prominent locations. Federal reg ulations require six posters and Florida requires an additional four posters. FRSA members can access these posters by visiting the members login section of the website, www.floridaroof.com.

I-9 Forms

Review your I-9 forms for completion and keep them on file for all employees. Verification requires employ ers to:

■ Examine and record documents under Columns A or B and C.

■ Make copies of the verification documents and staple them to the I-9 form.

■ File the I-9 forms in a separate location, not the regular employee file.

■ The E-Verify program is required for some gov ernment contractors; however, we recommend it even if you are not a government contractor because it is an efficient and inexpensive way of checking a candidate’s eligibility for employment.

Employee Files

Make sure employee files are complete and that they include all the documents you need (such as an application, disciplinary notices, commendations, per formance appraisals, etc.) but none of the documents that are problematic (such as polygraph records, drug test records, private and personal documents).

Some employee documents are necessary for recordkeeping and reporting and are perfectly proper,

but are of a personal, private or medical nature or have an EEO component. For these documents, have an administrative or confidential file, separate from the regular employee file.

Communications with Employees

Employers should have clear and frequent employee communications programs such as:

■ Open door policy

■ Employee complaint procedure

www.floridaroof.com

■ Bulletin boards

■ Printed or electronic employee newsletter

It is our experience that most employee problems have poor communications at the foundation.

Documentation

Make sure all of your human resource decisions and actions are fully and comprehensively documented and that you have developed and implemented a system of progressive discipline for which all of your supervisors and managers have been fully trained.

Unemployment

Remember that the unemployment office is giving away unemployment benefits like chiclets. Keep in mind:

■ In Florida, if you dismiss an employee within the 90 day probationary period, whatever benefits may be awarded should not be charged to your account.

■ Former employees should not be eligible for benefits if they are dismissed for misconduct or if they leave with “no good cause attributable to the employer.”

■ Employees who are dismissed for performance reasons will almost always be awarded benefits.

■ Check your unemployment claims report to make sure there are no fraudulent claims. Fraudulent claims are skyrocketing, particularly in the age of COVID.

National Labor Relations Board

This agency covers both union and non-union em ployees and enforces the “unfair labor practices” requirements. In addition, union membership is at a historic low and union organizing campaigns are increasing, so it’s critical to train your supervisors and managers in the landscape of what they can and can’t do. Most managers and supervisors are surprised to learn that they can do more than they think they can. A one-half day supervisory training program will resolve this issue. This is an emerging flash point that we must continually monitor.

Employee Opinion Survey

Consider conducting an employee opinion survey every 18-24 months to find out what your employees think and how they feel about their work and jobs. Many a serious employee problem has been prevented by an employee opinion survey.

Time Records

The Wage and Hour Division of the Department of Labor is targeting the question of “working time,” which the regulations define as whenever an employ ee is “suffered or permitted to work.”

If an employee is working, the employer is responsi ble for paying for this time, even if you didn’t authorize it and even if you didn’t know about it. This could include travel time, meal periods, time before and after regular work hours, homework and other time.

Employers should have a clear policy on the use of smartphones and other devices at home and during other non-scheduled work hours to conduct company related business. Make sure all employees are record ing all of their work time accurately and that you know when employees are working.

Exempt Classification

Verify that all of your exempt employees are properly classified and receive at least the minimum salary for exemption. The federal minimum level is $684 per week but some states and municipalities have a higher requirement. Remember, that one of the requirements for exemption is that employees must receive a guar anteed salary, not subject to deduction, in any week in which they perform any work at all.

Online Application and Job Postings

Consider having employees complete the application form online, through your website, rather than in per son. This can be a more efficient and less expensive process and may more quickly identify those appli cants who might be good candidates for the positions you have open. You might also want to list your open positions on your website. Candidates should com plete the application prior to the initial interview.

Human Resources Management Compliance Audit Review

This will help you reduce or eliminate any potential liability or exposure, provide you with the comfort and assurance that you are in compliance with all of the employment regulations that cover you and check to see that you have the best practices you need to hire and retain good employees.

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Seay Management Consultants is a nationally known Human Resources Management Consulting firm that has been in operation since 1966 and has more than 400 clients throughout the country. FRSA members have access to an employment hotline service to answer your questions about employment and hu man resources issues, such as compensation, wage and hour, hiring, dismissal, personnel policy and more. As an FRSA member, you are entitled to call Seay Management at 888-245-6272 and talk with our consultants whenever you have a human resources question or issue. FRSA provides this service to mem bers at no cost.

Voluntary Benefits for FRSA Members and Their Employees

Are you or your employees among the 57% of Americans who’ve had to pay for an unexpected medical bill?1 How about an unexpected dental issue? Did you say to yourself, “But, I have health insurance. I should be covered.”?

That’s why the FRSA has endorsed a voluntary benefits program created by Insurance Office of America (IOA) for the roofing industry. Ameritas has affordable PPO Dental and EyeMed Vision plans to cover you and your family. Aflac can pay you cash directly2 to help cover that medical bill or any other expenses you may have. The FRSA Voluntary Benefits program helps provide you with peace of mind when you need it most.

