bristol norfolk home builders association, inc. · pdf filersmc’s first goal was to...

The official newsletter of the

Bristol Norfolk Home Builders Association Inc

November 2007

New Resource Offer Builders Unbiased Thorough and Easy

Access to Mold Prevention Solutionsby Mike Poellinger Chariman Responsible Solutions to Mold Coalition

With so many products on the market that can help to re-duce and prevent mold it is critical for home builders to fil-ter through it all and know the facts Instead of commercial product recommendations builders need access to unbiased information gathered by an unbiased non-profit organization That is why the Responsible Solutions to Mold Coalition (RSMC) made up of government environmental and indus-try experts was formed in 2006 at the International Builders Show in Orlando Our mission is to educate by emphasizing best building practices Of those practices the key to mold prevention is to prevent moisture This is science-based infor-mation that if adhered to will save builders and homeown-ers tens of thousands of dollars in repairs Mold prevention is simply a smart investment

RSMCrsquos first goal was to produce a top ten list of information sources for mold prevention and treatment for both the build-er and the consumer The resulting resources were selected not just because of their credibility but their accessibility

continued on page 9

508-252-3359 wwwpropanepluscom

Heating amp Cooling

Build with

Ask about our Builder Specials

Specializing inUnderground Tank Installations

Board of Building Regulations and Standards (BBRS) News Including

November 2007 Public Hearing Information

The BBRS would like those interested in recent news associated with the activity of the Board to be able to obtain it quickly and easily In addition BBRS would like this news to be available to a wide audience

To do this an on-line storage site has been set up for access to BBRS news via the internet The news is in the form of files in formats common to most users The content of the list is described below and you can click on the links to go directly to the list of files

Located at this site are files associated with

the BBRS Monthly Meetings including agendas and ap-proved meeting minutes

ldquoWhat Newrdquo Training Material for the 7th edition of the 1 amp 2 Family MA code

By second week of October these will be available

Note DPS Web-presented Building Code changes for the November 6 2007 PublicHearing are broken down into the following 2 general categories

continued on page 8

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A Publication of the Bristol Norfolk Home Builders Association Inc

OfficersPresident Alden L Hurder Jr

Builder VP Donald J BryanAssociate VP Lawrence Pitman

Treasurer Charles P MagriClerk Richard W Gagnon

Executive Officer Ronald F Costello

DirectorsBrian E Dunn (Immediate Past President)

Donald A Baker Michael McDoleJason J Delgado Austin W McHoul Esq

Thomas M George Gregory P SpierKelli JH Kassor William D Ward Jr

National DirectorsRobert Cole Charles P Magri

65 Neponset Avenue Suite 3Foxborough MA 02035-2038

50854324195085432412 ndash Faxbuilderbnhbacom

wwwbnhbacom

Page 2

BBRS Changing 7th Edition of the Building Code

ldquothe 7th Edition is a ldquoliving documentrdquo BBRS requests input from

housing professionals so that as many as possible correctionsclari-

fications can be instituted before the January 1 2008 EFFECTIVE

DATE To help with this BBRS has established a BBRS NEWS WEB

PAGE Here is how to access BBRSNEWS

Go to httpwwwflipdrivecomloginphp and log in with User Name

lsquobbrsrsquo and Password lsquobbrsnewsrsquo Click on lsquoMy Driversquo and then lsquoMy Doc-

umentsrsquo to view the latest updates

Message From The President

In recent weeks a request was made asking BNHBA members to get involved in mak-ing some home repairs to help Laurel Fon-

taine an 11year old twin girl a victim of a massive stroke Access to the house with a new walkway front stair repairs and additional interior railings were needed BNHBA members came to the plate to help

A special thanks goes out to Tom Walsh of Boro Sand amp Stone Corp and Mike McDole of National lumber for supplying all the mate-rials and to Don Bryan Bryan Construction Inc Tom George TMG carpentry Inc Austin McHoul Austin W McHoul amp As-sociates Don Baker D A Baker Construction Co Inc and Bill Ward W B Construction amp Development Inc for their sincere efforts supplying all the labor needed to complete these tasks

Irsquom very pleased to see Bristol Norfolk Home Builders Association Inc get involved in the community to help make Laurelrsquos recovery a little easier I had the pleasure of meeting Laurel She is a sweet smiling-faced young girl I know she is most grateful for the efforts of our BNHBA members I understand that she has already taken her first steps on the new walkway Way to go Laurel Thanks again guys

Respectfully

Al Hurder BNHBA President 20072009

Information Disclaimer - The information contained in this newsletter is intended to inform and not advise All references to or summaries of any federal state or local law regulation or code are provided by the Bristol Norfolk Homers Association as a convenience to the reader and are not intended to be legal advice and should not be relied upon as legal advice Legal advice may only be given by an individual duly licensed to practice law in the Commonwealth of Massachusetts Persons seeking legal advice on buying selling renting or building a home or any aspect of home construction or residential development are encourage to contact an attorney

ADVERTISING - While the Bristol Norfolk Home Builders Association accepts advertising in its publications it endorses no products or services and no warranty either expressed or implied is given by the association or its officers and directors as to the quality or accuracy of the information provided in said advertising

Continued on page 8

Page 3

A Message from HBAM President

Mark LeffTomorrow (Thursday October 11) the Commonwealth Housing Task Force (CHTF) will announce its recommendation for a new program to stimulate the production of at least 11000 ldquostarter homesrdquo to address the needs of the young educated workforce that is leaving Massachusetts and threatening the statersquos economic fu-ture While laudable in its intent the proposal will do little if any-thing to produce new housing I am writing to you to let you know of the HBAMrsquos involvement in this issue and our plan to offer a meaningful effective solution to the most critical housing problem confronting the state -- the lack of single-family detached homes that are affordable to this key population demographic

For the past seven months the Home Builders Association of Mas-sachusetts has been meeting regularly with a number of interested organizations and individuals to develop a bold legislative initiative to facilitate the production of new single-family homes on small lots The focus of this effort was on the construction of ldquostarter homesrdquo for young families -- the kind of housing that our members cannot build due to local zoning subdivision and other regulations that intentionally promote expensive homes on large lots

