builder profile · steven mungo, irmo secretary phillip lawson, moore immediate past president...

Members Gatherat 38th Annual Bird Supper

Builder ProfileSteve Hudson with Harden Construction

Volume 1 • Issue 3 • 2008

SCBJ 08v1n3.indd 1 5/30/08 1:03:55 PM

www.hbaofsc.com • South Carolina Builder Journal • 2008

PublisherKevin Naughton

Managing editorMarie Grogitsky

graPhic designerMichele L. Peterson

advertising sales ManagerBrenda Poe

advertising sales rePresentative Jeff Pinwar(800) 935-1592 ext. 118

Published by:

2929 Davison Rd., Flint, MI 48506(810) 239-5763

South Carolina Builder Journal is published six times annually and is mailed to all active HBA of South Carolina members plus every career home builder statewide. Any reproduction or duplication of this publication or any part thereof must be done with the publisher's written permission. The publisher or the Home Builders Association of South Carolina is not responsible for the claims made by the advertisers. Editorial comment is always welcome.

In a recent survey, nearly 2/3 of SCE&G customers receiving both electricity and natural gas believe it’s important to have the choice of natural gas.

*SCE&G Brand Health Study, February 2008.

Call your SCE&G builder representative today at 1-877-937-7234 or visit sceg.com.

Homes sell better with Natural GasHomeowners know: there’s no substitute for natural gas

heating and water heating. Why? Because natural gas

heats homes and water faster than any other available

fuel source.

Even in the coldest weather, a natural gas heating

system delivers air that’s up to 25 degrees warmer than air

produced by an electric heat pump. And no other water

heating system is as responsive as a natural gas system. It

fully recovers a tank of hot water twice as fast as electric –

even during a power outage. Plus, natural gas heating and

water heating equipment have a longer operational life and

require less maintenance.

Including natural gas in your construction plans will help

create that comfortable, convenient lifestyle homeowners

are looking for. So while you’re building new homes, build

new relationships by giving homeowners what they want –

the quality, value and reliability of natural gas heating and

water heating, and the opportunity for them to purchase

other natural gas amenities that will make their every day

life better.

SCBJ 08v1n3.indd 2 5/30/08 1:04:01 PM

Feature Articles

Departments

www.hbaofsc.com • South Carolina Builder Journal • 2008 3

Feature Articles

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PublisherKevin Naughton

Managing editorMarie Grogitsky

graPhic designerMichele L. Peterson

advertising sales ManagerBrenda Poe

advertising sales rePresentative Jeff Pinwar(800) 935-1592 ext. 118

Published by:

2929 Davison Rd., Flint, MI 48506(810) 239-5763

South Carolina Builder Journal is published six times annually and is mailed to all active HBA of South Carolina members plus every career home builder statewide. Any reproduction or duplication of this publication or any part thereof must be done with the publisher's written permission. The publisher or the Home Builders Association of South Carolina is not responsible for the claims made by the advertisers. Editorial comment is always welcome.

Builder Profile . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10Steve Hudson, project manager with Harden Construction, attributes the company’s success to dedication and experience of Harden’s employees.

An Eye on the S .C . Housing Market . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19Convention keynote speaker to address regional and national housing markets and patterns of recovery.

Consequences of Excessive Land Use Regulation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20Wendell Cox, a principal of Demographia, an international public policy firm, discusses how Smart Growth intensified the current international financial crisis.

38th Annual Bird Supper Deemed Great Success . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23Hammer & Trowel Award recipients honored at this year’s legislative event.

The Electric Cooperatives of South Carolina . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24

NAHB Green Building Field Verifier Training . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25Time to register for training session planned at 2008 Home Builder Association of South Carolina Convention in Myrtle Beach.

President’s Letter Every Voice Is Important in Protecting Our Industry.. . . . . . . . . . . . . . . . 5

Executive Director’s Letter The Solution of the Day May Not Be the Best Solution in the Long Run . . . . . . . . . . . . . . 7

Government Affairs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8

Regulatory Affairs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13

South Carolina Builders PAC . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27

Welcome New Members . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 28

2008 Calendar of Events and Education Calendar . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30

In a recent survey, nearly 2/3 of SCE&G customers receiving both electricity and natural gas believe it’s important to have the choice of natural gas.

*SCE&G Brand Health Study, February 2008.

Call your SCE&G builder representative today at 1-877-937-7234 or visit sceg.com.

Homes sell better with Natural GasHomeowners know: there’s no substitute for natural gas

heating and water heating. Why? Because natural gas

heats homes and water faster than any other available

fuel source.

Even in the coldest weather, a natural gas heating

system delivers air that’s up to 25 degrees warmer than air

produced by an electric heat pump. And no other water

heating system is as responsive as a natural gas system. It

fully recovers a tank of hot water twice as fast as electric –

even during a power outage. Plus, natural gas heating and

water heating equipment have a longer operational life and

require less maintenance.

Including natural gas in your construction plans will help

create that comfortable, convenient lifestyle homeowners

are looking for. So while you’re building new homes, build

new relationships by giving homeowners what they want –

the quality, value and reliability of natural gas heating and

water heating, and the opportunity for them to purchase

other natural gas amenities that will make their every day

life better.

SCBJ 08v1n3.indd 3 5/30/08 1:04:12 PM


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SCBJ 08v1n3.indd 4 5/30/08 1:04:19 PM

President’s Letter


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hoMe builders association of south carolina1419 Pendleton Street, Columbia, SC 29201803/771-7408 • Fax: 803/254-5762

PresidentBill Smith, Aiken

vice PresidentJim Gregorie, Greenville

treasurerSteven Mungo, Irmo

secretaryPhillip Lawson, Moore

iMMediate Past PresidentKeith Smith, Greer

district #1 vice PresidentWesley Murdaugh, Hilton Head

district #2 vice PresidentAndy White, Columbia

district #3 vice PresidentJohnny Uldrick, Donalds

district #4 vice PresidentClyde Rector, Greenville

district #5 vice PresidentHarry Dill, Myrtle Beach

associates vice PresidentAndy Barber, Mt. Pleasant

eo council chairManRose Anne O’Reilly, Myrtle Beach

state rePresentativeMarc Ellis, Hilton Head

executive directorMark Nix

director of governMent affairsJulian Barton

director of Meetings & MeMbershiP servicesVee Daniel

director of coMMunications & educationBrandie Freeman

accountantKim Halter

Every Voice Is Important in Protecting Our Industry

While S.C. does not experience

the same highs or lows in the housing market as the rest of

the country, the nation as a whole

is facing the worst housing

market since the Great Depression.

M ore than 40 HBA members from across S.C. attended the 2008 Legislative Conference in Washington, D.C. — several for the first time. Our members were given the opportunity to sit down with each

member of our congressional delegation (Sens. Lindsey Graham and Jim DeMint; Congressmen James Clyburn, Henry Brown, Joe Wilson, J. Greshman Barrett, Bob Inglis and John Spratt) and share with them the needs and concerns of our industry and our state. It afforded many of us the first time to take advantage of the right to have public participation in the political process. No sooner did I get back from the trip, when I received calls and e-mails from several members reveling on how much they enjoyed the process and look forward to returning next year. I hope, if you have not attended the legislative conference, that you take advantage of it in the near future. Every voice is important to protect our industry.

While S.C. does not experience the same highs or lows in the housing market as the rest of the country, the nation as a whole is facing the worst housing market since the Great Depression. I’ve included a few of the issues that our members took to the Capitol.

Housing Economy •Over440,000jobshavebeenlostinresidentialconstructionandmorelayoffs

are inevitable. • Thisseverecontractionistheresultofoverbuildingduetobuyerspeculationfu-

eled by lax lending practices, not speculative excesses on the part of homebuilders. • In2007,mortgagemarketsandrelatedfinancialmarketsbegantofreezeup,

threatening the entire economy. •Thenetimpacthasbeenweakhousingdemand,consumerfearandfurther

downward pressure on housing prices.

Tax Policy — Economic Incentives for Housing Homebuyer Tax Credit•Housepricesandinventoriesarecentraltotheoutlookfortheeconomyand

policies that stimulate home purchases can pay huge dividends.

William G . SmithPresident HBA of South Carolina

Continued on page 6

SCBJ 08v1n3.indd 5 5/30/08 1:04:30 PM

South Carolina Builder Journal • 2008 • www.hbaofsc.com6 www.hbaofsc.com • South Carolina Builder Journal • 2008

•Ahomebuyertaxcreditcaneliminateex-cess inventory, relieve pressure on falling housing prices and end the waiting game being played by potential homebuyers.

Expansion of Mortgage Revenue Bond (MRB) Program •AspecialallocationofMRBsused

for either purchase or refinancing of single or multifamily homes can

help existing homeowners refinance their mortgages and increase hous-ing demand.

•ExpansionofCarrybackPeriodforNetOperating Losses (NOL).

•Manybusinessesinthehousingsectorare reporting financial losses when a few years ago they were generating jobs, providing local development and paying taxes.

•TheabilitytoclaimandcarrybackNOL deductions to years when sig-nificant taxes were paid is critical for homebuilders large and small.

•AnexpandedNOLcarrybackwillal-low homebuilders to avoid high-cost borrowing or liquidation of land and home assets.

•AllbusinessesalreadybenefitfromNOLunder current law. NAHB is advocat-ing for an acceleration of these benefits given current economic conditions.

Housing Policy — FHA & GSE Reform FHA Modernization •HadtheFHAbeenempoweredwith

much needed reforms, many families would not have been subjected to the risky subprime mortgages that have led to the current foreclosure crisis.

•BoththeHouseandSenatehavepassedFHA reform legislation by strong bipartisan margins and NAHB urges Congress to quickly work out the dif-ferences between the two bills.

GSE Reform •FannieMae,FreddieMacandthe

Federal Home Loan Banks are integral components of the nation’s housing finance system.

•Reformislongoverdueandurgentlyneeded to allow the GSEs to pursue their mission to increase the availability and lower the cost of home mortgages.

I also want to thank Julian Barton and Vee Daniel for all their hard work in setting up the schedule for this year’s Legislative Conference. SCBJ

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A s the 2008 legislative session comes to an end, several new issues are already being floated

for action next year on the local and state levels. By far, some of the most consistent voices have been the need to decrease congestion and pollution through mass transit (i.e. rail transit).

Instead of learning from other commu-nities and implementing several tools to support these goals, we tend to seek out singular solutions. Rail transit has become the “solution of the day” in South Carolina. Far from protecting the environ-ment, most rail transit lines use more energy per passenger mile and many generate more greenhouse gases than the average passenger automobile. According to Randal O’Toole, senior fellow with the Cato Institute, rail transit provides no guarantee that a city will save energy or meet greenhouse gas targets.

O’Toole readily admits that most rail transit uses less energy than buses, but rail transit does not operate by itself: transit agencies supplement it with extensive feeder bus operations. Those feeder buses and rail transits tend to have low ridership, so they have high energy costs and greenhouse gas emissions per passenger mile. The result is that when new rail transit lines open, the transit systems as a whole can end up consuming more energy per passenger mile than it did before.

According to O’Toole, “Even where rail transit operations save a little energy, the construction of rail transit lines consumes huge amounts of energy and emits large volumes of greenhouse gases. In most cases, many decades of energy savings would be needed to repay the energy cost of construction.

The Solution of the DayThe Solution of the Day May Not Be the Best Solution in the Long Run

President’s LetterContinued from page 5

Reach your target market.Advertise your business

in the next South Carolina Builder Journal.

Call Jeff Pinwar(800) 935-1592, ext. 118

SCBJ 08v1n3.indd 6 5/30/08 1:04:37 PM

South Carolina Builder Journal • 2008 • www.hbaofsc.com www.hbaofsc.com • South Carolina Builder Journal • 2008 7

•AnexpandedNOLcarrybackwillal-low homebuilders to avoid high-cost borrowing or liquidation of land and home assets.

•AllbusinessesalreadybenefitfromNOLunder current law. NAHB is advocat-ing for an acceleration of these benefits given current economic conditions.

Housing Policy — FHA & GSE Reform FHA Modernization •HadtheFHAbeenempoweredwith

much needed reforms, many families would not have been subjected to the risky subprime mortgages that have led to the current foreclosure crisis.

•BoththeHouseandSenatehavepassedFHA reform legislation by strong bipartisan margins and NAHB urges Congress to quickly work out the dif-ferences between the two bills.

GSE Reform •FannieMae,FreddieMacandthe

Federal Home Loan Banks are integral components of the nation’s housing finance system.

•Reformislongoverdueandurgentlyneeded to allow the GSEs to pursue their mission to increase the availability and lower the cost of home mortgages.

I also want to thank Julian Barton and Vee Daniel for all their hard work in setting up the schedule for this year’s Legislative Conference.

Executive Director’s Letter

A s the 2008 legislative session comes to an end, several new issues are already being floated

for action next year on the local and state levels. By far, some of the most consistent voices have been the need to decrease congestion and pollution through mass transit (i.e. rail transit).

Instead of learning from other commu-nities and implementing several tools to support these goals, we tend to seek out singular solutions. Rail transit has become the “solution of the day” in South Carolina. Far from protecting the environ-ment, most rail transit lines use more energy per passenger mile and many generate more greenhouse gases than the average passenger automobile. According to Randal O’Toole, senior fellow with the Cato Institute, rail transit provides no guarantee that a city will save energy or meet greenhouse gas targets.

O’Toole readily admits that most rail transit uses less energy than buses, but rail transit does not operate by itself: transit agencies supplement it with extensive feeder bus operations. Those feeder buses and rail transits tend to have low ridership, so they have high energy costs and greenhouse gas emissions per passenger mile. The result is that when new rail transit lines open, the transit systems as a whole can end up consuming more energy per passenger mile than it did before.

According to O’Toole, “Even where rail transit operations save a little energy, the construction of rail transit lines consumes huge amounts of energy and emits large volumes of greenhouse gases. In most cases, many decades of energy savings would be needed to repay the energy cost of construction.

