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Maryland PHCC Contractors Winter 2018

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<strong>Winter</strong> <strong>2018</strong><br />

The <strong>Winter</strong> Official <strong>2018</strong> Magazine of The <strong>Maryland</strong> Plumbing-Heating-Cooling <strong>Contractors</strong> Association


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CONTENTS<br />

Congress Is Back In Session – It’s All About the Budget 6<br />

U.S. Department of Labor Overtime Rule to be Revisited 6<br />

How Long Can You Live Without a Paycheck? 8<br />

Cybersecurity & Small Business 10<br />

Estate Planning Awareness 12<br />

Unhappy Reality of Slip & Fall Accidents 13<br />

Backflow Re-Certification Course 15<br />

Experience <strong>PHCC</strong> Membership at a 50% Discount 16<br />

Introductory Membership Application 17<br />

32-Hour Backflow Certification Course 18-19<br />

13<br />

Baltimore Gas and Electric 5<br />

bge.com<br />

Bradford White 2<br />

bwforthepro.com<br />

Charlotte Pipe and Foundry Co. 3<br />

charlottepipe.com<br />

Cummins-Wagner 13<br />

cummins-wagner.com<br />

FastEst Inc. 14<br />

fastest-inc.com<br />

Kolbi Pipe Marker Co. 14<br />

kolbipipemarkers.com<br />

OFFICERS <strong>2018</strong><br />

PRESIDENT<br />

KATHARINE K.<br />

STRADLEY<br />

ELLICOTT CITY, MD<br />

(410) 442-2221<br />

(410) 442-7626 FAX<br />

TREASURER<br />

STEVE M. SCHAEFER<br />

WESTMINSTER, MD<br />

(410) 876-6825<br />

(410) 876-6811 FAX<br />

SECRETARY<br />

RON LLOYD<br />

COLUMBIA, MD<br />

21046<br />

(410) 203-2720<br />

(410) 203-1866 FAX<br />

10<br />

ADVERTISER SUPPORT<br />

SERGEANT AT<br />

ARMS<br />

FREDERICK A. WOLF<br />

BALTIMORE, MD<br />

(410) 327-4750<br />

(410) 563-1611 FAX<br />

DIRECTORS<br />

EDGAR W. ZEPP, IV<br />

CLARKSVILLE, MD<br />

(410) 531-6712<br />

(410) 531-5812 FAX<br />

RON BRYANT<br />

GAITHERSBURG, MD<br />

20879<br />

(301) 670-2700<br />

(301) 670-2720 FAX<br />

<strong>Winter</strong> <strong>2018</strong><br />

Liberty Pumps 20<br />

libertypumps.com/stormcell<br />

Metropolitan Industries *<br />

ionproducts.net<br />

Rheem 7<br />

rheem.com/HybridSolutions<br />

T&S Brass 11<br />

tsbrass.com/markets<br />

Taco Comfort Solutions 8,9<br />

TacoComfort.com<br />

*insert<br />

CHRIS SAFFER<br />

BALTIMORE, MD<br />

(410) 665-4238<br />

(410) 661-4573 FAX<br />

TIM FELDMAN<br />

ELKRIDGE, MD<br />

(410) 536-5700<br />

(410) 536-5705 FAX<br />

Cover Photo: iStockphoto.com/choicegraphic<br />

MD <strong>PHCC</strong> - NEW MEMBERS<br />

Harry Gessford<br />

Annapolis<br />

Plumbing<br />

Edgewater<br />

Sean Johnson<br />

Precision Plumbing<br />

Dundalk<br />

Senior Editor - Diane P. Kastner<br />

APPRENTICESHIP EDUCATION<br />

COUNCIL MEMBERS<br />

STEVEN M. SCHAEFER<br />

ADMINISTRATIVE CHAIR<br />

WESTMINSTER, MD<br />

(410) 876-6825<br />

(410) 857-0011 FAX<br />

RONALD STIEGLER<br />

ELDERSBURG, MD<br />

(410) 876-6825<br />

KATHARINE K. STRADLEY<br />

ELLICOTT CITY, MD<br />

(410) 442-2221<br />

EDGAR W. ZEPP, IV<br />

CLARKSVILLE, MD<br />

(410) 531-6712<br />

(410) 531-5812 FAX<br />

James Phaneuf<br />

J P Plumbing<br />

Arnold<br />

Linda Puii<br />

24/7 Home<br />

Improvement<br />

Plumbing & Drain<br />

Windsor Mill<br />

<strong>Maryland</strong> <strong>PHCC</strong> Contractor<br />

Magazine is the official<br />

magazine of The <strong>Maryland</strong><br />

Plumbing-Heating-<br />

Cooling <strong>Contractors</strong> and<br />

