R2R Meeting 15 pdf

SoCal 2007 WildfireRoadmap to Recovery:Fund Control, Special Vendor Offerings, and Acting As Your Own General Contractor

SoCal 2007 WildfireRoadmap to Recovery:Fund Control, Special Vendor Offerings, and Acting As Your Own General ContractorContractorJune 5, 2008Rancho Bernardo Community Presbyterian Church

ContractorJune 5, 2008Rancho Bernardo Community Presbyterian Church

www.unitedpolicyholders.orgKaren [email protected]

The Fine Print…

� The information provided in this program is intended for general educational purposes only. It should not be construed as legal advice.

� The speakers at today’s program are volunteering their � The speakers at today’s program are volunteering their time as educators.

� Neither United Policyholders nor the Rancho Bernardo Community Presbyterian Church endorse or warrant the quality or services of any volunteer speakers.

Mark your calendar for upcoming Roadmap to Recovery meetings…

� Thursday, June 26, 2008:

Post-Disaster Legal Issues Revisited, including overview of current status of Ins. including overview of current status of Ins. Code Sec. 2051.5(c)

Additional Support Resources from United Policyholders to Help You Navigate the Catastrophic Property Loss Recovery Process� Disaster Recovery Mentor Program

Previous catastrophic loss survivors are available to provide emotional support and “real-life” insight about recovering from a catastrophic property loss. For more information, e-mail Karen Reimus at [email protected];

� “Survivor to Survivor” Listserve� “Survivor to Survivor” ListserveA restricted listserve for ‘07 Firestorm Survivors only. It provides a convenient means of sharing valuable information with others who are similarly situated. For more information, e-mail Karen Reimus at [email protected];

� “Ask An Expert” On-line ForumA restricted on-line forum where 2007 Firestorm Survivors can easily obtain answers to disaster recovery-related questions from experts in the field. Forum participants can direct questions to: 1) an attorney, 2) a claims handling professional, or 3) a previous catastrophic loss survivor. For more information, e-mail Emily Cabril at [email protected].

Videos of Roadmap to Recovery Meetings Now Available…� Previous Rancho Bernardo Roadmap to Recovery

meetings may now be viewed as videos at the United Policyholders website

� To view previous meetings, go to � To view previous meetings, go to www.unitedpolicyholders.org. On the homepage, at the top left corner. It says, "'Roadmap to Recovery'

� Watch and listen to live videos". Click on that verbage and you will be directed to a page that lists the previous Roadmap to Recovery meetings

� From there, simply click on the meeting date/topic that you want to view. Download time for the videos varies depending on computer and internet connection

United Policyholders Website

United Policyholders Website

To be updated through June 5th by June 10th

Thank you to the following for making the online video viewing possible…

� Rancho Bernardo Community Presbyterian Church

� Jann Hoff � David Shalinsky� Jan Rasmussen� Fire Recovery Ministry

� TV Magic, Inc.� Stephen Rosen (2003 Cedar Fire Survivor – Scripps Ranch)� Scott Richison

� United Policyholders Staff� Amy Bach, Executive Director� Stefanay Allen, Dragoon Studios

� The Fire Relief Biotech Recovery Fund of the San Diego Regional Disaster Fund

� The California Community Foundation

RBCPC Firestorm Recovery PlanThe mission is simple: To befriend Survivors of Firestorm 2007 and help

restore lives and homes by ministering to physical, emotional, and spiritual needs

Hard Copy R2R Presentations Available On-Line

Click: www.rbcpc.org � Firestorm

� Road to Recovery Series- PDFs

- Powerpoints

Going home one step at a time

Celebrating along the Road Home: Ideas and Encouragement for 2007 Fire Survivors

from Cedar Fire Survivors, United Policyholders, and RBCPC

Invitation to Supper at RBCPCFire Survivors, Supporters, UPC Mentors

� RSVP Preferred

� June 26th, 5:30 – 7 pm

� RSVP to 487-0811, extension 211� RSVP to 487-0811, extension 211

� Leave request for childcare at same time

Muchas GraciasAbraham OrtizGeo OrtizJose Reyes

First American Fund ControlConstruction Disbursements, Jobsite

Inspections

Sherree Jolly

First American Fund Control

Fast

AccurateAccurate

Flexible

Cost Effective

Who We Are…� Independent Third Party Joint-Control Escrow Company, regulated by

California Department of Corporations in business since 1981

� Projects include residential, commercial/industrial, and land development

� Acquired by FAPRS in April, 2007 (formerly California Fund Control)� Acquired by FAPRS in April, 2007 (formerly California Fund Control)

