ROOFING FLORIDA - December 2014

A Publication of the FRSA ◆ Florida’s Association of Roofing Professionals

DECEMBER 2014

R-38, Bingo!

Election 2014 Recap

Differing Job Site Conditions (Pt II of III)

Photography Tips for Residential Roofing Contractors

Understanding Your Employees’ Perception: Individual Subsidies and Employer Penalties

Code Changes and Sealed or Unsealed?

Sunniland: An Old FRSA Friend

What is a “Certificate of Insurance?”

For display advertising inquiries and all feedback including Letters to the Editor and reprint permission requests (please include your full name, city and state) contact Christopher Homer at:

[email protected] (800) 767-3772 ext. 127RFM, PO Box 4850 Winter Park, FL 32793-4850View media kit at: www.floridaroof.com/roofing-florida-magazine

A Publication of the FRSA ◆ Florida’s Association of Roofing Professionals

FRSA Executive Director, Lisa Pate, CEM ◆ Editor, Christopher Homer

Any material submitted for publication in ROOFING FLORIDA becomes the property of the publication. Statements of fact and opinion are the responsibility of the author(s) alone and do not imply an opinion or endorsement on the part of the officers or the membership of FRSA. No part of this publication may be reproduced or transmitted in any form or by any means, without permission from the publisher.

www.is.gd/iroofing

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ROOFING FLORIDA (VOL. 5, NO. 12), December 2014, (ISSN 0191-4618) is published monthly by FRSA, 7071 University Boulevard, Winter Park, FL 32792. Application to mail at periodicals postage is pending at Winter Park, FL and additional offices. POSTMASTER: Please send address corrections (form 3579) to ROOFING FLORIDA, PO Box 4850, Winter Park, FL 32793-4850.

R-38 Bingo!

Election 2014 Wrap Up


Sunniland: An Old FRSA Friend

Differing Job Site Conditions(Pt II of III)

What is a “Certificate of Insurance?”


Code Changes and Sealed or Unsealed?

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4 ROOFING Florida December 2014

Burt Logan ◆ President’s Column

In last month’s issue, I stressed the im-portance of family and being thankful for all that you have been given in this life. In this article, I will do the same exact thing, just because it is that time of the year, but I will try to keep it brief. With this being the final col-umn for 2014, it is appropriate for us to lookbackandreflectonthispastyear’sevents. We are a culmination of these events and it should be used as a learn-ing experience to discover how we have gotten where we are. As with any year-end closing, we should all consider those projects, business opportunities, and customers that produced success-ful results. We should also remember the projects, business opportunities, and customers that have produced un-successful results and how we handled those situations. Bill Courtney, a foot-ball coach and successful entrepreneur has said that, “The true measure of a person’s character is how one handles one’s failures, not successes.” I think this holds some validity. We must look at how we have failed, picked our-selves up, and dealt with the situation. Only strong people can overcome and thrive. With that being said, the take away is that you should focus on the big picture, not just on success, not just on failures, but everything together. Since this is the time of year for thanks, it is im-portant to remember that saying thank you does not cost you any money, but it has the potential to make you mon-ey. Imagine receiving a hand-written thank you note from someone you have worked with. Assuming that the job was a successful one; would you want to work with this person again? Would you want to go to that place for busi-ness again? Obviously you would, and it shows the power of thanks. If you want to create an environment of gratitude in your workplace, it must start at the top. Employees needtohear“thankyou”fromthebossfirst.Lettingem-ployeesknowthattheyarevaluedcanaffecttheirlevelofengagement, as well as the loyalty they feel toward you and your company. This can create a more conducive en-vironment for productive work and can ease on-the-job stress. Make sure to praise your employees. Thank them in person, smile, keep eye contact, and add sincerity to your voice. Tell them what they are doing right and why you are so thankful for it. Do not just go through the mo-tions and give them thanks because you do not know what to say. Also, have an end of the year get together; treat your employees. This is the perfect opportunity to show your thanks by highlighting the exemplary acts of

the previous year and praising people’s good work. You could even make a toast highlighting these points. As for this past year, a good course of action is to send your thanks out to those that have helped you; whether it is a colleague, another busi-ness, a publication, and especially your customers. It is easy to send thanks and it is done most simply by a well thought out, personable email. You could go the extra mile and write out thank you cards, which really show your thanks. If you get the opportunity to, say thanks in person. Tell them that you appreciate what they did, the job they did, and how it was such a relief that you had them this year. Another more modern way to give thanks is through social media. Engage users by communicating with their positive reviews, post photos about

work you have done, and even praise other businesses that have worked with you. Just remember to take this time of the year, as everything starts to slow down, to give thanks. I want everybody to close out this year strongly. If you have had a successful year, be thankful for it. If your year was less than stellar, stay strong and persevere. Not every person can be successful every year. Within this past decade, our country has suffered tremendous economicturmoil, but we are now bouncing back. Be resilient and tough, you can make it through this. I want to thank all of you who have helped me this year, especially my family. Thank you. I want to wish all of our members a safe and happy holiday. Have fun, but be responsible. Surround yourself with loved ones and enjoy the time you have with them. Happy Holidays!

[email protected]

Remembering the Year and Saying Thanks

www.floridaroof.com 5

Are you still having issueswith reroofing and the 2010Florida Energy Conservation Code? Is it a nightmare scenario where you’re stuck playing bingo and you keep hearing that mystical number R-38 called out. You keep staringatyourcard,butyoujustcan’tseemtofindthatnumber; however, sitting across the table from you is your inspector and he yells out at the top of his lungs, “BINGO!” Well, good news, not every building will have a playing card that will require R-38. Recently, I’ve had the occasion to assist contrac-tors, design professionals, and inspectors dealing with existing buildings, navigate through the 2010 Florida Energy Conservation Code (FECC). So, I thought it might be helpful to share a few tips that I’ve learned with con-tractors that could be useful when engaged in discussing differencesofopinionwithadesignprofessionalorroof-ing inspector when it comes to code compliant R-values on a commercial reroof project.

