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Rehabilitation Assistance Program Policies REPETITIVE ASSISTANCE Problem Statement Since no formal policy exists, grant assistance has traditionally been awarded on a ‘lifetime basis’, meaning once completed, clients must then seek other sources. Traditionally also, clients have been allowed loan assistance only, when a grant has been awarded in the past. While there are no apparent abuses on the policy recorded, certain cases may exist where loan assistance is not feasible due to extenuating circumstances. Policy Statement A policy shall be established to support the ‘lifetime’ limitations for grant assistance. This shall be a general policy, however, the City reserves the right to extend additional assistance under the following conditions: Grant assistance may not have been received within the past seven (7) year period: Consideration shall be given on a case-by-case basis; Age of the applicant must be over S5years;or physically or mentally handicapped; Applicant must demonstrate a clear financial inability to repay a loan obligation; i.e. fixed income, etc. Amount of repairs must not be excessive; the structure must be economically feasible under normal program standards; All of the above conditions must be met, and the level of assistance shall be limited to those in effect at the time of the review. ASSISTANCE LEVELS Problem Statement The levels of grant and loan assistance have remained constant for a number of years, as $6,500 and $17,450 respectively. The ratio of assistance offered by the program to increased construction costs has restricted the feasibility of assistance to clients, while the rate of housing deterioration continues to accelerate. The current grant assistance limit of $6,500 in many cases, hinders assurance of quality construction for those clients with greater financial handicaps. Further, one method used to compute eligibility (i.e. monthly housing expenses in excess of 25% of gross household income) has not kept pace with comparable programs. The current loan limit of $17,450 is available at interest rates of 3, 5-1/2, or 8% depending upon the client income. Loans are available for clients ineligible for grant assistance or combined with grant assistance when costs exceed grant limits. Some eligible clients cannot be served because their properties need greater repairs than present limitation offer. Policy Statement Tn order to mitigate the adversity of inadequate financial resources, grant and loan assistance levels shall be appropriately increased. Increases in these levels are expected to enhance client services, contractor participation and the City’s long-term commitment to housing preservation. Grants assistance shall be increased to an amount not to exceed $8,000 for eligible recipients. Eligibility criteria shall demonstrate that more than 30% of gross monthly income is being spent towards monthly housing costs. Monthly housing costs are defined as mortgage taxes, insurance, utilities and maintenance. Loan assistance shall be increased to an amount not to exceed $20,000 for eligible recipients. Loan assistance shall be available at interest rates of 3,5-1/2, and 8%, depending upon income, Repayment periods shall be computed to the benefit of the City’s security position and affordability of clients at 5-, 10-, 15-, or 20 years periods. 6 &7~-10 COMPLAINT PROCEDURE Problem Statement No formal complaint, grievance or appeal process has ever been developed in the program. Traditionally, complaints have been handled on case-by-case bases. Some decisions have raised compliance questions, avoided the issues and generally served to quiet the complainants without regard for legal repercussions, public relations or impact on the program. The lack of formal procedure has contributed to poor public perceptions of program administration and merits the following policy statement. A written grievance procedure shall be available for public viewing and be ‘delivered to each program participant upon initiation of case processing. A Review Committee shall be created for formal grievance hearings. This group will be comprised of persons from the CDC and staff. Jts purpose shall be limited to rendering opinions in accordance with established grievance procedure. It shall have the authority to recommend appropriate disposition or that a grievance be forwarded to -the next higher phase of the procedure. Its purpose is not to consider all applications, but rather, review only those that have exhausted remedy through the formal grievance procedure. Staff shall compile all necessary information for presentation and an aggrieved person shall have the opportunity to attend any formal hearing. The procedure will be set into three phases: verbal, written and appeal. All pertinent facts shall be weighed to insure that both the aggrieved party’s and the City’s best interests are protected. GRIEVANCE PROCEDURE In accordance with the objectives of the National Housing Act, the Department of Housing and Urban Development rules and implementing regulations, and the City of Muskegon's Community Development Block Grant Progran, the following policies and procedures are established to resolve disputes related tuo eligibility, processing or other elements of the housing rehabilitation assistance program. Said procedures shail apply to participants involved in active processing for housing rehabilitation