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JUNE 4, 2026

Meeting held at:
Residential Warranty Co, LLC
5300 Derry Street
Harrisburg, PA 17111

Here’s a true story. The name of the builder has been omitted to preserve privacy.

Years ago we sold a Builders Risk insurance policy to a builder in New Jersey. The project was near the coast. Flood insurance could have been added to the policy, but the premium was a bit stiff given the proximity of the Atlantic and the fact it was still hurricane season. This builder’s project was just getting underway. A foundation had been laid, but not much else was done. It was fairly late in the hurricane season. Now, we all have to make business decisions that often entail risk. Our builder made his decision, which may have been to save the cost of adding flood insurance to the Builders Risk policy. Whatever the reason, it was only a short time later that Superstorm Sandy devasted the East Coast. At the time, it was the second costliest hurricane on record. Our builder had approximately $60,000 worth of materials at the jobsite when the storm hit. It was a total loss. None of it was covered.

There are three ways to deal with risk. One is called avoidance. Don’t build close to the Atlantic Ocean during hurricane season. That’s a simple sounding approach, but hardly practical. The second is assumption of risk. This is the method our builder chose. You may not think this was a conscious decision, but deciding not to insure a risk doesn’t make the risk go away. Of course, the third method is risk transference. We purchase insurance and in exchange for the premium we pay, we transfer the risk to our insurance company.

I hope I’m not insulting anyone’s intelligence with these very simple ideas, but the fact is the risks of flood are seriously underestimated by many. Here are some sobering statistics from the Federal Emergency Management Agency (FEMA):

• Floods are the #1 natural disaster in the US.
• Each year in the US, floods causes billions in losses.
• Just one inch of water can cause severe damage to property.
• Most property insurance, including Builders Risk, does not automatically cover flood losses.
• 30% of all flood insurance claims are made in low to moderate risk areas.
• New construction can increase flood risk, especially if it changes natural runoff paths.
• Only about 5 million Americans have flood insurance. Millions more are either unaware of the their risk or don’t know the options available to them.

Now that you know more about the risk of flood, what about taking a good look at your risk? FEMA has a helpful website: www.floodsmart.gov. Here you can find out if your project is at risk. Then, give us a call at 866-454-2155 x2124 and ask for Allison Jefferies. If you already have Builders Risk with us, she can determine if flood insurance is available. Not insured with us, or looking for Builders Risk? We can help. Visit our website to learn more and to get a quote.

www.rwcinsuranceadvantage.com/products/builders-risk/

The RWC Insurance Advantage (RIA) program is offered exclusively to our builder members. Because of that, we are able to avoid the high risks associated with other
commercial operations. Thus, we keep the cost of claims low and pass the savings on to you.

866-454-2156 or info@rwcinsuranceadvantage.com.

By Doug Davis, EAIC / RWC Insurance Advantage

WHY DOES REMODELING MONTH MATTER?

POSITION YOUR BUSINESS FOR MAXIMUM IMPACT

• “What does a kitchen remodel actually cost in 2026?”
• “How long will my home be disrupted?”
• “Which upgrades give the best ROI?”

• Project timelines
• Unexpected challenges and how you solved them
• Client testimonials that speak to communication and reliability

• Promote limited booking windows
• Offer free consultations or design audits
• Highlight projects that can be completed before fall

• Energy-efficient windows and insulation
• Sustainable materials
• Electrification upgrades (heat pumps, induction cooking)

• Hybrid office/guest rooms
• Finished basements with flexible layouts
• Garage conversions and ADUs

• Curbless showers
• Wider doorways
• First-floor living conversions

MARKETING MOVES THAT ACTUALLY WORK

OPERATIONAL CHECK-IN

• Are your project timelines realistic?
• Is your pricing keeping up with material and labor costs?
• Is your team prepared for increased demand?

At Residential Warranty Company LLC (RWC) and HOME of Texas, protecting homes has always been at the heart of what we do. But building stronger communities goes far beyond service contracts and coverage plans—it’s about showing up, giving back, and investing in the people and neighborhoods we serve. That’s why we are proud to collaborate with HomeAid Houston through one of its most exciting and impactful events of the year: the HomeAid Houston Golf Tournament, to be held this year on April 16 at the Wildcat Golf Club. This partnership represents more than just a sponsorship—it’s a shared commitment to strengthening Texas communities.