Bygone Words of WisdomOver the past 37 years, my father-in-law has passed along some good nuggets of wisdom and fortunately, a few took hold. One was a Native American proverb, “Don’t criticize a man until you have walked a mile in his moccasins.” I’ve found following this premise extremely helpful when in-volved in confrontational situations and found the other party is usually grateful when they realize, through our conversation, that I took time to put myself in their posi-tion. They also value that I, to the best of my ability, tried to see the surrounding circumstances from their view-point. Of course, we didn’t always agree, but at least we were able to understand each other’s ideas and possibly find an acceptable solution. Don’tmake themistake ofassuming the inspector or plan reviewer is aware of the project’s particular conditions and how those conditions are used to achieve required R-values established by the FECC. Remember, you’re not the only contractor they have dealings with on a daily basis. Unfortunately, most building department staffaresuspiciousofroofingcontractorstheyknowandevenmore so of those they don’t know. These guys have prob-ably heard almost every excuse known to man about why and how this was done instead of falling back on the code,productapproval,ormanufacturer’sspecifications.Where I come from isn’t the right response. Treat the in-spectors with respect, hear them out, and always ask for the code reference if there is reason for a work stoppage, or if a code violation citation is issued for future reference. From what I’ve heard, it would seem that there areafew,notunlikesomeroofingcontractors,whoeitherhaven’t received training or were not clear about what train-ing they may have participated in, especially in relation to energy code compliance. It makes one wonder at times

if the building d e p a r t m e n t , or even some roofing con-tractors, own code books and if they do own the books, what decade they were printed in. All kidding aside, I would encour-age roofingcontractors to keep up with the Florida Building Code updates. No matter whether you prefer the paper or elec-tronic version, make sure you have a current copy of the code on hand to refertowithstaff,adesignprofessional,orforguidancewhen on that rare occasion, an installation may be ques-tionedbyaninspector.Lookforgoodtrainingresources,like those associated with and including the FRSA. Asroofingcontractors,weknowalltoowellhowhard it is to keep up with all of the code changes, product approval updates, OSHA guidelines updates, and chang-ing local ordinances. Not all inspectors have access to current roofing system and installation educational op-portunities that would help them with their understanding of roofing system basics. That’s one of the reasons theFRSA provides continuing education classes at no cost for buildingofficials and inspectors. In fact, just before the2014 Convention, the FRSA became an approved Building Code Administrator and Inspectors Board (BCAIB) con-tinuing education provider, which allowed the FRSA to provide BCAIB licensed inspectors who completed the three courses, three continuing education credits towards their licensing requirements. Now back to R-38. The answers you seek can be found in the Members Only section of the FRSA web-site.Thisiswhereyoucanfindthe2010FloridaEnergyConservation Code FRSA Member White Paper. The White Paper was developed to help FRSA members un-derstand the energy conservation codedifferences fromprevious codes, and make the necessary adjustments for compliance with the changes that came with both new constructionandreroofinginthe2010FBC.So,youaskwhen we can expect the next change? Well, I’m glad you

R-38, Bingo!By Mark Zehnal, CPRC, FRSA Director of Technical Services

As roofing contractors, we know all too well how hard it is to keep up with all of the code changes, product approval up-dates, OSHA guidelines updates, and changing local ordinances. Not all inspectors have access to current roofing system and installation educa-tional opportunities that would help them with their understanding of roofing system basics.

Continued on Page 11


Cam Fentriss ◆ FRSA Legislative Counsel

Now that our eyes and ears should be rested and recov-ered from the months of campaign TV ads, billboards, and yard signs, we can recap the election events of Tuesday, November 4, 2014. First, the obvious – Republicans did well, Democrats did not. For Florida, the overall bal-ance of power did not change since the Governor, Cabinet, House of Representatives, and Senate were all Republican or Republican majority before the elec-tions. The only change is that Florida’s House picked up about 6 more Republican members for a super ma-jority of 82 out of its 120 members. It is interesting to note that, the Florida Senate did not change at all – every single member stayed the same, and this made history.

Governor’s Race ThewinforGovernorScottisdefinitelysomethingtocelebrate,butIdoubtanyoneisfeelingenormousconfi-dence because the results were very, very close with only onepercentagepointdifferencebetweenGovernorScott

and former Governor Crist. That’s a difference of about70,000 votes out of nearly 6 million votes. I am sure the campaign and political experts can tell you that this result could have easily been just the opposite if turn out in just a few counties had been the reverse of what it was on Election Day. I understand that Governor Scott’s cam-paign was and remained very focused, right up to the clos-ing bell, and the hard work paidoffwell.

Medicinal Marijuana AmendmentThe opponents did a fan-tastic job of creating doubt about this amendment that was “scheduled” to win big.

It is likely that there are two main reasons for the de-feat: 1) Creation of doubt as to the limitation of the use to “medical” and the ability of the government to control this so long as it was adopted as an amendment to the consti-tution; and 2) The fantastic job of increasing Republican voter turn out. Having said all that, it is important to keep in mind that the measure won 57% of the vote and may well have passed if the language of the amendment had not included some questionable provisions (any of which

is easily fixed nexttime around) – the general idea still has a lot of support among Florida voters.

Legislative leader-ship for 2014-2016 This was essentially known before the elections in that we all expected Florida’s House and Senate to keep Republican ma-jorities. While there can be true contests for top jobs in the House and Senate,

even among legislators of the same political party, we knew that was not going to be the case this time, but beware2016-2018–thatmaybeadifferentstory.Thein-coming Senate President will be Senator Andy Gardiner, R-Orlando, and the incoming House speaker will be Steve Crisafulli, R-Merritt Island.

Impact on our construction-related issuesIt is tempting to think that Florida’s Republican majori-ties and leadership will be very pro-business and that we should see some good results on topics like workers’ com-pensation and reducing government. Instead, we should probably keep our expectations a little lower. Big majori-ties, of either major party, do not always translate into accomplishment of campaign promises about viewpoints important to the voters. They do, however, almost always translate into accomplishment of things important to the politicians. While the Florida political landscape has expe-rienced little to no change, I welcome any thoughts and questions you have – please contact me at [email protected].

Anna Cam Fentriss is an attorney licensed in Florida since 1988 representing clients with legislative and state agency interests. Cam has represented FRSA since 1993, is an Honorary Member of FRSA, recipient of the FRSA President’s Award in 2002 and received the Campanella Award in 2010. She is a member of the Florida Building Commission Special Occupancy Technical Advisory Committee, President of Building A Safer Florida Inc. and past Construction Coalition Chair (1995-1997).

Election 2014 Recap

Big majorities, of either major party, do not al-ways translate into accomplish-ment of campaign promises about viewpoints im-portant to the voters. They do, however, almost always translate into accomplish-ment of things important to the politicians.