assistance. - Each participant shall be provided information about the availability of grievance policies set herein, how to use then, including rights of appeal and the right to be represented by legal counsel, at the participant’s expense. ~ Each participant shall be given the opportunity to make an informal, oral presentation of his/her grievance before filing @ written complaint, if desired. - Each participant shall be provided assistance by City staff in preparing a formal written complaint, if desired. - Each written complaint shall be reviewed by the Department Head or designee, other than the official/employee who made the original determination. - Each aggrieved person shall be given the opportunity to inspect his/her files or records pursuant to his/her clain, except those exempt under the Freedom of Information Act and job cost ~ related documents. - Complete records and documentation pertaining to a written complaint shall be retained by the City and prompt notification shall be given to each aggrieved person of any actions taken. Il. Procedures - Each aggrieved person shall first express a complaint. Staff shall respond within a reasonable time and document the file concerning the nature of the complaint, dates, parties involved and suggested resolution. If no resolution is reached, staff shall assist the aggrieved person with completion of written complaint, if necessary. - All written complaints must be on forms provided by staff and must specifically identify the nature of the problem, dates and factual background. Upon completion, staff shall present the written complaint to the Department Head or designee. Said person shall resolve the complaint after allowing for consultation with the aggrieved person and staff involved. If no solution is reached, the aggrieved person may appeal. ~ An appeal may be made to a committee of the City’s Citizens District Council. Said committee shall review the complaint history and make recommendations for alternative administrative remedy on whether the complaints merit further action. Following reasonable notice of hearing to all interested parties and after hearing, the CDC shall (1) concur in the proposed resolution submitted by City staff, or (2) recommend to staff any alternate resolution to the complaint. Under no circumstances shall the committee have authority to implement or change policy administration by City Staff. - Any person not satisfied with the City’s determination after a formal appeal is conducted. in accordance with established grievance procedures, may make a request to the HUD Area Office serving this community for a HUD Review of his appeal. The determination made by HUD will be communicated to the City and to the complainant in writing. Ai dapti 1-27-&7 S7-19 «& APPLICABLE CODE STANDARDS _KGROUND Municipal Code Standards are established to provide reasonable protection of health, safety and welfare in buildings used for human habitation. These Code Standards are defined in three ordinances, namely, the Housing Code, the Piumbing Code and the Electrical Code. The Rehab Program has traditionally provided assistance beyond these categories, under what are referred to as “Rehab Standards". Generally speaking, these standards are what makes the program a "substantial rehab” program as distinct from “minimum code" programs. Won-code work items are often included, but in determining economic feasibility, Code requirements are not sacrificed. PROBLEM STATEMENT Written Rehab Standards are of paramount importance to successful rehab ygrams. The absence of these standards of reference creates confusion for all parties including rehab staff, contractors, inspectors and clients. The Muskegon program has operated under the premise that the formal Housing, Plumbing and Electrical Codes are the mandate. However, as various complaints over time have shown, written standards specific to the rehab program are a grave necessity that must be addressed. OPTIONS/RECOMMENDATIONS The adoption of a firm Code standard to be applied to rehab inspections wil] help to define priorities in the writeup and the appropriateness of items. Further, such action wil) aid contractors, inspectors, clients and staff in determining the basis for decision evolving from disputes, etc. The adoption of City's Ordinance entitled “Article V Housing Code" provides by the “ne foundation for “substantial rehab". The standards outlined ( - ~2~ “dinance establish minimum standards for interior and exterior structural needs. In addition, a standard policy has been developed to address areas not contained in the City’s Ordinance. This policy (copy attached) should be construed as an addendum to the Ordinance, in that it provides an overview of certain requirements by MSHDA or existing CDBG standards which are not necessarily a local Code Requirement. IMPACT/SUMMARY Tne adoption of the City's Ordinance and policy addendum as offical Rehab Standards will formalize what have been operating guidelines for the program. These points of reference will firmly establish mandated compliance objectives for all parties involved in the program and thereby eliminate or reduce uncertainties and confusion. STANDARD AND PROCEDURE POLICY FOR MECHANICAL INSPECTIONS ON MSHDA, CDBG, AND GRANTS . CITY OF MUSKEGON A. ELECTRICAL — If, at the time of on-s ite inspection, the Elecir,trical Inspector 1. in good repa and the 60 amp entrance is volt determines that the not total