CBF2010 - Winter

ColoradoBuilder www.hbacolorado.com

Journal of the Colorado Association of Home Builders

FORUM

Four Mile Canyon wild fireBoulder County adapts its code to help owners rebuild homes

Power shift!builders may hold ground with more

business-friendly legislators next year

Winter 2010

GE Café™

Everyone loves a café. Now, everyone can have one.GE Café™ is GE’s first new line of appliances in 15 years, and it’s an exciting new sales opportunity. With stainless steel exterior and robust styling, builders and new home buyers will want to make it the centerpiece of their new home. For remodelers and their customers, the GE Café will easily transform any kitchen with restaurant-inspired design. At long last, everyone can afford to have an inviting café – right at home. www.geappliances.com/café

For additional information contact GE Appliances, 6140 Stoneridge Mall Road, Suite 515, Pleasanton, CA 94588, Phone: 925.730.6423.

With HEAR NO EVIL Sound & Vision, you’re always the King of the Jungle. As former builders, we understand deadlines, budgets and the deep-

forest drumbeat of client communications required

for both home renovations and new construction.

And unlike Tarzan’s kill-or-be-killed orientation,

we’re bound to a five-star principle for technology

selection that meets three intrinsic measures: top

performance, solid build quality and best value.

Monkey See. Monkey HeAR.Monkey Do. Streamline your next home

entertainment technology pre-wire & inStallation( (

Brands we love:McIntosh | Pioneer Elite | Marantz Reference | Paradigm | Wadia/Qsonix | KEFReference | Sonos | Anthem | Parasound/Halo | Monitor Audio | Crestron and more.

www.HearNoEvil.biz 303.284.464710855 Dover St. Suite 1200 Westminster, CO 80021

We’llrunthewholeecosystemforyou:● In-Showroom/In-Home Consultation ● Technology Selection● Engineer/Design ● Pre-Wiring● Installation ● Tune/Program/Educate

Contact us today for a competitive project bid and to learn more about how we can help solve some of your (monkey) business, 303.284.4647.

D E S I G N C E N T E R

1 2 3 S A N TA F E D R I V E

D E N V E R , C O 8 0 2 2 3

3 0 3 - 2 1 8 - 6 3 5 0

1 - 8 0 0 - 4 5 1 - 0 9 1 5

WWW . R I OGRANDECO . COM

T h e n e w a n d a w a r d - w i n n i n g L U X 6 0 d i r e c t - v e n t f i r e p l a c e

d e l i v e r s . . . p r o v i d i n g m o d e r n d e s i g n , s p e c t a c u l a r f l a m e s ,

s t a i n l e s s s t e e l f i r e t u b e s , b l a c k g l a s s m e d i a , a n d i m p r e s s i v e

m o d u l a t i n g - L E D a c c e n t b a c k l i g h t i n g .

T h e D e s i g n C e n t e r a t R i o G r a n d e C o . i s t h e p l a c e t o d i s c o v e r

t r e n d s e t t i n g p r o d u c t s w i t h o v e r 7 , 0 0 0 s q u a r e f e e t o f d i s p l a y s .

• T h i r t y - f i v e b u r n i n g f i r e p l a c e d i s p l a y s

• 1 2 0 s t o n e s a m p l e b o a r d s

• H u n d r e d s o f d o o r , b a t h & c a b i n e t

h a r d w a r e d i s p l a y s

• C u s t o m o r n a m e n t a l i r o n s a m p l e s

• G l a s s b l o c k

C a l l D e b b i e t o d a y t o s e t u p a p e r s o n a l t o u r .

3 0 3 - 2 1 8 - 6 3 5 0

LUX 60MAKE A STATEMENT.

D E S I G N C E N T E R

1 2 3 S A N TA F E D R I V E

D E N V E R , C O 8 0 2 2 3

3 0 3 - 2 1 8 - 6 3 5 0

1 - 8 0 0 - 4 5 1 - 0 9 1 5

WWW . R I OGRANDECO . COM

T h e n e w a n d a w a r d - w i n n i n g L U X 6 0 d i r e c t - v e n t f i r e p l a c e

d e l i v e r s . . . p r o v i d i n g m o d e r n d e s i g n , s p e c t a c u l a r f l a m e s ,

s t a i n l e s s s t e e l f i r e t u b e s , b l a c k g l a s s m e d i a , a n d i m p r e s s i v e

m o d u l a t i n g - L E D a c c e n t b a c k l i g h t i n g .

T h e D e s i g n C e n t e r a t R i o G r a n d e C o . i s t h e p l a c e t o d i s c o v e r

t r e n d s e t t i n g p r o d u c t s w i t h o v e r 7 , 0 0 0 s q u a r e f e e t o f d i s p l a y s .

• T h i r t y - f i v e b u r n i n g f i r e p l a c e d i s p l a y s

• 1 2 0 s t o n e s a m p l e b o a r d s

• H u n d r e d s o f d o o r , b a t h & c a b i n e t

h a r d w a r e d i s p l a y s

• C u s t o m o r n a m e n t a l i r o n s a m p l e s

• G l a s s b l o c k

C a l l D e b b i e t o d a y t o s e t u p a p e r s o n a l t o u r .

3 0 3 - 2 1 8 - 6 3 5 0

LUX 60MAKE A STATEMENT.

38 | Builders gain from new products at RMBCProducts help you build smarter, faster, greener — and save a few bucks while you’re at it

46 | New member benefit saves you, helps CAHBProHome Colorado helps builders and their home buyers through its home warranty program

44 | RMBC RecapNetworking, education, new products were key to a profitable event

45 | Thanks to RMBC sponsors, exhibitors, membersYour participation made this year’s RMBC possible

Four Mile Canyon fire the costliest in state’s historyHow Boulder County’s code adjustments can affect other fire-prone areas’ wild fire codes

20

ColoradoBuilderFORUMfeatures

Republicans take State HouseGOP House majority means more opportunities for business

15

COVER PHOTO: The Ellsworth residence, designed by Rodwin Architecture and built by Pendleton Homes, is a 2,000 sq ft home in Allenspark that uses both passive and active solar and is sited to capture the sweeping views of the mountains beyond. Photo courtesy of Paul Mouraille.

CoNTeNTS » winter 2010 vol. 14 no. 5

2901-A Walnut St. • Denver, CO 80205 • 303.940.3932 • FAX 303.940.3794

Great Floors & Finishes.Smart builders looking for increased profit and less headaches look to SaddlebackDesign. Saddleback helps homebuilders simplify the interior finish process for theirbuyers by offering a huge selection of materials, professional in-house interiordesigners, and the highest quality installations. The result? The ultimate customerservice experience for your buyers, and higher margins equaling greater profitabilityfor you the builder. Give us a call today and see how we can help you.

D E S I G N

S A D D L E B A C K

8 Winter 2010 www.hbacolorado.com

Giving BackPlaying House: How Alpine Cabinets keeps kids’ “American Dream” alive30

President’s LetterIt’s been a great year. Thanks for your help!10

Building by the LawCourt finds newly enacted construction defects legislation a matter of law. Will others do the same?34

From the HallwayMeet the six new GOP House members12

CoNTeNTS »

departments

Colorado Builder Forum is printed on elemental chlorine-free paper in conjunction with the International Joint Commission and is consistent with the U.S. Environmental Protection Agency’s standards.

Please recycle this magazine.

The Finest Hardware in Denver3200 Walnut Street • Denver, Colorado 80205

303.292.3550 • www.denhw.com

Combining 220 years of employeeexperienCe in plumbing and hardware


PReSideNT’S LeTTeR

www.hbacolorado.comWinter 2010 vol. 14, no. 5

Official Publication of the Colorado Association of Home Builders

CAHB SeNioR oFFiCeRSPrESIdEnt Emil Wanatka

PrESIdEnt-ElECt Peter Tobin

trEASUrEr David Tschetter

SECrEtAry Jeff Piper

ImmEdIAtE PASt PrESIdEnt David Hansen

GovErnmEnt AffAIrS ChAIr Chris Elliott

ExECUtIvE offICErS CoUnCIl ChAIr Roger Reinhardt

StAtE rEPrESEntAtIvE to nAhB Skip Howes

CAHB STAFFExECUtIvE vICE PrESIdEnt Rob Nanfelt

vICE PrESIdEnt of PUBlIC AffAIrS Amie Mayhew

ExECUtIvE SECrEtAry Sally Kemp

ColoradoBuilderFORUM

6160 S. Syracuse Way, Ste 300 Greenwood village, Co 80111

t: 303.662.5200 f: 303.397.7619 www.custompublishingco.com

vICE PrESIdEnt – GroUP PUBlIShEr Maureen Regan-Cannon

303.662.5215 [email protected]

ProJECt mAnAGEr – ACCoUnt ExECUtIvE Martha Dickenson 303.662.5280 [email protected]

EdItor Kim Jackson

[email protected]

Art dIrECtor/AdvErtISInG ProdUCtIon Lindsay Hayes

ChIEf ExECUtIvE offICEr Dan Wiesner

ChIEf fInAnCIAl offICEr Jon Rich

vICE PrESIdEnt – It John Wiesner

vICE PrESIdEnt – ProdUCtIon/oPErAtIonS Amy Korb

vICE PrESIdEnt – GroUP PUBlIShEr Bart Taylor

E. Patrick Wiesner

CrEdIt mAnAGEr Patty Barbosa

ACCoUntInG SPECIAlISt Amber Stroud

dIGItAl ImAGInG/PrEPrESS mAnAGEr Steve Oliveri

offICE CoordInAtor Christy Markley

600 Grant Street, Ste 550 denver, Colorado 80203 P: 303.691.CAhB (2242) f: 303.639.4954 www.hbacolorado.com

dedicated to the advancement of the home building industry, Colorado Builder Forum is published five times a year for members of the Colorado Association of home Builders. Copyright © 2010 by CAhB. no material may be reproduced without the express permission of CAhB. Acceptances of advertisement in Colorado Builder Forum do not imply endorsement or approval of the product or service advertised.

tom Brinkman, Chair

Bill Armstrongrandy feuerstein

tom haydenduane marlatt

Peter tobinmerlin Widick

CAHB ediToRiAL BoARd

despite the economy, it’s been a great year. thanks for your support!By the time you read this letter, the mid-term elections are over and we’re spared from the plethora of political ads for another year and a half. While every candidate promised to create jobs and turn the economy around, I must admit I remain a bit skeptical about their ability to do so. While U-3 unemployment figures for Sep-tember remained at 9.6 percent, the U-6 unemployment figures rose .4 percent, month over month, indicating that the current unemployment trends will remain high, and the outlook for new home construction will remain relatively flat as high unemployment continues.