Trent Cotney ◆ FRSA Legal Counsel

This is the second part of a three-part article dis-cussing differing site conditions. Last month’sarticlediscusseddifferingsiteconditionclausesin general. This month’s article begins a discus-sionofthetwotypesofdifferingsiteconditionsrecognized by the courts. Case law has developed descriptive names to distinguish between the two types of differingsiteconditions.Theyareknownasei-theraType1oraType2differingsitecondition.Therearesignificantdifferencesbetweenthetwotypes, and contractors would be well served to be familiar with the distinctions, because each type requiresdifferentproof. UnderaType1differingsitecondition,theconditionsactuallyencounteredmustdiffermaterially from what is shown in the contract documents.Morespecifically,torecoverforaType1dif-fering site condition, the claimant must prove that: the existingconditionsdifferfromthoseshowninthecontractdocuments, the conditions must not have been reasonably anticipated, the claimant must have relied on the contract documents, and prompt oral or written notice of the con-dition must have been given to the owner. A popular misconception argued convincingly by ownersisthatforaType1differingsiteconditiontoexist,

the contract documents must make an express or explicit representation of the conditions to be en-countered. This is not what the law requires. In fact, to establishaType1differingsite condition, the “con-tract indications” need not be specific or explicit, butneed only be enough to im-press or lull a reasonable bidder into the belief that the conditions would be different than those actu-ally encountered. An example of how a contractor can be “lulled”

into a belief regarding the conditions to be encountered can be seen in the case Metropolitan Sewage Commission of the County of Milwaukee v. R. W. Construction, Inc., 241 NW2d 371 (Sup. Ct. Wis. 1976). On that project, the contractor determined that extensive dewatering would not be required because the owner’s design speci-fied that the sewerwas tobe installedononlyone sideof an existing street. The Court agreed that the owner’s design reasonably indicated that only partial dewatering

would be necessary, because there was insufficient roomprovided by the owner to al-low the contractor to engage in extensive well pointing. Accordingly, when it was dis-covered during construction that extensive dewatering was required; the Court ruled that the conditions encoun-tered were different thanthose reasonably indicated in the contract documents. An example of a Type I differing site condition inthe roofing context can beseen where a consultant or

engineer makes certain representations regarding the substrate or deck prior to construction in the bid docu-ments.Forexample,thespecificationsmaystatethatthedeck is suitable to receive roofing materials. However,oncetheroofingcontractorremovestheroof,itencoun-tersrottedordeficientdeckingwhichrequiresextensivereplacement. This discovery, in turn, creates extra work which should warrant a change order barring provisions in the contract to the contrary. Next month, I will conclude this discussion of dif-feringsiteconditionswithexamplesofTypeIIdifferingsite conditions.

Trent Cotney is Florida Bar Certified in Construction Law, General Counsel and a director of the Florida Roofing Sheet Metal and Air-Conditioning Contractors Association (FRSA), a director of the West Coast Roofing Contractors Association (WCRCA), and a member of the National Roofing Contractors Association (NRCA), and several other FRSA affiliates.

For more information, contact the author at 813-579-3278 or go to www.trentcotney.com.

Author’s note: The information contained in this article is for general educational information only. This infor-mation does not constitute legal advice, is not intended to constitute legal advice, nor should it be relied upon as legal advice for your specific factual pattern or situation.

Differing Job Site Conditions (Pt II of III)

A popular miscon-ception argued convincingly by own-ers is that for a Type 1 differing site condition to exist, the contract documents must make an express or explicit representation of the conditions to be en-countered. This is not what the law requires.


Photography and videography can be extremely daunt-ing terms to those who have little acumen in technology or the arts. Though, through the dissemination of these tools, people are more comfortable with them because of the advancements in cellphones. This does not mean, that you can shoot a professional looking video or take gallery-selling photos from your phone. This does mean, that one could easily transfer format, from a camera phone to an actualcamerawithalittleamountofeffort. Any residential contractor will tell you that word-of-mouth is a valuable asset in determining how successful your business can be. Another component that can drive clients to your services is great photogra-phy and videography. These two visual components are immensely valuable because they are a manifestation of yourabilities.Thisisespeciallytrueforaroofingcontrac-tor. For example, take a reroof project. You can show the vastdifferencethatyouaremakingjustbytakingabeforeand after photo. You can even do this over the life of your jobs, with the permission from the resident of the domi-cile. You can show how your work handles the test of time, and weather.

N o w , there are a couple of ways to get photog-r a p h y d o n e t h a t s h o w -c a s e s y o u r w o r k . You can e i t h e r h i r e s o m e -one to take the

pictures for you, which is the more expensive route in the long-run, or you could buy a camera and learn how to do it yourself, which has a higher up front cost, but works out to be cheaper. I’ll break down the two, and then break down what you should look for when you start taking your own photos.

Hiring a PhotographerHiring a photographer is like hiring anybody else for a job that they will do for you. You have to hire someone that you think will do the best job that they can do. Now, pho-tography is very subjective, because not everybody has the

same tastes and styles, so you have to narrow your search down. First, you want to look for someone that has a specialty in architectural photography. It would make little sense to hire a photographer who specializes in chil-dren’sportraits;itwouldbelikehiringanelectriciantofixyour plumbing. Once you have found a couple of photog-raphers,lookattheirpricingandwhattheyoffer.Iftheyofferalot,asinshootingtime,amountofshotsyoucankeep, and extra incentives, for a little amount of money, then they are not the ones you want. This is a common sign of a newer photographer and you will probably not get the quality you want for the amount of money you will be paying. This is not a hard, steadfast rule. This is your call;ifyouseequalitythatblowsyoursocksoff,gowiththat selection. After you have selected to a few solid prospects, contact them. Talk to them while looking at their port-folios. Their portfolios should contain a varied style of pictures. If theyhave an architectural-specificportfolio,all of the photographs should not look the same. They should retain a certain look, but every photo should not look exactly like the one before it. You want to look for variety, which is more of a mark of a professional. While talking to them, ask them about previous jobs, how they have handled them, have they done something like this before? Treat this as a job interview of sorts; compare their qualifications to your taste andneeds.While talk-ing to them, ask if they also do videography and/or drone photography. These are less common in the photography specificcommunity,buttheyarestartingtogaintractionand are becoming extremely valuable to have.


Christopher Homer, Editor RFM

When capturing photos, include some action shots for your website.

Branding is an important part of business photog-raphy. Try to capture your logo in some of your photos.