Our work on this issue was informed by the ex-haustive studies conducted by the Pioneer and Rappaport Institutes in 2006 that documented the land use regulations in 187 cities and towns in Eastern Massachusetts and their effect upon housing production and housing prices This groundbreaking research was initiated and partly funded by the HBAM

In addition to the HBAM the other organizations that had been involved in this effort were the Massachusetts Association of Re-altors the Greater Boston Real Estate Board the Massachusetts Chapter of the National Association of Office and Industrial Prop-erties the Pioneer Institute for Public Policy and the Common-wealth Housing Task Force (a committee of the Boston Founda-tion)

The Commonwealth Housing Task Force was the primary advocate for Chapter 40R the smart growth zoning and housing production act Chapter 40R is a voluntary program that utilizes financial in-centives from the state to encourage cities and towns to zone for mixed-use and higher density development in smart growth loca-tions

At the outset of our meetings the CHTF suggested that Chapter 40R should be the model for a program to produce ldquostarter homesrdquo The HBAM strongly disagreed

It was our view that Chapter 40R is unlikely to be an effective mechanism for ensuring a substantial increase in the production of starter homes for the following reasons

participation by a community is voluntary and resistance to family housing is strong

40R facilitates mixed-use development that typically has less of an impact upon local school population than a single-family development

mixed-use developments have the potential to produce greater tax revenue at less cost to a community than single-family de-velopment

the 40R process is complex and expensive making low volume starter home development less economically feasible

the 40R process is time consuming due to both the need to receive prior state approval of proposed 40R districts and the necessity of local adoption of the overlay zoning

40R developments are limited to ldquoeligiblerdquo smart growth loca-tions that in many instances may not be appropriate for starter homes

The position of the HBAM was that to be effective a starter home initiative must include more than financial incentives from the

state It must include a meaningful disincentive so that communities donrsquot simply choose not to participate in the program Exactly what would be an appropriate ldquodisincentiverdquo or consequence for those towns that continue to refuse to per-mit the construction of starter homes was a topic we had been debating until the CHTF suddenly broke off negotiations a few weeks ago

We had also been discussing mandating a starter home goal for all cities and towns This could be done either by establishing a mini-mum size for starter home zoning districts that every community must adopt or by setting a modest numerical goal of starter homes that every community would have to approve Again these issues were on the table when the CHTF announced that it had decided to go forward with its own starter home program

Regrettably the CHTF starter home program relies upon a purely voluntary incentive laden approach to encourage housing produc-tion It is an approach that the HBAM is convinced will not work

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Page 4

Page 5

Public Affairs Update Fall 2007

HBAM INFLUENCES BUILDING CODE REVISION

The Home Builders Association of Massachusetts (HBAM) has built a strong relationship with elected officials in the legislature and governorrsquos office and appointed officials throughout the ad-ministration in order to have a voice in conversations about envi-ronmental issues statewide housing and smart growth programs affordable housing and legal issues Since the election of Deval Patrick as Governor and the appointment of several new leaders in key positions at The Executive Office of Housing and Economic Development and the Department of Housing and Community Development HBAM has worked assiduously to create new rela-tionships with these officials

Though this work often takes the spotlight behind the scenes a group of leaders from the HBAM has been a major source of influ-ence in creating the 7th Edition of the Massachusetts State Build-ing Code for One and Two-Family Dwellings For much of the five year process (yes you read correctly) HBAM was fortunate to have Harry Smith Mel Fink and Paul Moriarity as advocates for our members in ensuring that the code changes were actually necessary for public safety and did not result in an undue burden on our members

Fire Safety Issues

For the past three years the National Association of State Fire Mar-shals has been lobbying to add an amendment to the International Residential Code that would mandate the installation of automatic fire sprinkler systems in all new one- and two-family dwellings Using slogans like ldquofire sprinklers save livesrdquo the campaign is ap-pealing on an emotional level However there is no solid data that show that sprinklers alone save lives typically it is smoke detectors that provide the life saving benefits while sprinklers help reduce property damage

The HBAM is extraordinarily committed to building standards that place a primary importance on safety supporting a wide range of rules on smoke alarmsdetectors fire resistant materials and structural approaches (such as window and door placement) But with the added cost of these systems estimated at $4000 to $5000 for an average house and no real data to show an additional benefit to human safety our leadership fought against adoption of a new sprinkler mandate Of particular concern was the fact that such a mandate would keep as many as 1 million families out of new hous-

ing and leaving them in many cases in sub-standard housing where their lives are more at risk

Our team consistently made the case that the data did not support a new sprinkler mandate and HBAM in conjunction with NAHBrsquos efforts at the national level was instrumental in keeping mandated sprinklers for one and two family dwellings out of the main body of the Intermnational Residential Code (IRC) leaving it as an ap-pendix despite a huge turn out by fire services personnel at the ICC final code hearings in Rochester NY in May The Massachusetts State Building Code for One and Two Family Dwellings is based on the 2003 IRC

Wind

The builders on Cape Cod and in several other communities who poured through the 7th edition in greater detail in late spring found an unexpected surprise an expansion of the 120 miles per hour Wind Load Zone This zone requires full compliance with wind-borne debris and anchoring requirements and would have significantly affected costs in this area which covered every town east of the Cape Cod Canal from Scituate in the north around to Swansea in the south including the islands The estimated increase in the cost of these impact-resistant windows and doors was any-where from 60 percent to 80 percent according to local window industry representatives For example a window package currently priced at $10000 would range from $16000 to $18000 under the new code

Home Builders and Remodelers Association of Cape Cod quickly joined other members of the industry in mobilizing to oppose these new regulations The Board of Building Regulations and Standards responded to the outcry by forming a Task Force on Hurricane Resistant Construction (TFHRC) The task force was chaired by Harry Smith and consisted of representatives from the insurance industry building trades building inspectors coastal engineer-ing affordable housing advocates weather experts members of the State Legislature the State Insurance Commissioners Office ISO and other relevant industry representatives