Rail transit attempts to improve the environment by changing people’s behavior so that they drive less. Such behavioral efforts have been far less successful than technical solutions to air pollution and other environmental problems associated with automobiles.”

There are many alternatives to rail transit that can do far more to reduce energy use and at a vastly lower cost. Such alternatives include the following:•poweringbuseswithhybrid-electric

motors and biofuels • concentratingbusserviceonheavily

used routes and using smaller buses during off-peak periods and in areas with low demand for transit service

•buildingnewroadsandcoordinatingtraffic signals to relieve the highway congestion that wastes nearly three bil-lion gallons of fuel each year

• encouragingpeopletopurchasemorefuel-efficient cars. Getting 1 percent of commuters to switch to hybrid-electric cars will cost less and do more to save energy than getting 1 percent to switch to public transit.

Rising gas prices will most likely lead the people of South Carolina to buy more fuel-efficient cars. But states and locales that want to save even more energy and reduce greenhouse gas emissions will find the above alterna-tives far superior to rail transit.

Please visit Cato.org to view the full text of this policy analysis no. 615. SCBJ

(Taken from the Cato Institute, 2008)

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or

Building new roads and

coordinating traffic signals to

relieve highway congestion can

save nearly three billion gallons of

fuel each year.

The Solution of the Day

Mark Nix Executive Director HBA of South Carolina

The Solution of the Day May Not Be the Best Solution in the Long Run

Reach your target market.Advertise your business

in the next South Carolina Builder Journal.

Call Jeff Pinwar(800) 935-1592, ext. 118

SCBJ 08v1n3.indd 7 5/30/08 1:04:41 PM

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Turn on your shower and the fan responds automatically, sensing the rapid change in humidity. Just as conveniently, it senses when its work is done and politelyturns itself off. Making it nearly effortless to maintain a moisture-freebathroom. All that’s left for you to do is simply turn the shower handle.

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Government Affairs

South Carolina Builder Journal • 2008 • www.hbaofsc.com8

A fiscal conservative, Graham has been on the forefront of cutting taxes and reducing regulatory burdens. Several years ago, Graham was helpful in working with the HBA to get the Charles-ton office of the Army Corps of Engineers’ (ACOE) to expedite their permitting process. As a result of his actions, the ACOE revamped their internal process and got the permits moving again. Amazingly,Graham,inhisfirstterm,

has already established himself as a key leader in the U.S. Senate. His ability to focus on the issues that count and his willingness to stand up for what is right has quickly elevated his stature in Washington, D.C. SCBJ

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I n late April, more than 40 homebuilders from across South Carolina traveled to

Washington, D.C., to press the S.C. Congressional Delegation for help on the housing crisis. There they were joined by 1,500 Home Builder Association (HBA) members from across the county. These dedicated builders avoided protestors, hiked across Capitol Hill and endured capital security to get the message across — the housing industry is in trouble!

The U.S. housing market is now in the contraction phase of the most pronounced housing cycle since the Great Depression. Single-family housing starts already are down by 60 percent from their peak at the beginning of 2006, and the bottom is not yet in sight. This dramatic contraction has exacted a heavy toll on economic growth and employment during the past two years. It has now has pushed the U.S. economy to the brink of recession.

The adverse economic impacts of the housing contraction involve not only sharp declines in home sales and housing produc-tion, but also depressing effects of falling home prices on household wealth and mortgage credit quality. Further, for-sale housing market inventories are at historic levels. For example, the U.S. new homes inventory stands at a 9.8 months supply. The record volume of vacant homes on the for-sale market inevitably will put down-ward pressure on home prices for some time.

Homebuilders urged Congress to pass a second, housing-focused stimulus bill to help shore up the housing economy, and in doing so, prevent a national recession. They encouraged Congress to enact a temporary homebuyer tax credit, expand the Mortgage Revenue Bond (MRB) program to help existing homeowners refinance their mortgages and increase housing demand and extend to all businesses the carry-back period for Net Operating Losses (NOL) past the current two-year allowance.

Sen. Lindsey Graham addresses the S.C. delegation in Washington, D.C., during their visit to Capitol Hill.

Sen. Graham Spoke to Builders One of the highlights of the HBA’s

Capitol Hill visit in late-April was having Sen. Lindsey Graham, the senior senator from S.C., address the group. Graham gave the group an update on Senate action on the housing crisis. He assured us that he understood the seriousness of our issue and was working to get a housing stimulus package through Congress, ASAP. Graham understands that the homebuilding industry is an important spark plug in our state and nation’s economic engine.

Graham has been a friend of the HBA for a long time. Although Graham is completing his first six-year term, he still remembers the TV ads that the HBA ran on his behalf early in his U.S. Senate campaign. While serving in the S. C. General Assembly, he received the prestigious HBA Hammer & Trowel Award for his efforts to promote the homebuilding industry in S.C.

Homebuilders Press CongressOne of the highlights of the HBA’s Capitol Hill visit in late-April was having Sen. Lindsey Graham, the senior senator from S.C., address the group.

Homebuilders Press Congress for Helpby Julian Barton, HBASC director of government affairs

SCBJ 08v1n3.indd 8 5/30/08 1:04:49 PM

©2007 Broan-NuTone LLC. Broan is a registered trademark of Broan-NuTone LLC. Patents pending.

The on/off switch for the Broan humidity sensing fan.

To fi nd out more call1-800-558-1711 or visit broan.com

L: 7

x 9

.75

T

: 7.7

5 x

10.5

0

B: 8

.75

x 11

.25

Turn on your shower and the fan responds automatically, sensing the rapid change in humidity. Just as conveniently, it senses when its work is done and politelyturns itself off. Making it nearly effortless to maintain a moisture-freebathroom. All that’s left for you to do is simply turn the shower handle.

BRO_61454_OnOffBRO_P4A v7.indd 1 4/10/07 4:22:54 PM

South Carolina Builder Journal • 2008 • www.hbaofsc.com

A fiscal conservative, Graham has been on the forefront of cutting taxes and reducing regulatory burdens. Several years ago, Graham was helpful in working with the HBA to get the Charles-ton office of the Army Corps of Engineers’ (ACOE) to expedite their permitting process. As a result of his actions, the ACOE revamped their internal process and got the permits moving again. Amazingly,Graham,inhisfirstterm,

has already established himself as a key leader in the U.S. Senate. His ability to focus on the issues that count and his willingness to stand up for what is right has quickly elevated his stature in Washington, D.C.

Homebuilders Press CongressOne of the highlights of the HBA’s Capitol Hill visit in late-April was having Sen. Lindsey Graham, the senior senator from S.C., address the group.

Homebuilders Press Congress for Helpby Julian Barton, HBASC director of government affairs

SCBJ 08v1n3.indd 9 5/30/08 1:04:50 PM


by Marie Grogitsky

I n today’s tough residential homebuilding market, people are placing more and more value on customer service, while looking for something that sets the

builder they choose apart from others in the industry. Steve Hudson, project manager of Harden Construction, is proud to boast that it’s Harden’s employees, their commitment to the company and the dedicated years of service they have given that provides an extra degree of stability and experience people are looking for when building a home.

“Most of our guys have been here for more than 10 years,” said Hudson. “I think that longevity is one of the keys to our success. Our employees are concerned and take great interest in what they do. They are craftsmen who are always proud to show off what they do.”

With 12 full-time employees, Hudson explained that Harden Construction isn’t a typical homebuilding company in that the business has greater overhead costs than most builders. “One of the biggest challenges is that we have our own employees and equipment. Sometimes it is tough to compete strictly on pricing,

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homes on up,” said Hudson. “We build across the spectrum and have done some commercial and duplexes.” Most of Harden’s work is within a 60-mile radius of the company’s home in Sumter.

Joining a Great TeamHudson joined Harden Construction, owned by John Harden,

in 2005 having worked as a subcontractor for the company for five years prior. “I don’t swing a hammer much any more, and do miss it; except on those 100 degree days.”

His exposure to the building industry dates back to his youth. Both Hudson’s father and uncle did construction around the community he grew up in. Hudson has always enjoyed any and all woodworking. He has a degree in business management from Clemson University. After college, he worked in furniture manufacturing for 10 years while also taking on some smaller remodeling projects on his own. Through word-of-mouth, that work grew and soon he found himself doing more and more subcontractor work — framing, installing decks and cabinetry.

“Learning is in doing,” he said. “It’s something that developed and something I was good at and enjoyed.”

Hudson’s favorite part of the job is seeing a project come together through the customer’s eyes. He explained that when he first meets with the customer he goes over specifics of the project, attempting to match the customer’s expectations within the constraints of their budget. “You can see a look of excitement in their eyes,” he said. “You can see it when it starts to come together in their mind — many times it’s their dream house, and whentheycanvisualizeittheexcitementreallybegins.”

Learning From Others in the IndustryHudson first joined the Home Builders Association of South

Carolina (HBASC) through membership in the HBA of Sumter-Clarendon seven years ago. He is currently serving his third term as president of his local HBA where he also served one year as secretary. Last year, the local HBA maintained the highest membership retention rate in the state at 92 percent. “There are varying reasons why people join,” said Hudson. “Fifty-five percent of our members are associate members who see the value of involvement in the builders they service.”

He is very committed to both the local and state HBAs, stressing the importance of education, programs and communi-cation with others in the trade. “I believe that whatever you are going to do, you should try to excel at, and part of that is learning from others.”

Steve Hudson (far left) and Harden Construction owner John Harden (far right) joined by other members of the Harden team.

butweemphasizethatwehavethecontroloverthatfirstpartofthe construction process — the layout, foundation and framing. The quality control we have over that first part of construction is critical to the integrity and results of the finished home.”

Harden Construction builds 12-15 custom homes a year in the $200-400,000 price range. “We build homes that range from starter

You can see a look of excitement in their eyes. You can see it when it starts to come together in their mind — many times it’s their dream house and when they can visualize it, the excitement really begins.

— Steve Hudson, project manager of Harden Construction

SCBJ 08v1n3.indd 10 5/30/08 1:04:53 PM


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Harden Construction Company, Inc.Builder Credits Employees and Learning Through Doing

homes on up,” said Hudson. “We build across the spectrum and have done some commercial and duplexes.” Most of Harden’s work is within a 60-mile radius of the company’s home in Sumter.

Joining a Great TeamHudson joined Harden Construction, owned by John Harden,

in 2005 having worked as a subcontractor for the company for five years prior. “I don’t swing a hammer much any more, and do miss it; except on those 100 degree days.”

His exposure to the building industry dates back to his youth. Both Hudson’s father and uncle did construction around the community he grew up in. Hudson has always enjoyed any and all woodworking. He has a degree in business management from Clemson University. After college, he worked in furniture manufacturing for 10 years while also taking on some smaller remodeling projects on his own. Through word-of-mouth, that work grew and soon he found himself doing more and more subcontractor work — framing, installing decks and cabinetry.

“Learning is in doing,” he said. “It’s something that developed and something I was good at and enjoyed.”

Hudson’s favorite part of the job is seeing a project come together through the customer’s eyes. He explained that when he first meets with the customer he goes over specifics of the project, attempting to match the customer’s expectations within the constraints of their budget. “You can see a look of excitement in their eyes,” he said. “You can see it when it starts to come together in their mind — many times it’s their dream house, and whentheycanvisualizeittheexcitementreallybegins.”

Learning From Others in the IndustryHudson first joined the Home Builders Association of South

Carolina (HBASC) through membership in the HBA of Sumter-Clarendon seven years ago. He is currently serving his third term as president of his local HBA where he also served one year as secretary. Last year, the local HBA maintained the highest membership retention rate in the state at 92 percent. “There are varying reasons why people join,” said Hudson. “Fifty-five percent of our members are associate members who see the value of involvement in the builders they service.”

He is very committed to both the local and state HBAs, stressing the importance of education, programs and communi-cation with others in the trade. “I believe that whatever you are going to do, you should try to excel at, and part of that is learning from others.”

Hudson has been a Certified Master Builder (CMB) for two years, and is currently the only CMB in the Sumter area. “John has completed all of the requirements for the certified master builder as well, and is on his way to becoming one. We both feel it’s important for the business.”

In looking toward the future and impacts on the construction industry, Hudson will be completing coursework for National Association of Home Builders (NAHB) Green Builder Certifica-tion and will be taking the NAHB Green Building Verifier course at the upcoming HBASC Convention. “A lot of what we do at Harden Construction qualifies as green building. We may not stress those points in our marketing, but we are looking at doing more as green building becomes more important to consumers. Green building is going to have an impact on this industry, and we are looking at doing even more.”

HBA membership also provides a way to stay on top of the challenges facing the homebuilding industry including increas-ing federal mandates and the introduction of code changes. “You have to stay on top of these things and adapt to change. Things are always changing in this industry and the HBA works to help members be proactive instead of reactive.”

Giving Back to His CommunityHudson is very active in his community. He is a member of

Lewis Chapel United Methodist Church where he serves as a lay leader, lay speaker and youth leader. He has been involved in the Salkehatchie Summer Service for six years. Salkehatchie Summer Service is a pioneering “servant ministry” consisting of 48, week-long camps throughout South Carolina. Hudson explained

butweemphasizethatwehavethecontroloverthatfirstpartofthe construction process — the layout, foundation and framing. The quality control we have over that first part of construction is critical to the integrity and results of the finished home.”

Harden Construction builds 12-15 custom homes a year in the $200-400,000 price range. “We build homes that range from starter

You can see a look of excitement in their eyes. You can see it when it starts to come together in their mind — many times it’s their dream house and when they can visualize it, the excitement really begins.


Continued on page 12

SCBJ 08v1n3.indd 11 5/30/08 1:04:55 PM

Sumter Home Insulators, Inc.

2910 Thomas Sumter Hwy.

Sumter, SC 29153

Specializing in Fiberglass and

Spray Foam Insulation, for Residential and

Commercial Applications

call today for your free estimate!