By now, you should be confident in who youshouldbeselecting.Itcanbealengthyprocess,thefirsttime you do it, but I am sure the photographer would wel-come your repeat business if you enjoy the product you are given. Make sure that a contract is signed, and that you have the rights to the images, as far as publishing goes. You should ask to receive a physical copy, a CD or flashdrive,andadigitalcopyofyourimages.Ifyouap-preciated the job done by the photographer, reach out and tell them.Let themknow that youwill possibly requiretheir services again. As far as pricing for the photography is concerned, Icannotgiveyouadefinitivefigure.Thatisdependentonvariable factors: location, time of year, length of job, ser-vicesoffered,andwhoyouarehiring,tonameafew.Icangiveyouaballparkfigurethough;yourminimumshouldbe more than $100 with a maximum close to $600. This is also not a steadfast rule. There are some awesome pho-tographers that you might want that will charge more or less. One thing to consider is that this is just for one job, one time. The photographer might discount you if you have multiple jobs, but it still adds up. If you plan on photographing your projects, for record keeping and for advertising, I would suggest buying your own camera and learning to use it.

Becoming a PhotographerIt is fairly simple to become a photographer, as far as your business is concerned. You are not looking to become an

Ansel Adams, so there is no point on spending money for schooling or buying the top-of-the-line camera and lenses. What you need is a standard DSLR(digitalsingle-lensreflex)kit.Apoint-and-shoot might have a high megapixel count, but a DSLRhas a better build and photo taking qual-ity, so stay away from the point-and-shoots. The DSLR Kit normally includes the camera body,standard focal length lens that is normally an 18-55mm, battery, strap, guide, quick-start guide, and CD’s. Brand new, you are looking at paying between $400 and $600, with the $600 kits hav-ing the ability to shoot HD video. Initially, the up front cost is high, but you will never have to spend that money again. A perfect camera would be a Canon T3i kit, or a Nikon D3100 kit. Now, your approach to shooting your work is to showcase what you have done, or can do, for your customers, or potential customers, respectively. Subjects in your photos have to be neat, your ex-posure has to be correct, and the photo cannot be blurry. These should be the three items you check offyourlistforeveryphotoyoutake.Thiscaneas-ily be done in Full Auto or P mode (Program). This

makes the computer in the camera do all of the work, all you have to do is choose a focus point and click the shutter button.ChecktheLCDtoensurethatyourphototurnedout how you wanted it to and move on to the next one. Resisttheurgetouseflash,naturallightprovidesabet-ter color for this style of photography. This style is a fairly straightforward process, and you should not have to in-vest in any photo-editing software. As far as video is concerned, you want the same thingtocheckoffinthephotographyaspect,butremem-ber, things are not frozen around you. Make sure that everything on the job site is neat and your workers, in-cluding yourself, are abiding by standards and rules, including OSHA. Use your video to give your customers a walkthrough. Explain what they are seeing. Show them theproblemareas,howyouaregoingtofixthem,orhowyouhavefixedthem.Also,doavideowalkthroughbeforeand after the project is done. This will be perfect for all of your prospective clients. As a photographer and videographer, I recom-mend buying and owning your camera equipment. The initial up front payment will be greater, but you will learn new things and not have to keep paying someone. Your photography and videography can adapt to every job you do, increase your online presence through social media and search engine optimization, earn you new clients, and ensure your quality of work. Also, if you have a cam-era, you can update your customers with pictures of their respective projects. This will keep them happy, knowing that work is getting done. If you would like to go above

A before and after side-by-side will show your client the quality of work that you can provide.



asked because the landscape changes again on June 30, 2015, when the 2014 Building Code Fifth Edition takes ef-fect. Get ready to go through the ringer. Brace yourselves for impact. Buckle your seatbelts because it is going to be another bumpy ride through an ever changing and tumul-tuous terrain. R-38! BINGO!

Is Facebook open all the time? Does it provide you with the best and most current news?

Are you a tweeting fool that cannot be sepa-rated from Twitter? Can you express any-thing in 140 characters or less?

Or are you the laid back person watch-ing cat videos on You Tube. Or really, any other video.

We know you are, so why don’t you connect with us?

facebook.com/flroof-or-

twitter.com/flroof-or-

twitter.com/ROOFINGFLORIDA-or-

youtube.com/user/FloridaRoof

Social Media Spotlight

R-38, Bingo!From Page 5


Approved

Another Proof w/ Changes

Approved with Changes

Spelling

Measurements

Colors:

Placement (if applicable)

Please check following

407-865-SIGNFax: 407-889-7370

www.myboltsigns.com

Date:

Designer:

Co:

Estimate #:

Work Order #.

Graphics Design

Banner size: 80” wide x 123” Tall

Sunniland Roofing Supply

19 locations throughout FL

& South GA

5-28-2014

DZ DZ

Sunniland Corp.

Rep:

Sunniland Corp

Mammouth RetractableBanner Size: 80” W x 123”Imprint Area: 78.5” x 99.125”Lead-in: 24”


Let’sbehonest. You and your employees are both as equally con-fused about what options you collectively have in the current health insurance world. Rightfully so… Recently, at an open enrollment meeting for a large employer- over 100 full-time employees- I fully grasped how complicated this complex situation had become. While I was going through the various options available to you and your employees, and the prices asso-ciated with these programs, the individual voices started becoming louder and louder with the same confusion you feel now. So, in the middle of the presentation, I decided to break protocol and try to get a feel for the scattered talking points. Many of the employees, looking at the deductions for purchasing one of the programs, started discussing how they are getting free or heavily subsidized health in-surance through the exchange, and how these programs beingofferedby theiremployerweresomuchmoreex-pensive. What they haven’t found out yet, is that those subsidies and programs are no longer available to them. We sometimes discuss the “unintended conse-quences” of some laws. This is one of them. You see, under The Affordable Care Act (ACA),these employees were eligible for a premium tax credit- a subsidy- to help purchase health insurance through the Exchange Marketplace. They were able to accomplish this becausetheiremployerdidnotofferthemhealthinsurancein the past. To be eligible for subsidies, these employees simply must have had a household income between 100%

