A HOMEOWNER’S GUIDE TO

SUCCESSFUL REMODELING

IMPORTANT INFORMATION YOU SHOULD KNOW

Compliments of:

sabatello construction of florida, inc. sabatello homes and remodeling 9002 Burma Road Suite 100 Palm Beach Gardens, FL 33403 561-626-7600 www.sabatellocompanies.com www.sabatelloenvironmental.com copyright©2015 Sabatello Construction of Florida, Inc.

Dear Homeowner: This Guide is intended to assist you in sorting through all the material you will need to understand when you are considering remodeling or renovating your Home, and in evaluating the contractor to whom you will ultimately entrust your Family and your Home, for that period of time required to complete your project. As your Home is most likely one of your most valuable assets, and is your Family’s safe haven, it deserves thorough analysis and attention on your part. This Guide is prepared to enlighten you on the questions you should ask, and answers you should seek; provide you with the vital knowledge to make an informed decision; and, help you review the professionals who are capable of delivering quality work at fair and reasonable pricing, while protecting you and your Family from unnecessary risk. This Guide is intended to help you obtain objective information, alert you as to what you can and should expect, and direct you toward the Contractor with the professional credentials, knowledge, experience, and ethics, most parallel to your “wish list” that will enable you to complete your job on time, in budget, with minimal (or no) anxiety. It is our sincere wish that the experience with your selected Contractor will become one of your most favorable and enjoyable experiences ever; well beyond your expectations. You deserve nothing less. We wish you success and joy during this fun experience. Paul Sabatello Vice President Sabatello Homes and Remodeling

INDEX

MAKING SENSE OF REMODELING

1

WHO CAN DO THE WORK

2-3

SELECTING YOUR CONTRACTOR

4-5

MAKING YOUR FINISH SELECTIONS PROTECTING YOURSELF PLANNING AND DREAMING

6 7-8 9-10

EARLY PLANNING AND DECISIONS

11

IS DESIGN+BUILD SERVICE A GOOD THING?

12

SOME HOT BUTTONS

13-14

QUESTIONS TO ASK YOUR CONTRACTOR

15

GREEN MEANS GR$$N

16

THANK YOU

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MAKING SENSE OF REMODELING Your home. It has provided your family wonderful years of happy living, and the memories of raising a family, special occasions and celebrations. It’s your home. You have established strong friendships, great neighbors, and you really like your home and the community in which you live. The personal satisfaction, enjoyment, and memories you and your family have experienced may be reason enough for not wanting to move, but to update your home. Every home, sooner or later, needs to be updated, if only to remove the years of wear patterns. Or, perhaps your home has sustained some storm damage, or has just become “tired.” Before undertaking a remodeling project, there are some considerations to evaluate. First and foremost: this is your home- live to enjoy it. Not every dollar spent on your home will produce a return of your investment. That said, most property owners will be cautious to not over improve the value of their property in relation to other properties in the neighborhood. Being familiar with values of other homes in your neighborhood, whether or not other owners are updating and upgrading their homes, how your home compares to other homes in the neighborhood, and if homes in your neighborhood re-sell quickly when put on the market, will offer some indication as to the extent to which you want your project to develop. The length of time you plan on remaining in your home could also be a directional guideline for the scope of work you would like to perform. Older home designs often do not meet the current day needs and lifestyles of a growing or maturing family. Many homeowners look to achieve the more current styling and designs by updating their home’s exterior, especially the “curb appeal.” Stylizing or modernizing a kitchen or bathroom are recognized as two of the most important rooms for marketability. It is no secret that maintaining your home, physically and aesthetically, will reward you with greater added value and higher market value. Time has repeatedly proven our area to be very desirable and that our strong real estate market will return. It also has been shown that a home renovation or remodeling project renews the emotions once generated by your new home; the pride, self-satisfaction, and personal gratification of accomplishment. It becomes that feeling of “our new home” all over again. Not all family members do well in relocation. New neighbors, having to make new friends, and attending new schools will affect families and family members differently, and could become emotional hurdles. Remodeling your existing home involves minimal lifestyle change and disruption. Keeping your neighborhood, friends, location, and overall familiarity make many families just not want to move.