803.469.7208


[email protected]

Beth Corbett

Equal Housing Lender

Residential Mortgage Lender

T he 2006 editions of the International Residential Code (IRC) and International Building

Code (IBC) will go into effect, statewide on July 1, 2008. One of the obvious differences between the current and new versions of the IRC is the inclusion of the “Seismic Design Category E,” also referred as the E Zone. Although the E Zone only affects portions of Berkeley, Charleston, Dorchester and Williamsburg counties, it is the current “hot topic” and basis of concern among homebuilders and code enforcement officers alike. My intention in writing this article is to provide facts and eliminate the confusion and misunderstanding surrounding the E Zone controversy. All references to the IRC and IBC are taken from the 2006 editions.

Before I address the technical issues of the code, however, I need to dispel two major myths.

Myth — Single- and two-family resi-dences and townhouses built in the E Zone must meet all requirements of the IBC.

Fact — The reference to the IBC in Section R301.2.2 of the IRC only applies to struc-tural elements. All other code requirements revert back to, and must be in compliance with, the IRC. Residences governed by the IRC, therefore, do not have to meet sprinkler, fire rating, exiting or any other requirements stated in the IBC.

Myth — Since compliance with the IBC is required, only state licensed general contractors can build residences within the E Zone.

Fact — Section R301.2.2 of the IRC states in part that residences situated within the E Zone … “shall be designed in accordance with the International Building Code …” The requirement is for (and emphasis placed on) the design of the affected structural components and does not affect licensing or the abilities of a residential homebuilder to construct a building in accordance with any additional design provisions.

Builder ProfileContinued from page 11

that adult community leaders like him work with high school and college age youth upgrading housing for lower-income families. Providing all participants with opportunities for personal growth and service, he said.

He has also been involved with the Midlands Walk to Emmaus for the past 11 years. This nondenominational event focuses on building Christian leadership for the local church and strength-ening your personal relationship with Jesus Christ. Outside of his deep involvement and commitment to his church, Hudson has been a little league coach for four years.

Hudson and his wife Meri Wyn have been married almost 15 years.Theyhavetwochildren,HazelGray,12,andHarrison,7.SCBJ

Most of our guys have been here for more than 10 years, I think that longevity is one of the keys to our success. Our employees are concerned and take great interest in what they do.


SCBJ 08v1n3.indd 12 5/30/08 1:04:57 PM

Sumter Home Insulators, Inc.

2910 Thomas Sumter Hwy.

Sumter, SC 29153

Specializing in Fiberglass and

Spray Foam Insulation, for Residential and

Commercial Applications

call today for your free estimate!

803.469.7208


Regulatory Affairs

T he 2006 editions of the International Residential Code (IRC) and International Building

Code (IBC) will go into effect, statewide on July 1, 2008. One of the obvious differences between the current and new versions of the IRC is the inclusion of the “Seismic Design Category E,” also referred as the E Zone. Although the E Zone only affects portions of Berkeley, Charleston, Dorchester and Williamsburg counties, it is the current “hot topic” and basis of concern among homebuilders and code enforcement officers alike. My intention in writing this article is to provide facts and eliminate the confusion and misunderstanding surrounding the E Zone controversy. All references to the IRC and IBC are taken from the 2006 editions.

Before I address the technical issues of the code, however, I need to dispel two major myths.

Myth — Single- and two-family resi-dences and townhouses built in the E Zone must meet all requirements of the IBC.

Fact — The reference to the IBC in Section R301.2.2 of the IRC only applies to struc-tural elements. All other code requirements revert back to, and must be in compliance with, the IRC. Residences governed by the IRC, therefore, do not have to meet sprinkler, fire rating, exiting or any other requirements stated in the IBC.

Myth — Since compliance with the IBC is required, only state licensed general contractors can build residences within the E Zone.

Fact — Section R301.2.2 of the IRC states in part that residences situated within the E Zone … “shall be designed in accordance with the International Building Code …” The requirement is for (and emphasis placed on) the design of the affected structural components and does not affect licensing or the abilities of a residential homebuilder to construct a building in accordance with any additional design provisions.

Minimum Level of Safe Construction

To fully understand my technical comments, it is important to remember that building codes merely establish the minimum level of safe construction and are intended to provide a reasonable degree of protection to building occupants by safeguarding … “public safety, health and general welfare”… and providing … “safety to life and property …” (Preface and Section R101.3, IRC). That premise is further strengthened by the commentary for Section 2308 of the IBC which states in part, “The stated intent of the code is to provide minimum requirements necessary to safeguard the health, safety and general welfare of the public (see the preface and Section 101.3), not to ensure a complete lack of structural damage after a major wind or seismic event.”

One last point before I dive into the technical information. The IRC is known as a “prescriptive” building code, in that it prescribes construction requirements based on component tests or general or commonly accepted methods and practices proven to perform over a period of time and under various conditions. The prescriptive nature of the IRC allows a builder to use the code as written in its prescribed language or elect to use alternate methods and materials.

For some code requirements, options or exceptions are included within specific sections. When performing building code research, therefore, it is critical to read all information contained in a section, several times if necessary, instead of stopping as soon as you think you found your answer. Alternate methods or materials can apply to any section of a building code and can be based on engineering studies, manu-facturer’s installation requirements, independent tests, ICC Evaluation Services reports or other technically sound criteria that is acceptable to the local building official.

The Impact on Residential Construction in Seismic Zone Eby Gary F. Wiggins, administrator S.C. Building Codes Council

Now For the Technical StuffSection R301.2.2 of the IRC establishes

the requirement for the use of the IBC for design of residences located in the E Zone. Within the same sentence, the section also acknowledges that any area within the E Zone can be reclassified to a lower design category, if it meets the provisions of Section R301.2.2.1. The provisions of Section R301.2.2.1.1 then allows the seismic design category to be determined by the actual soil conditions of a building site or area, in lieu of the prescriptive area designated on the seismic map.

The IRC goes on to state in Section R301.2.2.1.2, that an automatic reclassifica-tion from the E Zone to the D2 Zone is provided for all buildings for which a more detailed evaluation of the seismic design category is made in accordance with the provision and maps of the IBC. At first glance, this section seems to be redundant with Section R301.2.2, but it

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... an automatic reclassification from the E Zone to the D2 Zone is provided for all buildings for which a more detailed evaluation of the seismic design category is made in accordance with the provision and maps of the IBC.


Builder ProfileContinued from page 11

that adult community leaders like him work with high school and college age youth upgrading housing for lower-income families. Providing all participants with opportunities for personal growth and service, he said.

He has also been involved with the Midlands Walk to Emmaus for the past 11 years. This nondenominational event focuses on building Christian leadership for the local church and strength-ening your personal relationship with Jesus Christ. Outside of his deep involvement and commitment to his church, Hudson has been a little league coach for four years.

Hudson and his wife Meri Wyn have been married almost 15 years.Theyhavetwochildren,HazelGray,12,andHarrison,7.SCBJ

SCBJ 08v1n3.indd 13 5/30/08 1:05:01 PM

Phone: (803) 771-0566 or (800) 678-8178, Fax: (803) 252-8581, www.schbsif.comSouth Carolina Builder Journal • 2008 • www.hbaofsc.com14

Reach more South Carolina builders

with your ad in the next

South Carolina Builder Journal. Call Jeff Pinwar(800) 935-1592

ext. 118

Self Insurers Fund Bulletin goes on to establish additional methods of construction that offer a reclassification without going to the IBC.

Using the IBC, however, provides a more accurate method of determining seismic design categories and ultimately accomplishes the same results as the various exceptions in the IRC. The seismic requirements in the IBC are contained in Chapter 16. For the purposes of Chapter 16, all buildings are classified in one of four Occupancy Categories, based on their degree of hazardtohumanlife.Table1604.5oftheIBC places single- and two-family residences in Occupancy Category II. Based on Section 1613.5.6, Determination of Seismic Design Category, a building classified in the Occupancy Category II that is “located where the mapped spectral response acceleration parameter at 1-second period, S1, is greater than or equal to 0.75 shall be assigned to Seismic Design Category E.” Figure 1613.5(9) of

the IBC shows the maximum 1.0 second spectral response acceleration value in South Carolina as 0.73. The value is close, but does not rise to the level for which the design and construction requirements of the E Zone are mandatory.

The end result is that all single- and two-family residences within the E Zone may be designed and built to the D2 requirements of the IRC.

Another factor that may affect design within the E Zone is the proximity of the building site to the ocean. Since many residences in the E Zone per the IRC are also in areas with wind speeds requiring design to the IBC, a building designed to resist high wind forces may also have the capacity to resist the required seismic forces without addi-tional structural enhancements.

Maps showing the E Zone as proposed to the South Carolina Building Codes Council can be viewed at www.llr.state.sc.us/pol/bcc/ProposedSeismicEZone.htm.

Additional information and the official wind and seismic maps by county can be found at www.llr.state.sc.us/pol/bcc/index.asp?file=WS_Maps.htm. SCBJ

2008

2007 Pinnacle Award Winner, Category 7Sovereign Homes

NEW remodeling categories! Attached and Detached homes!

Entry Registration Deadline: September 26, 2008

For an entry form and more information, please visit:www.HBAofSC.com

Winners will be announced at the 2008 Celebration of Excellence in Charleston on

February 12, 2009.

Regulatory AffairsContinued from page 13

SCBJ 08v1n3.indd 14 5/30/08 1:05:09 PM

Phone: (803) 771-0566 or (800) 678-8178, Fax: (803) 252-8581, www.schbsif.com 15South Carolina Builder Journal • 2008 • www.hbaofsc.com 15

Reach more South Carolina builders

with your ad in the next

South Carolina Builder Journal. Call Jeff Pinwar(800) 935-1592

ext. 118

A Publication of the South Carolina Home Builders Self Insurers Fund • second Quarter 2008

We have recently been made aware of a company offering proposals

for workers’ compensation coverage over the Internet. It seems that you provide your company’s information — payroll amounts, job descriptions, etc. — and the company mails or faxes you a proposal. This method of selling policies has been around for a while, and the appeal to the customer is supposed ease of use and competitive pricing. The competitive pricing is based on the insur-ance company eliminating the need to pay an insurance agent to represent them, and the need for a local office and the personnel costs that go along with an office.

We were provided a copy of one of these proposals by a current member of the South Carolina Home Builders Self Insurers Fund (SCHBSIF) and were asked to check what appeared to be very competitive pricing. Here’s what we found:•TheInternetinsurancecompanyprovided

a proposal that contained many errors in arithmetic that resulted in inaccurate premium calculations.

•Theyalsofailedtoincludeanentireentryfor Code #5610 — debris removal (and the payroll for that code), resulting in an inaccurate comparison.

•Theratesper$100ofpayrollthatthecompany provided were very low — and very wrong.

•Theirproposalprovidedseveraladditional“fees” that are not commonly seen on a work-ers’ compensation policy in South Carolina.

In the end, after carefully evaluating the proposal on an apples-to-apples basis, we determined that our client was being offered coverage at a price that was approximately 13 percent higher than that being charged by SCHBSIF for the same coverage.

The moral of the story: Read the fine print carefully, check the arithmetic and as always, call us if you have any questions. ●

Comparison Shoppingby Jeff Ranew, CPCU Administrator

Marketing report

Have You Ever Had a Bad Day?Does this phrase bring back a bad

memory? I don’t believe there is anyone who has been lucky enough not to have had a bad day. As a business owner, from a work-ers’ compensation standpoint, what comes to mind when you think of having a bad day? A bad day could be when a job accident injures an uninsured subcontractor who you thought had insurance? Another bad day could be when that additional premium audit bill

comes in the mail because the subcontractor who told you he had insurance did not?

I think everyone would agree these scenarios would qualify, and unfortunately they can create many more bad days. When an uninsured subcontractor is injured, the general contractor is responsible by law. This applies to the owners of that subcontracting firm as well. The losses paid by the insurance carrier on your


Board of TrusteesDistrict 1

Colin CampbellCharleston (vice chairman)

District 2Eddie WeaverColumbia

District 3Herb WitterAiken (chairman)

District 4Ted SmithGreenville

District 5John Curl Florence

Ex OfficioJim GregorieGreenville

Ex OfficioBill SmithAiken

At LargeKeith SmithGreer

At Large Tom MarkovichSeneca

The Internet insurance company provided a proposal that contained many errors in arithmetic that resulted in inaccurate premium calculations.

Self Insurers Fund Bulletin

2008

2007 Pinnacle Award Winner, Category 7Sovereign Homes

NEW remodeling categories! Attached and Detached homes!

Entry Registration Deadline: September 26, 2008

For an entry form and more information, please visit:www.HBAofSC.com

Winners will be announced at the 2008 Celebration of Excellence in Charleston on

February 12, 2009.

SCBJ 08v1n3.indd 15 5/30/08 1:05:17 PM

South Carolina Home Builders Self Insurers Fund, PO Box 7727, Columbia, SC 2920216 Phone: (803) 771-0566 or (800) 678-8178, Fax: (803) 252-8581, www.schbsif.com

FroM the Desk oF … Danny Dilworth, Safety and Risk Control Manager

In the last issue we showcased one of our Safety & Risk Control Consultants,

Kerry Grimm. This month we will show-case another, Scott Manns.

Scott joined the South Carolina Home Builders Self Insurers Fund (SCHBSIF) in September 2007, after working as a safety supervisor for a commercial roofing company. However, that is only a small part of Scott’s background. He spent 21 years in the Army Airborne Infantry in exotic locales including Italy, Germany and Alaska.

In his role with the SCHBSIF, he will be working directly with our members,

delivering new member packets and assist-ing members by helping them improve their safety efforts. Scott’s favorite parts of the job include the chance to see so much of the fine state of South Carolina and meeting our builders and subcontrac-tors. Overall it creates variety in a job he greatly enjoys.

In his spare time, he enjoys boat-ing on Lake Murray, fishing and hunting. He has been married to Patricia for 22 years. Together they have a son, Scott, who is in his third year at the University of South

Carolina (USC) and a daughter, Sarah, who is a high school sophomore.