and400%oftheFederalPovertyLine(FPL)basedonthetaxpayer’s family size. Now, because their employer is offering themplans that meet the affordability and minimum valuestandards, these subsidies are not available to them, or their dependents. The real tricky part is that the employer did not have any participation in this matter. Starting on January 1st, 2015, the “Pay or Play” provisions under the law come intofulleffect.Underthe“PayorPlay”rules,anapplica-ble large employer with an average of 100- 50 in 2016- or more full-time equivalent employees must offer healthcoveragemeeting certain coverage and affordability re-quirements or be subject to a penalty. Specifically,therearetwodifferentscenariosthattrigger penalties for these employers. First,ifanemployeroffersaplan,butthatplanisnotaf-fordable or does not provide minimum value, the monthly employer penalty is equal to 1/12 of $3,000 for each full-time employee who receives a premium tax credit. Second,anemployernotofferingcoveragetoallof their full-time employees, including their dependents will have a monthly penalty equal to the number of full-time employees, multiplied by 1/12 of $2,000. In 2015, employers with 100 or more full-time employees may re-duce their full-time employee count by 80 instead of 30 when calculating the penalty. So, the employer has no choice but to offer an affordable,minimum value plan.The risk of these penalties is far worse than the cost of offeringahealthprogram.Employer-sponsoredcoverage

isnot consideredaffordable, generally,if the employee’s cost for self-only cov-erage exceeds 9.5% of the employee’s income for the tax year. The employee’s choice, though, is much different and moredifficult, and in a lot of cases, moreexpensive. As a result of this shift, the government determines affordability,not the employer now. To break down all of the minutiae and intricacies, I’ll end our conversation with a quick example: Joe Roofer is making $15.00 an hour, but hasneverbeenofferedhealthinsurancethrough his employer, until now. Lastyear, in 2014, he bought a health insur-ance program through the Exchange Marketplace for himself and his 3 kids, who are in college, and paid a subsi-dized amount of $143.00 monthly for a “Silver” program. This year, he is be-ing offered health insurance from his


Jeffery Moxley, Frank H Furman Inc.



Problems are ever changing in the world of residential roof contracting, and this can cause an immense amount of un-due stress upon contractors and your clients. Sometimes, itishardtoknowsomethingwiththeutmostconfidencebecause it seems as if the rules change with the seasons or a new method of building has been adopted. This does not inspireconfidenceinmany,whileothersseemtoignorethe rules and just keep trucking. That is not advised, it can cost you a lot of time and money, and it is better to be an honest person with your client. Adapting to this changing landscapeisdifficult,butaprofessionalcontractorshouldbe able to navigate it.

Code ChangesTheprimarychangethataresidentialroofingcontractormust look out for is changes in codes. This is the most impactful to you and can completely change how you ap-proach any project that you undertake. One code that changes, and continues to change with advancements in research, materials, and technology, is the Florida Energy Conservation Code (FECC). The FECC changed, and con-tinues to undergo change, in order to make Florida a safer andmoreenergyefficientpartoftheStates.Butwiththesechanges, comes problems. Most of these problems, stem from the changes to the FECC, and manifest themselves in the area of educa-tion. A business, especially a contracting business, needs to be working in order to be successful. A change in the FECC can cause work to slow down, or in some cases, even come to a stop. This may happen because workers need to be reeducated, you have to be reeducated, or you might not have code compliant materials for the current job. This only hurts you, and can limit your route to suc-cess. This is not saying that changes to codes are magically decided overnight, it is normally a formal, months long process; but, jobs can be planned out in advance. You can order your materials months ahead of time, but then the code can change and throw a proverbial monkey wrench into it. Also, a continued education course must be found and taken in order to really understand what has changed. One could buy the revised edition of the FECC, and un-derstand the change from there, or take a course. Both of these options can cost you time and money, some of which you cannot spare. So, it is best to keep an eye on the playingfieldandmakesurethatyouarealwaysaheadofanycodechangesbeforetheygointoeffect.Donotallowyourself to get behind on your work, and in turn, become entangled in code violations.

Sealed or Unsealed Attic? That is the question.Another problem to be wary of is attics: mainly, prob-lems arising from sealed or unsealed attic systems in the Florida climate. The state of Florida experiences some of

the harshest weather in the United States. Hurricanes, rainfall, and harsh sunlight can cause a roof to decay fast-er than in other places. These factors can also cause decay in a poorly insulated attic through trapped moisture and poor ventilation. This is where the sealed vs. unsealed at-tic debate kicks in. Homes have been built for centuries with un-sealed, or ventilated, attics. This ventilation, normally in the form of screened vent holes under the roof eaves, long slot vents under the overhangs, or openings at the gable ends of exterior walls are part of the system that moves air though the attic. This kind of ventilation can keep the house cooler in the hot and humid Florida Summer while also keeping moisture from building up in the attic space. The problem that can lead to attic decay is the hot, humid outside air, coming in to contact with the cold surfaces in the attic. These surfaces are normally the heating, ven-tilating, and air conditioning (HVAC) supply ducts, but can also be the metallic penetrations- nails, screws, or any other fastener- and drywall. This discrepancy in tempera-ture will cause condensation to form, which will lead to rust and decay. Also, an absorption process can and will occur that will warp anything that comes in contact with the condensation. This process is worse on coastal areas ofFlorida,wherethetemperaturefluctuatesandtherearemore penetrating factors: wind, rain, hurricanes. During the summer months, the heat trapped in the ventilated attic space will act upon the central HVAC equipment. If the house’s central HVAC equipment is poorly insulated it will work harder to cool the house because of the trapped heat in the attic warming the unit and duct work. This can be remedied by mak-ing sure there are no leaks in the ducts and checking the insu-lation on the HVAC e q u i p -ment. The ventilated attic system ismore popular and efficient in temperateclimates where humidity is not high and the sun is not as