A MEANINGFUL COLLABORATION
The HomeAid Houston Golf Tournament brings together industry professionals, local businesses, and community leaders for a day of connection, competition, and purpose. For RWC and HOME, participating in this event is a natural extension of our mission. As a company dedicated to helping homeowners feel secure and supported, aligning with an organization that works tirelessly to uplift communities is both meaningful and inspiring.

Through strategic advertising and event collaboration, we are able to not only increase awareness of our services but also shine a spotlight on the incredible work HomeAid Houston is doing across Texas.

THE GOOD HOMEAID HOUSTON BRINGS TO TEXAS
HomeAid Houston has built a powerful reputation for its commitment to helping vulnerable populations, including individuals experiencing homelessness, and families in need of housing support. By partnering with builders, developers, and community organizations, HomeAid Houston creates opportunities for safe shelter, education, and long-term stability.

Their work doesn’t stop at housing. HomeAid Houston actively invests in programs that promote self-sufficiency, dignity, and hope—helping individuals rebuild their lives and communities grow stronger together. Every initiative is rooted in compassion and driven by the belief that everyone deserves a place to call home.

MORE THAN A GAME OF GOLF
The annual golf tournament is more than just a day on the green—it’s a catalyst for change. Funds raised during the event directly support HomeAid Houston’s outreach programs, making a tangible difference in the lives of countless Texans.

For RWC and HOME, being part of this event means contributing to something bigger. It’s an opportunity to connect with like-minded partners, engage with the community, and reinforce our commitment to service—not just to homeowners, but to humanity.

LOOKING AHEAD
As we continue to grow, Residential Warranty Company LLC remains dedicated to making a positive impact beyond our core business. Our collaboration with HomeAid Houston is just one example of how we strive to combine business success with social responsibility.

Together, we are building more than homes—we are building hope, opportunity, and stronger communities.

The 2026 International Builders’ Show (IBS) in Orlando proved once again why it remains the premier event in the residential construction industry.

This year, 13 members of our team traveled from across the country to represent RWC, HOME, and its affiliates at IBS. With 75,000 attendees at IBS and an impressive 117,000 combined attendees alongside KBIS, the scale and opportunity were undeniable.

Our booth activity was nothing short of electric.

We acquired hundreds of qualified builder leads, driven largely by our new interactive attractions. The debut of our Putt-Putt Plinko game was a true showstopper. It quickly became a sensation on the floor—drawing passersby in to test their luck for a chance to win prizes, including $50 cash on the spot. The generosity caught many attendees by surprise and created an atmosphere of excitement and appreciation.

In addition to daily prizes, we gave away a $1,000 cash prize to a qualified builder lead, which was ultimately won by Kauffman Builders of Indiana. Moments like that created buzz, drove meaningful conversations, and reinforced our brand as both engaging and builder focused.

Attendees visiting the booth also received fun promotional items and the opportunity to join our warranty program with either 50% off or a free discount incentive—a compelling offer that generated strong interest and valuable conversations.

From setup to breakdown, our team operated like a well-oiled machine. Aside from occasionally navigating the maze of a show floor still under construction, execution was seamless. Collaboration, professionalism, and hustle were on full display all week.

It wasn’t all business. One of the highlights of the week was our team dinner, where we celebrated year-end achievements and recognized top performers and 2025 Account Executives of the Year.

2025 Account Executive Awards:

Freddy Pesqueira – 3rd Place

Tiaira Satchell – 2nd Place (her first recognition in this category — a huge accomplishment)

Staci Cool – Account Executive of the Year
Recognized for her consistent production, professionalism, and willingness to go above and beyond the scope of her role.

Celebrating these accomplishments together reinforced the strength of our culture and the talent within our organization.

The IBS House Party brought the team together for drinks, great food, live music, and some very entertaining bull riding — with RWC proudly represented in the action.

Some team members even braved the carnival swing ride soaring several hundred feet in the air, while others formed what can only be described as an Orlando scooter gang, buzzing through the city streets on Electric Lime scooters.

It was the perfect blend of hard work and camaraderie.

IBS 2026 was both fun and highly productive. The connections made, the qualified leads generated, and the brand presence established will undoubtedly translate into meaningful new business for RWC in the months ahead.

Just as importantly, the experience strengthened our team and reinforced the culture that drives our success.

Next stop: Las Vegas for IBS 2027.