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WHO CAN DO THE WORK The quality, level, and complexity of the work you are seeking to complete should guide you in the direction of the type of contractor you need. Merely changing floor tile or counter tops might be undertaken directly through your product supplier, or as a referral to a tradesman from a product supplier. Designing a new look that will involve relocating plumbing or electrical, new fixtures, cabinetry, architectural drawings and engineering would require the use and coordination of multiple trades and professionals, and might best be served by someone knowledgeable and experienced in all phases. In your preliminary interview meetings with contractor candidates, it will definitely become clear to you as to whom you feel most comfortable with, who seems to be sharing and exchanging information; who is listening to you and responding to you; who is paying attention to your likes and dislikes and trying to learn more about what you want and expect. Listening to your wishes is a very important attribute of your remodeling contractor. Communication between you and your contractor is very important, and must be twoway. Once you have narrowed down your choices, you will want to verify that your contractor has a current and active contractor’s license; ask for a copy or verify currency on www.sunbiz.org. Request documentation that the contractor is fully insured, is in current good standing, and has General Liability, Workman’s Compensation, and Umbrella insurance policies. Many contractors or trades elect to not carry Workman’s Compensation Insurance due to the expense. Please understand, should they or someone they hire to work on your property claim injury, you can be held liable for all resulting medical bills, and more. You might also want to inquire about any filed bankruptcies, liens, judgments, business failings, and how long their current business name has been active in business, and if they are involved in any litigation currently or within the past three years. The importance of the length of time for the current business name is that, sadly, in our industry, there are individuals who open and close businesses with different names while offering similar “services,” and leaving many customers with unfinished jobs and making off with their money. Requesting locations of current projects under construction and driving past the site for a visual inspection of the condition, organization and cleanliness of the sites will speak volumes as to their management. Another search avenue would be to contact local building departments.

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Asking a contractor for references is valuable in that the reference may share with you their experiences. But, ask the same questions of the contractor and the reference, and compare answers. Inquire as to the extent of the project and what work was to have been performed; how long was the protect expected to take, and how long did it take; were there any surprises; disappointments; what would they not do again; were the workmen timely to begin work every day and to complete work every day; cleanliness of the job site; respect for your personal family time and parts of your home not being worked in; cooperation and cleanliness of your neighborhood and neighbors properties. If you live in a community with an Association, perhaps ask of the property manager if they had any conflicts. A contractor with “skeletons in their closet” is not going to offer the “skeleton” as a reference.

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SELECTING YOUR CONTRACTOR By now, you have spoken to family, friends, and acquaintances, and received as many suggestions, recommendations, and opinions as the number of people in that pool. Ultimately, you will have to make your decision. There is no formula to apply. Listening to others’ experiences and problems will give you insight on what else you may need to consider. Assuming you have “disqualified” candidates and are now at your very short list of contractors to consider, and you satisfied the criteria of qualifications, insurance, licensing, quality, and reputation, the final hurdle is your comfort level. Have they demonstrated experience to make you comfortable that they can and will deliver what you want? “Just OK” could cost as much as, or more than, “great job” when the project is complete. How do you feel about the company; their ability and sincerity to satisfy you; their performance potential; their respect for your home and family? Have they asked questions that helped you think through something not previously thought of? Have they offered suggestions in design or planning that gave you the feeling they were completely professional and would have your best interest at heart? You should discuss your budget with the final list of contractors. Advising them of your (realistic) budget allows them to think through suggestions of alternatives or phases that could allow you to accomplish your end result, but perhaps not all at one time. A common practice (and mistake) is to request from three contractors a bid proposal, then discard the highest and the lowest, selecting the middle bidder, believing elimination of both extremes is the best insurance. While price and quality are both very important, the best approach is to seek quality first, then price. Addressing both at the same time can distort the criteria. If you have not satisfied the list of guidelines recommended in “Who Can Do The Work,” and you do not have a compelling, objective list of solid reasons to use a particular contractor, you would be best served to either formulate that list and criteria, or seek another firm. Price never makes quality any better. The proposals submitted from your final list of contractors to be considered should include a specific listing of what is included and what is not included in the pricing being quoted. It is not uncommon for one bid to include items that another bid does not. An experienced professional may include in their pricing items that experience has proven they will need- such as restoration of landscaping and irrigation- that an inexperienced contractor does not include. -4-