Code Changes and Sealed or Unsealed?Christopher Homer, RFM Editor

The main difference between a sealed and unsealed attic system is the location of the insula-tion. Photo Courtesy of homeenergysaver.ning.com


brutal. In order to combat the moisture and heat problem of humid climates, the installation of sealed or unventi-latedroofingsystemsbecamemorecommonplace. Besidestheobviousdifferenceofasealedandun-sealed attic system, the sealed attic system uses the house’s central HVAC to cool your attic space. Unlike a vented at-tic space, an unvented attic space’s insulation lies within the underside of the roof instead of on top of the ceiling. Also, all ventilation points are sealed with a foam insula-tor, in order to reduce moisture trapping. The advantage of having a sealed attic is that the temperature of the attic is closer to the temperature of your house, so that con-densation is less likely to form. A negative is the fact that more square footage of the house has to be treated by the air conditioner, making it work a little harder, and using

more electric-ity. This could lead to a longer roof life barring other elements from acting upon it. W h e n contracted on a roofing proj-ect, make sure to consult the h o m e o w n -er about the benefits anddrawbacks of each approach. If they want to keep their venti-lated attic, make sure they are not trying to convert it into a living space, that the attic is sealed around ventila-tion points and sealed off fromthe living space, and that the cur-rent or renewed attic ventilation prevents mois-ture buildup. If you see active moisture, con-densation, or decay in the at-

tic, you should let the homeowner know that their current system is not working and that they may want to consider a move towards installing a sealed attic system. As far as unventilated attics are concerned code wise, you should look to Section 0806.4 of the International Residential Code (IRC), which presents the ways to prevent moisture build-up on the roof in between insulation and roof deck. In order to help relieve yourself from stress, make sure to keep up on your continuing education. You will know about possible changes before they happen and can address those changes months ahead of time. Also, talk to your client. Tell them what you think would be best for theirspecificsituation.Letthemknowtheprosandconsand do the job to the best of your ability. Great work ad-vertises itself.

A vented attic does have its faults and can easily be switched out to a unvented attic. Photo courtesy of homeenergysaver.ning.com


It is said that most businesses fail within their first couple of years. Well,Sunniland, based out of Sanford has sur-vived two World Wars, Prohibition, the Great Depression, and many economic re-cessions. Their wildly successful business has dominated the Florida agricultural landscape for over a century and been a member of the FRSA since the 1970’s. Their perseverance should be noted and studied by businesses looking for a suc-cessful role model. Their story starts in the latter half of the 19th Century.

From Humble BeginningsIn 1878, a man by the name of Sydney O.Chasearrived inSanford,FL.At thistime, Florida was a desolate place. There were no railroads, no paved or gravel roads, and all freight for Central and South Florida moved down the St. Johns River, then over land by a horse team. This land was prisoner territory, uninhabitable and dangerous. In May 1884, Joshua C. Chase joined his brother Sydney in Sanford and the Chase & Company was founded. Chase&Company’sfirstactivitieswerefireinsur-ance and selling fertilizers and other grower’s supplies. The Chase brothers also bought some orange groves and successfully sold their crops. Their operations proved so successful that other orange growers came to them and asked them to help sell their crops. This was the beginning

of Chase & Company’s packing and sell-ing operation, which grew to be their bread and butter for quite a while. Chase & Company grew and became one of the largest organizations of its kind in Central Florida. Sanford was credited with being the largest orange shipping point in Florida before the 1894 freeze. The op-erations weathered several minor freezes, which destroyed part

of the crops, but the two great freezes of December 1894 and February 1895 almost annihilated the Florida Citrus Industry. The shipments from Florida were reduced from over 5,000,000 boxes per annum to less than 150,000 boxes. The economic result of the freeze had a marked effectonChase&Company,forthesourcesofitsrevenue-from packaging, shipping, and marketing, and from the sale of fertilizer and other growers’ supplies- was almost eliminated. Most people were not even able to pay their insurance premiums on their crops. By sheer persever-ance, the strictest economy, and remarkable ingenuity

Sunniland: An Old FRSA FriendChristopher Homer, Editor RFM & Larry Pressley, Director of Marketing Sunniland

Clyde Line Seamer leaving for Jacksonville. Produce moved down the river and was transferred to ocean-going steam-ers for the Northern markets

Sunniland has survived two World Wars, Prohibition, the Great Depression, and many eco-nomic recessions and still remains a successful family business.


in developing new activities, Chase & Company survived. Because of economic conditions in this area, Joshua C. Chase took a position in California with the Earl Fruit Co., and laterwith theUnitedFruitCo. inSt.Louis,acquir-ing experience which proved to be a real value to Chase & Companywhenhereturnedin1904toopenanofficeforthe company in Jacksonville. Just before the turn of the century, William Randolph Harney became a partner in Chase & Company, and he was instrumental in develop-ing much of the vegetable business from the lower east coast. By 1904, the citrus business had developed to such an extent, plus the vegetable business from the lower east coast and the infant celery business in Sanford, that the Jacksonvilleofficeprovedmostexpedient.Thebusinessgrew with the rapidly expanding citrus and vegetable in-dustries, and, in 1914, the Company became incorporated.

Diversifying their StrategyShortly after World War II, the insurance business was sold in order to dedicate more time to the fruit, vegeta-ble, and growers’ supply business. In the late 1920’s, the vegetable operations on the lower east coast were discon-tinued. The rapid population growth was absorbing some ofthefieldsandmanyofthegroves;themostnotableofwhich was Coral Gables. For years, Chase & Company marketed fruit for the Merricks, who were the developers of Coral Gables. Just before 1930, most of the citrus business was dis-posed of; the company retaining only the few groves it owned outright and the packing house in Sanford. For the

next five years, crops from theChase grovesweremar-keted through the Florida Citrus Exchange. From then on, Chase & Company resumed the marketing of citrus. During this period, the vegetable, fertilizer, and growers’ supply business was developing rapidly and extremely profitableunderthedirectionofW.A.Leffler,whojoinedthe company in 1908. Among the many activities, which formanyyearsMr.Lefflerguidedsosuccessfully,wasthatof the wholesale building supplies, which has grown to

Sunniland’s newest sign, to commemorate their century long company, can be seen from either direction of US 17-92 in Longwood, FL.

The Sunniland warehouse was completed in 1984 and is still in use today.


include a presence in more than 16 locations throughout the state of Florida, reaching into southern Georgia. Chase & Company helped pioneer the develop-ment of different vegetables in Florida. First, was theintroduction of sweet corn production during the late 1930’s. The 1940’s saw growth in celery and sugar cane production in Zellwood and Belle Glade. In 1957, Randall Chase became President and served in that capacity until 1965, when he was replaced by S. O. Chase, Jr. Randall Chase continued to be active in the company as a director and member of the Executive Committeeuntilhisdeathin1971.LeeP.Moorejoinedthecompany as a director in 1957, was appointed Executive Vice-President and General Manager in 1965, and elected President in 1975. It was during the 1960’s and 1970’s that more em-phasis was put on increasing the activities of the wholesale building materials and chemical-fertilizer departments. By 1978, vegetable production, citrus production, and sales from these commodities had been phased out almost completely. In September of 1979, the company was purchased byReichold,Ltd.,apublicallyheldCanadiancorporation.The name was changed to Sunniland Corporation and LeeP.Moorecontinuedasthecompany’sPresidentandChiefExecutiveOfficeruntilMarchof1982,whenhepur-chased the company outright. Mr. Moore also served as the Mayor of the City of Sanford from 1969 to 1984.