Although Scott will cheer on the USC Gamecocks, his first allegiance is to the West Virginia Mountaineers as you can tell by his hat! ●

I t is easy to overlook a potentially cata-strophic worksite hazard. We use motor

vehicles ranging from small trucks to large earthmoving equipment, both on and going to and from our jobsites. In the past year, South Carolina Home Builders Self Insurers Fund (SCHBSIF) members have experi-enced both on- and off-road vehicle crashes that have resulted in severe injuries (in one case death) to employees. We need to pick our drivers and operators with care to ensure the safe operation of these vehicles.

Every 12 minutes someone dies in a motor vehicle crash. Motor vehicle crashes are a leading cause of death and injury for all ages. Driving records should be checked before allowing anyone to operate a company vehicle or driving their vehicle on company business. If you are hiring a driver, do this before making the employment offer. If potential drivers have multiple violations or severe viola-tions, such as reckless driving or driving under the influence of alcohol or drugs, find another candidate. Make sure that drivers of vehicles who require a commer-cial driver’s license are properly licensed.

Driving records of all drivers should be checked at least annually.

Ensure that operators of off-road vehicles are trained to operate that particular vehicle. If you are able, you can train them yourself or you can get an outside trainer to do the training for you. In either case, provide the training and then observe the operator to make sure that the training is followed. Even if you are hiring an expe-rienced operator, you should observe that person’s skills before they are allowed to operate the equipment on a worksite.

All vehicles should be inspected regu-larly. Jobsite vehicles should be inspected

daily before operation to ensure that the brakes, horns, back-up alarms and other safety equipment is working properly.

In addition, we need to make sure that all other workers are aware of the hazards of working around moving equipment. They need to stay clear of hazardous areas and be aware of vehicle movement around their work areas.

Don’t forget that SCHBSIF Safety Seminars are open to everyone at no charge. In addition to the Spanish language seminars listed on our Web site (www.schbsif.com), the following seminars will be done in both Spanish and English:•June10inAnderson•June11inGreenville•June12inSpartanburg•July23inColumbia•Sept.9inMyrtleBeach•Sept.10inCharleston•Sept.11inHiltonHeadIsland

For more information or to regis-ter, please call Tammy Floyd at (803) 309-9603.Welookforwardtoseeingyou at a seminar. ●

Driving records should be checked before allowing anyone to operate a company vehicle or driving their vehicle on company business.

Vehicle Safety

“Showcase”

In his role with the SCHBSIF, he will be working directly with our members, delivering new member packets and assisting members by helping them improve their safety efforts.

scott Manns

SCBJ 08v1n3.indd 16 5/30/08 1:05:34 PM

South Carolina Home Builders Self Insurers Fund, PO Box 7727, Columbia, SC 29202 Phone: (803) 771-0566 or (800) 678-8178, Fax: (803) 252-8581, www.schbsif.com 17

claiMs by Darlene Frick, claims Manager

What Is a South Carolina Workers’ Compensation Form 20 and Why Should It Be Completed?

Darlene Frick, Claims Manager

Angi O’Connell, Claims Assistant

Vickie Rita, Senior Claims Ad-juster

It is our recommendation that all employees and subcontractors be paid by check, as this would enable you to obtain more accurate wage information.

A South Carolina Workers’ Compensation Form 20 is a statement of earnings of

an injured worker. This form will determine the amount of weekly benefits an injured worker is paid and MUST be completed by the employer. Form 20 should include all earnings of the injured worker one year prior to the injury date. If the injured worker hasn’t been employed for a year, you may use the actual wages earned or the wages of another employee earn-ing the same amount of money. The total wages must include any commissions, bonuses or any other allowances paid to the employee. You must include the actual weeks worked by the injured worker or the said or like employee.

It is our recommendation that all employ-ees and subcontractors be paid by check, as this would enable you to obtain more accurate wage information. The wages for a subcontractor are calculated a little differently. The Workers’ Compensation Act requires that actual earnings be used, not the total amount paid by the

general contractor. If the injured worker is an employee of a subcontractor, and the subcon-tractor does not have any coverage, then the contractor who hired the sub is responsible for having the subcontractor complete Form 20 and return it to the proper person.

The South Carolina Workers’ Compensation Commission requires Form 20. Failure to completethisformcanresultina$100finebeing assessed against the employer.

Without this form the carrier/self-insurers fund must determine an average weekly wage that is reasonable and fair to the injured worker. In most cases, this results in an overpayment of benefits, which will increase the cost of a claim.

If you have any questions while complet-ing Form 20, please call the adjuster handling the claim. The adjuster will be happy to assist you. ●

Marketing report Continued from page 15

behalf can affect the premiums you pay for up to four years! Then of course there is the audit premium situation. When you assume the subcontractor has coverage, but do not obtain a valid Certificate of Insurance (COI) before the work commences, you are taking an expensive gamble. Many general contractors found out at audit time that the sub in fact did not have coverage for the entire time period included in payments. The general contractor was then charged a premium for the expo-

sure. If it is a framer or a roofer, the rate is very high indeed. When faced with an additional premium audit situation, many insurance carri-ers will not only bill you for the expired policy term, but also endorse the current policy for the additional exposure. This is known by the unscientific term, “the double whammy.” There goes another bad day!

What can you do to avoid these situ-ations? We have published a document called, What Is a Good Certificate of Insurance (COI)? This gives you some tips to protect yourself including the following:•Donotallowthesubcontractorto

commence work until you have received a valid COI from their insurance agent. Do not accept the COI directly from the sub.

•Verifythatthecoverageisstillinforceatleast every 30 days while they are working for you. This can be done by calling the agent who issued the COI or requesting a new COI from the agent. Remember, even though it says the agent will endeavor to notify you if coverage is cancelled, they are not required to do so.

•IfthereisanypartoftheCOIthatappearsto have been altered, forward a copy to

your CSR at the South Carolina Home Builders Self Insurers Fund (SCHBSIF) to help you determine if it is in fact valid.

•Thereisawaytoverifycoverageatthefollowing Web site maintained by the South Carolina Workers’ Compensation Commission. Be aware that it is only updated every 30 days, and not all carriers are compliant in providing the information to the Commission. Also, if we are providing the coverage, the information will not appear on this Web site. The address is www.wcc.sc.gov. Click on “Verify Coverage” on the green bar at the top of the page and then click on the blue box in the center of the page that says “Employers’ Workers’ Compensation Coverage.” You can search by employer name or FEIN. The date defaults to today’s date but can be changed.

Hopefully, these tips will help you avoid a bad day where your workers’ compensa-tion coverage is concerned. If you have any questions, please contact us at the SCHBSIF at (800) 678-8178 or in the Columbia area at (803) 771-0566. We appreciate your business! ●

Doesn’t it make sense to have this important coverage with a provider who understands your business, is committed to it for the long run and can help you improve your bottom line?

scott Manns

SCBJ 08v1n3.indd 17 5/30/08 1:05:45 PM

South Carolina Home Builders Self Insurers Fund, PO Box 7727, Columbia, SC 2920218 www.hbaofsc.com • South Carolina Builder Journal • 2008

Work, home or play … Think Safety Everyday!

PO Box 7727, Columbia, SC 29201 www.SCHBSIF.com

pointers FroM policy services by Brandy Shealy, Underwriting Manager

Policy Update Reminder

We have started the annual payroll audit process for 2007. As we are

processing these audits, we have noticed many companies that have made changes in their operation that we have not been made aware of. Please make sure to notify our office and/or your agent’s office imme-diately when changes that affect your policy occur. These changes may include, but are not limited to the following:•companyname•companyentity(soleproprietor,partner-

ship, LLC or corporation)•address•officernamesand/orownership

(adding or deleting)•FEINchange•office,faxand/orcellphonenumbers

Reporting changes to our office as they occur helps to ensure that we have the most accurate information on file. Not having accurate information on file may cause a delay in contacting you regarding your policy. Inaccurate information may also delay the investigation of a claim, should one occur. We have even seen cases where you are charged workers’ compen-sation premiums on an excluded officer because we didn’t receive the appropriate

paperwork to exclude an officer from cover-age. Please note: we will only exclude an officer’s payroll that we show as excluded on your policy at the time of the audit. It is important to note that we will not back date officer exclusion.

Even if you think the change is minor, please let us know. We would much rather have too much information than not enough information. If the change requires us to obtain additional information, such as an ERM-14 form, we will let you know.

Thank you for your continued support of the SCHBSIF. We look forward to working with you this year. ●

The South Carolina Home Builders Self Insurers Fund (SCHBSIF) provides a quality workers’ compensation program for qualified builders and subcontractor members of the HBA of SC. The Fund

offers a cost-effective, stable and reliable workers’ compensation program.

Designed by builders for builders, it also provides more effective control over workers’ compensation costs and claims, which result in a direct savings for member companies. The SCHBSIF’s workers’ compensation program is available statewide through an exten-sive network of independent agents.

You may also contact the SCHBSIF office directly.

South Carolina Home Builders Self Insurers Fund Bulletin is published four times annually and is mailed to all Home Builder Association of South Carolina members plus non-member residential homebuilders statewide. Any reproduction or duplication of this publication or any part thereof

must be done with the publisher’s written permission.

South Carolina Home Builders Self Insurers Fund P.O. Box 7727 Columbia,SC29202 Phone(803)771-0566•(800)678-8178 Claims Fax: (803) 252-8581 Policy Services Fax: (803) 252-8581

Not having accurate information on file may cause a delay in contacting you regarding your policy.

If you have any questions or concerns, please do not hesitate to contact your customer service representative. They are happy to assist you in any way possible.

Members A-F Kathy fleming

Members G-M Kenyana carter

Members N-Z linda humphries

by Robert Denk, economist

H ousing markets will face another challenging year in 2008 before any meaningful

recovery takes hold in 2009. Continuing credit market turmoil and a weakening economy have pushed already battered housing markets even lower and have undermined what had previously been the strongest housing markets in the country. What had been pockets of strength in housing markets in Texas and dotted across the southeastern part of the country have deteriorated and particularly rapidly beginning in the second half of 2007.

Permitting activity nationally in February 2008 averaged 37 percent of peak levels in 2005. The hardest hit areas — Michigan, California, Florida and Nevada were below 20 percent of peak levels. Even more ominously, permitting activity nationally was barely above half the pre-boom average levels from 2000 to 2003.

House prices in two-thirds of the 100 large metropolitan areas that NAHB

SCBJ 08v1n3.indd 18 5/30/08 1:05:58 PM

South Carolina Home Builders Self Insurers Fund, PO Box 7727, Columbia, SC 29202 www.hbaofsc.com • South Carolina Builder Journal • 2008 19

by Robert Denk, economist

H ousing markets will face another challenging year in 2008 before any meaningful

recovery takes hold in 2009. Continuing credit market turmoil and a weakening economy have pushed already battered housing markets even lower and have undermined what had previously been the strongest housing markets in the country. What had been pockets of strength in housing markets in Texas and dotted across the southeastern part of the country have deteriorated and particularly rapidly beginning in the second half of 2007.

Permitting activity nationally in February 2008 averaged 37 percent of peak levels in 2005. The hardest hit areas — Michigan, California, Florida and Nevada were below 20 percent of peak levels. Even more ominously, permitting activity nationally was barely above half the pre-boom average levels from 2000 to 2003.

House prices in two-thirds of the 100 large metropolitan areas that NAHB

forecasts are considered too high and vulnerable to correction. In half of these over-priced markets house prices are too high by 10 percent on average. The remaining markets, dominated by California and Florida and including Las Vegas and Phoenix are over-priced on average by 40 percent, with the most over-priced markets 50 to 80 percent too high.

Foreclosures threaten to roil markets even further by forcing additional houses back into already bloated unsold invento-ries, putting further downward pressure on already weak house prices with the potential for a vicious downward spiral in some markets. High default rates on subprime mortgages are the main culprit, representing less than 10 percent of outstanding mortgages but half or more of the foreclosures in some of the most troubled markets. At the same time, rapidly rising default rates in 2007 on non-subprime mortgages is a disturbing development, suggesting even prime mortgage borrowers are being caught up in the housing market distress.

Regional patterns in recovery will vary. Housing markets in the Northeast will improve earliest with positive growth in the fourth quarter of 2008. House prices in some of these markets have outpaced those in other parts of the country, but the major cities have had less over-building than in other markets.

In the South, markets in Texas and the southeast, with the notable exception of Florida, are likely to improve ahead of the most of the West and Midwest. These markets had been the strongest nationally before the credit market meltdown in the second half of 2007 aggravated housing market conditions and the strength of the underlying fundamentals in these markets will translate into earlier recovery. Housing markets in the Midwest will improve in the farm belt ahead of the industrial states where the length and severity of recession pose a real threat of prolonged distress. In the West — California, Las Vegas and Phoenix will struggle through 2008 and 2009, while markets in the Pacific Northwest, Mountain states and New Mexico will bottom out by the end of 2008 and turn up in early 2009.

The outlook for markets in South Carolina is mixed. Healthy local and regional economies are positives work-ing in South Carolina’s favor. Strong job and population growth are housing market fundamentals.

South Carolina also did a good job of avoiding subprime mortgages and the associated high foreclosure rates, one of the two major factors outside of market fundamentals that have been roiling housing markets in this downturn. At the end of 2007, 4.2 percent of mortgages outstanding in South Carolina were in the


SCBJ 08v1n3.indd 19 5/30/08 1:06:07 PM


Wendell Cox

Smart GrowthHow Smart Growth Exacerbated the International Financial Crisis

T he U.S. mortgage meltdown has dominated business news for months. The crisis seems to

deepen daily, and its impacts are felt throughout an increasingly interdependent financial world. Only recently,theOrganizationforEconomicand Development (OECD) and the International Monetary Fund (IMF) have suggested that losses of an additional $250 billion to $1 trillion may yet be in the offing. In the ongoing debate over the causes and cures of the mortgage meltdown, one of the most important factors has been virtually absent: the role of excessive land use regulations in exacerbating the extent of losses.

What Is Excessive Land Use Regulation?

As we know from introductory courses in economics, scarcity raises prices. In a number of metropolitan markets across the country, excessive land use policies have been adopted, such as urban growth boundaries, huge areas recently declared off-limits to development, building morato-ria, confiscatory and unprecedented impact feesandexcessivelylargeminimumlotsizes.