is published four times<br />

annually. The <strong>Maryland</strong><br />

<strong>PHCC</strong> does not necessarily<br />

endorse any of the<br />

companies advertising in this publication or the<br />

views of its writers.<br />

<strong>Maryland</strong> <strong>PHCC</strong> Contractor Magazine<br />

is designed and published by Blue Water<br />

Publishers, LLC. Articles and information<br />

published in this magazine may not be<br />

reproduced without written consent of The<br />

<strong>Maryland</strong> <strong>PHCC</strong> or Blue Water Publishers, LLC.<br />

<strong>Maryland</strong> <strong>PHCC</strong> reserves the right in its sole<br />

discretion to reject advertising that does not<br />

meet <strong>Maryland</strong> <strong>PHCC</strong> qualifications or which<br />

may detract from its business, professional or<br />

ethical standards. The publisher cannot assume<br />

responsibility for claims made by advertisers,<br />

content provided by the editor, or for the opinions<br />

expressed by contributing authors.<br />

For more information on advertising, contact<br />

Eric Johnson, Blue Water Publishers, LLC,<br />

9406 N. 107th St., Milwaukee, WI 53224<br />

414-708-2059 • fax: 414-354-5317<br />

eric@bluewaterpublishers.com<br />

4 <strong>Maryland</strong> <strong>PHCC</strong> Contractor <strong>Winter</strong> <strong>2018</strong>


POTENTIAL CROSS BORES:<br />

Always use caution<br />

before clearing<br />

sewer lines.<br />

!<br />

A blocked sewer line may be the accidental result of utility, municipal or<br />

private lines (gas, electric or telecommunications) being cross bored<br />

through the sewer line. Sewer mains or sewer laterals may not be marked<br />

in response to a Miss Utility excavation notification.<br />

Follow these safety precautions<br />

before clearing a sewer line blockage:<br />

811<br />

CALL 811 AND REQUEST AN EMERGENCY MISS UTILITY TICKET TO HAVE<br />

THE UNDERGROUND UTILITY LINES FOR THE PROPERTY MARKED.<br />

INQUIRE WITH THE PROPERTY OWNER, OCCUPANT OR BUILDING<br />

MAINTENANCE TO DETERMINE<br />

• The location of the sewer facilities such as clean outs, and<br />

• If there has been any recent excavation to install utility lines.<br />

Note: in some cases the cross bore may have occurred years earlier<br />

with symptoms only recently coming to light.<br />

• If markings for existing underground utility lines cross the path of<br />

the sewer line, it may be a cross bore that is causing the blockage.<br />

IF YOU SUSPECT OR ARE INVESTIGATING WHETHER<br />

THE BLOCKAGE IS CAUSED BY A CROSS BORE<br />

• Use a pipeline camera to identify the location of the blockage<br />

within the sewer line before trying to clear any blockages.<br />

• Do not attempt to clear the blockage with a mechanical device.<br />

Contact the utility operator that may be involved.<br />

• Hand dig in the area where the blockage or the cross bore may exist.<br />

IF YOU SUSPECT A GAS LEAK OR HIT A GAS LINE<br />

• Leave the premises immediately and go to a safe place where you<br />

can call BGE at 1.800.685.0123 or 911 for emergency response.<br />

• Extinguish all open flames. Do not use matches or lighters<br />

and do not attempt to light an appliance.<br />

• Do not use any phones or other battery operated equipment,<br />

as they can cause sparks and ignite natural gas.<br />

• Do not start or turn off vehicles or motorized equipment.<br />

Abandon any motorized equipment you may be operating.<br />

• Do not attempt to find the source of the leak or to repair a leak.