THESE AMERITAS PLANS ARE AVAILABLE TO YOU

Dental (PPO). Keep a bright, healthy smile with an Ameritas dental insurance policy. Our policy provides benefits for dental care in or out of network.

Vision. Don’t take your vision for granted. The Ameritas vision insurance policy is administered by EyeMed to help with the costs of vision treatment.

THESE AFLAC SUPPLEMENTAL PLANS ARE NOW AVAILABLE TO YOU

Dental (DHMO). Keep a bright, healthy smile with Aflac’s dental insurance policy. Our policy provides pre-negotiated copays for dental care at select in-network providers.

Accident. Accidents happen. When a covered accident happens to you, our accident insurance policy pays you cash benefits to help with the unexpected medical and everyday expenses that begin to add up almost immediately.

Cancer/Specified-Disease with Plus Rider. Aflac’s cancer/ specified-disease insurance policy can help you and your family better cope financially if a positive diagnosis of cancer ever occurs. The Plus Rider pays a lump sum benefit amount along with additional benefits when you are diagnosed with a covered health event.

Hospital Confinement Indemnity. Hospital stays are expensive. An Aflac hospital confinement indemnity insurance policy can help ease the financial burden of hospital stays by providing cash benefits.

Short-Term Disability. How would you pay your bills if you’re disabled and can’t work? An Aflac short-term disability insurance policy can help provide you with a source of income while you concentrate on getting better.

Critical Illness (Specified Health Event). An Aflac specified health event insurance policy is designed to help with the costs of treatment if you experience a covered health event.

Jared Mongold Program Administator

Cell: 727.565.7073

Email: aflac@floridaroof.com

contact:

1NORC AmeriSpeak Omnibus Survey: Surprise Medical Bills. August 16-20, 2018. https://www.norc.org/PDFs/Health%20Care%20Surveys/Surprise%20 Bills%20Survey%20August%202018%20Topline.pdf – accessed March 30, 2020.

2Unless otherwise assigned.

This is a brief product overview only. Benefits/premium rates may vary based on plan selected. Optional riders may be available at an additional cost. The policy/certificate has limitations and exclusions that may affect benefits payable. Refer to the specified policy/certificate for complete details, benefits, limitations, and exclusions. For availability and costs, please, contact your Insurance Office of America broker.

INSURANCE OFFICE OF AMERICA

Giving Back

Roofing Contractors

Partner with Owens Corning to Give Back

In the continental United States, the average low temperature for the lower 48 states in July was 63.6 degrees Fahrenheit, breaking the hottest nightly average in 128 years and providing no relief from scorching hot days. In other words, it’s been a tough time to be up working on a roof.

That isn’t stopping roofing contractors from providing much-needed relief to those who served in the military. Over the summer, Owens Corning Platinum Preferred Contractors thanked veterans for their service through the Owens Corning Roof Deployment Project.

FRSA Members Giving Back to the Community

The Roof Deployment Project thanks military members across the nation for their hard work and dedication in serving our country. Owens Corning provides the supplies while local roofing contractors donate the labor to install a new roof. More than 350 military members have received roofs through the program since it began in 2016. Two FRSA contrac tor members assisted in the recent installations that made headlines.

Central Florida Veteran Receives Free Roof Thanks to Universal Roof and Contracting

Earlier this month, Universal Roof and Contracting, Orlando, teamed up with Owens Corning to give Air Force veteran, William Lee Turner, a new roof over his head. Rebuilding Together Central Florida also assist ed with the project. Turner was thankful, as it saved him from having to go back onto his roof. “That’s why I was climbing the roof. I don’t have that kind of income to spend $20,000 on a roof,” stated Turner.

Mighty Dog Roofing Gives Disabled Florida Veteran New Roof

A crew from Mighty Dog Roofing, Bradenton, headed to the home of Air Force veteran Richard Eaton to in stall a new roof free of charge. Eaton served in the Air Force during Operation Desert Storm and Operation Desert Shield and has PTSD as well as light sensitiv ity. He praised Purple Heart Homes, a nonprofit that works with companies like Owens Corning to help qualified veterans who need assistance. “They are such a godsend to people, I can’t begin to tell you,” Eaton stated. “They are so professional; they are so polite.”

“We’ve helped around 300 veterans and it’s our way of saying ‘thank you for your service,’” com mented Doug Drodge, Senior Sales Manager, Owens Corning.

FRSA is proud of the volunteer work completed by members in the industry and would like to share those projects as often as possible. If you have a community service project you’ve completed, please send it to Lisa Pate at lisapate@floridaroof.com.

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away until insurers push back on questionable claims by separating real storm damages from the supposed damages that are being used by far too many to take advantage of the system.

Can All the Stakeholders Work Together to Find a Solution to Our Current Predicament?