These policies often referred to as “smart growth,” create a scarcity of land, artificially raise the price of housing and, again, have increased the exposure of the market to risky mortgage debt. When more liberal loan policies were imple-mented, metropolitan areas that had adopted these more restrictive policies lacked the resilient land markets that would have allowed the greater demand to be accommodated without inordinate increases in house prices.

A few voices in the wilderness on both sides of the political spectrum have pointed to the role of excessive land use policies in driving up housing costs. For example:•LiberaleconomistPaulKrugmanofThe

New York Times put most of his conser-vative colleagues to shame in noting

that the housing price bubble has been limited to metropolitan areas with strong land use regulation.

•ConservativeThomasSowell,nostranger to being a voice in the wilder-ness, has made similar points.

•Morerecently,TheoEicheroftheUni-versity of Washington produced a work-ing paper placing much of the blame for house price escalation on land use regulation in cities around the nation.

Consequences of Excessive Land Use Regulation

How does all of this relate to the mort-gage meltdown and the subprime crisis? It is very simple. There is no question that more liberal loan policies were the proxi-mate cause. But the strict land use regula-tions forced prices up much more than would have been the case if the previous more traditional yet environmentally sound regulation had been retained.

Places like California, the Northeast, the Northwest and Florida have implemented excessive land use controls. As a result, their land use planning systems have not been able to accommodate the stronger demand created in the more profligate lending environment. At the same time, as a result of its more relaxed land regulation, much of the rest of the nation was far better able to accommodate the higher demand. This includes the high-income world’s three fastest-growing metropolitan areas with a population of more than five million: Atlanta, Ga. and Houston and Dallas-Fort Worth, Texas.

This is illustrated by developments in the nation’s 50 largest metropolitan markets. Between 2000 and 2007, house prices increased an average of more than $275,000 compared to incomes (house price to household income ratio) in the 10 markets with the greatest price escalation or the greatest affordability loss. Among the second 10 markets with the greatest affordability loss, prices

The tragedy is that when most

of these decisions were made,

there was not the slightest

consideration of economics — the upward pressure

on house prices — or the number of households that would be denied

home ownership in the years to come.

rose $135,000 relative to incomes. By contrast, in the markets with the least affordability loss, house prices increased only $5,000. (See table below.)

What the 20 markets that have lost the most affordability have in common is excessive land use regulation. Virtually everyone knows the distress that such cost increases mean for America’s households.

But there are broader economic consequences that have expanded to the international market. From 2000 to 2007, the gross value of the U.S. housing stock rose $5.3 trillion relative to household incomes. It is estimated that $4.4 trillion of this increase occurred in the 20 most escalating markets, all of which are characterizedbyexcessivelanduseplanning. In each of four markets (Los Angeles, New York, San Francisco, Washington and Miami), the aggregate escalation above incomes was a third of a trillion dollars or more.

While there have been modest house price reductions in the most expensive markets, far larger drops would be required to restore previous levels of housing affordability in the most expen-sive markets. Moreover, Bureau of the Census estimates indicate that many of the markets that have lost so much

By Average House Price Increase

Number of Excessive Land Use Planning

(Smart Growth) Markets

Estimated Excess House Prices Over

2000 Average Price/Income Ratio

Rise in Aggregate House Value

Relative to Average Price/Income (in

Billions)

Rise in Mortgage Exposure Relative to

Average Price/Income

(in Billions)

Share of Excess Mortgage Escalation

Highest 10 100% $277,400 $3,400 $3,060 64%

Higher 10 100% $135,900 $1,020 $920 19%

Middle 10 50% $76,500 $520 $470 10%

Lower 10 10% $32,000 $190 $170 4%

Lowest 10 0% $5,200 $30 $30 1%

Total Major Metropolitan 52% $134,100 $5,160 $4,650 98%

Other Areas $110 $100 2%

United States $5,270 $4,750 100%

Notes: Assumes excess mortgage exposure is at the same ratio as aggregate value increase. Detailed metropolitan area excess housing value estimates are available at http://www.demographia.com/db-overhang.pdf.

Excess Price of Housing Stock and Excess Mortgage (From 2000)

SCBJ 08v1n3.indd 20 5/30/08 1:06:12 PM


Smart GrowthHow Smart Growth Exacerbated the International Financial Crisis

that the housing price bubble has been limited to metropolitan areas with strong land use regulation.

•ConservativeThomasSowell,nostranger to being a voice in the wilder-ness, has made similar points.

•Morerecently,TheoEicheroftheUni-versity of Washington produced a work-ing paper placing much of the blame for house price escalation on land use regulation in cities around the nation.

Consequences of Excessive Land Use Regulation

How does all of this relate to the mort-gage meltdown and the subprime crisis? It is very simple. There is no question that more liberal loan policies were the proxi-mate cause. But the strict land use regula-tions forced prices up much more than would have been the case if the previous more traditional yet environmentally sound regulation had been retained.

Places like California, the Northeast, the Northwest and Florida have implemented excessive land use controls. As a result, their land use planning systems have not been able to accommodate the stronger demand created in the more profligate lending environment. At the same time, as a result of its more relaxed land regulation, much of the rest of the nation was far better able to accommodate the higher demand. This includes the high-income world’s three fastest-growing metropolitan areas with a population of more than five million: Atlanta, Ga. and Houston and Dallas-Fort Worth, Texas.

This is illustrated by developments in the nation’s 50 largest metropolitan markets. Between 2000 and 2007, house prices increased an average of more than $275,000 compared to incomes (house price to household income ratio) in the 10 markets with the greatest price escalation or the greatest affordability loss. Among the second 10 markets with the greatest affordability loss, prices

rose $135,000 relative to incomes. By contrast, in the markets with the least affordability loss, house prices increased only $5,000. (See table below.)

What the 20 markets that have lost the most affordability have in common is excessive land use regulation. Virtually everyone knows the distress that such cost increases mean for America’s households.

But there are broader economic consequences that have expanded to the international market. From 2000 to 2007, the gross value of the U.S. housing stock rose $5.3 trillion relative to household incomes. It is estimated that $4.4 trillion of this increase occurred in the 20 most escalating markets, all of which are characterizedbyexcessivelanduseplanning. In each of four markets (Los Angeles, New York, San Francisco, Washington and Miami), the aggregate escalation above incomes was a third of a trillion dollars or more.

While there have been modest house price reductions in the most expensive markets, far larger drops would be required to restore previous levels of housing affordability in the most expen-sive markets. Moreover, Bureau of the Census estimates indicate that many of the markets that have lost so much

affordability are also losing large numbers of households to more affordable areas of the country, which could suggest that house prices may well drop even further.

Over the same period, the nation’s gross residential mortgage exposure rose $4.8 trillion relative to household incomes. If the distribution of mortgage exposure increase tracked with the increase in excess value noted above, then 83 percent is attributable to the 20 most escalating markets — again, all with restrictive land use planning or smart growth. Stated another way, if price-esca-lating smart growth policies had not been adopted in state capitals, county court-houses and local planning commissions, the financial risk in the current crisis would be at least $4 trillion less. This is a very high concentration of excess mortgage exposure, since these markets account for only 26 percent of the nation’s owner-occupied housing stock.

The tragedy is that when most of these decisions were made, there was not the slightest consideration of economics — the upward pressure on house prices — or the number of households that would be denied home ownership in the years to come. Yet these local decisions played a major role in what The Economist magazinecalledanearglobalcollapse.

Exacerbating the International Finance Crisis

Simply put, without smart growth, the international financial crisis that has raised so much appropriate concern would have been much less severe. Thus far, the policies of the Federal Reserve Board have failed to take notice of this important connection. Any serious effort to prevent a repeat of such destructive price volatility will require removing these destructive land use regulations that have done so much to destroy housing affordability in many markets while adding inordinately to the financial distress that is being felt around the world. Economics-chal-lenged state and local politicians must not be permitted to steer the interna-tional economy into an iceberg. SCBJ

Wendell Cox is principal of Demographia, a St. Louis based international public policy firm. He is also a visiting professor at the Conservatoire National des Arts et Metiers, a French national university in Paris.

This article was taken from www.heritage.org, Web Memo #1906, posted April 29, 2008.

By Average House Price Increase

Number of Excessive Land Use Planning

(Smart Growth) Markets

Estimated Excess House Prices Over

2000 Average Price/Income Ratio

Rise in Aggregate House Value

Relative to Average Price/Income (in

Billions)

Rise in Mortgage Exposure Relative to

Average Price/Income

(in Billions)

Share of Excess Mortgage Escalation

Highest 10 100% $277,400 $3,400 $3,060 64%

Higher 10 100% $135,900 $1,020 $920 19%

Middle 10 50% $76,500 $520 $470 10%

Lower 10 10% $32,000 $190 $170 4%

Lowest 10 0% $5,200 $30 $30 1%

Total Major Metropolitan 52% $134,100 $5,160 $4,650 98%

Other Areas $110 $100 2%

United States $5,270 $4,750 100%

Notes: Assumes excess mortgage exposure is at the same ratio as aggregate value increase. Detailed metropolitan area excess housing value estimates are available at http://www.demographia.com/db-overhang.pdf.

Table I • WMI906 • heritage.org

Excess Price of Housing Stock and Excess Mortgage (From 2000)

SCBJ 08v1n3.indd 21 5/30/08 1:06:13 PM


Regional Housing Market OverviewContinued from page 19

SC Legislators, Local HBAs Make Bird Supper a Success

2008 Day at the CapitolHome Builders Association of South Carolina (HBASC)

members showed up in force for the 2008 Day at the Capitol festivities. Members came together for the S.C. Political Action Committee meeting and luncheon where SC Senator Larry Grooms addressed a packed room and U.S. Sen. Lindsey Graham made a special appearance. Following the luncheon, everyone walked down to the State House to support Senator Jim Ritchie’s Residential Green Bill press conference and for some one-on-one time with their legislators to discuss issues important to home-builders, such as the residential green building, road funding, immigration reform, home sprinklers and the Residential Improvement District bills.

Thanks to our sponsors, Southeastern Insurance Consultants and Carolina Care Plan. Without them, the Day at the Capitol luncheon would not have been possible.

(L to R) HBASC Vice President Jim Gregorie, Rep. Dwight A. Loftis and HBASC President Bill Smith.

(L to R) Sen. Larry A. Martin, HBA Vice President Jim Gregorie and HBASC President Bill Smith.

subprime category. This is compared to 6.1 percent nationally. The foreclosure rate for these loans was 4.9 percent in South Carolina, compared to 5.7 percent nationally.

House price appreciation is the other major factor that has been problematic for housing markets nationally. Rapid appreciation during the housing boom raised both production and house prices to unsustainable levels. Over-production, particularly speculative production, has left markets with large inventories of unsold houses, putting downward pressure on prices.

South Carolina’s coastal markets of Myrtle Beach and Charleston are in the top tier of markets nationally that have experienced rapid price run-ups and upward spikes in production, leaving them vulnerable to significant price declines. These markets are expected to struggle with further declines in both production and prices through 2009.

The housing markets in Columbia and Greenville, further from the coast in central and western South Carolina experienced more moderate and sustainable increases in production and prices. These markets are expected to hit bottom by the end of 2008 and rebound in early 2009.

Combined, these four markets historically have accounted for 55 to 60 percent of housing activity in South Carolina. Based on the state-wide strength in the economic fundamentals, and the relative housing market strength of the non-coastal markets, South Carolina overall is expected to be among the first states to turn the corner in this housing cycle, returning to growth by the end of the year. SCBJ

Editor’s Note: Robert Denk will be presenting an in-depth look at the South Carolina housing market during his keynote address on Aug. 1, 2008, at the S.C. State Convention in Myrtle Beach.

Regional patterns in recovery will vary. Housing markets in the Northeast will improve earliest, with positive growth in the fourth quarter of 2008.

Keynote Speaker: Robert Denk“Eye on S.C.

Housing Market”Aug. 1, 2008

S.C. State ConventionMyrtle Beach, S.C.

SCBJ 08v1n3.indd 22 5/30/08 1:06:13 PM


SC Legislators, Local HBAs Make Bird Supper a Success

M ore than 450 builder and associate members and South Carolina legislators came

together for the 38th Annual Bird Supper and honored this year’s Hammer & Trowel Award recipients. The Marriott in downtown Columbia provided the scene for the longest-standing event on the South Carolina Legislative calendar, and the Home Builders Association of South Carolina (HBASC) provided a spirited atmosphere for legislators and members to discuss issues affecting the homebuilding industry.

“Every year we honor one outstanding legislator who has gone above and beyond the call of duty to support our homebuilding industry in the General Assembly,” said Bill Smith, HBA of SC president. “But this year, we decided to honor two legislators who are working to keep our state growing and prospering.”

For Their EffortsRep. Dwight A. Loftis of Greenville

County and Sen. Larry A. Martin of Pickens County both have been closely allied to the residential construction industry for many

years. Both men have been instrumental in passing legislation that promotes the residential building industry, and more importantly, home ownership for the citizensofSouthCarolina.WhileLoftishasbeen a staunch supporter of the home-builder agenda and a leader on environ-mental and land-use issues, Martin took leadership roles in both workers’ comp and tort reform and continues to promote private property rights.

An Opportunity to Network While the Hammer & Trowel Award

presentation was a big part of the Bird Supper, everyone also enjoyed the food and camaraderie at the event. Attendees had the chance to dine in style over traditional Southern food like fried quail, grits and gravy. Of course, some would say that the best part of the Bird Supper was networking with other members, sharing stories and getting to know other members from across the state.

When the night came to an end, one thing was for certain — South Carolina’s HBA members knew the importance of

2008 Day at the CapitolHome Builders Association of South Carolina (HBASC)

members showed up in force for the 2008 Day at the Capitol festivities. Members came together for the S.C. Political Action Committee meeting and luncheon where SC Senator Larry Grooms addressed a packed room and U.S. Sen. Lindsey Graham made a special appearance. Following the luncheon, everyone walked down to the State House to support Senator Jim Ritchie’s Residential Green Bill press conference and for some one-on-one time with their legislators to discuss issues important to home-builders, such as the residential green building, road funding, immigration reform, home sprinklers and the Residential Improvement District bills.