In response to this “new norm,” smart builders are finding ways to adapt by becoming better educated about building homes, and running their businesses. They’re improving their floor plans, respond-ing to the demand for smaller, greener homes, providing better costumer service, reducing cycle times, and generally working both harder and smarter. This response to a challenging economy is indicative of the work ethic, creativity, and resourcefulness of the home building industry, and why I’m confident that we as an industry will succeed going forward.

RMBC a great success!The success of this fall’s Rocky Mountain Builder Conference in Beaver Creek was a perfect

example of how builders are taking advantage of educational opportunities and working to improve their knowledge and more effectively run their businesses. More than 200 members from across the state participated in the event, attending some of the 11 outstanding educational seminars, visiting with nearly 30 exhibitors, and accessing some of the nine networking sessions. In addition to providing opportunities to our members, this year’s event reversed the trend of the past two years and actually turned a profit for CAHB! On behalf of the entire CAHB member-ship, I congratulate and thank our sponsors, exhibitors, presenters, the conference committee, and especially our own Amie Mayhew for making this year’s event such as success.

Board reallocates duesThe CAHB fall board meeting was also held at the Rocky Mountain Builder Conference and I

want to recognize the accomplishments achieved at that meeting. As I mentioned in my previous letter, this recession has created economic hardship not only for our industry, but for this organization, as well. In response to this challenge, the Board of Directors unanimously ratified a reallocation of dues, as was recommended by the Executive Committee. This reallocation of dues, coupled with the cost-saving measures the Executive Committee implemented in the past year, will ensure our ability to meet our 2011 fiscal budget, and allow us to set aside significant reserves for future needs.

Thanks for everythingI’m proud of the achievements of this organization this past year, and especially proud

to have served as CAHB president in 2010. Thanks to my fellow Executive Committee members for your support, and a special thanks to Rob Nanfelt and Amie Mayhew, with-out whose help I never would have lasted through the year. In closing, I’d like to remind you that while we all go about our daily lives attending to our businesses, communities and families, there are dedicated volunteers and staff at CAHB who, every day, fight for our industry and work to protect our interests as home builders.

Best to all,Emil WanatkaCAHB President

Emil WanatkaCAHB President

Keep your project on schedule. Call our Builders Call Line at 1-800-628-2121 to schedule your service connection, or fax your application to us at 1-800-628-2521.

© 2 0 1 0 X c e l e n e r g y I n c .

xcelenergy.com


FRoM THe HALLwAy

during the most recent election, the repuBlican wave swept through the entire nation. While the results were somewhat mixed here in Colorado, the Republicans did take control of the House. As we do during most election cycles, the CAHB actively worked to elect pro-business candidates. We do this in three ways:

1. We urge our members to get out and vote.2. We make contributions to candidates running for office. 3. We do electioneering communications, such as mail pieces and radio and television ads, advocating for certain candidates. This cycle, we were extremely successful in that 86 percent

of the candidates we supported won their election battles. Similarly, roughly 85 percent of the dollars we spent went directly to and on behalf of candidates who were successful. Without the contributions we receive from CAHB members, this would not have been possible.

Since we do have a number of new legislators we will work with in the upcoming session, I want to give you a brief introduction of the six new House members who are key to the new Republican majority in the House.

In HD-17 (Colorado Springs), Mark Barker unseated one-term incumbent Dennis Apuan. Barker served in the National Guard, the U.S. Navy and then as a member of the Colorado Springs police force for 15 years. During that time, he obtained his law degree and spent a briefly worked in the District Attorney’s office before moving on to private practice. Mark and his wife Teresa have two grown daughters.

Libby Szabo defeated incumbent Sara Gagliardi in HD-27 (Arvada). Szabo and her husband Denes are long-time residents of Jefferson County and have children. She has worked in the lending and financial services field for a number of years; in her spare time, she coaches children’s soccer and volunteers at her church.

In HD-29 (Arvada/Westminster), Robert Ramirez knocked off three-term incumbent Debbie Benefield. Ramirez, a native of New Jersey, served for a time in the U.S. Navy before moving to Colorado. He currently works in a management position for a locally owned small rental uniform business. He, his wife Suzanne, and their daughter are all competitive martial artists.

In HD-33 (Broomfield), Don Beezley defeated incumbent Dianne Primavera. Beezley and his wife Pat are both native Coloradans and they have two sons. Growing up he learned a lot about the construction industry, as his parents owned and operated their own construction company. He now works as a business consultant and serves on numerous charitable boards.

Kathleen Conti unseated incumbent Joe Rice in HD-38 (Littleton). Conti is a small business owner and she and her husband have two sons. She is active as a volunteer in her community and church.

Keith Swerdfeger is truly one of our own. He’s a member of the Pueblo HBA and has been active in the Pueblo community for more than 40 years. He won the open seat in HD-47, which was vacated by the term-limited and long-time legislator, Buffie McFadyen. Keith made a run at the seat several years ago, but came up a bit short during the Demo-cratic wave. This stick-to-it attitude has served him well over the years. He started his own construction company more than 40 years ago and has built it into a multimillion dollar business. He and his wife, high school sweetheart Sharon, have four grown children.

2810 Capital Dr Colorado Springs

(719) 638-6400

12028 Hwy 145 Cortez

(970) 565-9449

301 Hwy 92 Delta

(970) 874-8644

27151 County Rd M Dolores

(970) 565-9207

600 Sawmill Rd Durango

(970) 259-0340

2773 Riverside Pkwy Grand Junction (970) 243-4688

8347 Blakeland Dr

Littleton (303) 470-3771

8037 Midway Dr

Littleton (303) 791-3715

4058 Camelot Cir

Longmont (303) 702-5141

16 W Main St

Montrose (970) 249-9672

29160 W Hwy 160

South Fork (719) 873-5481

meet the six new gop members who are key to the new majority

Republicans take state House

Rob NanfeltCAHB Executive Vice President

We’re ThereReaching 42 states and 75 major US markets, ProBuild is there to provide you with solutions that perform.

Ask for trusses and we’ll design and manufacture what you need.

Ask for millwork and we’ll have the right window, door or interior wood solution.

Ask for material planning and we’ll manage your job site deliveries according to your schedule.

Ask for assistance and our experienced sales staff will be there to help.

Ask for ProBuild and we’re there.

PROUDLY SERVING COLORADO

11 Colorado Locations

Lumber. Building Materials. Components. Millwork.

www.probuild.com

©2010 ProBuild. All Rights Reserved.

Please visit our portfolio of work at kgarch.com

“The envelope please!... plays the

most important role in spring minimizing enery costs. It’s the

single most important variable in saving energy. Make it a

priority within your budget.”

envelope (en’ v∂ lōp’)

The exterior skin of a building that provides comfort and sanctuary

to the occupants by separating the interior environment from the

extremes of the exterior environment.

Structural Insulating Sheathing (S.I.S.) or an additional layer of exterior rigid insulation eliminate thermal bridging and the need for housewrap.

Radiant Barrier roof systems minimize summer cooling costs and winter heat loss.

Optimal Value Engineered (O.V.E.) framing minimizes lumber costs, reduces waste and maximizes thermal performance.

Windows with the lowest infi ltration and “U” values possible address the area of greatest energy loss.

Off-site Panelization achieves the highest quality envelope framing while reducing labor costs, material waste and shortening construction time and fi nancing costs.

EnergyStar thermal bypass inspection checklist ensures all elements of the thermal envelope have been inspected and meet this recognized industry standard www.energystar.gov

Heat Recovery Ventilators (HRV) provide energy effi cient ventilation, minimize penetrations and provide a healthy interior environment. Optimize your envelope’s insulation R-value.

With energy costs rising, the world has re-embraced the ideas of sustainable, energy conscious design and construction after a thirty year slumber. While demand for green-certifi ed homes continues to grow, more than half of potential American new home buyers are unwilling to part with a little more “green” for those sustainable green features. Saving energy is the most cost effective strategy to implement, and the building envelope is by far the most important component in that strategy. Use the following list to help you achieve an envelope worthy of an “Oscar”!

Lastly, get credit for your hard work! A blower door test will provide you with data about how components of the building

envelope are performing, allow weaknesses to be corrected and provide documentation of a superior building envelope.

possible address the area of greatest energy loss.

Off-site Panelizationquality envelope framing while reducing labor costs, material waste and shortening construction time and fi nancing costs.