Ultimately the vote of the Board of Building Regulations and Standards to roll back the wind load from 120 to 110 miles per hour (significantly reducing the financial impact) was upheld by the task force and new code change language was recommended The task force also addressed the so called ldquoWind Borne Debrisrdquo zone which is defined as one mile inland from coastal mean high wa-ter making several recommendations on how this zone is defined These recommended code changes will be heard at the BBRS semi annual Public Hearing on Nov 6 2007 at the Hurley Building Minihan Hall 6th Floor 19 Staniford St Boston MA The builder voice made a real difference on this issue and all are welcome to at-tend the November Public Hearing

continued on page 7

Page 6

GENERAL MEMBERSHIP MEETING

More than 3 dozen Bristol Norfolk Home Builders Association Inc mem-bers gathered for the season ldquoKick Offrdquo meeting at The Chateau Norton sponsored by BNHBA members E Osterman Inc propane gas sales and services Alden L Hurder Jr BNHBA President provided an overview of the extraordinary success of the classes for the Introduction to the 7th Edi-tion Massachusetts Building Code for 1 amp 2 Family Dwellings Al a Di-rector of the Home Builders Association of Massachusetts is a member of the HBAM Education Committee He said 696 housing professionals at-tended the classes during 3 different presentation dates The presentations were delivered by key members of the Commonwealth of Massachusetts Department of Public Safety Board Of Building Regulations amp Standards The code is now in place and will become ldquothe law of the landrdquo on January 1 2008 BNHBA expects to conduct another class in November 2007 at The Bank Of Canton a BNHBA member Keep posted for details

New and long term members networked and enjoyed a grand evening of fun food education about the benefits of propane gas and shared their ex-periences of dealing with the challenges of the economy

The program for the evening dealt with the benefits of propane gas Chris Kowalski Sales Manager E Osterman Inc Whitinsville made a Power Point presentation Stuart Briggs of E Ostermanrsquos Bridgewater office addressed ques-tions outlined codes focused on the growth of propane in local construction Mr Kowal-ski detailed the safety of modern day propane tanks He noted most tanks are being buried He outlined the costbenefit analysis for homes that heat cook dry clothes make hot water and have stand-by electric generators Of particular audience interest is the ultra-high efficiency pro-pane gas hot water heaters The venting of these devices was an area of numerous questions

Photo by Ann Marie Kurko

Bristol Norfolk Home Builders Association Directors and Officers July 1 2007 ndash June 30 2008 Back Row-Left to Right William D Ward Jr W B Construction amp Development Donald A Baker D A Baker Construction Co Inc Gregory P Spier Maystar Realty Corporation Alden L Hurder Jr Hurder Homes Inc Charles P Magri Westwind Development Inc and Home Team Inspection Donald J Bryan Bryan Construction Inc Front Row Left ndashRight Thomas M George TMG Carpentry Inc and Law-rence J Pitman Norwood Bank at the September 26 General Member-ship Meeting


Left to right Stuart Briggs ldquoDan The Manrdquo and Chris Kowalski of E Osterman Inc Propane Gas Sales and Services Chris later give our group a presentation on the features and benefits of ultra-high efficient propane hot water heates and venting systems

BuilderSTEVE HANSEN

HANSEN ASSOCIATES INC

33 EASTERN POINT DRIVESHREWSBURY MA 01545

5087553858SPONSOR

LAWRENCE J PITMAN

AffiliatePAUL C LAUDANI

EASTERN PROPANE GA

11 FORGE PARKWAYFRANKLIN MA 02038

5085414111wwweasterncom

SPONSOR

BRIAN E DUNN

AssociatesDAVID J PAULHUS

PAULHUS BROTHERS FLOORCOVERING

PO BOX 3305N ATTLEBORO MA 02761

5086996999wwwpbflooringcom

SPONSOR

ALDEN L HURDER JR

GLEN C LARKIN

EASTERN PROPANE GA



SPONSOR

BRIAN E DUNN

WELCOME NEW MEMBERS

Page 7

Propane Usesby Chris Kowalski Sales Manager E Osterman Inc

Propane is rapidly growing as the fuel of choice for homeowners across Southeastern Massachusetts Beyond just cooking and fire-places Propane is gaining share as the main fuel source for more homes everyday Customers are demanding gas features as well as a desire for environmentally efficient fuels

Propane uses in the home

HeatingHot waterFireplaceCookingPool Heat

bullbullbullbullbull

Backup GeneratorOutdoor LivingClothes DryerGarage Heater

bull

bullbullbull

Propane is the perfect choice for builders and your customers Herersquos why

Environmentally Friendly ndash Propane is non-toxic and com-pared to gasoline propane yields 12 percent less carbon di-oxide about 20 percent less nitrous oxide and as much as 60 percent less carbon monoxide

Efficient ndash New gas-fired heating equipment operates at up to 98 efficiency In addition most gas appliances require no annual maintenance or cleaning like oil equipment Most gas heating appliances also meet Energy Star certifications

Attractive ndash Propane tanks can now be placed underground This eliminates the eyesore and objections to aboveground tanks Tanks are warranted for 40 years and in the event of a leak the propane dissipates into the ground without polluting the soil or groundwater

Reliable ndash 80 of our Propane supply comes from the United States Propane goes places where natural gas is not available In addition many gas appliances can operate without electric-ity or you can use Propane to fuel a backup power generator

Good Value ndash Cooking clothes drying and water heating with Propane costs half as much versus electricity Seasonal heating costs are comparable to fuel oil but without the cost of annual maintenance and a reduced electric bill Propane is the winner

Profitable ndash Since most gas appliances direct-vent there is no need for a central chimney Also with no oil tank downstairs you increase the usable floor space and the option for a finished basement

For more information visit wwwusepropanecom

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Public Affairs Update Fall 2007Continued from page 5

As a result of the impending code change regarding the wind load zones the BBRS at their September meeting voted to extend the overlap period of the 6th Edition of the 1 amp 2 Family Code

from Oct 1 2007 to Jan 1 2008 However it is important to note that if a builder wants to build under the 6th Edition this must be declared in writing at the time of the permit application