Better to hear and know that news up front, rather than as a surprise Change Order later. Or, a bidder will use “Allowance” amounts in place of line items with amounts that could not be sufficient to satisfy your quality level criteria. The proposal should also define the payment schedule. It is a typical and accepted practice for the contractor to receive a small (10-20%) deposit against the total contract price, with the balance being paid over the duration of the project in stages (draw payments), after the phased work is completed. It is not fair or reasonable to expect the contractor to agree to a “holdback”- monies withheld from each draw payment to “ensure all work is performed”. If you truly feel you need that type of motivation for your contractor to perform, you really need to look for another contractor. Any responsible and reliable business person protects his or her good name from insult, embarrassment, or bad publicity. But, you must do your homework to make sure of whom you have. Lastly, inquire of your contractor what the warranty on workmanship, materials, and installation is. How do they handle service calls? Are you, the homeowner, required to contact the specific sub-contractor or supplier; do they have their own service department? It should be the contractor’s responsibility and obligation to complete all service for the duration of the warranty period. Does the contractor conduct a walk thru inspection with you after all work has been completed and prior to the final draw payment being made? Is the inspection a written document (not a verbal agreement) that lists the outstanding work, or work not satisfactorily completed, and the disposition of each item?

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MAKING YOUR FINISH AND DECORATING SELECTIONS Families today are busy. Time is always at a premium whether both masters of the home work or one is the stay at home parent, there is a litany of things to do every day. Organization of your time will be precious and mismanagement of it will quickly increase stress levels and dilute the fun experience. Whether or not your contractor has its own in-house selection or design studio or not, the professional remodeler will be organized to protect your time and theirs. Preparation of a Design or Selection book that will contain every selection you will need to make, in an organized manner. This will save you from a frantic call today telling you that a particular selection is needed tomorrow or they will be unable to proceed. It will also allow you to organize your thoughts and plans, respecting your time to permit choices to be made at your pace. If your chosen contractor does not have their own, or access to, a private selection center, you will be charged with traveling to various suppliers, dealing with multiple personalities at each location, possible disruption and interruption by other consumers, and making choices which might require taking a sample to another location to match an item, then returning the sample, etc. This process is more easily managed by you if you are made aware of the selections you will need well in advance, and not having to face frantic calls. Whichever direction your selections take, the important point is that your contractor should provide you with a thorough and organized booklet identifying every selection you will need to make. Omission of just one choice could be very disruptive to your personal schedule and the project completion schedule. And, when visiting suppliers and providers, be certain to get confirmation that the item selected is available, in stock, and not a special order item that needs to be shipped from overseas. You will just not believe how many containers “are already shipped and on the water” that just never seem to arrive in the United States in time for your scheduled project. These are just some thoughts to keep the heartbreak and disappointment out of the fun.

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PROTECTING YOURSELF The following are points that you, the Owner, should insist on. Your failure to be satisfied with any one of these points is reason enough for you to be concerned. All should be discussed up front with your contractor, before any work commences. 1. Do your homework. Check on current reported work or job sites; require proper documentation, copies of current licensing and proof of insurance; check on the history of the company, if questionable. 2. Deal with reputable, legitimate companies or individuals. 3. If it is suggested or offered that the work can be done without obtaining a building permit (and thus saving that money), walk away…QUICKLY. If a permit is required, insist on it and make sure it is posted on the site as local code requires. 4. You should expect to receive a “Notice to Owner” from those subcontractors or material suppliers your contractor has hired to provide labor, material, or both for your home. A “Notice to Owner” is serving notice to you, the Owner, that they have been contracted to perform work or supply materials for your property. Under Florida law, you are ultimately responsible for this debt. Hence, you will need to obtain from the contractor a “Partial or Final Release of Lien” from all subcontractors and material suppliers who have served you with a “Notice to Owner.” It is a sound business practice for the contractor to obtain from the subcontractor, material supplier, etc. a Partial Release and a Final Release, automatically Prior to making the final payment to your contractor, you should request (and they should automatically provide) a “Final Release of Lien” from all subcontractors and a “Contractor’s Final Affidavit” from your contractor. These documents verify that you have made all your payments and that your contractor has made all their payment obligations to the subcontractors and material suppliers. Without these, you could remain liable in any pursuit for collection of non-payment, even though you may have paid your contractor. It is also a good practice to request a “Partial Release of Lien” from all sub-contractors who have worked on your home during each draw payment period, and from the contractor, if using one. 5. Do not make any advance payments other than the initial deposit (the exception here is if you select a special order product that requires payment, deposit, etc., from a supplier, then you should pay that bill directly to the supplier and receive appropriate credit). 6. You have the right to ask that the deposit be held in escrow; however, most contractors will not agree to this as it could present a particular hardship on the contractor, especially if using a small contractor. However, a mutually acceptable compromise might be that the deposit is UNCONDITIONALLY released to the contractor at the first Draw request. Requiring the contractor to hold the deposit -7-

7.