EnergyStarensures all elements of the thermal envelope have been EnergyStarensures all elements of the thermal envelope have been EnergyStarinspected and meet this recognized industry standard www.energystar.govinspected and meet this recognized industry standard www.energystar.govinspected and meet this recognized industry standard

Heat Recovery Ventilators (HRV)energy effi cient ventilation, minimize penetrations and Heat Recovery Ventilators (HRV)energy effi cient ventilation, minimize penetrations and Heat Recovery Ventilators (HRV)provide a healthy interior environment. Optimize your envelope’s insulation R-value.

©2010 knudson gloss architects, all rights reserved.

COlORAdO BUildER FORUM Winter 2010 15

At last, the political attacks have given way to Thanksgiving and holiday ads. As the candidates for various offices finished celebrating — or licking their

wounds — and moved on, the dust cleared and progress was made for business and builders throughout the state.

Colorado’s Democrat-led House ceded its 37-27 majority to a now-33-32 Republican majority. The Senate kept its Democrat majority by only losing one seat to the GOP, for a 20-15 split.

GOP sets recOrd in winninG state seatsNationwide, Republicans picked up a record 680 state

legislative seats, according to the National Conference of State Legislatures. To put that in perspective, dur-ing the GOP wave of 1994, Republicans picked up 472 seats. Twenty years earlier, on the heels of the Watergate scandal, Democrats picked up 628 seats. The GOP now holds 53 percent of the total state legislative seats, the most since 1928.

More business-friendly legislature means bigger opportunities for builders

by Kim JacKson

RePuBlICANs TAke ReINs Of COlORADO’s HOuse


The GOP will now control at least 54 of the 99 state legislative chambers, its highest number since 1952. As a result, state legislatures will likely reflect a more conserva-tive political agenda when they convene next year.

“2010 will go down as a defining election that will shape the national political landscape for at least the next ten years,” said Tim Storey, elections specialist with the National Conference of State Legislatures. “The GOP, in dramatic fashion, finds itself now in the best position for both congressional and state legislative line drawing than it has enjoyed in the modern era of redistricting.”

With their gains in state legislatures, Storey said Repub-licans now have a decided advantage in shaping congres-sional and state legislative districts when legislatures start the redistricting process next year. He added that this is the best position for the GOP in redistricting since the landmark Supreme Court decision, Baker vs. Carr, in 1962, which established the “one-person, one-vote” rule that requires districts to be redrawn every 10 years.

The NCSL reported that the GOP gained majority in at least 14 state house chambers — and it controls both chambers of 26 state legislatures. What’s more, Republi-cans now hold both houses and governorship in 15 states.

siGn Of times tO cOme?Nationally, Republicans regained more than 60 seats —

and the reins of the U.S. House (239-187), while the Senate maintains a thin Democrat majority (51-46). Democrats consider this their biggest setback since 1948. The turning of the tide from blue to red is a real message to legislators on both sides of the aisle — and in state and national poli-tics — one where legislators will need to listen and respond to constituents’ concerns, more than favoring party lines.

“Most of the U.S. is a center-right country,” observed Rob Nanfelt, CAHB’s executive vice president. “A lot of

folks were pretty apathetic prior to the health care debate, prior to cap and trade, prior to some of the other initiatives that were run from Pennsylvania Avenue down to the Capitol. The result is what you saw

on November 2nd. The change that was voted in and em-braced two years ago is not the change that was expected, and as a result, you’ve seen the reaction.”

And with the Dems handing over the reins for the U.S. House to the GOP, CAHB Lobbyist Steve Durham said, “Hopefully, it means we’ll restore some fiscal sanity and get the country back on a firm financial footing.”

NAHB remains steadfast in its approach to Congress. “While the 2010 Congressional elections have indeed changed the balance of power in Washington, it is impor-tant to remember that NAHB’s overall legislative priori-ties will remain intact,” said Joe Stanton, senior staff vice

“ 2010 will go down as a defining election that will shape the national political landscape for at least the next ten years.” -tim storey, ncsL

It’s tIme...

Green

B A R V I S T A B U I L D I N G S Y S T E M S

Call 866-922-8648 or visit barvistahomes.com It’s time...

To reduce your “hassle” factor!

To reduce your dependency on subs!

To reduce your risk!

To be more competitive!

To build more efficiently!

To build Green!

It ’s time to change your view of off-site construction

It’s time to call Barvista to learn more about modular construction!866-922-8648

It’s time to rethink Barvista as your subcontractor, not your competitor.


president and chief NAHB lobbyist. “NAHB has always treated housing issues as bipartisan and will continue to work with members from both sides of the aisle to ad-dress the key issues impacting the home building industry. As the 112th Congress gets under way, NAHB’s Gov-

ernment Affairs Department will continue to work with Congress to address the housing production credit crisis, in addition to other legislative issues, ranging from tax policy to the future of the housing finance system itself.”

GOvernOr-eLect has ideas On state’s GrOwth

Meanwhile, back at the ranch, so to speak, Governor-elect John Hickenlooper wasted no time in appointing a variety of department heads. And while builders are hopeful that Hickenlooper’s business background will bode well for them and business in general, “time will tell,” Nanfelt said. “My hope is that because of his back-ground, he understands our issues and will be better than the prior administration.”

Chris Elliott, Government Committee chair, explained that in his early days as governor-elect, Hickenlooper seems to be regarded similarly to the way Bill Ritter was when he was elected. And like any politician, he has a base whose interests he will favor. “The Democratic base includes environmentalists, trial lawyers and unions and those guys’ interests for the most part are going to come first.”

He’s also concerned about the new governor’s views on managing growth in the state. In an interview with The Denver Post on October 29, candidate Hickenlooper said that Colorado could handle a limited amount of ad-ditional population. While not at that limit, Hickenlooper said that as a statewide community, limit needs to be discussed and defined.

That “top-down” approach to land use is worrisome to builders. “It would appear he wants to revive the de-bate of the early 2000s over things like growth boundar-ies and transportation corridors, and essentially pursue a state-controlled, antigrowth agenda,” Durham said.

Nanfelt observed that Colorado’s history has shown that local communities are the best to determine and decide the visions for their futures. “But this incoming governor seems to have a very different idea on that. I am concerned about how that’s going to look and manifest itself.”

business Gains with new hOuse LeadershiP

Builders are, however, celebrating the change from blue to red in the state House. “Pro business gained a lot” Durham said. “There are a much larger number of

pro business legislators in both the House and Senate. That gives the entire business community a breather from the assaults by organized labor, trial lawyers and environmental extremists.”

Nanfelt explained that Republi-cans have generally been very sup-portive of the business community,

and “we look to be very proactive legislatively in the upcom-ing session. If we can get pro business initiatives generated in the House, gain some momentum and cobble together a coalition in the Senate — that has the best interest of the economy and everyone’s individual pocketbooks in mind — then maybe we can get some things accomplished.”

He added that a Republican-led House helps business in terms of bad business bills, “because the last several years, we have not had a back stop to kill bad ideas. We did the best we could, and have been pretty effective at limiting the attacks on business, however, we’ve not been successful in every case.”

cahb’s ’11 LeGisLative aGenda may GainWhile the GOP holds the keys to the House, Dems still

have a hold on the Senate. Even so, Durham said, “Grid-lock would be an improvement over the anti business juggernaut that we faced in the last four years.”

It’s also a good time for CAHB to promote its legislative agenda. Elliott believes there will be many stalemates. For those “bad” issues that originate in the Senate, they’ll have a tougher time making their way out of the House. On the issues builders want to have passed, they’ll look for creative ways to make those issues appeal to the Senate. “Our legislative agenda has some interesting things in it we can draw from that are out-side some of the normal Republican-type issues. If we can then find a bipartisan majority that can support us in the Senate, we’ve got a shot on getting that stuff passed. The bigger wild card is what the governor chooses to do by fiat, if you will.”

With the change in House leadership, Durham has rea-son to believe that builders’ top issue, construction defects, will likely be taken off the table for the next two years. “We have to focus on a generally healthy tax and regula-tory environment,” he said, “and an environment that will hopefully attract jobs, because we’re not going to sell houses until the employment picture improves.”

Elliott added, “We’re going to have a better opportu-nity to get something we want to see get done, done and we’ll have to play defense a little less. So there’s going to be a change in approach, that’s for sure.”

“ NAHB has always treated housing issues as bipartisan and will continue to work with members from both sides of the aisle to address the key issues impacting the home building industry.” -Joe stanton, nahb lobbyist

Visit our showroom and check out our new styles and colors!

Manufacturing + Installation = More ValueCustomers Receive Free Design Assistance

Providing Installation Expertise for Over 30 YearsLeading the Industry with Experience and Accountability

Only One company manufactures and installs stone veneer nationally

How Boulder County is addressing the mitigation and rebuilding process may be helpful to Colorado communi-ties that face wildfire threats as the Pine Beetle continues to gorge its way through the state, as well as the thou-sands of lightning strikes we see each year or an unfortu-nate mishap, as in the case of the Four Mile Canyon fire.

Home owners anxiously waited at the bottom of the canyon for word on their homes as fire fighters came off

their shift. Estimates on homes destroyed continued to climb, while the fire and week progressed. As word spread across the country about the wildfire that was voraciously consuming the dried timber and homes in its path, another group of people began to gather — a group that Scott Rodwin, president of Boulder’s Skycastle Homes and prin-cipal for Rodwin Architecture, refers to as carpet baggers, or “fire reconstruction ambulance chasers.”

Boulder County adjusts code to speed rebuilding process in Four Mile Canyon — and for future homes hit by wild fires /// by Kim JacKson

With 169 structures destroyed and estimated insured losses at $217 million, the Four mile

canyon fire in boulder county is the costliest in colorado’s history. as county officials watched

the fire quickly burn out of control on Labor Day — and throughout the week — they knew

something would need to be done to help people rebuild their lives.