Process

In order to ensure that Massachusetts has greater influence on the International Code Committee (ICC) Harry Smith our represen-tative on the BBRS met with Thomas G Gatzunis the Commis-sioner of the Department of Public Safety to discuss these issues As a result of the meeting Commissioner Gatzunis encouraged a number of staff members and other state officials to become more involved and 10 new voting members from the public safety com-munity have been added to the ICC voting rolls including the BBRS board members and staff

The Future

The HBAM will be reinvigorating the Building Codes amp Regu-lations Committee (BCRC) to continue working on these issues and ensuring that as the 7th edition is phased in there is a clear ad-vocacy voice in support of the builder perspective if issues need to be addressed Any member with an interest in building code issues is encouraged to attend the next meeting of the committee

In addition HBAM is hosting a series of building code training seminars by the BBRS staff on the 7th Edition of the 1 amp 2 Family Code that have been very well received by the builder community We will continue to provide trainings on key elements of the code and offer updates as issues emerge

New anti-snarl alert 511 number

State highway officials are about to unveil a new ldquo511rdquo dial feature for cell phone users to obtain traffic problem advisories if they are heading into the Greater Boston area The system is run by Smart-Route Systems There is an existing system that cell phone users can access by dialing 1 on their cell phones Watch for ads announcing the start date for the new system

Page 8

Spike Club AwardsAlden L Hurder Jr BNHBA President presented two BNHBA members National Association of Home Builder Awards recognizing their commitment to growing membership in the Bristol Norfolk Home Builders Association the Home Builders Association of Massachusetts and the National Association of Home Builders

Gregory P Spier BNHBA Director BNHBA Past President and Past President of the Home Build-ers Association of Massachusetts of Maystar Realty Corporation received the Royal Spike Award having achieved more than 200 SPIKES for having enrolled and retained members

Donald J Bryan BNHBA Builder Vice President BNHBA Membership Chair and Home Builders As-sociation of Massachusetts Alternate Director of Bry-an Construction Inc was inducted into the SPIKE CLUB having garnered 11 SPIKES for enrolling and retaining members in BNHBA HBAM and NAHB

What a terrific job these members are doing to grow a strong and vibrant home builders organization


Al Hurder BNHBA President right pres-ents Greg Spier BNHBA Director and Past President of BNHBA as well as Director of the Home Builders Association of Massa-chusetts and past President of the Home Builders Association of Massachusetts a special trophy from the National Associa-tion of Home Builders for having earned more than 200 ldquoSPIKESrdquo for enrolling and retaining members in BNHBA


Donald J Bryan Bryan Construction Inc left receives a ldquoSPIKErdquo commendation from the National Association of Home Builders from BNHBA President Al Hurder Donrsquos com-mendation is for his successful recruiting of new members during the May 2007 cam-paign Don is the BNHBA Membership Chair and also Alternate Director for the Home Builders Association of Massachusetts

Message from Mark Leff Continued from page 3

Hoping that communities will step up and do the right thing in the face of the reality that these communities have intentionally zoned for expensive homes on large lots is naive at best There is simply not the local willpower to overcome the vocal NIMBY forces that will oppose starter home projects in many exclusionary suburbs no matter how large the financial giveaway by the state

I assure you that the Home Builders Association of Massachusetts will continue to work diligently with other interested parties to de-velop a starter home initiative that will require all communities to do their fair share to solve this problem It will be a proposal that will be straightforward targeted market-oriented environmen-tally responsible and most importantly effective

Mark Leff

President Home Builders Association of Massachusetts

BBRS Public HearingContinued from page 1

Code Change Proposals for the 7th edi-tion of the 1 amp 2 Family MA Code and The new Proposed 7th edition of the Basic Code and Ad-ditional Proposed Code Changes from the general public (131mb)

The code change proposals and new Basic Code will be presented for Public Comment on November 6 2007 from 1 to 4 pm at the Hurley Building 19 Staniford Street 6th Floor Minihan Hall Boston MA

If you have questions comments or suggestions please forward them to mikeguiglistatemaus

BBRS meeting agendas will be loaded the Friday or Monday be-fore the normal meeting dates (2nd Tuesday of each month)

bull

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HBAM Education Series PresentsNew monitoring procedures for Chapter

40B cost certification

930 AM Thursday December 12 2007

provided by MassHousingOne Beacon Street Floor 29 Boston MA

Fees HBAM members $3500 non-members $5500

Space is limited - Online Registration Required wwwhbamacom

Mold Resourcescontinued from page 1

A California Builderrsquos Guide to Reducing Mold Risk httpwwwenergycagov

Building Science Corporation httpwwwbuildingsciencecomresourcesmold

The Homeownerrsquos Guide to Mold httpwwwreedconstruc-tiondatacompressReleaseCA6354118html

Some Methods of Dealing with Mold Recognize Remove and Remediate Mold and Mildew httpwwwfplfsfedusahrcmoldmold-methodshtml

Moisture Resistant Homes A Practical Guide and Plan Re-view Tool for Builders and Designers httpwwwpathnetorgspaspid=18574

Resources for Consumers for Disaster Recovery and Building Reconstruction httpwwweereenergygovbuildingsdisas-ter_recoverydr_consumershtml

Mold Internet References Available to the Public httpwwwextensionumneduadministrativedisasterresponsemoldrefshtml

Mold and Moisture Management in Buildings httpwwwashraeorgsearchq=mold+and+moistureampx=23ampy=10

A Brief Guide to Mold Moisture and Your Home httpwwwepagovmoldmoldguidehtml

A Brief Guide to Mold in the Workplace wwwoshagovdtsshibshib101003html

These resources are quite detailed and thorough However if time is of the essence and you want quick answers to for mold control our web site at httpwwwresponsiblemoldsolutionsorgpreventionhtm has them for you

How to effectively control mold by controlling moisture

Are mold-resistant products the answer

What are some mold-avoidance strategies

What should I do if I find mold in my home or office

Moisture control and best building practices are the key to fighting mold

As we mentioned the RSMC doesnrsquot limit its mission to helping

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contractors We are reaching out to the consumer with timely tips such as preventing mold during hurricane season