8. 9. 10. 11.

12. 13.

in escrow permits the contractor to borrow that sum of money and charge you the interest. This is a very fair practice and consideration. A contractor would have severe hardship if he were to have several jobs in process at the same time while receiving no monies with which to fund his advance costs of architectural, planning, engineering, surveying, administrative and payroll related to your job, etc. Do not accept verbal agreements. This is as much for the contractor’s protection as for yourself. Everything should be spelled out in writing because when you need this information is when memories lapse. This pertains to your Walk Thru Inspection, as well. Make sure any “allowances” provided will be sufficient for you to satisfy the quality level you and your contractor have agreed upon. Be wary of lackadaisical scheduling and workers failing to show as promised. Occasionally it can happen; repeatedly, it should not. Have a written contract and have a real estate attorney review it on your behalf, before you sign it. Verify with your homeowners’ insurance carrier that you have insurance to cover the work being done. Remember, when you make a draw payment, you now own that portion of the work, and the contractor is no longer responsible for it. You need to be protected from catastrophe, theft, fire, and flood. Work performed on an existing building structure is not normally covered under the contractor’s “Builder’s Risk” insurance. Be respectful and honorable as to what you and the contractor have agreed you will receive and they will provide, just as you would expect them to be. If you and your contractor have a disagreement, settle it quickly. Do not let it linger.

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PLANNING AND DREAMING It all begins with you. Your ideas and thoughts of what you would like to do. How you envision your home. From books and magazines; from other homes you have seen; from idea showrooms. From your own creations and dreams. Compile your list of what you want to accomplish from a remodeling project. Then establish a priority of preference of order in which to fulfill your list. Here are but a few examples of what families may consider as their families change: children grow and teens require different privacy than younger children; as the children grow, parents need different privacy than with younger children; children going off to college or getting married; you are called upon to assist elderly or sickly parents; children and grandchildren returning to the nest due to their family situation changes, all play rolls in the needs of your home today. These needs could necessitate a new bathroom, a reconfiguration of living space, adding new space, creating storage space or a larger garage, or creating more private personal space for the young adults; or perhaps a den or home office, a master sitting room, a spa retreat- personal, private space for you as the children reach those teen years. Family safety concerns come into play for some, wanting to update their home using today’s more technologically advanced products such as impact resistant windows or an emergency stand-by generator. The possibilities are endless. When sitting with your selected contractor this information will allow proper guidance and suggestion to be made as to how to accomplish the most important part of your list should the entire list not be feasible at that time. It could also help your contractor direct the project, particularly if the work involved will require part of your home to be vacated while work is being performed. While remodeling work does cause some family inconvenience and dust infiltration, it is important that your contractor continually review and evaluate the plan to ensure minimal disruption of your family routine. Proper precautionary protocols to isolate the work areas from non-work areas so construction dust and noise does not infiltrate these areas and family privacy can remain at the highest level possible for the scope of the project, should be automatically performed by your contractor before any work commences, and continually throughout the project. Floors should be covered and protected from construction workmen traffic. Your driveway should be protected from potential dumpster damage if this is where it will be located.

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The Planning process continues after you have selected your contractor. It is important to note and discuss with your contractor, any special needs or time required for family function. This time would be first thing in a particular day, or at days end. It cannot interrupt the work mid-day without causing you added cost and scheduling delays. By clearly outlining any specific scheduling conflicts the contractor needs to be aware of, the Plan can transfer to scheduling. A well organized contractor will clearly layout with you dates and planning for scheduling. You should know the estimated schedule for architectural plans to be completed, timing to review with you, due dates for your selections, permitting, work commencement, and the target completion date. A payment schedule should also be established. Your contractor should work with you to establish the Plan. Planning reduces stress. Failing to plan is really a formula for planning to fail. The goal in planning is to have your family schedule remain as close to your normal daily routine as possible. Remodeling, by the function, brings anxiety; seemingly chaos with lots of people on site, and strangers in your home, change and disruption, and frustration that the project does not appear to be progressing as quickly as you think it should. Sometimes there will be anxiety when items beyond anyone’s control might be discovered. These emotions happen to everyone.