Boulder County adjusts code to speed rebuilding process in Four Mile Canyon — and for future homes hit by wild fires /// by Kim JacKson

“I don’t think the fires had even stopped before folks from out of town started coming in,” he said. “And they liter-ally parked their trucks at the bottom of the canyon and started handing out flyers to everyone. The local builders and architects thought that was brazenly obnoxious and really insensitive. We were caught in this uncertain position where we didn’t want to sit on the sidelines too long, but at the same time, we wanted to be sensitive to the people who lost homes.”

Be that as it may, people need to decide what they’ll do now that their homes have been destroyed. Three months after the blaze, some are still dazed. Others have sifted through their personal belongings and are deciding whether to rebuild or to buy a home elsewhere. Others still began the rebuilding process right away.

Colorado Builder Forum Winter 2010 21


How much will insurance pay out?Yet rebuilding is not as easy as it may seem. The big-

gest question in everyone’s mind is how much the insur-ance company will pay to rebuild their homes. And that, of course, depends on the kind of coverage owners had. If they had an actual cash value policy, that’s what they’ll get, end of story. If they had replacement coverage, there’s a 20 percent buffer above and beyond the replacement cost. They’ll get even more if their policy had an endorse-ment for building codes and ordinances changes.

According to Carole Walker, executive director for the Rocky Mountain Insurance Information Association, home owners often want to get the assessed value, while insurance companies are concerned with today’s costs to repair or rebuild the home.

“In the rebuilding process, the first checks owners of-ten receive is for the actual cash value of the house. When they’ve finished the rebuilding process or buy somewhere else— and they have replacement coverage — the final check will be cut when they’re actually in that home.”

Will insurance cover Boulder County’s strict building code?

While the insurance discussion seems relatively straight-forward, we’re talking about people rebuilding their homes in Boulder County, which has one of the strictest build-ing programs in the country, BuildSmart. On October 21, Boulder County Commissioners decided that the rebuilt homes need to comply with its BuildSmart program.

Kim Sanchez, planning division manager for the Boulder County Land Use Department, said, “Where we want people to rebuild an energy efficient home, we do plan to have a lot of technical assistance to help them with that. For example, we’re going to be working with them to take advantage of passive solar; we have people who can help them figure out what com-ponents will really help them with insulation and such to build a better structure up there. But BuildSmart did not get waived.”

In particular, BuildSmart regulates a home’s energy consumption; a new home that complies with Boulder County’s BuildSmart regulations would have a HERS 50 rating or better. And building a HERS 50 house isn’t easy, observed architect and builder Rodwin, who said, “It takes some real solid green building know how.”

That could complicate the amount of money a home owner gets from the insurance company. For example, let’s say a 4,000 sq ft home was destroyed in the fire and the insurance company’s replacement value for that home is $150/sq ft., or $600,000.

“You can’t build a HERS 50 house for $150/ sq ft.,” Rodwin said. “There’s a premium for that level of sustain-able building, such as superior insulation, a premium me-chanical system, very good windows and possibly some renewable energy, like solar panels. And that costs a little more, about $20-$30/sq ft.”

That’s where owners’ policies with an endorsement pays off; their payment is upgraded to comply with Boulder County’s current building codes. Without the endorsement, owners will need to pay those costs out of their own pockets.

Phot

ogra

phy

by P

aul M

ourr

aille

The Ellsworth residence in Allenspark is a 2,000 sq ft contemporary mountain home with a detached garage/studio. Rodwin Architecture designed and Pendelton Homes built the green home to include passive and active solar, high-efficiency windows, an ultra-efficient boiler with radiant heating and timber and stone that are harvested on site. The great room and large deck are sited to capture the sweeping mountain views beyond (see page 26, too). The owner is a noted wood-turner and asked for a design that expressed his appreciation for the beauty of wood.


Commissioners approve three rebuilding scenarios

At the October 21 meeting, the Boulder County Com-missioners approved several changes to its Land Use code to help facilitate and expedite rebuilding and recovery from the Four Mile Canyon fire. The first extended the timeline to rebuild a home. If someone loses a home to a wildfire, the code has been extended from six months to two years to rebuild the exact home — without any review processes. Owners can request a one-year extension if they don’t ap-ply for a permit within that two-year timeline.

The commissioners also approved three rebuilding pro-cesses. According to Sanchez, if an owner wants to rebuild what was on the property before the fires — same size structure in the same location — only a building permit is required. “We’re expediting the timeline to issuing those per-mits, as well,” she said. “If you only need a building permit, we’re hoping that can be issued within two to three weeks.”

Building permit plus lets owners boost house sizeIf owners want to change the size of their footprint,

they can add 530 sq ft to what the destroyed house’s size through the expedited Building Permit Plus (BPP). That number was calculated based on the average two-car garage 22’ x 24’ (528 sq ft)— something that many owners want, but didn’t have in the canyon. “They can add up to 530 sq ft, so long as they don’t exceed 6,000 sq ft (the house size limit in Boulder County) on the parcel,” she said. “The intent of that number is to accommodate a standard two-car garage, but people can reconfigure it for whatever they want.”

Sanchez said that the BPP is designed to help people build better than what they had before. “We’d like to work with them to take advantage of passive solar design, to see if there are opportunities to locate their home in a safer place on the site out of the hazard area. We want to see if there are ways to improve the access, maybe make it shorter or add some pullouts for emergency vehicle access. The BPP process really just looks at a limited number of things.”

Usual site plan review process for bigger homesIf someone wants to add more than the 530 sq ft al-

lowed in the BPP, the third option is the usual site plan review process — the most rigorous in the country, accord-ing to Rodwin. The standard process looks at 16 differ-ent environmental, aesthetic, visibility and safety criteria, “really,” Rodwin said, “everything having to do with the overall picture of what you’re planning to build there. In particular, it limits size and placement on the site. It is so strict here that if you don’t understand it, you’re going to get into trouble. There is a cost premium to building at this level of sustainability — and people could get into con-tractual disputes if a builder doesn’t realize the difference between energy efficiency and green.”

Another new regulation allows temporary emergency housing for those who want to live on the property. “Where the county prefers to see property owners living in permanent housing, we recognize that some people will want or need to live on their property as they rebuild,” Sanchez said. “Many people have temporary emergency housing provisions in town, but that will depend on how long their insurance is going to allow them to live elsewhere. So the chief building official will now have the authority to allow some sort of emergency temporary housing to occur on the property.”

Building permit fees are going to be required, although, Sanchez said, “the board acknowledged that they would consider waivers and true hardship situations. It was a pretty hefty set of regulations to deal specifically with this fire. But our hope is if something else happens, we’ll have a good base on how to deal with these kinds of natural disasters. Also, they could be a template for other jurisdictions if they were to have something like this occur.”

Site cleanup is treated as hazardous materialBefore anyone can build, though, debris from the sites

needs to be removed. “And that’s huge,” said Dennis Hud-son, president and manager of Hudson Homes and owner of Hudson Construction. “Mitigation companies are up there washing the sides of the homes [that weren’t completely

Unit #101 at Hudson Home’s condo project at One Penn Place in Boulder features an Energy Star® rated 2,084 sq ft condo with two bedrooms plus study, 2.5 baths, a chef’s kitchen, along with a secured entrance and garage. The $739,000 unit enjoys superb Flatiron views from every window.

800.733.7886 | www.boman-kemp.com

Basement Window Systems

Concrete Foundation Association

National Association of Homebuilders

Boman Kemp is proud to announce the Easy-Buck, Easy-Well Basement Window System is now ICC approved. The Boman Kemp system is the ONLY one in the industry to receive an ESR number!

Just another reason why Boman Kemp continues to be an industry leader!

ICC ApprovedESR# 1856

The Only ICC Approved Basement Window System

in the Industry!

5Rebuilding confidence in our time proven product and the most economical method for a aesthetically cost effective way to meet egress requirements.

A five year warranty for labor and material for replacement of areawells will be provided to the home builder upon completion of proper installation, testing, and registration. See reverse for details

See Boman Kemp Representative for Details


destroyed], hauling off personal items from the house, getting them cleaned and somehow getting the inside of the home so it doesn’t smell like smoke.”

Yet many homes were completely destroyed — and the sites need to be cleaned before anything can be built again. Hudson said the county is assum-ing that asbestos is in the ash, so it needs to be treated as hazardous waste. “You can’t just load it in containers and haul it off,” he explained. “It has to be a lined container, so it doesn’t blow out all over the place when they’re hauling it. So the trash companies are trying to get up to speed on that.”

He added that some home owners would like to let the elements take care of it, however, if asbestos is in the debris, the county doesn’t want the ash washing into the creek. “That’s a huge issue and I think once that gets solved, the rest of it will flow a little better. The cleanup needs to be done quickly and soon. I don’t think the county is just going to let them sit around on their thumbs and do that in the spring.”

Affordable high-risk insurance will require item mitigation Encourage your buyers to find out whether their home owners’ insurance

policies are insured for actual cash value or to replacement coverage. Mean-while, Walker said that insurance companies have become more strict about all high-risk properties — wildfires being one of the highest risks.

“Insurance companies expect owners to take scientifically proven mitiga-tion steps to protect owners’ property,” Walker said. “They’ll actually get a notice that the insurance company has performed an on-site inspection and items they’ll need to mitigate, such as thinning trees or a road where emer-gency vehicles can get up and turn around.”