Feel free to share these with your clients

Reduce humidity by venting to the outside bathrooms dryers and other moisture-generating sources like showers stoves and dishwashers

When weather permits open doors and windows increasing airflow

Ensure your doors and windows have flashings that expel moisture out of your home

A small patch of mold can be cleaned with detergent or house-hold cleaners and warm water

If you find evidence of moisture intrusion find out where it originates and fix it

Taking steps to prevent moisture intrusion and mold are usually inexpensive but ignoring them can be costly Please include mold prevention in your hurricane preparation

As our next major goal the RSMC is developing a list of ldquoGuiding Principlesrdquo for the industry designed to help the greatest number of builders contractors building owners and homeowners avoid mold With our Guiding Principles on moisture and mold control will come solutions on how to make homes and offices healthier and more comfortable spaces in which to live and work This will give builders a complete guide from some of the best technical experts in our industry The list is expected to be published in late 2007

The general news media and our industry trade publications such as this have joined our efforts to educate builders and consumers about mold prevention and treatment You can take it a step fur-ther by taking advantage of our research and sharing appropriate information with your contractors and customers They will thank you for it and we thank you now for joining us in this important effort to design build and maintain dry comfortable homes and buildings

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Page 9

Massachusetts health insurance costs rising

About 127 000 people have registered for the state-subsidized health insurance program Of these 79000 are fully subsidized Leslie Kirwan chairman of the connectorrsquos board and state secre-tary of administration and finance is aware that the state has not budgeted for that much success She is evaluating the impact

Wersquore the people behind the worldrsquos greatest appliancesClarke is New Englandrsquos exclusive distributor of Sub-Zero Wolf KWC ASKO and Best From budgeting and pricing

to keeping your buyers happy after move-in day Clarke offers the kind of hands-on service you wonrsquot find

anywhere Clarkersquos dedicated staff of professionals are specifically trained for high-end development projects

and are with you before during and after construction Itrsquos a standard of service thatrsquos unparalleled in the industry

For more information on just what (and who) is behind it all call Joe Tanguay of our Business Development Team

at 1-800-842-5275 ext 225

Come Explore

Play

393 Fortune Boulevard Milford MA bull 64 South Main Street South Norwalk CT bull come visit our new website at wwwclarkecorpcom

1

Did You KnowThere is a critical Microsoft patch kit to secure your Windows Internet Explore browser If you have not installed it yet do so immediately Visit updatemicrosoftcom for more info

All indications are that the Federal Reserve system is less wor-ried about inflation as a problem and is more concerned about the slumping consumer confidence and is likely to continue to reduce interest rates to avert a recession

Barry Bluestone Dean of the School of Social Sciences Ur-ban Affairs and Public Policy at Northeastern University was interviewed by WBUR 909 FM on Thursday October 11 2007 He outlined the ldquoPerfect Housing Stormrdquo ldquodeclining home values a trouble mortgage market flat or falling in-comes and a drop in housing startsrdquo all coming together at the same time He notes that there has been no increase in real income in Massachusetts since 2000 The observation is that young families are leaving Massachusetts in very large num-bers due to extreme housing costs This will kill the Massachu-setts economy It has to be addressed Go to wwwwburorg to hear the interview Real Player is needed to hear it

The Massachusetts Fair Plan basically a high risk pool or ldquothe insurer of last resortrdquo is being challenged by Attorney General Martha Coakley The Plan is seeking still higher rates Coak-ley notes that the Plan is earning excessive profits and contends that the rates ought to be reduced Anyone with coastal expo-sure property already knows too well how expensive Hom-eowners Insurance is in the Fair Plan The Fair Plan agrees that is has made significant profits but also says its profits could be easily erased by a single catastrophic weather event The hear-ings will begin Coakley is moving to reduce Fair Plan rates

Massachusetts home values have reduced about 5 in the past year

Home heating oil is expected to rise to $288 per gallon this winter

Mortgage rates have dropped for both fixed rate and adjustable contracts

KB HOMES of California incurred a $356 million loss for the third quarter 2007

New home sales hit a 7 year low in August 2007 Another rea-son for the Fed to continue rate cuts

Wellesley is moving to try to stop the building of large homes-called McMansions-that planners say are out of scale with property in the area Builders say they are building what the buyers want Mark Leff President of the Home Builders As-

1

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8

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10

sociation of Massachusetts wrote a letter to the editor of The Boston Globe protesting yet another planning rule to suppress housing creation

Lennar Corp one of the nationrsquos largest home builders reports a $5139 million loss and is cutting its workforce by 355

Foreclosures hit record heights in August 2007 This is causing price reductions in the housing market as inventory of homes for sale increases Improvements are expected in 2009

Cambridge MA based GreatPoint Energy Inc has devel-oped technology to convert coal to natural gas and has raised $100 million to fund construction of a demonstration plant The company is seeking sites in Massachusetts Canada and ALONG THE GULF COAST The process uses a patented catalyst that reacts with coal and steam to produce the natural gas and solid waste by-products

The Social Security System is facing a $136 TRILLION short-fall in the coming years

NRG Energy Inc has filed 2 applications to construct the first new nuclear electric generation plants in 30 years The plants are to be sited in Bay City Texas Electric use is to increase by 42 by 2030

Countrywide Financialrsquos CEO Angelo Mozilo earned $4298 million in 2006 In 2007 Countrywide cut 12000 jobs

Homes valued $1 million or more are selling briskly in Mas-sachusetts up 96 so far this year

Your Massachusetts tax dollars ARE at work the state Divi-sion of Fisheries and Wildlife has bought or placed develop-ment restrictions on nearly 2000 acres according to Mary Griffin the agencyrsquos commissioner who is committed to spending $50 million over the next 5 years Aside from the fact that the Commonwealth is in direct competition with housing professionals to acquire land wouldnrsquot it be nice to get some of that money to improve the statersquos infrastructure-RATHER THAN RAISE TAXES

The Commonwealthrsquos Executive Office For Transportation has decided it will take a ldquofresh lookrdquo at the Stoughton to Fall River rail extension by letting a 2002 Massachusett Environ-mental Policy Act certification expire in July 2007 This action places the South Coast Rail Project back on ldquosquare onerdquo