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EARLY PLANNING AND DECISIONS SAVE TIME, ANXIETY, AND MONEY By working closely with your designer, architect, contractor, or whatever team members you select to perform your work, early planning and timely decisions will save you money, anxiety, and time in which the project is completed. With the guidance of your contractor or the person overseeing your project, be thorough and precise in your planning. The leader should guide and direct you and offer suggestions to alternative ways, if there are ways to improve upon. Know precisely what work is being done, what decisions you need to make up front. Do not delay decisions. Allow the contractor sufficient time to order everything that needs ordering so it will be received on time and not cause unnecessary delay. This allows the schedule to flow smoothly, no stopping and starting, less inconvenience to your family. There will always be issues that evolve in renovations and remodeling that could not be anticipated in advance. Having all other decisions out of the way will put less pressure on those unforeseen issues.

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IS DESIGN + BUILD SERVICE A GOOD THING? By placing your complete trust and confidence to manage your entire project into a single point of responsibility, you need only look to one party for performance. As a licensed contractor, their experience, background, and abilities span every phase of the project. From planning, to satisfying your goals and objectives, to scheduling to maintain as close as possible your family routines, to design ideas, reviewing and directing architectural, right through to the clean-up of your new areas, the contractor is the sole party responsible for your complete satisfaction, and to complete the job on time, as scheduled, meeting all building code requirements, and within budget. This is a huge job and should not be thought of as minimal in your project. Your contractor is to manage your entire job, minimize stress, and eliminate as much un-pleasantry as possible through day-to-day management and supervision. Clear, open, continual communication is very important to the timely success of your project.

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SOME HOT BUTTONS Consumer tastes and preferences vary over time, made more attractive by the newer styles and designs of today’s look. Additionally, with family changes, there are some considerations that take preference. It is widely agreed upon that the two most important rooms that buyers consider when looking to purchase are the kitchen and the Masters’ Retreat (bedroom and bathroom). Likewise, the two most widely sought after remodeling changes are also the kitchen and Masters’ Retreat. The popularity of these rooms is driven by each other. As the children grow, “stay at home” mom or dad functions give way to a second household income. This puts more demand on the kitchen as it then functions more as a family gathering place and command center. It becomes more heavily used for supervision of homework, family meal preparation and planning, and as a general gathering place. With less “stay at home” parenting and older children, the Masters’ Retreat becomes more important as precious privacy becomes more coveted. The added daily stress of now working and still performing the other parenting responsibilities makes the retreat that much more special for the individual personal time needed, and the one area parents have for their private alone time. Kitchen transformations can be as minimal as updating countertops, to a complete makeover of new or re-finished cabinetry, flooring, sinks and faucets, appliances, lighting, and ceiling detail, or anywhere in between. Imaginative and creative ideas can come from many sources- design centers, idea magazines, specialty publications, builders’ model homes, or supplier showrooms. The ordinary master bedroom and bathroom are becoming glamorous retreats with complete privacy and relaxation components. Adding on a sitting room or home office extends the personal space for the masters of the home. Bathrooms become decorative, glamorous havens with jetted tubs, oversized showers, separate vanities, and closets with organizers and storage for his and her wardrobes. There could be need for privacy for the children, as well, as they grow. Boy-girl shared bathrooms may need separate, private bathrooms; something most of today’s newer homes feature.

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Maturing families might look to increase living space by adding a family room, den, office, game room or multi-function room, or added garage or storage space. Many more families today are being asked to care for older or sickly parents or relatives. This could require modifying bathrooms to become more easily accessible, reconfiguration of space to avoid stairs, or creating an in home apartment to allow for the seniors’ privacy. Also, the concept of “aging in place” is taking hold. Empty nesters who want to remain in their home as they themselves age, and may require some modification or consideration as to how to make that more comfortable. Equally important on the list of what buyers consider important is “curb appeal.” The visual appeal leaves a very long lasting impression. Obvious care and maintenance of the building and grounds brings the visitor to a gratification level of a higher comfort zone. During the remodeling process, many owners today are opting to update the exterior look of their homes with newer siding materials, bolder, more contemporary paint colors, vignette accents, driveway and walkway surfaces, and interior woodwork and detailing, characteristic of today’s newer home designs. They are incorporating newer materials and technology, including the latest in hurricane protection, particularly impact resistant widows, glass, and doors, emergency standby generators, replacing out dated garage doors with hurricane rated doors, and changing roofing materials and design. Many of the current technology inclusions carry the added benefit of homeowner insurance credits to premiums, and peace of mind for family and property security, less labor intensive requirements for approaching storm protection, especially as owners age and are less able to perform these functions on their own and must seek outside assistance.