She added that Boulder County has been very proactive by requiring Class A fire resistant roofing products. “There’s already a pretty strong code in Boulder County,” Walker said, “probably the strongest in the state. And insurance com-panies very much support that. As this area is rebuilding, and they make it more fire resistant and safer, obviously, that’s what insurance companies’ number one goal is: How do we save and protect these homes?”

The RMIIA has partnered with the Colorado State Forest Service to produce an educational brochure, Wildfire and Insurance. You can download it from RMIIA.org, under the “Catastrophes” tab.

Building community influenced new codeBoulder County reached out to its local architectural and building commu-

nity for recommendations for a new code in wildfire-prone areas. “Luckily, we

HIGH QUALITY

COMPONENT

MANUFACTURING

AND MORE...

Modular or Custom Configured

Flat Packed, Ready for Easy Assembly

Thermofused Melamines

Wood Veneers on MDF

.5 to 3mm Thick Edgebands

Functional Hardware

CL

OS

ET

S

YS

TE

MS

DR

AW

ER

B

OX

ES

Co

nte

mp

ora

ry

FR

ON

TS

CO

MM

ER

CIA

L

CA

SE

WO

RK

CA

BIN

ET

B

OX

ES

970.241.7682To learn more or to download a free catalog

www.cabparts.com

RESIDENTIALCOMMERCIAL

INSTITUTIONAL

Phot

ogra

phy

by P

aul M

ourr

aille

Alpine Lumber: Your green building resource center

1120 W. 122nd Ave., Suite 301Westminster, CO 80234 303-451-8001 www.alpinelumber.com

Green Products• FSCCertifiedLumber• InsulatedConcreteForms(IFCs)• RecycledContent,CompositeDecking• EngineeredLumber• OrientedStrandBoardSheathing• FingerJointStuds• RoofTrusses• FloorTrusses• PrebuiltStairUnits• FiberCementSiding• HouseWrapsandVaporBarriers

• OSIGreeneriesLowVOCCaulks,SealantsandAdhesives• NoAddedUreaFormaldehydeParticleBoardandMDF• RecycledContentDoors• NoAddedUreaFormaldehydeDoors

Dedicated employee-owners committed to being the best supplier of materials and related services to the professional builder.

BuenaV ist a • CrestedBut te • Denver • Durango • Eag le • Freder ick • Granby • Montrose

Pa rker • Steamboat Spr ings • Tel lu r ide • A ngel Fi re , NM•Fa rming ton, NM•Ga l lup, NM


The Design Flexibility You Need. The Performance You Trust.

Fully-adhered weather resistive barrier

Faster spray-applied application

Proven building science technology

Building Materials Distribution800-525-1255

have a really great construction and design community,” Sanchez said. “We’ve been meeting with them and plan on continuing to hold workshops.”

And while the county can’t promote or recommend local builders, it has added a database on its web site that shows the people who have licenses and the number of projects they’ve done in Boulder County. An owner could then determine if somebody was new or had a lot of experience in the county. It shows the date they got licensed and how many projects they’ve done, according to county records. It’s factual and provides that information to folks, without the county saying, ‘local only.’”

Boulder County also has put together packets for each property owner in the burn area with a damaged or de-stroyed structure. The packet includes parcel history, size of structure on record, aerial photos and available site plans. “We’re going to with each property owner,” Sanchez said, “so they’ll have one point of contact.”

People begin rebuilding their dreamsMeanwhile, people are moving on and rebuilding their

lives — and their dreams. “I feel for them,” Hudson said.

“It’s a tough deal to be homeless and not have had any-thing to do with that.”

Sanchez added, “We understand it’s just a devastating event, and the community has really been grateful. That’s somewhat unusual for a county government office to get that kind of senti-ment. We cranked out these [new codes] very quickly, because we wanted to be responsive and have something adopted in place, so people could start rebuilding and getting their lives back together as soon as possible. It’s a very intense process: Dealing with the home owners, listening to their stories and try-ing to figure out the best ways to help them. It’s really been nice to have that kind of community reception to our efforts.”

Within days of the fire, an owner contracted Rodwin to design and rebuild his home. A month later, another owner contacted him. “A lot of builders come in and they’re get-it-done kind of guys. And for some clients, that will be a good approach,” he said. “For others, there’s an element of compassion that is not normally as prominent in the building process. These people are not necessarily mentally ready for that. A lot of them are going to be dealing with a grieving process for a while and that’s not necessarily something we deal with in the construction trade on a regular basis. I think we need to be sensitive to that.”

On-time delivery doesn’t start with delivery. It starts by making your windows right

the �rst time. And following through from the initial order, manufacturing, and shipping.

Atrium understands your commitment to your homebuyers, it’s why we make your

windows right, ship them complete and deliver them on time. Our national presence

allows us to deliver millions of windows and doors to job sites all across America, every

year. We deliver on delivery.atrium.com


A couple yeArs Ago, Bill chin plucked a child’s wish for a new bike off a local giving tree in Timnath. While looking at new bikes, the vice president of production for Alpine Cabinet Company realized they weren’t very good, so he picked up an old bike. It needed tires, chains, pedals, grips, new paint — the works.

One night after work, he began fixing it up, and one by one, a half dozen employees punched out and asked if they could help. He thought, “How can I bottle that? What can I do to keep people that motivated, at that time of the year — and something with wood?”

Fast forward to last year, just after Thanksgiving. The family-owned cabinet company faced its own slow down. Even though they had to cut back employees’ hours, Chin, his brother Scott and father Dick committed to keeping people employed through the holidays. Rather than just paying employees to sweep the floor, he wanted a way “to get everybody involved, give them not only something they could do, but feel better about themselves — and help some kids out, too,” he said.

And that’s when it hit him: Dollhouses. They’d build dollhouses and donate them to charities.

giving back by Kim Jackson

Playing House: How alPine Cabinet ComPany keePs its forCe working during Holiday slow times — and gives kids toys of tHeir dreams

Word quickly spread about Alpine Cabinet’s “housing boom.” CBS Evening News (left) aired the story, which flooded the Timnath company’s server with emails from around the country.


That was easy: Suppliers donated materialsChin thought the tough part would be getting plywood,

lumber and paint donations. Three of his suppliers stepped right up and gave him enough material to build the first 35 doll-houses. When he told his staff what he wanted to do, “people here just started dreaming things up and pretty soon, they were cranking out dollhouses,” he said. “We built our own furniture; each house had two beds, a couch, a chair, dresser, fridge and [of course] cabinets. Everybody’s imagination was going crazy and we’d take waste and turn it into a refrigerator or a dresser.”

Not everyone there is a wood worker. The company’s receptionist and bookkeeper crocheted quilts for all the beds. Chin’s wife and mother-in-law made pillows and cur-tains. “One of our employees’ wives went out and bought 20 or 30 sets of dolls to supply the houses. It just became a creature of its own. Everybody just pulled together and it was a pretty positive thing for a pretty poor time of our lives. For a week or so, we could get away from everything and it made everybody feel good.”

The tough sell? charities initially didn’t want hand-made dollhouses

Chin thought the easy part would be giving the dollhouses away. Turns out that was a tough sell to the charities he called. “People thought I was out of my mind,” he recalled. “It was like, ‘You want to do what?’ It was the We-like-our-stuff-out-of-a-box-from-Walmart mentality. So it was kind of stalling out on me.”

Then the local newspaper caught wind of what they were up to, wrote an article, and those charities that laughed at him called the next morning, asking for dollhouses. (Do you see the parallel between Rudolph the Red-nosed Reindeer and Bill Chin here?)

Dollhouse project gained state, national coverageThat’s when the Dollhouse project took on a life of its

own. After reading the article in the Fort Collins Coloradoan,

a man walked in and gave Chin a check for $1,000 to build more houses. “So we did,” Chin said. All told, Alpine Cabinet Company built and outfitted 65 houses for last year’s Dollhouse project.

“He was just a neat guy,” Chin said. “He didn’t want any recognition, no thank-you letter. He said, ‘My wife will get mad if she knows how I’m spending my money, but you’re doing a cool thing.’ That’s just the kind of response we had. It started off in one way; we were flying under the radar and doing a nice thing, and it really blew up and became a creature of its own deal. It was cool.”

What they were doing gained more notoriety. Denver’s 9News ran a story about the Dollhouse project and a CBS Evening News with Katie Couric crew was on hand to film as they gave the houses to excited little girls — who immediately set up house. Before the piece had aired in Colorado, Chin was getting calls from around the country, congratulating him on what they were doing, and offering to donate money.

“We had so many e-mails, it cooked the server,” he quipped. “We probably had 300 e-mails before it aired in Colorado, then the server melted down and we lost all the e-mails, which was a real drag. Everybody here felt good about what they had done. All the little kids were deserving and happy with their Christmas gift. And for some of them, that was the only gift they were going to get all year.”

“it doesn’t hurt to give.”All told, it was a great experience for everyone in-

volved. “If anything can be taken away from it, it doesn’t hurt to give,” Chin said. “It does feel better to give than to receive. Little kids’ faces would light up when they’d see these dollhouses. The last place we delivered, a community center in north Fort Collins, this little girl was down on the floor playing with the dollhouse with my brother — a 50-year-old grown man playing with a dollhouse. It was pretty cool.”

From left, Scott, Dick and Bill Chinn take a quick pose with a doll house, before heading out to make a little girl’s dream come true.

Each doll house has furniture, curtains, even blankets — all made by staff at Alpine Cabinets. “It doesn’t hurt to give,” Bill Chinn said.