Do you know that Massachusetts is a ldquoLocal Emphasis Pro-gramrdquo state for Residential Construction as defined by OSHA Do you have a safety program for your company Want to know more go to wwwbnhbacomFor_Builderssafety_resourceshtm

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Page 12

OSHA 10 HOUR SAFETY CERTIFICATION CLASSES

MONDAY DECEMBER 10 amp 17 2007 ONE CLASS WILL START AT 800 AM

ONE CLASS WILL START AT 12 NOON

THE BANK OF CANTON 490 TURNPIKE STREET (RTE 138)

CANTON MA 02021

$5000 PER HOME BUILDER ASSOCIATION MEMBER $7500 PER NON-MEMBER

PRE-PAID REGISTRATION IS REQUIRED REGISTRATION INCLUDES LIGHT FOOD AND BEVERAGE

REGISTRATIONS CLOSE DECEMBER 3 2007

OSHA 10 HOUR SAFETY CERTIFICATION CLASSESDEC 10 amp 17 2007

THE BANK OF CANTON 490 TURNPIKE ST (RTE 138) CANTON MA 02021

YOUR NAME

COMPANY NAME

JOB DESCRIPTION

YOUR ADDRESS

SUITEUNITBUILDINGAPARTMENT

TOWN STATE ZIP

YOUR TELEPHONE EXT

YOUR EMAIL

YOUR WEB SITE

YOUR FAX

Registrations must be received by Bristol Norfolk Home Builders Association Inc before Dec 3 2007 All checks payable to BNHBA Inc Mail registrations amp checks to

Bristol Norfolk Home Builders Association Inc 65 Neponset Avenue Suite 3

Foxborough MA 02035-2038 QUESTIONS CALL 5085432419

OCTOBER 2007

17 530 PM Wed BNHBA ldquoNetworking Nightrdquo hosted by Fergu-sonJ D Daddario Franklin MA

24 530 PM Wed BNHBA Board Of Directors Meeting BNHBA Office

30 400 PM Tues HBAM Board Of Directors Mtg Doubletree Inn Westborough MA

30 530 PM Tues BNHBA General Membership Meeting The Chateau Norton MAProgram Risk Managment

NOVEMBER 2007



28 530 PM Wed BNHBA General Membership Meeting The Chateau Norton MAProgram Business Killers

DECEMBER 2007

10 800 AM Wed OSHA Safety Certification 10 Hours Class



JANUARY 2008



30 530 PM Wed BNHBA General Membership Meeting The Chateau Norton MAProgram Green Building as a Profit Center

FEBRUARY 2008

13 - 16

INTERNATIONAL BUILDERS SHOW ORLANDO FLORIDA

FEBRUARY 2008 (cont)



27 530 PM Wed BNHBA General Membership Meeting The Chateau Norton MAProgram To Be Announced

MARCH 2008



26 530 PM Wed BNHBA General Membership Meeting The Chateau Norton MAProgram Letrsquos Talk Marketing NOMINATIONS

APRIL 2008



30 530 PM Wed BNHBA General Membership Meeting The Chateau Norton MAProgram Aging in Place ELECTION

MAY 2008



28 530 PM Wed BNHBA General Membership Meeting The Chateau Norton MAProgram INSTALLATION BANQUET

JUNE 2008


25 530 PM Wed BNHBA ldquoNetworking Nightrdquo Location to be determined

CALENDAR OF EVENTS

bull Please visit wwwBNHBAcom for full details and to reserve your seats on all events bull

Page 13

visit wwwbuildersshowcom for more info

BRISTOL NORFOLK HOME BUILDERS ASSOCIATION INC65 Neponset AveSuite 3Foxborough MA 02035-2038

Visit us on the web at wwwBNHBAcom

Creating Housing - The American Dream

Do business withmember companieswwwBNHBAcom

BNHBA PresentsOSHA SAFETY

CERTIFICATION COURSEHosted by

The Bank of Canton490 Turnpike Street Route 138 Canton MA 02021

Register online at wwwbnhbacom or use the form on Page 12

REGISTER EARLY - SEATING IS LIMITED

BNHBA General Membership Meeting amp

Networking EventProgram By

Tom Messier Mason amp Mason Insurance AgencyldquoChanges in Mass Workers Comp amp

Health Insurance Reform Lawrdquo

530 PM TuesdayOctober 30 2007

The Chateau48 Bay St Norton MA 02766

$3500 per Person PRE-PAID registration

$4000 per Person AFTER October 23 2007

GO TO wwwbnhbacom to register

Choice of meal BROILED BEEF TIPS

VEAL PARMIGIANA OR BROILED SCROD

Take advantage of your Membership

Visit nahborgMA to learn more

A Publication of the Bristol Norfolk Home Builders Association Inc

OfficersPresident Alden L Hurder Jr

Builder VP Donald J BryanAssociate VP Lawrence Pitman

Treasurer Charles P MagriClerk Richard W Gagnon

Executive Officer Ronald F Costello

DirectorsBrian E Dunn (Immediate Past President)

Donald A Baker Michael McDoleJason J Delgado Austin W McHoul Esq

Thomas M George Gregory P SpierKelli JH Kassor William D Ward Jr

National DirectorsRobert Cole Charles P Magri

65 Neponset Avenue Suite 3Foxborough MA 02035-2038

50854324195085432412 ndash Faxbuilderbnhbacom

wwwbnhbacom

BBRS Changing 7th Edition of the Building Code

ldquothe 7th Edition is a ldquoliving documentrdquo BBRS requests input from

housing professionals so that as many as possible correctionsclari-

fications can be instituted before the January 1 2008 EFFECTIVE

DATE To help with this BBRS has established a BBRS NEWS WEB

PAGE Here is how to access BBRSNEWS

Go to httpwwwflipdrivecomloginphp and log in with User Name

lsquobbrsrsquo and Password lsquobbrsnewsrsquo Click on lsquoMy Driversquo and then lsquoMy Doc-

umentsrsquo to view the latest updates

Message From The President

In recent weeks a request was made asking BNHBA members to get involved in mak-ing some home repairs to help Laurel Fon-

taine an 11year old twin girl a victim of a massive stroke Access to the house with a new walkway front stair repairs and additional interior railings were needed BNHBA members came to the plate to help