Movement towards the FutureSince Mr. Moore’s purchase of the company, sales, and profitshavegrownunderhisleadership.Tofurthercon-tinue the familial lineageof Sunniland,Lee’s son,Tom,purchased the company from him in 2006. Since then, Sunniland has kept on expanding. The two operation de-partments, building materials and chemical, have evolved fromthecompany’searlydesiretofulfilltheirownneedsin the farming business. Now these two departments are thelifeofthecompanyandfulfilltheneedsofothercom-panies throughout Florida and the Southeast. Sunnilandreallypersonifies theirslogan,“FromRootstoRoofs.”Theirimpactonthefertilizerandroofingindustry in Florida is massive. While they have remained a family-centric operated business, they have expanded throughout an entire state. Larry Pressley, Director ofMarketing for Sunniland, stressed the value of family withinthebusiness.LarryalsostatedthatSunnilandhashad three generations working at the business, continual-ly delivering positive results. Positive results, which have justledthemtoopenanotherbranchoffice,bringingthetotal up to 19 throughout two states. Larry also stressed the importance of togeth-erness, and how it has made Sunniland such a strong company. In order to encourage strong relationships within its customer base, Sunniland has a 3-day cruise to the Bahamas, each year, when they reach a goal in purchases. Five years ago, when Sunniland launched its cruise promotion, there were only 54 cabins booked. Now in its 6th year, there are almost 300 cabins booked. The

This photo, from 1984, commemorated the 100th anniversary of Sunniland in Florida.


cruise promotion drives home the fact that Sunniland’s familyandcustomersalwayscomefirst. During their 130 years of growing experience, the company has done many things from selling insurance to running trolley cars. Some have done well and prospered, others fared not as well. All things considered, the company has been ever mindful of the integrity of the founders. It is this type of high ideal that has earned the respect of the communities in which the company serves and has created a way of doing business that has become an integral part of the organization since it beginning, more than 130 years ago.

and beyond, you could hire an aerial photographer or you could purchase a drone to take photo and video of your project from the air, but that is another topic for another issue. If you have any photography related questions, feel free to contact me. Also, if would like to advertise or have anyideasforanarticleROOFINGFLORIDAMagazine,[email protected].

Photography Tipsfor Residential

Roofing ContractorsFrom Page 10

employer, due to the penalties his employer would have to pay in the “Pay or Play” provisions. The employer, who is nowofferingaminimumvalueplan,askstheemployeetocontribute 9.5%, or $185 a month, for employee only cov-erage. He also now needs to buy insurance for the 3 kids totaling $600 a month. Going from $143.00 monthly to $785.00 monthly is an astronomical jump for that employee’s budget. I can certainly see why they would be confused, distracted, and upset about the whole thing. Nomatteryourpoliticalopinionoraffiliation,thelaw has some positive points, but at this point we are start-ingtoseetheuglytruthabouthowthiscanadverselyaffectsome of our most valuable assets, our employees.

Understanding Your Employees’ Perception:

Individual Subsidies and Employer PenaltiesFrom Page 13

Save the Date for the Convention!

July 16-18, 2015Hyatt Regency Orlando

Orange County Convention Center


W O R K E R S C O M P L E G A L S V C T AE G A B C E R O S A P P B E N F T O K E KM X A H O S H D N R O O F L O A N S S C SM L P O N E R E R T S E R V I C E A P H SE E T O T A L S N S U P P O R T N EM U P M A R I A S A V I N G S D I MB O E F C C E T H Z A F G H H B C IE E N D T H C A M L Q P U B M E X P L A NR N R A T 8 0 0 - 7 6 7 - 3 7 7 2 J C L AB E N E F I T S C H O L A R S H I P S P RL E G I S L A T I V E S L A R R E F E R SM A R I A @ F L O R I D A R O O F . C O M

• codes • legal svc • member benefits • research • seminars • technical• expo • legislative • referrals • roof loans • scholarships • workers comp

Membership has its Benefits!Not a member of FRSA? Here are just a few of the items you’re missing out on.

♦ RoofingLoanProgramoffered to customersofFRSAmember companiesup to$15,000 for roofingprojects.FRSA Credit Union – a banking facility created by members for members. The Credit Union can compete with any bankinginstitutionforvehicle,equipmentandautoloanratesandoffersonlinebankinganddebitcards.

♦ Human Resources services to advise you on employment issues. ♦ Human Resources booklet providing valuable information for employers. ♦ CAP (Customer Assurance Program) Seals, which indicates your company conforms to all licensing regula- tions, workers’ compensation and liability insurance

♦ AccesstoFRSALibrary,afulllibraryofhands-oneducationforyouremployees ♦ FRSA Training Center available for seminars and hands-on classes ♦ Vendor coupon program that allows you to introduce your company’s products or services to member contractors ♦ 2015 FRSA Membership Directory, your once a year opportunity to market your products and services to the largestgroupofhighly-qualified,professionalroofingandsheetmetalcontractorsintheStateofFlorida.YourcompanywillbeseenbythepeoplemakingthepurchasingdecisionsinoneofthelargestroofingmarketsintheUnited States.

♦ Access to FRSA Self Insurers Fund for workers’ compensation insurance. Over the past year, SIF returned $6 million in dividends to its policy holders. Safety consultants help policy holders establish good safety practices for keeping your workers up to date with safety measures.

Join Today!