� Handled Fund Control for many 2003 and 2007 fire restoration San Diego fire survivors

Fund Control

� FAFC’s system records job disbursements by cost category on a current basis

� 1) 7 Payments made by FAFC to contractor utilizing � 1) 7 Payments made by FAFC to contractor utilizing a voucher system

or (Alternative System)

� 2) Payments made by FAFC from construction trust accounts directly to subcontractors, suppliers and developers utilizing a voucher system

Jobsite Inspections� FAFC provides inspection services for

all phases of construction � Percent of completion of all phases� Each cost breakdown line item is

scored on a draw systemscored on a draw system� Written narrative and color digital

photographs� 1) 7 Regularly scheduled inspections

or (Alternative system):� 2) Periodic inspections based on

Draw Request or predetermined

Sample Inspection Schedule – 7 Draws

1. Rough grading complete2. Foundation complete 3. Rough framing completed4. Roofing, rough plumbing, electrical, heating, air

conditioning & framing complete5. Interior drywall & exterior lath complete5. Interior drywall & exterior lath complete6. Doors hung; cabinets, interior counter tops

installed7. Final Inspection: Electrical, plumbing, & hard

surface flooring complete; hardscape, landscape, & final cleaning complete; Notice of Completion filed

Fee Schedule

� 1) 7 draws and 7 inspections $1,500 Total

Checks to General Contractor

� 2) Alternative Fund Control/Inspection System:

Checks to subcontractors $1,750 set-up fee Checks to subcontractors $1,750 set-up fee

and suppliers + $1.75/thousand

Inspections $150 each

Example: for $500,000 project:

Fund Control……………. $2,625

7 Inspections@ $150…... $1,050

Total Fees………………... $3,675

How to Set Up a New Job

A new job is easy to set up. Items needed:

1. “New Job Set-Up” Form

You can either use the “New Job Set-Up” form in your packet, or download the same form at

www.firstamfund.com

2. Cost Breakdown

Email: [email protected] or fax:

(866) 536-0177

Questions: Contact Greg Brent

(866) 536-0178 x1598

Welcometo

Welcometo

Charles Camp

ready to assist you with your next project.ready to assist you with your next project.

Offering Builders Fund Controland Financial Services…

Offering Builders Fund Controland Financial Services…

if it’s lumber, hardware, trusses, plumbing,or kitchen design.

if it’s lumber, hardware, trusses, plumbing,or kitchen design.

We Can Estimate Your Project Costs…We Can Estimate Your Project Costs…

a dedicated inside and outside sales staff.a dedicated inside and outside sales staff.

Offering You…Offering You…

we build cut packs and job lot packaging.we build cut packs and job lot packaging.

For Your Convenience…For Your Convenience…

Lumber & PanelLumber & Panel

Products & ServicesProducts & Services

Custom Milling • Cut PacksCustom Milling • Cut Packs

Delivered with Lumber PackageDelivered with Lumber Package

Builders HardwareBuilders Hardware


Showrooms • Installed SolutionsShowrooms • Installed Solutions

WindowsWindows


Doors & TrimDoors & TrimShowrooms • Installed SolutionsShowrooms • Installed Solutions


Showrooms • Installed Solutions • CKDShowrooms • Installed Solutions • CKD

Kitchen & BathKitchen & Bath


Composite • Redwood • HardwoodComposite • Redwood • Hardwood

Deck & PatioDeck & Patio


We would like to extend the following services at no charge to you and your

general contractor.

1. Lumber Take-off

2. Builder hardware Take – off

3. Truss Take – off

4. Door and Window Take – off

5. In-Home Pre-measure: Kitchen and Bath

6. Design Services : Kitchen and Bath

a. Custom Cabinetry Take-off

b. Countertop Take-off

c. Designer Plumbing Fixtures Take-off

d. Designer Door Hardware Take-off

7. For your immediate needs, Dixieline ProBuild is offering 15% off fire clean-up related items at all locations.

8. When you visit a Dixieline ProBuild, ask about our courtesy card and save 10% on thousands of items throughout our store during your project.