A special thanks goes out to Tom Walsh of Boro Sand amp Stone Corp and Mike McDole of National lumber for supplying all the mate-rials and to Don Bryan Bryan Construction Inc Tom George TMG carpentry Inc Austin McHoul Austin W McHoul amp As-sociates Don Baker D A Baker Construction Co Inc and Bill Ward W B Construction amp Development Inc for their sincere efforts supplying all the labor needed to complete these tasks

Irsquom very pleased to see Bristol Norfolk Home Builders Association Inc get involved in the community to help make Laurelrsquos recovery a little easier I had the pleasure of meeting Laurel She is a sweet smiling-faced young girl I know she is most grateful for the efforts of our BNHBA members I understand that she has already taken her first steps on the new walkway Way to go Laurel Thanks again guys

Respectfully

Al Hurder BNHBA President 20072009

Information Disclaimer - The information contained in this newsletter is intended to inform and not advise All references to or summaries of any federal state or local law regulation or code are provided by the Bristol Norfolk Homers Association as a convenience to the reader and are not intended to be legal advice and should not be relied upon as legal advice Legal advice may only be given by an individual duly licensed to practice law in the Commonwealth of Massachusetts Persons seeking legal advice on buying selling renting or building a home or any aspect of home construction or residential development are encourage to contact an attorney

ADVERTISING - While the Bristol Norfolk Home Builders Association accepts advertising in its publications it endorses no products or services and no warranty either expressed or implied is given by the association or its officers and directors as to the quality or accuracy of the information provided in said advertising