connected loan does exceed 11,000 amp, or appr oxim atel y 50 any major electrical inappl ianc es (ran ge, amp, and if there arethe not service entrance may rema at the pres 60 ent dryer, water heater), ired number of circuits for the dwelling, amp size. To acqu ire the requ to a new 12 or 16 circuit panel with a the changing of the old fuse box 60 amp main brea ker will suffice. If ali the above cannot be met, then be required. a new 100 amp service will- rooms. Ground Fault Interruptor receptacles will be required in all bath Smoke detectors will be hard wired. , if there is only one As in the Housing Codeting light fixture in the exis laundry area on the new laundry circuit, and only one outlet, this will not require a new20 20ampamplaun dry circuit. If thes e requirements cannot be met, then a laundry circuit must be installed. Flourescent light fixt ures will be required in kitchens and bathirs uniess, in the case of a grant, the present fixtures are in good repa (complete) and safe operating condition. . All other wiring shall conform to Section 4-65 of the Housing Code B. PLUMBING If, at the time of toinspection, the Plumbing Inspector can determineme i. that the water flow more if the syst than one fixture is low, ifor the materials, or leaking has bandages, rusty aced pipes, or system has been partially repl ,onethen the entire system shou ld be replaced. Low water pressure to all wate r fixture does not meani.e. bibb, wash piping is et or valve; It could be in the fauc ly er, or bad. tube. sediment in the valve body or supp ctive, in bad repair, determined to be defethe or If the sewer systemor ismore restricted, then buil ding sewe r syst em appears to be 40% aced totally. shall also be repl . All other plumbing shall conform to the Housing Code STRUCTURAL 1. The roof shal l be in good repair. Any evidence of leakage would justify replacment.. l be in excs.ellent and repair. Stormsof the All. doors and bewinreqdowuirs edshal for all window is If the windowonly a storm screens shal] 2. non~opening type,. and not required to be ope nab le, then shall be required -2- All other structural items shal] meet the requirements set forth in the Housing Code. ENERGY. 1, For MSHDA - assisted projects, the insulation requirements set forth by the MSHDA shall pertain. E. INCIPIENT VIOLATIONS For certain high cost items such as furnaces and roof replacement, where the item is deemed an incipient violation solely on the basis of age, and not on the basis of condition or performance, and where inclusion of such item makes the project infeasible or unapprovable by the City, the City May at its discretion eliminate the item from the writeup. GRANTS The requirements for a grant shall be based wholly on the Housing Code, addressing only health and safety problems, and the roof covering to assure that the building is well protected and weather resistant. What are commonly known as "cosmetic" items are not to be included except under the following conditions: (1) Failure to include the item perpetuates a blighting condition; (2) The item is needed for purposes of weather resistance or to eliminate unsanitary or unsafe conditions. It should be noted, however, that often a good cleaning and some repair would fulfill requirements of the Housing Code and significantly decrease project costs. e7-17 2@ Basic eligibility for participation in CDBG rehab programs is generally left to the discretion of the local progren, with primary focus (in Muskegon’s cease) on benefit to low-mod income persons and elimination of blighting influences in targeted neighborhoods. This is, of course, based upon the national objectives of the Block Grant program. The City reviews eligibility from the standpoint of both the applicant and the property. Programs ere evailable both for the owner-occupant and the investor—owner. The latter, however, is most likely to be served by one or more of the NSHDA-adwinistered prograns, where eligibility criteria are not within the purview of the City. Considerable local discretion does exist for the regular CD homeownership program, and that is the focus of this policy review. Preliminary eligibility hes for years been established on the basis of a) ownership and occupancy for one year prior to project approval; b) property insurance in force; c) no delinquent taxes or water bills; d) conformance with local soning. Loans or grants can be made to individuals or families. Once basic eligibility is established, the primary concern is household income household members) from the standpoint of a) (all eligibility for assistance; and b) ability to undertake any loan obligations required to ensure that the property is brought up to code. Applicants are screened through a verification process to determine the source and amount of monthly income, housing expenses such as mortgage, taxes, insurance and utilities, and credit history, etc. Theoretically, the City could also include consideration of liquid sssets in its review, although this is not routine. Tfraditionslly, if an applicant’s income has fallen below 80% of the aren median income, that applicant automatically qualifies for e grant. If income is higher than 80% (the benchmark for “low and moderate income"), an applicant could still qualify for @ grant if housing expenses exceed 25% of monthly income. Finally, if in the course of loan packaging it becomes clear that rehab loan payments will cause an increase in monthly