Knee jerk reactions are far too common. The Legislature’s changes to the 25% rule are a good example. Some are now suggesting we tap the Cat Fund for temporary relief from ever increasing pre miums. Even a cursory review of the current Cat Fund condition would tell you that would be extremely risky, like placing a band aid on a festering wound. Unless consumers are willing to accept the incredible risk of forgoing insurance, they will, in most cases, have to live with increasing premiums for the time being. Insurers can’t expect consumers to take it on the chin while at the same time wasting money through lax claims handling and misguided underwriting policies. They also have to stop condemning good roofs with substantial remaining life. The roofing industry has to continue to do its part by producing more resilient roof systems and better secondary water barriers to help reduce claims. We have to continue to train contrac tors to help them better understand the proper roofing techniques and code requirements. We can also, with

the cooperation of those involved in modifying the code, make changes in the building codes that offer readily available ways to accomplish this. The legis lature must be cautious in their approach. Too often, they are developing legislation with little input from the industry they too often blame for the problem. If you want to address roofing issues, avail yourself of those with the expertise to provide practical solutions. The same approach should also be used for the insur ance industry. Finding those solutions is a tall order, but if we all work to address these very real concerns, we can help stabilize the property insurance markets and begin attracting insurers back to Florida and start reducing premiums through regular market forces. FRSA has proven to be a strong partner in finding and implementing real solutions. We are here to help while also working to restore our industry’s good reputation.

FRM

Mike Silvers, CPRC is owner of Silvers Systems Inc., and is consulting with FRSA as Director of Technical Services. Mike is an FRSA Past President, Life Member and Campanella Award recipient and brings 50 years of industry knowledge and experience to FRSA’s team.

U.S. POSTAL SERVICE STATEMENT OF OWNERSHIP, MANAGEMENT, AND CIRCULATION (Required by USC 3685) Publication title: Florida Roofing Magazine; 2. Publication No. 0191-4615; 3. Filling Date 10/1/2022; 4. Issue Frequency: monthly; 5. Number of Issues: 12; 6. Annual Subscription Price: $0; 7. Complete Mailing Address of Known Office of Publication: 3855 N. Econlockhatchee Trail, Orlando, FL 32817; 8. Complete Mailing Address of Headquarters or General Business Office of Publisher: 3855 N. Econlockhatchee Trail, Orlando, FL 32817; 9. Full Names and Complete Mailing Address of Publisher, Editor and Managing Editor: Florida Roofing and Sheet Metal Contractors Association Inc., 3855 N. Econlockhatchee Trail, Orlando, FL 32817; Publisher: Lisa Pate, Florida Roofing and Sheet Metal Contractors Association Inc., 3855 N. Econlockhatchee Trail, Orlando, FL 32817; Editor: Lisa Pate, 3855 N. Econlockhatchee Trail, Orlando, FL 32817; Managing Editor: Lisa Pate, 3855 N. Econlockhatchee Trail, Orlando, FL 32817; 10. Owner: Florida Roofing and Sheet Metal Contractors Association Inc, 3855 N. Econlockhatchee Trail, Orlando, FL 32817; 11. Known Bondholders, Mortgagees, and Other Security Holders: None; 12. Tax Status-The purpose, function, and nonprofit status of this organization and the exempt status for federal income tax purposes: Has Not Changed During Preceding 12 Months; 13. Publication Title: Florida Roofing Magazine; 14. Issue Date for Circulation Data Below: October 1, 2022; 15. Extent and Nature of Circulation: 15a. Total Numbers of Copies: Average No. Copies Each Issue During Preceding 12 Months: 5,000; 15a. Number of copies of Single Issue Published Nearest Filing Date: 5,000; 15b. Legitimate Paid and/or Requested Distribution: b.1. Outside-County Paid/Requested Mail Subscriptions Stated on PS Form 3541: None; b.2. In-County Paid/Requested Mail Subscription Stated on PS Form 3541: None; b.3. Sales Through Dealers and Carriers, Street Vendors, Counter Sales, and Other Paid or Requested Distribution Outside USPS: None; b.4. Requested Copies Distributed by Other Classes of Mail Through the USPS: None; c. Total Paid and/ or Requested Circulation: 5,000; 15d. Nonrequested Distribution; d.1. Outside-County Nonrequested Copies included on PS Form 3541: None; d.2. In-County Nonrequested Copies Included on PS Form 3541: None; d.3. Nonrequested Copies Distributed Through the USPS by Other Classes of Mail: None; d.4. Nonrequested Copies Distributed Outside the Mail: None; e. Total Nonrequested Distribution: None; f. Total Distribution: 5,000; g. Copies Not Distributed: None; h. Total: 4 None; i. Percent Paid and/or Requested Circulation: 100%; 16. Electronic Copy Circulation; a. Requested and Paid Electronic Copies: None; b. Total Requested and Paid Print Copies + Requested/Paid Electronic Copies: None; c. Total Requested Copy Distribution + Requested/Paid Electronic Copies: None; d. Percent Paid and/or Requested Circulation: None; 17. Publication of Statement of Ownership for a Requestor Publication is required and will be printed in the October 2022 issue of this publication.

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