Continued on page 8

Page 3



















1

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3

4

5

6

Page 4

Page 5





Fire Safety Issues





Wind




continued on page 7

Page 6









BuilderSTEVE HANSEN



5087553858SPONSOR

LAWRENCE J PITMAN


EASTERN PROPANE GA



SPONSOR

BRIAN E DUNN





SPONSOR

ALDEN L HURDER JR

GLEN C LARKIN

EASTERN PROPANE GA



SPONSOR

BRIAN E DUNN

WELCOME NEW MEMBERS

Page 7







bull

bullbullbull









bull

bull

bull

bull

bull

bull




Process


The Future





Page 8












Mark Leff







bull

bull

























1

2

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5

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7

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10

1

2

3

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5











1

2

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Page 9








at 1-800-842-5275 ext 225

Come Explore

Play


Page 11











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6

7

8

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10












11

12

13

14

15

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Page 12





CANTON MA 02021






YOUR NAME

COMPANY NAME

JOB DESCRIPTION

YOUR ADDRESS


TOWN STATE ZIP

YOUR TELEPHONE EXT

YOUR EMAIL

YOUR WEB SITE

YOUR FAX




OCTOBER 2007





NOVEMBER 2007




DECEMBER 2007




JANUARY 2008




FEBRUARY 2008

13 - 16






MARCH 2008




APRIL 2008




MAY 2008




JUNE 2008



CALENDAR OF EVENTS


Page 13
























Continued on page 8



















1

2

3

4

5

6

Page 4

Page 5





Fire Safety Issues





Wind




continued on page 7

Page 6









BuilderSTEVE HANSEN



5087553858SPONSOR

LAWRENCE J PITMAN


EASTERN PROPANE GA



SPONSOR

BRIAN E DUNN





SPONSOR

ALDEN L HURDER JR

GLEN C LARKIN

EASTERN PROPANE GA



SPONSOR

BRIAN E DUNN

WELCOME NEW MEMBERS

Page 7







bull

bullbullbull









bull

bull

bull

bull

bull

bull




Process


The Future





Page 8












Mark Leff







bull

bull

























1

2

3

4

5

6

7

8

9

10

1

2

3

4

5











1

2

3

4

5

Page 9








at 1-800-842-5275 ext 225

Come Explore

Play


Page 11











1

2

3

4

5

6

7

8

9

10












11

12

13

14

15

16

17

18

19

20

Page 12





CANTON MA 02021






YOUR NAME

COMPANY NAME

JOB DESCRIPTION

YOUR ADDRESS


TOWN STATE ZIP

YOUR TELEPHONE EXT

YOUR EMAIL

YOUR WEB SITE

YOUR FAX




OCTOBER 2007





NOVEMBER 2007




DECEMBER 2007




JANUARY 2008




FEBRUARY 2008

13 - 16






MARCH 2008




APRIL 2008




MAY 2008




JUNE 2008



CALENDAR OF EVENTS


Page 13




























Fire Safety Issues





Wind




continued on page 7

Page 6









BuilderSTEVE HANSEN



5087553858SPONSOR

LAWRENCE J PITMAN


EASTERN PROPANE GA



SPONSOR

BRIAN E DUNN





SPONSOR

ALDEN L HURDER JR

GLEN C LARKIN

EASTERN PROPANE GA



SPONSOR

BRIAN E DUNN

WELCOME NEW MEMBERS

Page 7







bull

bullbullbull









bull

bull

bull

bull

bull

bull




Process


The Future





Page 8












Mark Leff







bull

bull

























1

2

3

4

5

6

7

8

9

10

1

2

3

4

5











1

2

3

4

5

Page 9








at 1-800-842-5275 ext 225

Come Explore

Play


Page 11











1

2

3

4

5

6

7

8

9

10












11

12

13

14

15

16

17

18

19

20

Page 12





CANTON MA 02021






YOUR NAME

COMPANY NAME

JOB DESCRIPTION

YOUR ADDRESS


TOWN STATE ZIP

YOUR TELEPHONE EXT

YOUR EMAIL

YOUR WEB SITE

YOUR FAX




OCTOBER 2007





NOVEMBER 2007




DECEMBER 2007




JANUARY 2008




FEBRUARY 2008

13 - 16






MARCH 2008




APRIL 2008




MAY 2008




JUNE 2008



CALENDAR OF EVENTS


Page 13
































BuilderSTEVE HANSEN



5087553858SPONSOR

LAWRENCE J PITMAN


EASTERN PROPANE GA



SPONSOR

BRIAN E DUNN





SPONSOR

ALDEN L HURDER JR

GLEN C LARKIN

EASTERN PROPANE GA



SPONSOR

BRIAN E DUNN

WELCOME NEW MEMBERS

Page 7







bull

bullbullbull









bull

bull

bull

bull

bull

bull




Process


The Future





Page 8












Mark Leff







bull

bull

























1

2

3

4

5

6

7

8

9

10

1

2

3

4

5











1

2

3

4

5

Page 9








at 1-800-842-5275 ext 225

Come Explore

Play


Page 11











1

2

3

4

5

6

7

8

9

10












11

12

13

14

15

16

17

18

19

20

Page 12





CANTON MA 02021






YOUR NAME

COMPANY NAME

JOB DESCRIPTION

YOUR ADDRESS


TOWN STATE ZIP

YOUR TELEPHONE EXT

YOUR EMAIL

YOUR WEB SITE

YOUR FAX




OCTOBER 2007





NOVEMBER 2007




DECEMBER 2007




JANUARY 2008




FEBRUARY 2008

13 - 16






MARCH 2008




APRIL 2008




MAY 2008




JUNE 2008



CALENDAR OF EVENTS


Page 13






























bull

bullbullbull









bull

bull

bull

bull

bull

bull




Process


The Future





Page 8












Mark Leff







bull

bull

























1

2

3

4

5

6

7

8

9

10

1

2

3

4

5











1

2

3

4

5

Page 9








at 1-800-842-5275 ext 225

Come Explore

Play


Page 11











1

2

3

4

5

6

7

8

9

10












11

12

13

14

15

16

17

18

19

20

Page 12





CANTON MA 02021






YOUR NAME

COMPANY NAME

JOB DESCRIPTION

YOUR ADDRESS


TOWN STATE ZIP

YOUR TELEPHONE EXT

YOUR EMAIL

YOUR WEB SITE

YOUR FAX




OCTOBER 2007





NOVEMBER 2007




DECEMBER 2007




JANUARY 2008




FEBRUARY 2008

13 - 16






MARCH 2008




APRIL 2008




MAY 2008




JUNE 2008



CALENDAR OF EVENTS


Page 13



































Mark Leff







bull

bull

























1

2

3

4

5

6

7

8

9

10

1

2

3

4

5











1

2

3

4

5

Page 9








at 1-800-842-5275 ext 225

Come Explore

Play


Page 11











1

2

3

4

5

6

7

8

9

10












11

12

13

14

15

16

17

18

19

20

Page 12





CANTON MA 02021






YOUR NAME

COMPANY NAME

JOB DESCRIPTION

YOUR ADDRESS


TOWN STATE ZIP

YOUR TELEPHONE EXT

YOUR EMAIL

YOUR WEB SITE

YOUR FAX




OCTOBER 2007





NOVEMBER 2007




DECEMBER 2007




JANUARY 2008




FEBRUARY 2008

13 - 16






MARCH 2008




APRIL 2008




MAY 2008




JUNE 2008



CALENDAR OF EVENTS


Page 13










































1

2

3

4

5

6

7

8

9

10

1

2

3

4

5











1

2

3

4

5








at 1-800-842-5275 ext 225

Come Explore

Play


Page 11











1

2

3

4

5

6

7

8

9

10












11

12

13

14

15

16

17

18

19

20

Page 12





CANTON MA 02021






YOUR NAME

COMPANY NAME

JOB DESCRIPTION

YOUR ADDRESS


TOWN STATE ZIP

YOUR TELEPHONE EXT

YOUR EMAIL

YOUR WEB SITE

YOUR FAX




OCTOBER 2007





NOVEMBER 2007




DECEMBER 2007




JANUARY 2008




FEBRUARY 2008

13 - 16






MARCH 2008




APRIL 2008




MAY 2008




JUNE 2008



CALENDAR OF EVENTS


Page 13





























at 1-800-842-5275 ext 225

Come Explore

Play


Page 11











1

2

3

4

5

6

7

8

9

10












11

12

13

14

15

16

17

18

19

20

Page 12





CANTON MA 02021






YOUR NAME

COMPANY NAME

JOB DESCRIPTION

YOUR ADDRESS


TOWN STATE ZIP

YOUR TELEPHONE EXT

YOUR EMAIL

YOUR WEB SITE

YOUR FAX




OCTOBER 2007





NOVEMBER 2007




DECEMBER 2007




JANUARY 2008




FEBRUARY 2008

13 - 16






MARCH 2008




APRIL 2008




MAY 2008




JUNE 2008



CALENDAR OF EVENTS


Page 13


































1

2

3

4

5

6

7

8

9

10












11

12

13

14

15

16

17

18

19

20

Page 12





CANTON MA 02021






YOUR NAME

COMPANY NAME

JOB DESCRIPTION

YOUR ADDRESS


TOWN STATE ZIP

YOUR TELEPHONE EXT

YOUR EMAIL

YOUR WEB SITE

YOUR FAX




OCTOBER 2007





NOVEMBER 2007




DECEMBER 2007




JANUARY 2008




FEBRUARY 2008

13 - 16






MARCH 2008




APRIL 2008




MAY 2008




JUNE 2008



CALENDAR OF EVENTS


Page 13




























CANTON MA 02021






YOUR NAME

COMPANY NAME

JOB DESCRIPTION

YOUR ADDRESS


TOWN STATE ZIP

YOUR TELEPHONE EXT

YOUR EMAIL

YOUR WEB SITE

YOUR FAX




OCTOBER 2007





NOVEMBER 2007




DECEMBER 2007




JANUARY 2008




FEBRUARY 2008

13 - 16






MARCH 2008




APRIL 2008




MAY 2008




JUNE 2008



CALENDAR OF EVENTS


Page 13
























OCTOBER 2007





NOVEMBER 2007




DECEMBER 2007




JANUARY 2008




FEBRUARY 2008

13 - 16






MARCH 2008




APRIL 2008




MAY 2008




JUNE 2008



CALENDAR OF EVENTS

























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