housing expenzes beyond the 25% mark, grant assistance has been given to the extent necessary to bring those monthly expenses below the 25% cap. Problems with the current policy are as follows. First, the City has relied upon outdated income statistics in screening applicants. This is easily remedied through adoption cof Section 8 income Suidelines for the Muskegon Area. Second, no upper limit on incomes has ever been imposed for either straight loans or houscholds qualifying for a grant on the basis of monthly housing expenses. Finally, the 25% benchmark has not kept pace with increases in other housing assistance programs or with conventional mortgage lending practices. Thirty percent is probably more realistic. Based upon revised housebold income limits (attached) four tiers or eligibility are proposed, as follows: 1) Very __Low Income: Straight Processing of Grants. These households, falling roughly into the "50% of area median income" group, qualify automatically for a grant of up to $8,000, assuming other eligibility requirements are met. 2) Low__Income:____3%_Loan/Adjusted Processing of Grants. These households heve incomes equating to 50-80% of the srea sedian. If their monthly housing expenses exceed 30% of their income, they would qualify automatically for a grant. rd monthly rehab payments on a 3% loan produces housing expenses in excess of 30% of income, they would become eligible for oe grant in an amount sufficient to reduce monthly housing expenses to the 30% cap. 3) Below Median Income: __5_1/2%_Loan. Households at or below the median income (80-100% of median) would generally qualify for a 5 1/2% loan if other criteria are met. 4) Above Median Income: 8% Loan. Households earning 100-120% of the median income would qualify for an 8% loan, if they can provide two letters of rejection from local banks. Rejection must be related to the property offered as security, and not to such factors as credit history. Loan applications are reviewed not only for the applicants’ ability to repay, but also for the City’s security in the loan. The latter relates closely to the question of property eligibility, discussed below. There sre numerous guestions tangentially related to the property proposed for rehabilitation. These include whether or not there ia clear title and adequate insurance, whether use of the property conforms to local rzoning, as well as whether the cost of required repairs can be accommodated by the Program through a grant, loan or combination. Apart from these tangential issues is the central question of whether rehabilitation of the structure makes good economic sense. Where e loan is being considered, the cost of rehabilitation is excessive if total indebtedness exceeds the market value of the property after rehab. fhe City would have inadequate security for its loan, and the property owner would be making an investment of dubious value. Even where collateral is not a factor, rehab assistance should be considered a public investment requiring an economic return. In theory, units are considered unsuitable for rehab (and candidates for clearance), if the cost of reheb exceeds 75% of the market value of the property. In fact, however, the City sometimes does extend assistance under those circumstances. Structurally sound housing unit is extremely costly to replace. Muskegon’s housing units have an unusually low sarket value in relation to replacement costs, and in many cases a 75% cap accommodates only a small amount of repair. However, most often a practical limit is placed on assistance through grant limits and the ability of the property owner to take on debt. 0g2‘02 og9‘2l y ose‘ ce oo‘ Sz 0oz‘9t oo1' ol z oS2' vz 00z'02 "INVUD TARGET ABEAS S7-/79 & fhe benefits of targeting housing rehabilitation occur at three levels. (1) targeting demonstrates compliance with the intent of federal. law; (2) target areas support local planning objectives; (3) by concentrating public investment at the neighborhood level, the individual property owners are protected. From the standpoint of the federal legislation, the drawing of target area boundaries can demonstrate a locnlity’s commitment to the principle objective of the Block Grant Program: service to people of low and moderate income. In the City of Muskegon, the "Block Grant Neighborhoods" are those with the highest percentage of lower incorne people - over 650% in all cases, and as high as 75%. These are also the neighborhoods with the highest percentages of minorities and female-headed households - ae factor which HUD also considers in its review of the progras. The second principle objective is the elimination of slums and blight. If housing rehabilitation is to. serve this objective, some sort of delineation of those areas must also occur. While Federal regulations do not prohibit Citywide, or "spot" rehabilitation, each instance of assistance must meet one of the national objectives. Compliance could be demonstrated on the basis of the lower income status of the applicants being assisted, or the fact that the housing unit is substandard. However, to date, the City has chosen to concentrate rehab activity for reasons discussed below. From the time the City embarked on its Rehabilitation Assistance Progras, it has been used to support local land use and development objectives. Those objectives are expressed in the local zoning erdinance, which defines which neighborhoods ere to be preserved for