Thanks to our sponsors, Southeastern Insurance Consultants and Carolina Care Plan. Without them, the Day at the Capitol luncheon would not have been possible.

HBASC President Bill Smith thanks Ed Byrd, founder and owner of Southeastern Insurance Consultants, for sponsoring the Day at the Capitol luncheon.

(L to R) HBASC Vice President Jim Gregorie, Rep. Dwight A. Loftis and HBASC President Bill Smith.

(L to R) Sen. Larry A. Martin, HBA Vice President Jim Gregorie and HBASC President Bill Smith.


Regional patterns in recovery will vary. Housing markets in the Northeast will improve earliest, with positive growth in the fourth quarter of 2008.

Keynote Speaker: Robert Denk“Eye on S.C.

Housing Market”Aug. 1, 2008

S.C. State ConventionMyrtle Beach, S.C.

SCBJ 08v1n3.indd 23 5/30/08 1:06:18 PM


Bird SupperContinued from page 23

T he National Association of Home Builders (NAHB) launched their Green Building Field Verifier

Program recently, and South Carolina has jumped on board. For the first time on the East Coast, the Green Building Field Verifier training session will be held at this year’s convention in Myrtle Beach, and now is a great time take advantage of it.

Because national and local green building programs are taking off, a need for field verifiers has been created. The NAHB is searching for interested and qualified individuals to fill their need for field verifiers. As the sole certifying body, the NAHB Research Center is responsible for training and accrediting eligible candidates to verify that homes in South Carolina meet the criteria of the national certification program. The Green Building Field Verifier training is the first step to become an accredited verifier.

You’re probably wondering what’s involved in verifying green-built homes. First, the NAHB’s Research Center provides you with the tools you’ll need. The following is a run down of what you would be doing:• Executingaverificationagreement

with the builder. The agreement defines specific verification fees, the number of meetings with the builder, the number of inspections of any home presented for certification and any expected perfor-mance tests of homes under construction.

•Confirmingwiththebuilderthattheappropriate home scoring method or tool used correctly shows the points claimed by the builder and that both partiesunderstandthelevel(bronze,silver or gold) of green building certifi-cation that the builder is seeking.

Now Is a Good Time to Become a

Green BuildinG Verifierby Todd Usher, president HBA of Greenville

communicating with their legislators and with each other. HBA members repre-sented every area of the state at the Bird Supper, giving legislators a great opportu-nity to communicate with their constitu-

ents. Because of this great accomplishment and the teamwork between members, local executive officers, and HBASC staff, the Bird Supper was deemed a huge success.

The Home Builders Association of South Carolina would like to thank our Bird Supper sponsor, The Electric Cooperatives of South Carolina. SCBJ

Green Building Field Verifier Training

Saturday, Aug. 28 a.m. – noon

Marriott Grande Dunes ResortMyrtle Beach, S.C.

A ccording to Michael Couick, president and chief executive officer of the Electric

Cooperatives of South Carolina, Inc., (ECSC) the biggest challenge facing ECSC trade association members is communicating the need for affordable, reliable and responsible power as momentum builds for sweeping climate change legislation.

Couick explained this balancing act, similar to the one builders and HBAs are faced with. He said the pressures of global climate change and rising fossil fuel prices are increasing the challenges facing ECSC consumer-owned utilities as well as their consumer-members. “We sell power to customers with different needs and income levels. We are making every effort to keep that power affordable for every customer, understanding that proposed limits on carbon dioxide emissions are going to affect prices.”

Representing ECSC, Couick continues to work closely with the state’s congres-sional delegation to ensure that South Carolinians are not burdened with more than their share of costs resulting from the push to stem global warming. He further explained that South Carolina depends significantly on coal to produce electricityforitscitizens.Somelegisla-tion currently being considered would seriously limit the greenhouse gas emissions produced by that coal produc-tion, something the entire state needs to be concerned about. “Just as your HBA has to, we have to stay on top of these issues. Builders, like our members, are doing what they can to keep buyers happy. Today that means choices that help conserve energy.”

Partnering with the HBACurrently, Couick is working with state

and federal legislators to create tax credits for those members and customers participating in energy efficient programs. “We have concerned buyers. Someone building a home should be happy the first day they move in and throughout the years in that home.”

Couick pointed out that cooperative members support legislation recently introduced in the state Senate that would, among other goals, help families afford to make those home energy improvements. “We are looking for solutions, not excuses,” he said.

He credited homebuilders with already doing a good job of giving buyers choices when it comes to energy efficiency including everything from window choices to weather stripping and insula-tion to Energy Star appliances and green building choices. “It’s a big challenge today, but as the cost of electricity and fuel goes up, the buyer wants something that will save them financially and leaves a smaller carbon footprint.”

Couick stressed that this is far more than a one- or even five-year effort on the part of the cooperative and HBAs. “Energy efficiencyisnotaone-size-fitseverybody.We have to continue to become more efficient at providing choices because these issues aren’t going to go away. We have to balance electricity demand with environ-mental stewardship.”

The ECSC is the statewide service and trade association for electric cooperatives in South Carolina. Members include 19 consumer-owned electric cooperatives, three wholesale power supply coopera-tives and one materials supply coopera-

tive. Together, ECSC members operate the largest electric distribution system in the state. More than 1.4 million South Carolinians in all 46 counties use electric-ity from electric cooperatives.

Michael Couick joined the electric coopera-tives in 2005. Before that, he served as the director of research and attorney for the South Carolina Senate Judiciary Committee for 21 years. Couick is a 1981 graduate of the University of South Carolina. He graduated from the USC School of Law in 1984. He and his wife, Mary Coleman Couick, have four children — Marchant, Coleman, Alex and Campbell, deceased. SCBJ

the electric cooperatives oF south carolina

Addressing Climate Change Concerns While Keeping Energy Affordable and Reliable

Electric Cooperatives Do Their Part for the Environment• Cooperative members have committed 1.1 percent

of their gross budgeted revenues to renewable energy research.

• The electric cooperatives are partners in a $10 million grant that is funding clean energy research at the University of South Carolina.

• Beginning in April, every household served by a South Carolina electric cooperative member started receiving two free CFLs in the mail as part of a new “do the light switch” program. In this first year of the program, the co-ops expect to place 1.2 mil-lion CFLs in members’ homes. Before the program concludes, they are looking to distribute seven million energy-saving, compact fluorescent bulbs.

CFLs are good for the environment. Because they use less energy, CFLs lessen the amount of greenhouse gases released into the atmosphere. One bulb will prevent more than 450 pounds of greenhouse gas emissions over its lifetime, the equivalent of keeping nearly 200 pounds of coal from being burned. One 60-watt equivalent CFL will save an average of $30 over its lifetime, CFL bulbs will last six to 10 times longer than a standard incandescent bulb.

SCBJ 08v1n3.indd 24 5/30/08 1:06:22 PM


T he National Association of Home Builders (NAHB) launched their Green Building Field Verifier

Program recently, and South Carolina has jumped on board. For the first time on the East Coast, the Green Building Field Verifier training session will be held at this year’s convention in Myrtle Beach, and now is a great time take advantage of it.

Because national and local green building programs are taking off, a need for field verifiers has been created. The NAHB is searching for interested and qualified individuals to fill their need for field verifiers. As the sole certifying body, the NAHB Research Center is responsible for training and accrediting eligible candidates to verify that homes in South Carolina meet the criteria of the national certification program. The Green Building Field Verifier training is the first step to become an accredited verifier.

You’re probably wondering what’s involved in verifying green-built homes. First, the NAHB’s Research Center provides you with the tools you’ll need. The following is a run down of what you would be doing:• Executingaverificationagreement

with the builder. The agreement defines specific verification fees, the number of meetings with the builder, the number of inspections of any home presented for certification and any expected perfor-mance tests of homes under construction.

•Confirmingwiththebuilderthattheappropriate home scoring method or tool used correctly shows the points claimed by the builder and that both partiesunderstandthelevel(bronze,silver or gold) of green building certifi-cation that the builder is seeking.

•Checkingtoseeifabuildercandidateis in an approved green development and, if so, determine the number of pre-approved points the green develop-ment provides to the builder.

•Deciding,withthebuilder,whetheraninitial review of the builder’s support-ing documentation is required before the initial (pre-drywall) site inspec-tion. Verifiers complete such document review, if needed, and record results.

• Schedulingthefirstsiteinspectionandnotifying the certifying agent (the NAHB Research Center) of this scheduled date.

•Conductingtheinspectionanddocu-menting the results.

•Documentinganyperformancetests(i.e. duct leakage test results) done on this home by the verifier or by others.

• Schedulingthesecond(final)inspec-tion and notifying the NAHB Research Center of this scheduled date.

• Includingdocumentationofanyperfor-mance tests (blower door or flow hood test results) done on this home by the verifier or by others.

• Conductingthefinalsiteinspectionandre-cording the all results (documentation review, first and final site inspections) and any verifier comments into the appropriate form for confirmation by the certifier.

Before you can register for the training session, you must meet specific pre-requi-sites that prove you have the training and experience needed to fully understand general homebuilding practices and green building. Once you’ve completed the NAHB Research Center’s prerequisite form, they will determine whether or not you’re a candidate for the program. Specific types of experience that fulfill the prerequisite eligibility requirement include: one year of acceptable professional experience in homebuilding and green building practices, at least 12 hours of acceptable green training, designation by NAHB as a Green Building Professional or professional certification from Green Advantage.

As soon as the NAHB approves you as a candidate, you can register for the training

session. The verifier course covers the protocol for verifying that a house meets the national certification program requirements, and is intended to ensure all verifiers across the country evaluate homes in a consistent manner. It is a three-hour course followed by a proctored test, which must be passed in order to become an accredited verifier. This training does not include developing the “green” expertise each prospective verifier is expected to have as a prerequisite.

Registration for training is open only to individuals who meet the prerequisites and must be submitted at least one week before any training session to allow time for the Research Center to confirm the participant’s experience and qualifications. So, if you want to take the training session in Myrtle Beach, don’t wait too long.

For more information about the training in Myrtle Beach, contact the Home Builders Association of South Carolina at (803) 771-7408 or visit them online at www.HBAofSC.com. For more information about the Green Building Verifier Program, visit www.nahbgreen.org. SCBJ

Now Is a Good Time to Become a

Green BuildinG Verifierby Todd Usher, president HBA of Greenville

Green Building Field Verifier Training

Saturday, Aug. 28 a.m. – noon

Marriott Grande Dunes ResortMyrtle Beach, S.C.

Before you can register for the

training session, you must meet specific prerequisites that prove you have the

training and experience needed to fully

understand general homebuilding practices

and green building.

tive. Together, ECSC members operate the largest electric distribution system in the state. More than 1.4 million South Carolinians in all 46 counties use electric-ity from electric cooperatives.

Michael Couick joined the electric coopera-tives in 2005. Before that, he served as the director of research and attorney for the South Carolina Senate Judiciary Committee for 21 years. Couick is a 1981 graduate of the University of South Carolina. He graduated from the USC School of Law in 1984. He and his wife, Mary Coleman Couick, have four children — Marchant, Coleman, Alex and Campbell, deceased.

the electric cooperatives oF south carolina

Addressing Climate Change Concerns While Keeping Energy Affordable and Reliable

SCBJ 08v1n3.indd 25 5/30/08 1:06:28 PM


What Is the S.C. Builders PAC?The South Carolina Builders Political Action Committee (PAC)

is a non-partisan committee that provides financial support to political candidates and their campaigns for election to local and state offices. Support is given to candidates who are friends of the building industry.

Where Does Funding Come From and How Is it Spent?

Local HBAs raise funds through contributions from individual members and from corporations. Most of the funds stay with the local HBA; however, some funding goes to the S.C. Builders PAC.• 80percentisgiventothelocalHBAforsupportofcandidates

they select.•15percentgoestostatewidecandidates,suchasthegover-

nor’s race.• 5percenthelpsdefraythecostsofoperatingtheS.C.Builders.

Why Join the S.C. Builders PAC?To a large extent, the climate for the homebuilding industry is

determined by state and local political decisions. Joining the S.C. Builders PAC means you have a hand in who is elected to office and the legislation that will affect your bottom line. Your voice will be heard and you can make a difference! You don’t have to be knowl-edgeable in politics to become a member. If you are concerned about the future of the homebuilding industry in your community and in South Carolina, then you should join the S.C. Builders PAC. For more information, call (803) 771-7408 or your local HBA.

Hammer & Trowel Clubo $2,500 annuallyo $1,250 semi-annuallyo $625 quarterly

Capitol Clubo $1,000 annuallyo $500 semi-annuallyo $250 quarterly

Gold Hammero $500 annuallyo $250 semi-annually

Silver Hammero $250 (payment in full)

Bronze Hammero $100 (payment in full)

Donoro under $100 Contributions are per calendar year.

Up on the Roof...

Since 1974, Duradek has solved countless ‘walkable waterproo ng’ demands. Duradek’s PVC membrane system is installed by factory trained technicians quickly and easily and is usable immediately. Let Duradek ful l your waterproo ng needs on sun decks, roof decks, balconies, walkways and more.

To nish your outdoor living space, add Durarail powder coated aluminum railings for safety and style. Available in both picket and view through glass styles and nearly limitless colors, Durarail can be tailored to suit nearly any job.

traineLet Ddecks

Waterproof Outdoor Vinyl Flooring Since 1974

be tailPowder Coated Aluminum Railing Systems

Duradek MidAtlantic800-403-3286 www.duradekmidatlantic.com

SCBJ 08v1n3.indd 26 5/30/08 1:06:32 PM


S.C. Builders PAC can accept both personal and corporate contributions.