By: Rich McPhee, National Sales Manager

In an era where design trends are relentlessly future-focused, it’s easy to overlook the charm and character found in older homes. Many traditional design elements tell the story of a space—adding warmth, history, and personality that new builds often lack. Rather than phasing these details out, thoughtfully embracing them allows timeless features to shine for generations to come. Here are several heirloom elements worth preserving and reimagining.

Coffered Ceilings

Coffered ceilings are an ornate architectural detail that instantly elevates the look and feel of a room. By adding depth and dimension overhead, they bring visual interest and character to an often-overlooked surface. While traditional designs typically feature an all-white palette, leaving beams in a natural wood finish or painting within the panels opens the door to endless design possibilities.

Glass Doorknobs

Glass doorknobs became common across the United States after the start of World War I, when metals traditionally used for hardware were redirected to support the war effort. Beyond their historical significance, glass doorknobs are both beautiful and surprisingly durable—making them a distinctive detail that blends form and function.

Antique Mirrors

Mixing antique pieces with modern design elements creates striking visual contrast. An antique mirror paired with contemporary furnishings, for example, can become a focal point that adds depth, elegance, and a sense of history to the space.

Archways

A hallmark of older homes, archways provide a graceful transition between rooms. By softening sharp corners, they introduce a classic charm that feels both welcoming and refined. While many modern homes rely on square door frames, incorporating an archway instantly sets a space apart.

Transom Windows

Transom windows are positioned above doors or windows to encourage natural light and airflow throughout a home. In addition to their practical benefits, they serve as beautiful architectural accents that enhance the overall design.

Antique Light Fixtures

Introducing an antique light fixture—such as a pendant or chandelier—into a contemporary room adds instant character. These statement pieces often bring a touch of Art Deco glamour and serve as eye-catching conversation starters.

Dutch Doors

Originally developed in the Netherlands, Dutch doors were designed to keep children indoors and animals out while allowing fresh air to circulate. Today, their split design remains both charming and functional, offering a unique and welcoming entry point.

Pocket Doors

Pocket doors are a space-saving solution that slides neatly into the wall rather than swinging open. Common in older homes, they’re especially practical in tight spaces while maintaining a clean, streamlined look.

Mosaic Tile

Mosaic tile is a beautiful way to nod to classic design while embracing modern style. When paired with contemporary cabinetry or updated color palettes, it adds texture and elegance without feeling dated.

Doorknockers

Before doorbells, guests announced their arrival with a doorknocker. These decorative elements come in a wide range of shapes, sizes, and designs, making them an easy way to add personality and curb appeal to your front door.

Butler’s Pantry

Traditionally used to store valuable serving pieces such as silverware and china, butler’s pantries were once secured spaces overseen by household staff. Today, they’ve evolved into multifunctional areas often featuring additional storage, cocktail stations, and prep sinks—blending old-world luxury with modern convenience.

Built-In Bookshelves

Built-in bookshelves add instant charm while maximizing storage. Whether displaying books, decorative objects, or personal keepsakes, they bring both beauty and practicality to living spaces.

Wainscoting

Originally designed to protect walls from scuffs and dirt, wainscoting has become a timeless decorative feature. Available in a variety of styles and patterns, it adds texture, depth, and elegance to any room.

Wood-Burning Fireplaces

Before the advent of central heating, fireplaces were essential for warmth. Today, a wood-burning fireplace remains both functional and atmospheric, offering a cozy ambiance—and a nostalgic aroma many homeowners love.

Stained Glass Windows

Stained glass windows were a staple in many older homes and continue to be breathtaking design elements. They infuse spaces with color, light, and a strong sense of history, making them a stunning addition even in modern builds.

Clawfoot Tubs

Clawfoot tubs are a beloved bathroom feature known for their timeless appeal. Often crafted from cast iron, they’re built to last and add undeniable character. For a modern twist, consider painting the exterior in a bold or unexpected hue that complements your style.

A new year is the perfect excuse to refresh more than just your routine. In 2026, why not make your home part of your New Year’s resolutions? Small, thoughtful upgrades can make a big difference in how your space feels—and how you feel living in it.

January: Build a home gym

Skip the commute and make workouts easier by turning an unused room into a simple home gym. A mirror, rubber flooring, a fan, and a TV for workout videos go a long way—and can save serious money on gym memberships.