single femily use. Residentiel structures which do not conform to local xzoning are not eligible for rehab. At the outset of: the Progran, Community Development objectives were also set out in the Keighborhood Development Plan which first defined target areas for concentrated activities. Although HUD no longer requires an NDP, the concept is still an underlying principle of the CD Program. Wot only is neighborhood housing stock to be improved, but infrastructure as well. . More recently, the City’s land use and development objectives heave been in the Citywide Master Plan and proposed elaborated upon zoning ordinance, as well as the 1982 Housing Policy. The proposed zoning ordinance would encourage the conversion of many current R-2 neighborhoods back to k&-1, or single-family. fhe City has tried wherever possible to discourage the use of rehab funds to support higher densities. Neighborhoods most affected are Nims, Froebel and McLaughlin. The Housing Policy presented apn analysis of neighborhood trends over the tumultuous decade from 1970 to 1980. The neighborhoods perceived as having the greatest need for housing rehabilitation were Angell, McLaughlin, Nelson and Nims. Rental rehabilitation is a pressing need in Angell, NcLeughlin and Nelson. Of equal or greaterhowever, is the need for code importance, enforcement not only in conjunction with rental rebabilitation efforts but also in stable but older neighborboods such as East Muskegon, Nims and Lakeside. The concept of linking code enforcement with rehabilitation strategies, proposed in the Housing Policy, has never been fully implemented. The effectiveness of the Rehabilitation Assistence Program in addressing neighborhood deterioration can be limited by a number of factors. Participation is at the discretion of the property owner. Sometines§ substantial investment in a property does not make good econonic sense, or the owner cannot afford a loan necessary to bring the unit into compliance. In still other cases the City is confronted with the question of whether to extend assistance a second time. In time, then, the City may find it appropriate to scale back or otherwise alter the Program, perhaps by making assistance available Citywide for eligible properties. Decisions of this order should be based upon a careful analysis of program impact at the neighborhood level, and an assessment of continuing public interest. Until that time, the current target area Concept seems a workable one. Targeting Policies 1) The designation of rehabilitation targ et arenas as well as program administration itself will, to the extent possible, support the City’s planning and development objectives, as expressed in the Master Plan, the roning ordinance, and the Housing Policy. Specifically, a) Prograz expenditures will not be used to support perpetuation of nonconforming uses; b) Rental rehabilitation assistance will be used judiciously to elizinate blighting influences and expand housing opportunities for low and moderate income households. Care will be taken not to undermine the stability of peighborhoods characterized by owner occupancy. 2) Target areas will be defined at three yesr intervals, in conjunction with preparation for submission of the Grantee Performance Report. 3) Target aress will not be changed until the objective of visible impact within the neighborhood has been achieved, and/or there has been a marked decrease in the interest level in the prograr. 4) Within defined target areas, the program approach will be s, tailored to neighborhood conditions. Deteriorated neighborhood ctures, i.e., those with «a high percentage of substandard stru on, will be targeted for a combination of substential rehabilitati clearance, and code enforcement directed at blighting influences. Those neighborhoods experiencing destabilization of housing values, due to deferred maintenance or isolated instances ‘ of blight, will be treated with code enforcement and spot rehabilitation. the 4) The Rehabilitation Assistance program will be supported to to extent feasible by infrastructure improvements necessary stimulate neighborhood reinvestment. B7-179 & PRIORITY WORK CATEGORIES BACKGROUND ; The need for prioritizing rehab work item s parallels the need for written Standards. _ Such priorities and objectives have been debated for many years and have been, for the most Part , the center of many complaints. PROBLEM STATEMENT Debates over work priorities have rise n from clients, staff and inspectors and resulted in many disagreements over what can vs. cannot be addressed by rehab, required Code items vs. cosmetic work, etc. While mechanical items (plumbing, electrical and heating) are consistently mandated for rehab assistance, other areas are in need of formal definition. These areas include roofs, storm/screens, cabinets, panelling vs. painting, etc. with the proposed adoption of the City's Housing Code for rehab, many of these areas will be addressed; however, firm priorities must be developed and consistently applied. No specific policy exists at this time; most areas addressed -are matters of staff judgement and client endorsement. OPTIONS /RECOMMENDATIONS An orderly method for identifying rehab priorities must be established. Generally speaking, this may occur in two phases: 1. General priorities address very basic concerns about housing preservation and other objectives of the program. A) Health 2 Safety/Code - Deals with plumbing, electr