Name _____________________________________

Local association ____________________________

Mailing address _____________________________

City/State/Zip _______________________________

Phone Number ______________________________

Fax Number ________________________________

E-mail address ______________________________

**Give us your e-mail address and we will send you the weekly Legislative Report.

o Enclosed is my check made payable to S.C. Builders PaC.

o i want to pay in installments. i understand that my card will be automatically charged.

o Please charge my entire contribution to my credit card. Circle One: MasterCard ViSa

Card Holder’s Name __________________________

Card Number _______________________________

Signature __________________________________

Expiration Date ______________________________

What Is the S.C. Builders PAC?The South Carolina Builders Political Action Committee (PAC)

is a non-partisan committee that provides financial support to political candidates and their campaigns for election to local and state offices. Support is given to candidates who are friends of the building industry.

Where Does Funding Come From and How Is it Spent?

Local HBAs raise funds through contributions from individual members and from corporations. Most of the funds stay with the local HBA; however, some funding goes to the S.C. Builders PAC.• 80percentisgiventothelocalHBAforsupportofcandidates

they select.•15percentgoestostatewidecandidates,suchasthegover-

nor’s race.• 5percenthelpsdefraythecostsofoperatingtheS.C.Builders.

Why Join the S.C. Builders PAC?To a large extent, the climate for the homebuilding industry is

determined by state and local political decisions. Joining the S.C. Builders PAC means you have a hand in who is elected to office and the legislation that will affect your bottom line. Your voice will be heard and you can make a difference! You don’t have to be knowl-edgeable in politics to become a member. If you are concerned about the future of the homebuilding industry in your community and in South Carolina, then you should join the S.C. Builders PAC. For more information, call (803) 771-7408 or your local HBA.

Hammer & Trowel Clubo $2,500 annuallyo $1,250 semi-annuallyo $625 quarterly

Capitol Clubo $1,000 annuallyo $500 semi-annuallyo $250 quarterly

Gold Hammero $500 annuallyo $250 semi-annually

Silver Hammero $250 (payment in full)

Bronze Hammero $100 (payment in full)

Donoro under $100 Contributions are per calendar year.

South Carolina Builders Political Action Committee Your Direct Line to South Carolina Politics

Hammer & Trowel ClubKarl HaslingerSteven Mungo

Capitol ClubGeorge DelkWolf Construction Company, Inc.Stewart MungoKeith Smith BuildersMark NixDavid HilburnAllen PattersonBuck RobertsHerb WitterPatterson ResidentialDavid ClarkJohn Covert

Gold Hammer Hal Von NessenJames GravesSycamore Development, LLCBarry DavisWeaver Systems, Inc.Edmund MonteithRonald Roe

Civil Engineering of ColumbiaDavid GullyMike LowmanErnie Magaro, Jr.Dunbar Builders, Inc.Keith Postal

Silver HammerBill SmithFrank Veletto, Jr.Robin McLeodLarry HowellThe Building Center, Inc.Mark BosticBowers Nursery, Inc.Earl McLeodDottie LaFitteSmith Millwork, Inc.Kisker Construction, Inc.Hallmark HomesDonna SmithThe Gregorie CompanyVee DanielJohn ButcherWally SeinsheimerColin CampbellGerald LawsonHugh Atkins

Manning LynchPhillip LawsonBarbara RickerStephen CorboyBronze HammerHarold DriverPalmetto Builders, Inc.James FindleyRuth Ellen HardeeBennett GriffinAshley FeasterCheryl FloydRose Anne O’ReillyDino HicksMichael DeySteve ThomasNick NicholsonAndy BarberMary Ellen BrushPhillip FordJennifer BradeyEric Zimmerman

Donor LevelThank you to the hundreds of donors who have contributed to the South Carolina Builders PAC!

South Carolina Builders PAC (As of April 30, 2008)

Up on the Roof...

Since 1974, Duradek has solved countless ‘walkable waterproo ng’ demands. Duradek’s PVC membrane system is installed by factory trained technicians quickly and easily and is usable immediately. Let Duradek ful l your waterproo ng needs on sun decks, roof decks, balconies, walkways and more.

To nish your outdoor living space, add Durarail powder coated aluminum railings for safety and style. Available in both picket and view through glass styles and nearly limitless colors, Durarail can be tailored to suit nearly any job.

traineLet Ddecks

Waterproof Outdoor Vinyl Flooring Since 1974

be tailPowder Coated Aluminum Railing Systems

Duradek MidAtlantic800-403-3286 www.duradekmidatlantic.com

SCBJ 08v1n3.indd 27 5/30/08 1:06:38 PM

www.hbaofsc.com • South Carolina Builder Journal • 2008South Carolina Builder Journal • 2008 • www.hbaofsc.com28

Aiken CountyBrad Barbee........................................................................................... Barbee Electric, Inc.Trampus Campbell ...............................................................Southern Cultured Marble, Inc.Eric Gibbs ........................................................................................... Gibbs Enterprises, LLCTommy Robinson ........................................................................................ Carpet Creations

AndersonJon Graff ...................................................................................................Southern StaircaseJeff Holley ............................................................................... Always Green Grass PaintingGreg Hunt .............................................................................Anderson Tile & Carpet Dist CoLauren Jamison................................................................Certa Pro Painters of the UpstateRick MehtaShalimar ..........................................................................................Homes, Inc. Ruthie Parnell........................................................................... Anderson Independent MailRandy Peal ............................................................................................Arrow ExterminatorsSavanna Thompson ..............................................................................Upstate AutomotiveDon Turner ............................................................................................. Turner Floor Sanding

Charleston–TridentAndy Barber ................................................................................. McClellan-Templeton, LLCThom Chumney ......................................................................................Mungo ConstructionStephanie Fabrizio........................................................ New Tradition Custom Homes, Inc.Clark Hunter......................................................................................................AGM ImportsRussell Huntley ...................................................................................McGee Bros. Co., Inc.David Jaffee...............................................................................................Shelter MortgageJohn Kozma........................................................................Lowcountry Home Energy RatersDiana McAbee .................................Prudential Carolina Real Estate New Homes DivisionLee McKenna..................................................................................American Paving DesignKevin Meek ....................................................................................... Homepro Services, LTDStephanie Post ................................................................................................. WCBD-NBC2Christopher Powell .......................................................................... Pro Tek 24 Security CoChris Ruhle...........................................................................Premier Power Generation, LLCRandy Sacora .............................................................................Patton General ContractingQuentin Senise ....................................................................Charleston Style & Design, LLCNeil Shepard............................................................................................................KB HomeCurtis Sircy .................................................................................... G & S Home RemodelingThomas Strock, III............................................................................ Strock Enterprises, Inc.John Tabb .......................................................................................................... Merrill LynchDorothy Thaxton.....................................................................Daniel Island Associates, LLCMichael Thomas ................................................................................TNT Construction, LLC

Cherokee CountyJeff Ranew ..................................................................SC Home Builders Self Insurers FundJohn Watson ............................................................................... Watson Furnture CompanyBrad Wilkins......................................................................Don L Wilkins & Associates, Inc.

Greater ColumbiaVickie Amick ...................................................................................... Weaver Systems, Inc.Christopher Anderson .......................................................................... Wachovia Bank N AWalter Arnold ................................................................................. Essex Homes SoutheastPatrick Baxley............................................................................ Bush River Electric ServiceDavid Bouknight, Jr. ..........................................................................Bouknight Pumps, LLCDon Brasington ............................................................. Concrete Services of the MidlandsJay BresslerHaynsworth............................................................................Sinkler Boyd PADennis Bright...................................................................................Carolina Sunrooms, Inc.Jeb Buckner ........................................................................Midland Mortgage CorporationMegan Dooley .................................................................. Russell & Jeffcoat Realtors, Inc.Lynwood Duke ................................................................... Russell & Jeffcoat Realtors, Inc.Daniel Elmaleh ...................................................................Chrysanthemum Properties, LLCThomas Eppink ..................................................................................Thomas G. Eppink LawBobby Fuller.........................................................................................State Farm InsuranceBennett Galloway ...........................................................................Capitol City Homes, Inc.Kathy Garrick..................................................................... Prudential Midlands Real EstateJamie Hook .........................................................................................Hook Contracting, LLCScott Hydrick, Jr. .....................................................................Three Rivers Custom HomesJon Keith ............................................................................................C. F. Evans & CompanyJorge Landoverde ...............................................................................M and L ConstructionJason Lenker ...........................................................................................Lenker Design, LLCGerald Lonon ..........................................................................Pace Engineering Consul, Inc.Taylor Luthren .................................................................................Palmetto Brick CompanyLeonard McCullough, Jr. ............................. McCullough Residential & Commercial Svcs.Lois Propst ................................................................................Vintage Vainglories InteriorsLuther Reeves .................................................................................... Keller Williams Realty

Tommy Rogers .........................................................................................Eccotemp SystemsEileen Rumph..................................................................... Prudential Midlands Real EstateKatherine Salters .................................................................. Windstream CommunicationsSteve Sease ......................................................................................... Addy’s Harbor DodgeMac Smith ....................................................................................All Pro Improvements, Inc.Tom Smith ...........................................................................Columbia Shelving & Mirror, Inc.Steven Styron .......................................................................Tally Ho Painting Services, LLCDavid Tuttle .................................................................... Hallmark Homes International, Inc.David Watkins ................................................................................... Shumaker Homes, Inc.Rusty Williams ....................................................................... Drawdy’s Heating & A/C, Inc.

Greater Pee DeeSteve Barber .......................................................................Control Solutions & IntregrationLarry Culberson .............................................................................Huntco Construction, Inc.Jerrod Duncan.............................................................................. SS Custom WoodworkingRusty Hale ........................................................................................Nature Stone of IndianaKevin Hammond .........................................................................Pee Dee Electric Coop, Inc. Mike Jones ..................................................................................Mold Stoppers of FlorenceRC Jones...............................................................Premier Home Builders & Inspection, LLCMichael Jordan...........................................................Michael J. Jordan Construction, LLCMark Lusk ......................................................................................Qantum CommunicationsJohnny Nexsen ...............................................................................Synovus Mortgage CorpFrances Segars ..............................................................................Prudential Segars RealtyBing Sharpe ...........................................................................................Sharpe Construction

Greater SpartanburgLinda Brooks..........................................................................................All In One InsulationBrian Cantrell .......................................................................................................Byana, LLCMichael Dawson ......................................................................................... Joy Real EstateCharles Dean ..................................................................Dean & Dean Quality ConstructionLinda Gamble....................................................................................................Carolina FirstLewis Jackson .......................................................................Applied Appraisal Group, LLCAdam Seaman ......................................................................................... Roger Shiflett FordJimmy Williams .................................................................................Williams ConstructionDavid Wilson ................................................................................. Wilson Built Homes, LLC

GreenvillePedro Arguedas ................................................................................Arguedas ConstructionSteve Carson..................................................................................Carson Construction, LLCGustavo Clark ...........................................................................................Costco WholesaleShannon Cone ...............................................................................Homes & Land MagazineAnita Davis..........................................................................................David Smith CompanyKathie Eger............................................................................................. Consept Homes LLCPatrick Franzen ....................................................................................Highland DevelopersRobert Gage .............................................................................. The United Insurance GroupJimmy Garrett, Jr. ............................................................ Karpenter Kraft & Millwork, Inc.Rick Gilstrap .....................................................................................Triangle Brick CompanyBrandon Hilgeman............................................................................................Capital BankJeff Hopkins............................................................................... The Improvement CompanyChris Jakubowicz ..................................................................... Upstate Trim Company, LLCKen Keller.................................................................................. Spartan Computer ServicesJames McVay ............................................................................. James Sutton Homes, LLCRichard Powers .................................................................................Piedmont Natural GasWayne Reid ...............................................................................................Gallery of LightingAngelia Simmons...................................................................................................Circa, Inc.Bob Wagner ..................................................................................................Coronado Stone Jet Willey .............................................................................................Coldwell Banker Cain

Hilton Head Frank Ambrosic ....................................................... Ambrosic Home Theater Designs, LLCHRon Boshaw ........................................................................Tilton Group Signature HomesDominick Failla ...............................................................................................Better HeaderTate Hilliard ........................................................................................... A. Tate Hilliard, LLCKathleen Mayers..............................................................................................KPM FlooringKelley McRorie ....................................................................... K S McRorie Interior DesignTim Niemiec............................................................................ American Paving Design, Inc.Eric Norman ..................................................................................................... Reno Pro, Inc.Mark Phillips ................................................................................Phillips Electrical Co., Inc.Warren Rodkin ............................................................................ Variety Floor Covering, IncDavid Stebbing ............................................................ Prime Real Estate and DevelopmentBrian Sylvester.......................................................................... Precision Granite & MarbleBill Traver ...........................................................................................OneWorld Sustainable

Second Quarter 2008 New Members

Jason Webster .................................................................................................Elite Tile, LLCSheree Woods .............................................................................Lowcountry National BankChris Wright ...........................................................................................Carolina Oak Homes

Horry GeorgetownTom Baher ......................................................................................Impressive Concrete, Inc.Hunter Brown ........................................................................... Hunter Brown DevelopmentNina Brown...................................................................................................... Stone SettersGlen Clarke ............................................................................................................Super SodDan Colomb................................................................................................. The Home GroupBryan Doster ................................................................................Equity Home ImprovementSteve Fournier ...................................................................Steve Fournier Custom Bldg, Inc.James Frank ........................................................................... Richmond Homes Const CorpHardin Hawes...........................................................................................1-800-GOT-JUNK?Mark Hilts ............................................................................................ Stonewall Villas, LLCLinda Kiser ................................................................................Well Built Homes of MI, LLCTodd Moose ............................................................................... Carolina Shoreline BuildersDianne Ray ...........................................................................................Garden City FurnitureDan Roys..........................................................................Mainstay Building & DevelopmentAnthony J. Sala ......................................................................................... Silver CompaniesChad Schraeder ...............................................................................Coastal Custom HomesChris Smith......................................................................................Sears Commercial SalesJay Weaver ...........................................................................................Ferguson Enterprises

LakelandsMicheal Carpenter ............................................................................The Gutter CarpentersMike Pinckney ............................................................................Panagakos Asphalt PavingRonnie Powell ....................................................................... Landmark Home Builders, Inc.