Structural Screws & Composite Decking ScrewsThe Simpson Strong-Tie® Strong-Drive® screw (SDS) is a ¼" diameter structural wood screw ideal for a variety of connector installations as well as wood-to-wood applications. It installs with no pre-drilling and features a double-barrier coating for corrosion resistance. The SDS is available in lengths from 1 ¼" to 8".

The Simpson Strong-Tie® Composi-Lok™ deck screw is specially designed for composite decking. The screw’s shaft features “wings” that counter bore into deck boards, helping to prevent fastener spin out—a common problem in cold or wet conditions. The Composi-Lok cap-style head also reduces mushrooming material, ensuring a cleaner-looking installation.

© 2010 Simpson Strong-Tie Company Inc. SDSDCL10-BLearn more about our entire fastener line by visiting www.strongtie.com/fasten or calling (800) 999-5099.

Available through

SSTM-SDSDCL-B_8_3-8x5_1-2.indd 1 5/18/2010 12:12:05 PM

giving back (continued from page 31)

company will add barns this yearBy October, he already had requests

from charities for dollhouses this season. And he’s adding barns this year. “We’ll build a little tractor, a wagon, some hay bales,” he said. They’ll scout around for plastic barnyard animals, and he’s leav-ing it open for employees’ imagination to transform the project. “I don’t know where we’ll end up with the barn. It’s a neat deal, where a little kid has every-thing ready to go when he opens it, to start having fun. We’ll get creative here and figure out exactly what we’re going to put in the barn.”

His current plans are to give away 50 each of dollhouses and barns. “It doesn’t really hurt that bad to give,” Chin said. “It’s tough times out there for everybody. If everybody had the same thought, I think a lot of kids — or grownups; It can be hard cash — would benefit. If you’ve got it, it doesn’t hurt to give a little bit of it away.”

INTRODUCING:The New Colorado Home Builders

General Liability ProgramGeneral Liability for Builders and Trades

Association member discount and broad policy language

General Contracting coverages include:

Carrier Rating: A-VIII

• No tract or multi family limitations

• Silent on punitive damages

• Silent on subsidence

• No prior work exclusion

• Defense outside the limits

• Broad duty to defend

• $1M/$2M/2M Limits

• $2500 minimum premium

Sub Contracting coverages include:

Carrier Rating: A-VIII & A-XI

• No tract or multi family limitations

• Silent on subsidence

• No prior work exclusion

• Defense outside the limits

• 24-hr quote turnaround

• $1M/$2M/2M Limits

• $2000 minimum premium

• $1000 deductibles

With a unique partnership between the Colorado Association of Home Builders, Willis and Crump

Insurance we have been able to package an insurance program that provides competitive

pricing and enhanced coverages.

By combining the size and strength of the CAHB membership and the risk management

expertise of Willis, we are able to bring the General Contracting and Sub Contracting

trades a truly improved insurance product.

Excess limits are available

ConnIe RIVeRA PH: 303.765.1541fax: 303.698.7563

[email protected]

COMMERCIAL AUTO BUILDERS RISK

PROJECT SPECIFIC


in thAt there is no AppellAte lAw At this point interpreting or applying the recently enacted HB 10-1394, I find even district court orders on the topic to be very interesting. In Colorado Pool Systems, Inc., et al. v. Scottsdale Insurance Company, et al., The Honorable Christopher C. Cross set forth the pertinent facts as follows in an October 4, 2010 order:

Plaintiff Colorado Pool Systems (“Colorado Pool”) claims for breach of contract and negligent misrepresentation arise out of a general commercial liability insurance policy, No. CLS1112693, purchased from Scottsdale (“Policy”). The Policy’s effective date was from April 25, 2005, to April 26, 2006. Colorado Pool made a claim under the insurance policy for the costs to repair a defectively constructed swim-ming pool. As of September, 2006, Colorado Pool had a con-tractual agreement with White Construction Group, LTD, to construct a swimming pool that was ultimately defective because metal bars were protruding through the concrete. Because the contractual agreement with White Construc-tion required remedy for the defective pool, Colorado Pool requested preapproval from Scottsdale to be reimbursed for losses resulting from demolishing and reconstructing the pool. The relevant parts of the Policy provide:

This insurance applies to “bodily injury” and “property damage” only if:

(1) The “bodily injury” or “property damage” is caused by an “occurrence” that takes place in the “coverage territory”; Policy at Page 1 of 15.

The Policy defines the word “occurrence” as follows:“Occurrence” means an accident, including continuous or repeated exposure to substantially the same general harmful conditions. Policy at Page 14 of 15.

The Policy does not define the word “accident.” However, Black’s Law Dictionary defines accident as follows:1. An unintended and unforeseen injurious occurrence; something that does not occur in the usual course of events or that could not be reasonably anticipated. 2. Equity practice. An unforeseen and injurious occurrence not at-tributable to mistake, neglect, or misconduct. Black’s Law Dictionary 15 (7th ed. 1999).

new legislation: Liability coverage law or fact?

Colorado recently adopted new legis-lation relating to insurance coverage for construction defects. C.R.S. § 13-20-808 (promulgated in H.B. 10-1394). The new law essentially states that faulty work-manship constitutes an “occurrence” and, thus, construction defect claims gener-ally fall within a general liability policy’s insuring agreement.

In light of the enactment of this new legislation, the Court requested briefs on how the new legislation affects these proceedings, and invited comment on whether liability cover-age under the insurance policy is a question of law or fact. The parties have briefed these issues in full and the court will now address these issues.

The briefs referred to were Scottsdale’s Combined Renewed Motion for Summary Judgment and Brief Regarding Colorado H.B. 10-1394 and Colorado Pool’s Motion for Partial Sum-mary Judgment. By this order, Judge Cross granted Scottsdale’s Motion and denied that of Colorado Pool. In doing so, Judge Cross provided the following background regarding C.R.S. § 13-20-808 and the issues, as framed by the parties:

The legislature, in passing H.B. 10-1394 determined that construction defect claims present the most significant liability risk for construction professionals and found that such claims are the primary reason why construction professionals purchase general liability insurance. There-fore, the passage of HB 10-1394 is of importance to the construction industry as it directly addresses the question of coverage for the industry’s principal risk.

Section 13-20-808 (IV) provides that one of the intents of the new legislation is “[f]or the purposes of guiding pending and future actions interpreting liability insurance policies issued to construction professionals…” Moreover, Subsection 1 of the Editor’s note in C.R.S. § 13-20-808 provides that “Section 3 of chapter 253, Session Laws of Colorado 2010, provides that the act adding this section applies to all insurance policies in existence as of, or issued on or after May 21, 2010.”

buiLDing by The Law by David McLain

one Court interPrets newly enaCted ConstruCtion defeCts legislation as matter of law. will otHers do tHe same?

david mclain

Nothing Lasts Like An Acme Brick.We Guarantee It.

hen you buy a new home, you want it to last a

lifetime. But when windows break, the roof springs

a leak, and the paint peels, it is nice to know that

one product, Acme Brick, will last a

lifetime. Each Acme Brick is made

from fine earth clays, blended for

color, and hard-fired in computer-

controlled kilns at temperatures that

can exceed 2,000 degrees. The result is a brick that

will outlast your mortgage. In fact, we guarantee it –

for 100 years.

Since 1891, we’ve shown that Acme Brick is

the best thing to have

around your house

and your family.

So, for lasting beauty that comes with a

100-year, fully transferable limited guarantee, choose

Acme Brick.

Because, if you don’t see the Acme name, you

won’t get Acme quality.

Or the guarantee.

Latex paint:5-year limited guarantee.

Composition shingles:20-year limited guarantee.

Double-pane insulated windows:20-year manufacturer’s warranty.

Oak panel door:1-year manufacturer’s warranty.

W

401 Prairie Hawk Drive • Castle Rock, CO 80104 • (303) 688-6951 • brick.com

Acme Brick FP:Layout 1 4/15/08 8:57 AM Page 1


Plaintiff argues that the statute applies in this matter because its claims are “pending” before the Court and are therefore controlled by C.R.S. § 13-20-808. Defen-dant maintains that because the statute does not apply retroactively to expired policies, the new legislation does not apply to Plaintiff’s policy. The Court agrees with Defendant. The Policy was in effect for a one-year period beginning April 25, 2005. The Policy expired by its own terms on April 26, 2006. The statute refers to policies currently in existence or policies issued before the effective date of the statute but not yet expired.

Plaintiff’s policy expired on August 26, 2006. Although Plaintiff has pending claims stemming from the period when the Policy was in effect, it would be an impermis-sible retrospective application of the statute to apply its provisions to this action.

court concludes liability coverage is a matter of lawAfter setting forth the general rules regarding contract in-

terpretation in Colorado, Judge Cross continued by stating:

The Policy covers claims for bodily injury or property damage caused by an occurrence. An occurrence is de-fined in the Policy. Colorado Pools seek coverage under the policy for faulty workmanship causing a defective product (pool). In its previous Motion, Scottsdale relied on the case of General Security Indem. Co. of Arizona v. Mountain States Mut. Cas. Co., 205 P.3d 529 (Colo. App. 2009) as determinative of whether Colorado Pool had coverage under the Policy. In that case, the court found that commercial general liability policies are in-tended to exclude coverage for poor workmanship be-cause poor workmanship is a business risk to be borne by the insured, not a fortuitous event. Id. at 535-36.

Colorado Pool’s claim under the Policy was for faulty workmanship by Colorado Pool’s subcontractors in constructing the pool, which required Colorado Pool to incur costs to demolish and rebuild the pool. The Court concludes that the General Security case is directly analogous to the case at bar, and also finds that substandard workmanship, standing alone, is not a “fortuitous event” that results in an “occurrence” trig-gering coverage under the Policy as a matter of law.