ical, heating and Structural defects which may pose immediate hazards to occupants. B) Visual Impact/Energy Conservation - Measures the visual impact of the blighting influence upon surrounding properties and/or the neighborhood in general. This may be characterized as broken -2- ances of a door/windows, collapsing porches or other general appear uct ure . Ene rgy con ser vat ion mea sur es are tho se dea ling with the str ent nee d for sto rm win dow s/d oor s, roo fin g, ins ula tio n, etc. An urg sho uld be mad e to mak e the bui ldi ng ene rgy -ef fic ient. An effort riteup. energy audit may be required at the time of inspection/w h the Fac ail iti es ~ Bat h and kit che n fac ili tie s dea ls wit C) Interior aus e both ade qua cy of the se two are as as pri ori ty, bec condition and have a direct impact on the health and welfare of theersocc upants. Specific priorities have been developed for use and und tanding of which ms are nec ess ary and whi ch are sup erf ici al. Specific reh ab ite ons are ran ked bel ow and a cor rec tio n Cod e fol low s. Att ached is designati designation. a listing of common work items used and their proposed pli ance with y app lie s to ite ms tha t are req uir ed to ach iev e com A) Primar sing. This Jocal Codes, i.e., electrical, heating, plumbingexporectedhou to increase designation may also apply to items which are addition, ici enc y, “by acc ept ed con ser vat ion sta nda rds . In energy eff con sidered. of ite ms in ter ms of nei ghb orh ood imp act wil l be the value on pro perty whi ch hav e @ not ice abl e ben efi cia l imp act Those items , wil l be and whi ch ten d to enc our age rei nve stm ent appearance, considered priorities. Pri mar y /Op tio nal des ign ati on app lie s to ite ms tha t are primary when B) cor rec tive action the con dit ion of the exi sti ng ite m is def ect ive and ary . The se ite ms are con sid ere d opt ion al whe n the condition is necess action will of the existing item ig reasonably good and corrective extend its usefulness only. -3- C) Optional designation applie s to items which are not primary but which hevertheless enhance the livability of a structure. These items may be addressed according to the rate of deterioration, tho not at the expense of the primar y objecti ves, nor for cosmetic purposes only. CORRECTION CODE A. Install new applies to the need for installation of new materials, of acceptable quality to correct an existing defect. B. Repair applies to ‘the need to restore, refurbish or repair existing deteriorated materials and/or defects. Cc. Replace applies to the need to replace existing deteriora ted materials with the same or better type and quality materi als. D. Remove applies to the existenc e of a defect or condition tha t must be removed; no other action is necessary, IMPACT/SUMMARY It is expected that upon the establishment of firm, consistent and fair policy, debates over rehab Standards vs. cosmetic work will be minimized, if not eliminated, Further, the formulation of priority work items will clearly State the program's intent as health, safety and housing preservation, as Opposed to cosmetic redecorating. PRIMARY EXTERIOR I. Interior A. Masonry A. Structure sidewalk ceiling structure driveway wal] structure-bearing exterior flooring-masonry wall structure-partition masonry walls floor structure foundation trim structure ‘chimney step structure footings railing structure exterior steps-masonry closet wall structure beams & supports B. Carpentry door door frame ext. decking wood door hardware - deck superstructure-wood hardware misc. ext. steps-wood ext. railings & supports Il. Code ext. trim ext. cornices A. Electrical-Rough ext moulding ext. ceiling new service window complete wiring 1 window sash outlets window screen switches window-basement window hardware Piumbing-Rough window glass ext. door complete gas service lines ext. door screens water service lines ext. door hardware water tap rodent screen opening water meter drain lines C. Roofing water lines vent lines roof structure hot water heat lines roof sheathing gas lines roof covering radiators flashing-valleys/ridge toilet bend flashing-roof openings flashing roof edge C. Heating D. Insulation hot water boiler gas~forced boiler sidewall gas gravity ceiling electrical panels crawl space gas space heaters heating duct . elec. space heaters water systems IV. Environmental exterminate roaches exterminate termites exterminate rodents rubbish/gargage storate unit PRIMARY /OPTIONAL - Interior - paint steps ~ paint railing A. Structure-Pre-Finish - paint closet . - paint cabinet - plaster ceiling - paint shelving - plaster walls - waterproof floor cover - plaster closet ~ waterproof step cover - drywall ceiling - sand floor & finish - drywall ceiling ~ sand steps & finish ~ recover ceiling - recover walls B. Features Be Electrical-Finish ~ cabinets upper - ceiling fixtures . ~ cabinets lower - wall fixtures - panel walls - bath fixtures ~ fabric floor cover ~ outside fixtures - fabric step cover ~ appliance > sink top covering ~ utility fans C. Piumbing Finish - water heater - kitchen sink - lavatory - toilet ~ tub OPTIONAL . Exterior A, Siding exterior siding B. Exterior Paint ext. paint openings ext. paint trim ext. paint sidewalls - ext. paint masonry - ext. paint ceilings & decks Interior A. Structure-Finish - paint ceiling - paint walls - paint trim
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