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QUESTIONS YOU SHOULD ASK YOUR CONTRACTOR A. B. C. D. E. F. G. H.

I.

J.

What time does the workday start and end? This is important for you to know the daily interruption schedule of your family’s routine. How does the workforce enter and secure your home each day? Are floors and walls of the non-work areas protected? By what means? Is a dust containment set up to isolate the work area and protect the rest of the home? Is your air conditioning system protected from contaminants? Are the filters changed before and after work commences? If changing of windows or roofing will expose the interior to the elements, how will these areas be protected and secured? Is debris cleaned up daily in the work area and in your yard? When do you get to meet the individual who will manage your job? Notice what his or her appearance is as this could be an excellent indication as to how your home will look. Thoroughly think out the changes in design you want to make. Involve the entire design team. Window size, door locations; the amount and location of cabinetry are but a few examples. Making changes before the work begins may be less costly, and it will definitely eliminate completion time delays. Personal selections- does your contractor have their own selection center in which many samples can be viewed and chosen; do they send you to preselected multiple locations to preview and select; or do they leave you on your own to find supplier sources and select products? Whichever, you should be given a checklist or selection book to “fill in the blanks”- a guide as to all the answers you will need to provide. Making the contractor continually seek out your selections will erode the timely project completion. Likewise, without a good checklist, you will receive numerous “We need your” calls about items you didn’t realize you needed to provide.

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GREEN MEANS GR$$N Who wins with Green Design? We all do. Our kids do. Their kids do. The Planet does. Sounds dramatic? It’s not. People in many parts of the world (save possibly a “chosen” few) who have been accustomed to abundance and sometimes excess, have taken for granted the everyday things- water, gas, electric, trees, to name a few. And, had it not been for our last awakening when the world was held hostage by oil prices and availability, it may still not have come to the forefront. There has been huge progress with water saving plumbing devises, and the plumbing manufacturers continue to develop new and better product to use less water. Advance research and technology have made today’s HVAC systems much more efficient in the amount of energy they consume, with even better system performance. Development in insulation, siding, roofing material, hot water heaters, solar utilization, lumber alternatives, rapidly renewable resources, air quality with paints, adhesives, composites; even the sorting and re-cycling of construction debris, are but a few examples of Green Building. We are members of the US Green Building Council and The Indoor Air Quality Association. Membership is certainly not a prerequisite for a good, reliable, trustworthy, qualified contractor. But, we encourage you to discuss with your contractor the ways he or she, and you, will help the planet. It is our responsibility. The benefits of Green are simple. We (the people) better manage the use, consumption, and waste of our precious natural resources. By using less, we actually save money: less use; less consumption; less cost to us. If our governments (State and Federal) are creating programs to reward us to use less, that could indicate the importance of the challenge. Many of the newer products also deliver safer living conditions for us and our families. For example, low VOC (volatile organic compound) paints and adhesives do not emit the harmful off gassing of toxins into your indoor environment that can cause allergic reactions, an increase in asthma, and other respiratory issues. A recent study indicted a baby crawling on a conventional carpet inhales the equivalent of four cigarettes a day. Impact resistant (insulated, “low E”) glass windows and door products of today keep our families safe from storms, but also keep intruders out and restricts entry of damaging solar ultraviolet (UV) light. Just as the challenges we face today were not even thought of when we were younger, so will future generations experience new challenges. We can give them a head start on this one. -16-

THANK YOU… Remodeling your home, renovating a home, adding on to an existing home or building a new custom home- these should all be totally happy, pleasant, fun experiences. We truly hope your experience is as it should be. If you do consider us for your Builder, good for both of us, and know that we pledge to do everything possible to exceed your every expectation. If you decide that we are not a fit for each other, we wish you good fortune and hope that this Guide will help you navigate through the process. “Quality is never an accident. It is always the result of high intention, sincere effort, intelligent direction, and skillful execution. It represents the wise choice of many alternatives.” William A. Foster

All information contained herein is opinion based. For factual support, please refer to the formal documentation. You should seek the advise of a Tax Professional and Attorney as conditions may or may not apply to you. This is intended to be a guide.

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