Furthermore, the Court finds that no “property dam-age” occurred, because the cost for which Colorado Pool was seeking reimbursement from Scottsdale was for repairing the defective workmanship on the pool. In other words, there was no damage to any property beyond Colorado Pool’s own work product itself,

which cannot alone trigger coverage. The Court recon-siders its previous ruling that this issue is a question of fact (where there are disputed interpretations of the facts) and now concludes that the coverage issue is a matter of law. The Court concludes, as a matter of law, that there was no “occurrence” or “property damage” which would trigger coverage in this matter.

Until there is any appellate case law on the subject, I expect that there will be continued interest in any and all trial court orders interpreting or applying HB 10-1394. If you would like a copy of the order discussed in this entry, please send me an e-mail at [email protected]. Also, if you have any additional orders on point, I would very much like to see them. Please send me any orders you may have.

buiLDing by The Law (continued from page 34)


Consulting EnginEErs • Geotechnical •

• environmental •

• related services •

Responsive, professional services based on 38 years of expertise

www.agwassenaar.comMain Office: (303) 759-8100

Toll Free: (877) 696-0826

offices in Denver anD coloraDo springs

“We build relationships, not just clients.”

cost effective solutionsprofessional & responsiveextensive local expertisecommiteD to excellencepractical & personalizeD

“Since 1972, helping our clients successfully build from the ground up.”

†Based on 1/2-inch STYROFOAM SIS™ Brand Structural Insulated Sheathing ®™ Trademark of The Dow Chemical Company (“Dow”) or an affiliated company of Dow

Make a big difference without a big change.

Without adding a single step to the construction process, achieve a new level of energy efficiency in every home you build. Introducing STYROFOAM SIS™ Brand Structural Insulated Sheathing from Dow Building Solutions. Simple to work with at just one-third the weight of OSB,† this revolutionary building material not only meets or exceeds structural codes, it provides R-3.0 to R-5.5 insulating value and even satisfies code as a water-resistive barrier when used with WEATHERMATE™ Construction Tape from Dow. So you can create a big difference in monthly utility bills without a big change in your process.

800.525.1255Denver, Co

800.264.5842granD junCtion, Co

www.dowsis.com


new proDucTS aT rmbc by Kim Jackson

new ProduCts at rmbC HelP you build smarter, more effiCient Homes

if you went to the rocky MountAin Builder conference, you sAw A lot of new products that can help you build homes smarter, faster, greener — and save money at the same time. If you didn’t make it to Beaver Creek, you’re in luck: Here’s a brief synopsis of some of the products seen at the show.

reid and wright, inc.Fiberon Company’s Horizon is a composite decking,

wrapped on all four sides. It’s made using durable Permatech technology, the same stuff that wraps a golf ball. Horizon has a 20-year no fade, no stain warranty, so if grease is spilled on it, it cleans right up, without staining. And because it’s wrapped on all four sides — and actually breathes — Hori-zon composite decking resists mold and fungus growth.

Stonedeck West’s Stonedeck is natural stone with a fiber-glas back, to strengthen it. With two floors and nine types of stone — quartz to slate — Stonedeck can replace traditional decking. It’s low maintenance and fire resistant. What’s also unique about Stonedeck is it has a slight micro-use convex shape on all four sides, so water slides right off the stone.

Denver-based United Construction Products’ Bison Block Support Level It is often used with Stonedeck. Level It lets you build a deck on a slope — without re-surfacing it — and maintaining the drainage. You can adjust the level system anywhere from a half an inch to two feet, which means you can have a difference in grade and still have a flat deck. The system also allows for movement, so if you put it on natural dirt and it freezes, then thaws and shifts, you can simply remove the tile, adjust the Level, and replace the tile.

More info on these products: reidwright.com


Builders who build one or two homes a year often feel the pinch, more like a punch, of the higher costs associated with being a custom builder — from materials and labor, to marketing, sales and lost land acquisition opportunities.

G.J. Gardner Homes offers small custom builders purchasing power and systems to grow from building one to two homes a year, to a dozen or more. On hard costs alone, a G.J. Gardner Homes franchise owner saves about 12 percent, both in labor and materials.

From business cards to television commercials, G.J. Gardner Homes has all the material that’s usually only available to national builders ready to go when a builder buys a franchise. The web site includes all its builders’ plans, so customers have access to thousands of plans from around the world.If a customer in Colorado finds a plan in New Zealand, it’s easy to download the CAD files, print out the plan and modify it for local requirements.

G.J. Gardner Homes’ sales training program helps cus-tom builders’ businesses grow fast, and helps them access land in larger neighborhoods that traditionally may not have been possible to a small custom builder before.

The backbone of the company is its proprietary software system, which manages every aspect of each builder’s busi-ness, from client interaction, sales and sales management to quoting houses for customers. A customer can show a builder a sketch of a home, and within hours, the builder can offer a fixed price — all without drawing up plans and sending them out to subcontractors for bids. The software system has a scheduling module that, when picking up a permit, lets you know when the cleaner should be there to polish the front door knob. It also manages all the contractual documents, job specifications, color sheets and change orders, so a custom builder becomes organized and super efficient.

More info: Brook Swientisky, 303-768-0101, www.gjgardnerhomes.com

g.J. gardner homes


new proDucTS aT rmbc (continued from page 39)

anchor engineeringAnchor Engineering is a full-service consulting

structural engineering and inspection firm that focuses on designing single family custom and production homes, as well as multifamily housing projects, in addi-tion to commercial facilities.

Recently, the firm has been engineering modular single family and multifamily factory-built homes.

These homes are greener out of the chute due to the factory processes that minimize waste. The compo-nents are assembled in the factory, including kitchen cabinets and appliances, and the house is delivered to the field on a flatbed truck.

There, the crane puts the components together and voila, a house is built! The wood used to build the homes isn’t exposed to the elements as it is through traditional home building methods, thereby often sav-ing builders time as they are forced to wait out a rain or snow storm — and wait for the wood to dry. On the commercial side, Anchor Engineering recently engi-neered a three story hotel in Trinidad, where the main structure was put together in two weeks.

Anchor Engineering hangs its hat on service to builders and architects, during every phase of the home’s construction. Project Manager John Laur said,

“We’ll bend over backwards to help everybody on the project, from the beginning to the end. We have a diverse skill set in the office and offer a lot of things other engineers don’t.”

More info: General structural engineering: 303-783-4797. Modular-specific info: John Laur, 303-783-4797 x105, [email protected]

grace construction productsVicor enV® is a breathable, acrylic weather-

resistive barrier that provides superior protection against water and air intrusion. Vycor enV® is a fluid applied, breathable, acrylic barrier that’s formulated to provide weather protection for single family and wood-frame multifamily construction, where the typical substrate are OSB and plywood. Its UV inhibitors are built in, which allows a construction project to be exposed for up to four months without water getting into the building cavity.

Vycor enV also is fully adhered to prevent air and water migration between the barrier and substrate into the structure. As a fully adhered air barrier, builders don’t have to use house wrap. And if moisture does get in, the barrier lets it escape. Because it is sprayed or rolled on, it seamlessly and fully bonds to the surface.

For the home owner, Vycor enV can save on energy costs in the future. What’s more, it doesn’t contain any solvents, carcinogenic materials or isocyanides and is listed as one of NAHB’s green approved products. For builders who want to build homes that outperform the current standards, Grace is a Manufacturing Partner in the Department of Energy’s Building America Builder’s Challenge; it’s Vycor enV contributes to the energy efficiency of the home.

More info: Bonnie Fry Searl, 970-513-9779, [email protected], www.graceconstruction.com


Ask us about our new

Protects against moisture, air & water leaks in critical non-roof detail areas:

s

Window and door openings

s

Foundation & sheathing sill splashback areas

s

Inside/outside corner details

s

Now with RIPCORDTM SPLIT RELEASE ON DEMAND

Contact your local Lumber Dealer for Grace Vycor Plus Flashing and other Grace Underlayment Products

Colorado Stocking DealersAlpine Lumber - All Locations

Big John’s Bldg & Home Ctr - Glenwood SpringsBighorn Materials - Silverthorne

BMC West - All LocationsBoulder Lumber - Boulder

Builders Enterprises - DenverBreckenridge Bldg Ctr - Breckenridge

Chase Lumber Co - AuroraCounty Line Lumber - ErieDenver Lumber - Denver

Douglas Lumber - Castle RockEdwards Bldg Ctr - Edwards

Front Range Lumber - LakewoodHighland Lumber Co - Tabernash & Grand Lake

Jordan’s Bldg Ctr - ArvadaLafayette Lumber - LafayetteMawson Lumber - Fort Collins

ProBuild - All LocationsProcoat Systems - Denver

Specialty Wood Products - AuroraValley Lumber - All Locations

Visit our web sites:www.graceconstruction.com

www.boisebuilding.com

Denver, Co (303) 289-3271

granD junCtion, Co (970) 244-8301

DistributeD by:

blind corners & curvesWhen it comes to window coverings, what goes up MUST come

down. Honeycomb window coverings continue to be a popular product among home builders, mostly due to their higher energy values. And while nearly any company can offer window coverings for odd-shaped windows, such as arches and trapezoids, only Blind Corners & Curves has a patent that makes those window coverings operable. As a result, the company gets a lot of national work.

Increasingly, builders are working with the company to install wir-ing for motorized window coverings during the construction phase of the project, because it’s much more costly to install that wiring later.