February: Upgrade your windows

Cold months are ideal for replacing drafty windows. Energy-efficient options keep your home warmer, lower energy bills, and add resale value.

March: Declutter and spring clean

Less stuff = less stress. Tackle one room at a time, donate what you don’t use, and enjoy a cleaner, healthier, more productive home.

April: Add a three-season room

A sunroom or screened-in space gives you more room to relax and enjoy the outdoors—without committing to a full addition.

May: Organize home records

Gather warranties, manuals, and renovation receipts in one place. It’ll save time, money, and headaches later—especially if you sell. (And remember – your RWC warranty stays with your home, which is a notable selling point!)

June: Boost curb appeal

Fresh landscaping, new outdoor furniture, or even a garage door upgrade can instantly improve first impressions and home value.

July: Schedule a plumbing check-up

A quick inspection now can prevent costly surprises later. While you’re at it, test shut-off valves and check for leaks.

August: Go smart

Smart thermostats, doorbells, and security systems make everyday life easier—and appeal to future buyers.

September: Plan a remodel

Thinking kitchen or bath? Start planning early. Gather inspiration, get quotes, and talk to a local agent about what actually adds value.

October: Switch to LED lighting

LED bulbs use less energy, last longer, and can save you hundreds a year—an easy win as nights get longer.

November: Freshen up with paint

Paint is one of the cheapest ways to transform a space. Go neutral if you’re selling, or have fun with color if you’re staying put.

December: Reflect and reset

Take a moment to appreciate everything you improved this year. Staying on top of home maintenance really does pay off—and you’ve earned that celebration.

As climate resilience, rising energy costs, and long-term home value climb higher on homeowners’ priority lists, the role of the builder is evolving. Today’s most successful builders are no longer just constructing houses—they’re future-proofing homes. At the center of this shift are high-performance windows and doors, coupled with smarter, more intentional design decisions that address durability, efficiency, and comfort from day one.

Climate Resilience Starts at the Front Door
Extreme weather events are becoming more frequent and more intense, placing new demands on residential construction. High-performance windows and doors are one of the first lines of defense against wind, water intrusion, heat, and cold. Impact-rated glazing, advanced weather-sealing systems, and robust frame materials help homes withstand storms while maintaining interior comfort.

For builders operating in coastal, wildfire-prone, or temperature-volatile regions, specifying resilient fenestration is no longer a premium add-on—it’s a baseline expectation. Homes that perform well under stress protect not only the structure itself but also the builder’s reputation long after the keys are handed over.

Energy Efficiency That Pays Off for Homeowners
With energy prices fluctuating and utility bills under constant scrutiny, homeowners are increasingly aware of how their homes perform. Windows and doors play a significant role in overall energy efficiency, directly impacting heating and cooling loads.

Low-E coatings, insulated frames, and multi-pane glazing reduce heat transfer, helping homes stay cooler in summer and warmer in winter. When paired with thoughtful orientation, shading strategies, and airtight construction, these products can significantly lower ongoing energy costs. Builders who communicate these long-term savings clearly give buyers a compelling reason to invest in quality upfront—often with minimal impact on the overall build budget.

Smarter Design, Better Living
Future-proofing isn’t only about materials; it’s also about design intelligence. Larger window openings placed strategically can maximize daylight while minimizing heat gain. Proper door placement can improve natural ventilation and traffic flow. These design choices enhance livability today while supporting energy performance and adaptability in the future.

Flexible floor plans, aging-in-place considerations, and compatibility with smart home technologies further extend a home’s useful life. Windows and doors that accommodate automation, improved security, and evolving accessibility needs help ensure the home remains functional and desirable for decades.

Protecting and Increasing Home Value
Homebuyers are becoming more educated, and many now ask detailed questions about energy ratings, durability, and maintenance. High-quality windows and doors signal craftsmanship and foresight, setting a home apart in competitive markets.

From a resale perspective, homes with documented energy performance, resilient features, and modern design principles tend to retain value better and sell faster. Builders who prioritize these elements position their projects as long-term investments rather than short-term solutions.

Builders as Trusted Advisors
Perhaps most importantly, leading with future-proofing elevates the builder’s role from contractor to trusted advisor. Homeowners often rely on builders to guide decisions they may not fully understand, particularly when it comes to performance features hidden behind walls or embedded in the building envelope.