Fire Survivor Package Incentives:

If you buy your lumber from us in excess of 20,000 board feet, and then you buy your

millworks through us in excess of $2,500.00, millworks through us in excess of $2,500.00, you are rewarded with a Dixieline Gift Card

valued from $750.00 to $1,500.00.

If you then purchase your cabinetry from us in excess of $2,500.00 (and you have already purchased your lumber and

millworks from us) you are rewarded with millworks from us) you are rewarded with another Dixieline Gift Card valued from

$750.00 to $1,500.00.

Pros and Cons of Being Your Own Contractor…

One Cedar Fire Survivor’s Experience

Ellen DeVincenzoScripps Ranch

What is a General Contractor?

• You may be asking yourself,“What does a general contractor do?”

• oversees all the project details

• hires and schedules subcontractors • hires and schedules subcontractors

• inspects the subcontractors’ work

• orders supplies and oversees their installation

• helps resolve design or logistical issues

Do you have it takes to be your own general contractor?

Consider the following:• Can you make yourself available during the day while

the work is being done?

• Are you comfortable supervising others? • Are you comfortable supervising others?

• Do you have strong problem-solving skills?

• Are you able to juggle multiple tasks?

• Are you willing to educate yourself about the particulars of your building project ?

Advantages

• You control the project completely.

• You decide what materials to put into the home and you and hire and manage the subcontractors. subcontractors.

• You can pick the very best and create a quality home that you know is built correctly

• You can do all of this in your spare time

while working a full time job.

Bottom Line

• In addition to saving money, being your own contractor gives you the flexibility to:

� fine-tune your own designs

� choose your own unique building materials � choose your own unique building materials

� monitor the quality of workmanship

The biggest advantage is having complete control over the project.

Disadvantages

• You may not save any money on materials.

• The professional GC buys at a discount, and then tacks on his overhead and profit margins, so the cost to you is the same as if you buy those materials retail. those materials retail.

• But if you buy the stuff, you have to go get it and haul it back. The tradesman won’t warranty the installation of any materials you purchase for him, and how large is your vehicle?

• You may have a hard time getting the subs to come when you call because you are a one-job wonder.

Disadvantages (con’t)

• If they’re good, they are working pretty regularly for professional general contractors where they can build a relationship and count on future work.

• The risk of miscommunications of your requirements is pretty high because you’ve never run a job, and you’ve never worked with these particular subs before either. So you can plan on having to correct mistakes along the way, and on arguing over who should pay for that too.

• You may not know how to coordinate the work on the site, so there’s a good chance that the subs will have to spend extra time coming and going. They’ll bump up their initial cost estimates, or

Disadvantages (con’t)

coming and going. They’ll bump up their initial cost estimates, or insist on working on a "time and materials" basis, to cover these additional risks, and may cost you more than hiring a good general contractor would.

• Insurance for your subsYour lender may or may not require this type of insurance, but as a self-contractor, the permit purchaser and the property owner, YOU are responsible for any third party injuries that may occur on your property. Without the proper general liability protection, YOU will be held liable if anyone gets injured on the project, including children injured while playing on the job site

Questions to Ask Yourself

– Does your time have value to you?

– How many weekends are you willing to work before you’ll start taking breaks?

– What happens to the rest of your life while you’re spending every weekend working on your house? spending every weekend working on your house?

– Time Constraints:– Be prepared to spend at least 35 hours per week for

probably 5-6 months. This is calculated for an average 1,500 sq. ft. home. If the home is larger, figure accordingly. Does your present employment allow enough flexibility to spend this amount of time away from your job?

Final Thoughts

• It can be done, but it’s not easy.

• Be prepared to spend countless hours on the project

• Have a “mentor” that can help you with the • Have a “mentor” that can help you with the more technical details.

• Is it worth it?

Break Out Sessions

State Farm : Dormer WestFarmers : Skylight West

Allstate : Upper Courtside EastAllstate : Upper Courtside East

USAA: Small room off lobby

Mark your calendar for upcoming Roadmap to Recovery meetings…

� Thursday, June 26, 2008:

Post-Disaster Legal Issues Revisited, including overview of current status of Ins. including overview of current status of Ins. Code Sec. 2051.5(c)

Supper at 5:30 – 7 pmRSVP to 487-0811, extension 211

Leave request for childcare at same time

Business

R2R Meeting 15 pdf