ContractorsknowthattheyareoftenrequiredtoprovideaCertificateofInsuranceformunicipalities,othercontrac-tors, and property owners to show that they have secured Workers’ Compensation coverage on their employees, as requiredbyFloridalaw.ButwhatisaCertificateofInsurancereally? ACertificateofInsuranceisadocumentthatsimplyshowsthatworkers’compensationcoveragewasineffectforaparticularcompanyataspecificrangeintime.Itisnotaneverlastingdocument,anddoeshavesomeimportantlimitations that you should be aware of. First, it does not guarantee that coverage will continue to remain in force. For instance, in a situation when aninsuredpersonfailstopaytheirpremiumandissubsequentlycanceled.Theissuerofthecertificate,mostoftenaninsuranceagency,willalsoincludeadisclaimerthattheyhavenoresponsibilitytonotifyyouasacertificateholderthatthe coverage may have been canceled. For coverage provided by a Professional Employer Organization (PEO) to an employer, their client, there is alsoaveryimportantdisclaimerontheirCertificatesofInsurancethatyoushouldbeawareof.TheCertificatewilloftenstipulate that coverage is provided only to “active” employees of the PEO and their client company and “does not ap-ply to statutory employee(s) or independent contractor(s) of the Client Company.” The term “active” employee means that if the PEO’s Client did not report promptly the current wages paid to employees, that the PEO may take a position that an injured employee is not covered by Workers’ Compensation. The disclaimer that they do not cover “statutory employees or independent contractors” is a further weakness in the actual Workers’ Compensation coverage that the PEO supposedly assures. Ifyouhavesub-contractorswhoprovideyouwithCertificatesofInsurance,youshouldunderstandthepoten-tiallimitationsofCertificatesandperiodicallyverifythatpropercoverageiscontinuallyinplace.Ifyouarecoveredbyor use sub-contractors who are covered by a PEO, you should understand the limitations of the evidence of this cover-age and protect yourself accordingly. The best way to do so is to compile a list of currently covered employees of the Client from the PEO for every employee on your job site, and ensure that only those employees are actively working.

What is a “Certificate of Insurance?”Brett Stiegel, FRSA-SIF Administrator

RCASF Endowment PledgeMike Reed, CPA FRSA

With their $2,000 contribution in December, the Roofing Contractors Association of South Florida, RCASF, hascompleted funding their Governor level pledge to the FRSA Foundation Endowment Program. The contribu-tion places RCASF alongside other FRSAAffiliates like theCentralFloridaRoofing and Sheet Metal ContractorsAssociation, CFRSA, and the Southwest Florida and Sarasota-Manatee affili-ates who have also fully funded their Endowment pledges.

The Endowment Program was es-tablished in 2003 and now has over a $1 million invested which provides fund-ing for scholarships, industry research, contractor education and any other pur-pose deemed worthy by the Endowment Board of Governors and Educational Foundation Trustees. The program is

Continued on next page


In Memory of...It is with great sadness that we

announce the passing of Ramona Thompson, wife of FRSA Past President, Life Member and Campanella Awardrecipient, Eddie Thompson (pictured). Ramona passed away on the night of November 23rd, surrounded by her loved ones. A celebration of life will held in January. Condolences can be sent to Eddieat2535SWCR778,Ft.White,FL32038.

intended to provide a steady source of income for both donor-stipulated and undesignated purposes. To that end, over $55,000 has been distrib-uted in college scholarships to an impressive list of students during the last seven years from Endowment earnings.

Now is a perfect time to make a pledge and contribution to the FRSA Endowment. The Educational Foundation is a 501© (3) organiza-tion making donations tax deductible for federal income tax purposes. As you make your year-end tax plans, please keep the FRSA Endowment in mind as a way to lower your taxable income for 2014. For more informa-tion contact FRSA Controller Mike Reed, CPA at (800) 767-3772 ext.167 [email protected].

Interested in Advertising in ROOFING FLORIDA?

Contact Director of Media Services: Christopher Homer | (800) 767-3772 ext. 127 | [email protected]

LEARN CONNECT EXPERIENCE

Official Show Sponsor: Official Show Publication: Official Residential Publication/Digital Destination:

See, Touch and Experience All the Roofing Industry Has to Offer• Expandyourknowledgethroughaselectionof42educationalsessionsdesignedto

increaseproductivity,sharpenyourskillsandhelpyougrowyourbusiness.• AdvanceyourcareerwithCEUsfromFlorida’sDBPR/CILBandRCI,Inc.• GainimmediateROIwithamyriadofcutting-edgeproducts,solidideas,techniques,demonstrations,resourcesandconnections.

• ConnectwithindustrypeersandgainendlessinspirationatspecialeventsincludingtheKeynote,WelcomeParty,CommunityServiceDayandmore.

• MaximizeyourlearningwithclassesandeventsattheNRCAAnnualConvention.

2015 International Roofing Expo®

Exhibits&Conference:February24-26,2015MorialConventionCenter|HallsB-D|NewOrleans,LouisianaUSA800.684.5761|972.536.6415|[email protected]

Register at www.TheRoofingExpo.comto receive FREE Expo Only admission.During the online registration process, enter ADC whenasked to enter a discount code.

Discounts apply to new registrations only. Discounts not applicable to MA or NEM registrations. No refunds issued for pre-existing registrations.

• 1,000+ booths, 450 companies • Product Showcase• Business & Technology Pavilion• Metal Marketplace• Exhibitor Product Clinics• Tool Alley• Rooftop Chatter

IRE15_AD_Conference_8.5x11.indd 1 11/10/14 4:20 PM


LEARN CONNECT EXPERIENCE

Official Show Sponsor: Official Show Publication: Official Residential Publication/Digital Destination:

See, Touch and Experience All the Roofing Industry Has to Offer• Expandyourknowledgethroughaselectionof42educationalsessionsdesignedtoincreaseproductivity,sharpenyourskillsandhelpyougrowyourbusiness.

• AdvanceyourcareerwithCEUsfromFlorida’sDBPR/CILBandRCI,Inc.• GainimmediateROIwithamyriadofcutting-edgeproducts,solidideas,techniques,

demonstrations,resourcesandconnections.• Connectwithindustrypeersandgainendlessinspirationatspecialeventsincludingthe

Keynote,WelcomeParty,CommunityServiceDayandmore.• MaximizeyourlearningwithclassesandeventsattheNRCAAnnualConvention.

2015 International Roofing Expo®

Exhibits&Conference:February24-26,2015MorialConventionCenter|HallsB-D|NewOrleans,LouisianaUSA800.684.5761|972.536.6415|[email protected]

Register at www.TheRoofingExpo.comto receive FREE Expo Only admission.During the online registration process, enter ADC whenasked to enter a discount code.

Discounts apply to new registrations only. Discounts not applicable to MA or NEM registrations. No refunds issued for pre-existing registrations.

• 1,000+ booths, 450 companies • Product Showcase• Business & Technology Pavilion• Metal Marketplace• Exhibitor Product Clinics• Tool Alley• Rooftop Chatter

IRE15_AD_Conference_8.5x11.indd 1 11/10/14 4:20 PM


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ROOFING FLORIDA - December 2014