By proactively recommending smarter window and door systems and integrating them into cohesive design strategies, builders demonstrate expertise, transparency, and commitment to homeowner outcomes. This approach not only reduces callbacks and warranty issues but also drives referrals and brand loyalty.

Looking Ahead
The homes being built today will face very different conditions over their lifespans than those of the past. Builders who anticipate these changes—and design accordingly—will lead the industry forward. By focusing on high-performance windows, doors, and smarter design choices, builders can deliver homes that are more resilient, more efficient, and more valuable well into the future.

Future-proofing isn’t a trend. It’s the new standard.

A few weeks ago, a builder called to get a general liability quote. I asked when his current policy expires. He replied, “oh, I let that policy go a few months ago when my last project was finished.” Are you no longer in business? I asked. “Sure,” he said, “I just don’t need insurance since I’m not building right now.”

I was beginning to feel a little uncomfortable. Did you sell your last house then? was my next question. “No,” he innocently replied. Are you trying to sell it? I asked. “Of course, I’ve got open houses every weekend. I had maybe two dozen people walk through just last Sunday,” he said with pride.

As our conversation continued, it slowly emerged that this builder simply didn’t think he had any responsibility to the public during his weekend open house tours. Not only that, but he had also recently gone back to an earlier home buyer to finish a downstairs family room. Yet another past customer had asked about adding a Florida room. Our builder gave an estimate and was waiting to hear back. He admitted he’d “probably” need general liability insurance then to do these small projects, but it was clear he didn’t really see the risks involved. Whether this was due to a desire to control costs, an over-reliance on his subcontractors, or just a lack of understanding as to how general liability insurance works, is hard to say. To this builder’s credit, he allowed me the time to walk through the liability risk potential of each scenario we discussed.*

First, the weekend open house tours: Until it is sold, the home, finished or not, is the property of the builder and he is liable for bodily injury to any member of the public who sets foot on any part of the property and is injured. This is true whether they are there as invited guests between 1:00 and 4:00 each weekend, or if they stop by unannounced after work on a Tuesday. In fact, if anyone who is not working for the builder gets hurt while on the property, they have a right to file a liability claim and a lawsuit against the builder. Without general liability insurance, the builder is on his own.

Next, finishing the family room: The subcontractor hired to do this small job has his own general liability insurance and the builder has a certificate proving it, issued when the policy renewed about four months ago. Unfortunately, the sub’s policy was recently cancelled for non-payment of premium. While at the home, the subcontractor carelessly drops a cigarette butt that starts a fire causing over $100,000 in damage to the home. The smoke, heat and water damage sustained by the home next door when the fire department put out the blaze isn’t covered either. That’s worth another $215,000. All this damage would have been insured in addition to the cost to defend the builder in the resulting lawsuits, had our builder not canceled his general liability policy when he finished construction.

Last, but not least, the Florida room: The subcontractor has active general liability insurance. Nothing happens during the project. Everyone’s happy. Then, about a year later, during an unusually cold winter, the homeowner starts his gas fireplace for the first time in ages. The fireplace is in the living room that adjoins the new Florida room. Not long after flipping the switch, there is a terrible explosion. The house is a total loss. It seems the subcontractor had nicked a gas line with a drill during installation of the prefab Florida room. With such a catastrophic loss, the subcontractor’s policy limit is quickly used up. Our builder’s policy would have provided excess limits because the builder is liable for hiring the subcontractor who nicked the gas line. Since our builder doesn’t have $1,000,000 laying around, he’d lose his business in this scenario.

So, what are the odds of any of those things actually happening? It's anybody's guess. You see, insurance is based on the law of large numbers. If you toss a coin enough times it will come up heads half the time. If you toss it only a few times, there’s little chance of predicting heads or tails. Are you feeling lucky?

*These are only a very few of the potential risks associated with general liability and are intended merely to illustrate the potential for uninsured losses.

Good news -- we gotcha covered! Contact us today for more info on GL, Builders Risk, or Contractor's Equipment Insurance. The RWC Insurance Advantage (RIA) program is offered exclusively to our builder members. Because of that, we are able to avoid the high risks associated with other commercial operations. Thus, we keep the cost of claims low and pass the savings on to you. More info / questions: 866-454-2156 or info@rwcinsuranceadvantage.com.

www.rwcinsuranceadvantage.com

By Doug Davis, RWC Insurance Advantage