What’s really new and cool this year, though, are the com-pany’s sun sensitivity sensors that can be used with window coverings to make the shades open and close — depending on the time of day — to make the house look occupied. And if a home is built without the motorization wiring ready to go, Blind Corners & Curves has a solar collector that raises and lowers nearly any shadings it offers — without any wiring.

Whenever there’s sun value, the solar collecting is storing and saving energy, so if it’s cloudy for a few days, there’s enough energy there to raise and lower the window coverings several times. Com-bined, the solar collector and sun sensors help to keep the solar gain in during the winter and keep it out in the summer. Talk about green!

More info: Natalie Lucero, 303-755-5000 x219, [email protected], www.bccblinds.com


Advance Your

Career in

Construction and

Green Building

Advanced Scheduling Certifi cate – Denver

Construction Management Certifi cate – Denver

Green Building Certifi cate – Denver, Online

Green Roofs Certifi cate – Denver

HVAC Systems Course – Online

Integrated Energy Systems & Daylighting Course – Online

LEED® Exam Preparation Course – Online

Renewable Energy Systems Course – Online

Register Today – Classes begin in January!

www.CSUConstructionCertifi cates.comand The Institute for the Built Environment

real green building SystemsIf you want to save money and build reduce your

homes’ carbon footprints, Real Green Building Systems’ plumbing-based fire suppression system can save you $10,000 or more on each home you build. It’s the only fire suppression system that’s installed by a master plumber, which means your fire protection system can be installed at right around $2/ sq. ft.

Because the system is based on the home’s cold water supply, when your buyers turn on the faucet, they know their fire suppression system works. That also saves on the annual hefty fee to check the fire protection system.

The ceiling sprinklers are are covered with a three-inch diameter plate, which will fall off at 135 degrees. The system activates when it reaches 165 degrees, giving oc-cupants ten minutes to get out of the house.

President Doug Lenberg reported that the system can cut down on framing costs and create a positive carbon foot-print, where each house in a community contributes to the reforestation of the neighborhood. The company’s insula-tion product is installed over the roof and walls, to prevent freezing pipes. Using it as a thermal wrap reduces the size of walls and cuts heating and cooling costs by nearly half.

The company’s plumbing-based fire suppression sys-tem has saved a Farmington, NM subdivision $10,000 a lot, through tradeoffs with the fire marshall. “One of the tradeoffs they’ll give you is a higher density on that particular land, because they don’t have to worry that they can get a fire truck or a 150-foot hose in there.”

For more information visit: rbgsonline.com

new proDucTS aT rmbc (continued from page 41)

Don’t let too much

ruin your holiday

SBSA can help identify potential problems before they occur, working with you to prevent common issues such as:

www.callSBSA.com (303) 425-7272 [email protected]

• slip and fall hazards

• ice damming

• drafty spaces in your home

• conduct thermographic imaging of heat tracing and radiant floor heating

• ensure your heating systems are working before the snow falls


tHe 2010 roCky mountain builder ConferenCe goes on tHe books as a suCCess!

Thanks to all who participated, the ’10 Rocky Mountain Builder Conference was a success! More than 200 Colorado members attended the conference and took advantage of the time to network and problem solve with one another and visit with our 30 exhibitors. And, as Emil said in his letter, it was a profitable event for CAHB. Whew!

If you haven’t been to the RMBC, go next year. The people you meet, the relationships you enhance, the things you learn — all help you gain a competitive advantage in today’s home building environment!

rmbc recap

Emil Wanatka, CAHB president, discusses the state and future of the home building industry during the RMBC opening session.

Chair of the RMBC committee and sponsor Ryan Warren shares with members what’s in store for them while at the conference.

Thanks to the Sponsors and Exhibitors of the 2010 Rocky Mountain Builder Conference!

ExhiBiToRS:1st Mortgages

Alpine Lumber

Anchor Engineering

Barvista Building Systems

Big Sky Insulations R-Control

Blind Corners & Curves

Boise Cascade Building Materials

Bowman Kemp Basement Window Systems

Colorado Chapter of the International Building Code

Fire on Demand

G J Gardner Homes

HomeAid Colorado

MetLife Home Loans

Milgard Manufacturing

NCFI Polyurethanes

Pavestone Company

Pinnacol Assurance

ProHome Colorado

Real Green Building Systems

Reid & Wright, Inc.

SBSA, Inc.

Universal Forest Products

Iron Deck

Willis

RooM kEy SponSoR:

REgiSTRaTion Bag SponSoR:EduCaTion SESSion SponSoR:

waTER BoTTlE SponSoR:

gold SponSoR:

TiTlE SponSoRS:

SilvER SponSoR:

BRonzE SponSoR:

afTER paRTy SponSoR:

food & BEvERagE BooTh SponSoRS:


MeMBer Benefit. whAt does thAt MeAn? It means that as a member, you have access to and receive timely, pertinent and expert information on topics relevant to you and the home building industry from your local HBA. Yes, this is one of those informative pieces that is relevant.

Over the past few years, streamlining, cost cutting and layoffs have been buzz words in our industry. It has been a necessary part of any builder’s survival plan, but it doesn’t have to mean reduction in quality or customer service. ProHome Colorado provides a path for 30 to 60 percent cost savings on any builder’s in-house warranty department. For more than 25 years, ProHome has been reducing build-ers’ overhead by letting them outsource their entire war-ranty management process. In addition to the cost savings, ProHome Colorado — through its proven systems, national footprint, and continual education — helps provide ad-ditional layers of liability protection and increased customer service for its builder clients.

Now I know you’re saying, “I don’t want to lose con-trol,” or “I like that personal touch with my home owner.” Let’s analyze these concerns.

controlYou don’t have control of your home owner. By manag-

ing the warranty process yourself, they see the guy who built it, the guy who took their money and this guy is trying to justify shoddy workmanship. In fact, what they want you to fix is not a warranty item, but homeowner maintenance one. If you enjoy spending your money and time being Mr. Fix-It, please call me directly; I have a honey-do list. If you enjoy being a builder, warranting your product (required by Colorado statute) and not maintain-ing it, also please call me; I can help ease your pain.

personal touchBuilding a home is an effort in people skills. The end

result is a finished home and some sort of relationship with the home owner. Outsourcing your warranty doesn’t mean you have to lose your “relationship.” It just means someone in a shirt and tie who is an expert in this area can say, “No,” to the home owner. And guess what? Home owners are okay with it. What typically happens is you decline a non-warranty item and the home owner begins to vibrate, get mad — or worse — and you end up fixing it, even if it costs you money. The cost of doing business? I don’t think so.

When a ProHome representative meets with home owners, at their request, for one of their post-closing

walkthroughs and we say, “I’m sorry. See here? The warranty manual shows that item is not covered”. The homeowner replies, “Yeah, I know. thought I’d try.”

Now, you as the builder can still fix these items at your discretion. If you do, you will finally actually get credit for going above and beyond, instead of it being a home owner’s expectation.

outsourcing your warranty eases emotional ties with your owners

There is an interesting dynamic that takes place when the warranty process is outsourced. By introducing an outside third party, it places the consumer in an environment where we’re all used to dealing with third parties in everything we buy — except, typically, a home. For example, we go to lunch at a steakhouse. You ask the waitress what is good on the menu. Now unbeknownst to you she is a strict vegetar-ian and has trouble not vomiting when she brings a steak to the table. She replies, “Oh the 12-oz rib eye is fantastic!” Now knowing her background, in her opinion the tofu salad at the restaurant down the street is to die for. You or-der the rib eye because the waitress, an outside third party, just told you what she thinks is the best thing on the menu — and you placed your confidence in her expertise.

When you outsource your warranty to ProHome Colo-rado, you remove the emotional dynamic between you and your new “friend” the home owner. ProHome Colorado, as an outside third party, can put controls on the home owner that they are comfortable with and, believe it or not, they will put controls on themselves when dealing with us that they won’t when dealing with you.

new member benefit: prohome shares contract portion with cahb

This year ProHome Colorado has been endorsed by the CAHB. With that endorsement, ProHome Colorado gives money back to the CAHB to continue its work on the legisla-tive front for our industry. Your industry advocate has placed its confidence in us, as have thousands of builders across the country. Explore your options and check out the benefits.

Bill Armstrong is president of ProHome Colorado, www.ProHomeCO.com. Reach him at [email protected] or 720-232-7189.

new member benefiTS by Bill Armstrong

CaHb adds ProHome’s warranty Program as member benefit

Bill armstrong

www.pinnacol.com

Pinnacol Assurance Thanks the Colorado Association of Home Builders for Your Continued Support and Partnership.

As the provider of the workers’ compensation insurance group dividend plan

for the Colorado Association of Home Builders, Pinnacol Assurance offers

group members customized service, loss prevention and return-to-work

assistance, comprehensive claims management, and access to a statewide

network of medical professionals experienced in treating workplace injuries.

We look forward to meeting your workers’ compensation

insurance needs for years to come.

For more information, please call Jon Lindstrom at

Willis, 303.765.3635 or [email protected].

www.pinnacol.com











www.pinnacol.com











Functional yet fashionable fireplaces that reflect your style and taste

www.homeandhearthoutf it ters .com

The only design-driven gas fireplaces with interchangeable burners and panels.

Truly Traditional, Neo Classical or Ultra Modern.

5 MUrray road, UNiT C-4 edwards, Co 81632 970.569.3916

999 easT evaNs aveNUe deNver, Co 80210 303.722.6698

Date post:	23-Mar-2016
Category:	Documents
Upload:	amie-mayhew
View:	221 times
Download:	0 times

CBF2010 - Winter

Documents