LancasterCharles Lowery ..........................................................................Southern Pride Contractors

Laurens NewberryCharlie Banks .....................................................................................LCB Construction, LLCWayne Boland .................................................................................Bolands Erosion ControlLawrence Nelson .........................................................................Adams Building SuppliesRalph Snow.................................................................................... Attention To Details, LLC

Don’t let Cost Overruns and Supply Shortages blow you over. Cardinal Homes’ modular

solution offers fast, reliable delivery with the same high quality standards you hold

yourself to every day.

SCBJ 08v1n3.indd 28 5/30/08 1:06:51 PM

www.hbaofsc.com • South Carolina Builder Journal • 2008 29South Carolina Builder Journal • 2008 • www.hbaofsc.com

Tommy Rogers .........................................................................................Eccotemp SystemsEileen Rumph..................................................................... Prudential Midlands Real EstateKatherine Salters .................................................................. Windstream CommunicationsSteve Sease ......................................................................................... Addy’s Harbor DodgeMac Smith ....................................................................................All Pro Improvements, Inc.Tom Smith ...........................................................................Columbia Shelving & Mirror, Inc.Steven Styron .......................................................................Tally Ho Painting Services, LLCDavid Tuttle .................................................................... Hallmark Homes International, Inc.David Watkins ................................................................................... Shumaker Homes, Inc.Rusty Williams ....................................................................... Drawdy’s Heating & A/C, Inc.

Greater Pee DeeSteve Barber .......................................................................Control Solutions & IntregrationLarry Culberson .............................................................................Huntco Construction, Inc.Jerrod Duncan.............................................................................. SS Custom WoodworkingRusty Hale ........................................................................................Nature Stone of IndianaKevin Hammond .........................................................................Pee Dee Electric Coop, Inc. Mike Jones ..................................................................................Mold Stoppers of FlorenceRC Jones...............................................................Premier Home Builders & Inspection, LLCMichael Jordan...........................................................Michael J. Jordan Construction, LLCMark Lusk ......................................................................................Qantum CommunicationsJohnny Nexsen ...............................................................................Synovus Mortgage CorpFrances Segars ..............................................................................Prudential Segars RealtyBing Sharpe ...........................................................................................Sharpe Construction

Greater SpartanburgLinda Brooks..........................................................................................All In One InsulationBrian Cantrell .......................................................................................................Byana, LLCMichael Dawson ......................................................................................... Joy Real EstateCharles Dean ..................................................................Dean & Dean Quality ConstructionLinda Gamble....................................................................................................Carolina FirstLewis Jackson .......................................................................Applied Appraisal Group, LLCAdam Seaman ......................................................................................... Roger Shiflett FordJimmy Williams .................................................................................Williams ConstructionDavid Wilson ................................................................................. Wilson Built Homes, LLC

GreenvillePedro Arguedas ................................................................................Arguedas ConstructionSteve Carson..................................................................................Carson Construction, LLCGustavo Clark ...........................................................................................Costco WholesaleShannon Cone ...............................................................................Homes & Land MagazineAnita Davis..........................................................................................David Smith CompanyKathie Eger............................................................................................. Consept Homes LLCPatrick Franzen ....................................................................................Highland DevelopersRobert Gage .............................................................................. The United Insurance GroupJimmy Garrett, Jr. ............................................................ Karpenter Kraft & Millwork, Inc.Rick Gilstrap .....................................................................................Triangle Brick CompanyBrandon Hilgeman............................................................................................Capital BankJeff Hopkins............................................................................... The Improvement CompanyChris Jakubowicz ..................................................................... Upstate Trim Company, LLCKen Keller.................................................................................. Spartan Computer ServicesJames McVay ............................................................................. James Sutton Homes, LLCRichard Powers .................................................................................Piedmont Natural GasWayne Reid ...............................................................................................Gallery of LightingAngelia Simmons...................................................................................................Circa, Inc.Bob Wagner ..................................................................................................Coronado Stone Jet Willey .............................................................................................Coldwell Banker Cain

Hilton Head Frank Ambrosic ....................................................... Ambrosic Home Theater Designs, LLCHRon Boshaw ........................................................................Tilton Group Signature HomesDominick Failla ...............................................................................................Better HeaderTate Hilliard ........................................................................................... A. Tate Hilliard, LLCKathleen Mayers..............................................................................................KPM FlooringKelley McRorie ....................................................................... K S McRorie Interior DesignTim Niemiec............................................................................ American Paving Design, Inc.Eric Norman ..................................................................................................... Reno Pro, Inc.Mark Phillips ................................................................................Phillips Electrical Co., Inc.Warren Rodkin ............................................................................ Variety Floor Covering, IncDavid Stebbing ............................................................ Prime Real Estate and DevelopmentBrian Sylvester.......................................................................... Precision Granite & MarbleBill Traver ...........................................................................................OneWorld Sustainable

Second Quarter 2008 New Members

Jason Webster .................................................................................................Elite Tile, LLCSheree Woods .............................................................................Lowcountry National BankChris Wright ...........................................................................................Carolina Oak Homes

Horry GeorgetownTom Baher ......................................................................................Impressive Concrete, Inc.Hunter Brown ........................................................................... Hunter Brown DevelopmentNina Brown...................................................................................................... Stone SettersGlen Clarke ............................................................................................................Super SodDan Colomb................................................................................................. The Home GroupBryan Doster ................................................................................Equity Home ImprovementSteve Fournier ...................................................................Steve Fournier Custom Bldg, Inc.James Frank ........................................................................... Richmond Homes Const CorpHardin Hawes...........................................................................................1-800-GOT-JUNK?Mark Hilts ............................................................................................ Stonewall Villas, LLCLinda Kiser ................................................................................Well Built Homes of MI, LLCTodd Moose ............................................................................... Carolina Shoreline BuildersDianne Ray ...........................................................................................Garden City FurnitureDan Roys..........................................................................Mainstay Building & DevelopmentAnthony J. Sala ......................................................................................... Silver CompaniesChad Schraeder ...............................................................................Coastal Custom HomesChris Smith......................................................................................Sears Commercial SalesJay Weaver ...........................................................................................Ferguson Enterprises

LakelandsMicheal Carpenter ............................................................................The Gutter CarpentersMike Pinckney ............................................................................Panagakos Asphalt PavingRonnie Powell ....................................................................... Landmark Home Builders, Inc.

LancasterCharles Lowery ..........................................................................Southern Pride Contractors

Laurens NewberryCharlie Banks .....................................................................................LCB Construction, LLCWayne Boland .................................................................................Bolands Erosion ControlLawrence Nelson .........................................................................Adams Building SuppliesRalph Snow.................................................................................... Attention To Details, LLC

LowcountryJames Bellew ................................................................................... Wells Fargo MortgageCourtney Congleton ...............................................................................Coastline CabinetryBrent Cooper......................................................................... Communication Publishing Co.Scott Dennis ....................................................................................................NBM BuildersRick Green .........................................................................................................Ameris BankGarry Greene .............................................................................Butler Chrysler Dodge JeepPam Johnson ..............................................................................Sands Publishing CompanyCraig Jones ......................................................................Jones Consulting & Pest Services Wade Martin ......................................................................................Martin Landscape, LLCWalter Oliver, Jr. ..........................................................................Oliver’s Bushhogging, LLCNick Paris .............................................................................................Ferguson EnterprisesWillis Ponds ...............................................................................Ponds & Sons ConstructionCindy Smith .................................................................................. Budget Blinds Of BeaufortCharlie Treskey .......................................................................................Oldcastle SurfacesFrank Tuckwiller ................................................................................................ Carolina AirMark Turner ...........................................................................Coastal home Technology, Inc.

OconeeEmily Christensen ................................................................Taylors Window & Screen, Inc.Bill Fitts ........................................................................................Gateway Supply CompanyBill Head.............................................................................................Head Lee Nursery, Inc.Shane Smith................................................................................................First Savers BankBill Stephens ...................................................................................................Carter LumberWalston ....................................................................................Performance Chevrolet Buick

Orangeburg Bamberg CalhounDan Ligon ......................................................................... Southern Craftsman Construction

York Herbie Blackwell ................................................................................ Wachovia MortgageArthur Green ......................................................................................... Wachovia MortgageHeather Poole..................................................................Airtron Heating & AirconditioningSCBJ

Don’t let Cost Overruns and Supply Shortages blow you over. Cardinal Homes’ modular

solution offers fast, reliable delivery with the same high quality standards you hold

yourself to every day.

SCBJ 08v1n3.indd 29 5/30/08 1:06:59 PM

South Carolina Builder Journal • 2008 • www.hbaofsc.com30

Education Calendar

Calendar of Events▲▲

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The following education opportunities are approved for Certified Master Builder credit unless indicated.

July 21: NAHB’s Multicultural Sales Techniques and Strategies. For more information, contact Heather McDonald at (803) 256-6238 or [email protected].

July 31: Alive, Green & Well: Green Building for Associates and Builders. State Convention registration required to take this course. For more information, contact Brandie Freeman at (803) 771-7408 or [email protected].

July 31: NAHB’s Business Management for Building Professionals. For more information, contact Brandie Freeman at (803) 771-7408 or [email protected].

Aug. 1: Eye on the S.C. Housing Market. For more information, contact Brandie Freeman at (803) 771-7408 or [email protected].

Aug. 1: QuickBooks for Builders/Remodelers. For more information, contact Brandie Freeman at (803) 771-7408 or [email protected].

Aug. 1: How to Move Homes in a Down Market. For more information, contact Brandie Freeman at (803) 771-7408 or [email protected].

Aug. 1: Self Insurer’s Fund Safety Course. For more information, contact Brandie Freeman at (803) 771-7408 or [email protected].

Aug. 1: Construction Contracts. For more information, contact Brandie Freeman at (803) 771-7408 or [email protected].

Aug. 1: Customer Service. For more information, contact Brandie Freeman at 803-771-7408 or [email protected].

Aug. 1: Technical Solutions to IRC Changes. For more information, contact Brandie Freeman at (803) 771-7408 or [email protected].

Aug. 1: Introduction to Green Building for Associates & Builders. For more information, contact Brandie Freeman at (803) 771-7408 or [email protected].

Aug. 1: Code Update. For more information, contact Brandie Freeman at (803) 771-7408 or [email protected].

Aug. 1: Kitchen Design 101. For more information, contact Brandie Freeman at (803) 771-7408 or [email protected].

Aug. 1: Developing Strategies for Resolving Construction Disputes for the Home Builder. For more information, contact Brandie Freeman at (803) 771-7408 or [email protected].

Aug. 2: NAHB Green Building Field Verifier Training. For more information, contact Brandie Freeman at (803) 771-7408 or [email protected].

Aug. 2: NAHB BAR – Not Approved for Certified Master Builder credit. For more information, contact Brandie Freeman at (803) 771-7408 or [email protected].

Aug. 2: NAHB PREP – Not Approved for Certified Master Builder credit. For more information, contact Brandie Freeman at (803) 771-7408 or [email protected].

Aug. 12: Effective Marketing on a Shoestring Budget. For more information, contact Heather McDonald at (803) 256-6238 or [email protected].

June9-13 ......................................................................................................................................................HBA of Aiken County Builder Blitz18........................................................................................................HBA of Greater Columbia Summer Outing & Golf Tournament26......................................................................................................................................HBA of Oconee General Membership Meeting

July24......................................................................................................................................HBA of Oconee General Membership Meeting30-Aug. 3 ........................................HBA of S.C. State Convention, Marriott Resort at Grande Dunes Resort, Myrtle Beach, S.C.31.................. Denim & Diamonds Spike Party at the State Convention, Marriott Resort at Grande Dunes, Myrtle Beach, S.C. 31........................ Fun for All Spike After Party at the State Convention, Marriott Resort at Grande Dunes, Myrtle Beach, S.C.

August 1................ Exhibitor Luncheon & Trade Show at the State Convention, Marriott Resort at Grande Dunes, Myrtle Beach, S.C. 2.................Battle of the Builders Competition at the State Convention, Marriott Resort at Grande Dunes, Myrtle Beach, S.C. 2.........S.C. Builders PAC Silent Auction Reception at the State Convention, Marriott Resort at Grande Dunes, Myrtle Beach, S.C. 2...................................................... State Convention Grande Finale Party, Marriott Resort at Grande Dunes, Myrtle Beach, S.C. 5-10 ..................................................................................... NAHB Executive Officer Council Seminar, The Westin, Providence, R.I. 15-17 ............................................HBA of Greater Columbia Home Improvement Show, S.C. State Fairgrounds, Columbia, S.C. 28......................................................................................................................................HBA of Oconee General Membership Meeting

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SCBJ 08v1n3.indd 30 5/30/08 1:07:05 PM

South Carolina Builder Journal • 2008 • www.hbaofsc.com

SCBJ 08v1n3.indd 31 5/30/08 1:07:11 PM

Consumers want green. It’s hard to imagine

a building material greener than brick.

Conservatively, it provides a 100-year lifespan

with virtually no maintenance. That’s durability.

Which is green. It’s made from clay, one of the

most abundant raw materials on Earth. Green

again. And it’s 100% recyclable, whether intact

or crushed. Very green.

Don’t forget energy efficiency and indoor

air quality. It helps take the burden off furnaces

and A/C units by absorbing and releasing

thermal energy. And brick is resistant to mold,

mildew and fungus, so interior walls made of

brick let people breathe easier.

Brick. The material that’s good for the Earth

because it is the Earth. Consumers are going

green. And so should you. To get

more information and the free DVD,

Brick Masonry Techniques for Builders, call

1-888-62-BRICK, or visit gobricksoutheast.com.

Clay Brick – The Most Sustainable Green Building Material Made.

BSE-0042-11 Green Builder-BJsc.indd 1 2/29/08 10:38:35 AM

SCBJ 08v1n3.indd 32 5/30/08 1:07:12 PM

builder profile · steven mungo, irmo secretary phillip lawson, moore immediate past president...

Documents