THE RISO REPORT<br />

Congress Is Back in Session -<br />

It’s All About the Budget...<br />

Why Do We Care...<br />

Congress went back into session recently – following<br />

its annual August recess. One of its top priorities is<br />

to pass a budget by the end of September to avoid a<br />

government shutdown. This must be done while the<br />

Senate is preoccupied with confirmation hearings on<br />

Brett Kavanaugh’s Supreme Court Justice nomination.<br />

The Senate has actually gotten parts of its budget work done<br />

– as they stayed in partial session for August. There are<br />

some mindfields, though. President Trump has stated that<br />

he will veto any budget that does not contain funding for a<br />

border wall (House and Senate Republicans would rather not<br />

deal with the border wall prior to the election as the issue is<br />

tied to immigration), spending caps in funding a veteran’s<br />

health program, and efforts to strip Planned Parenthood<br />

federal funding. Congress is also looking to pass a budget<br />

that would carry funding past the election – and revisit the<br />

budget following the results<br />

of the election. But ... what’s<br />

at stake for <strong>PHCC</strong>? In the<br />

budget – funding for career<br />

and technical education and<br />

funding for infrastructure<br />

programs like the Water<br />

Infrastructure Finance and<br />

Innovation Act (WIFIA),<br />

are held hostage. The end of<br />

the government’s fiscal year<br />

doesn’t end until the end of<br />

Director of<br />

Government<br />

Relations, <strong>PHCC</strong><br />

National,<br />

Mark Riso<br />

this month - and we won’t know what will be funded or not<br />

as we go through September. <strong>PHCC</strong> will work with Congress<br />

and keep members informed (and activate advocacy efforts<br />

through <strong>PHCC</strong>’s grassroots network) to push for our interests.<br />

CHUCK WHITE<br />

U.S. Department Of Labor<br />

Overtime Rule To Be Revisited<br />

The U.S. Department of Labor is slated to conduct a Public<br />

Rulemaking concerning the 2016 Overtime Rule which<br />

was stayed by litigation in a Texas Federal Court. The<br />

2016 rule would have raised the minimum salary level for<br />

the so-called “white collar” exemption from $23,660 to<br />

nearly $48,000 per year.<br />

Labor Secretary Alexander Acosta has previously indicated<br />

that he favored some modest increase of the minimum salary<br />

threshold for exemption. Public comments were taken by<br />

DOL on this topic in late 2017; now the Office of Information<br />

and Regulatory Affairs has<br />

issued information on their<br />

website indicating a proposed<br />

rulemaking would begin in<br />

March 2019. <strong>PHCC</strong> will follow<br />

this process as it develops and<br />

will file appropriate comments<br />

to the proposed rule in a timely<br />

fashion.<br />

Vice President of<br />

Regulatory Affairs,<br />

Chuck White<br />

6 <strong>Maryland</strong> <strong>PHCC</strong> Contractor <strong>Winter</strong> <strong>2018</strong>


EFFICIENT, MONEY-SAVING<br />

PRODIGY<br />

THE RHEEM ® PRESTIGE ® HYBRID ELECTRIC WATER<br />

HEATER is the smartest, quietest and most efficient water<br />

heater available–paying for itself in less than 3 years.<br />

Earth-Friendly Efficiency – Lets homeowners shower, do<br />

the dishes and wash the laundry all while producing fewer<br />

greenhouse gases<br />

Impressive Savings – Saves homeowners $4,750 over 10 years 1<br />

Industry’s Smartest – Provides water leak detection 2 , protective<br />

alerts and maintenance notifications via mobile app<br />

Whisper Quiet – Operates so quietly, no one will notice it’s on<br />

Rheem.com/HybridSolutions<br />

ELIGIBLE FOR<br />

NATIONAL<br />

UTILITY<br />

REBATES<br />

AVAILABLE IN 50, 65 AND 80 GALLONS<br />

1<br />

Based on comparison of the 50-gallon Hybrid Electric model against the estimated annual<br />

operating cost of a standard electric water heater of like capacity manufactured prior to<br />

2015 under NAECA II which is likely being replaced. Savings over 10 years and will be<br />

slightly lower for 65- and 80-gallon models. 2 Built in leak detection alerts of a water leak<br />

so you can take action to prevent home damage.<br />

<strong>Winter</strong> <strong>2018</strong><br />

<strong>Maryland</strong> <strong>PHCC</strong> Contractor 7


HOW LONG CAN<br />

YOU LIVE WITHOUT<br />

A PAYCHECK?<br />

DISABILITY IS MORE COMMON<br />

THAN YOU THINK<br />

As long as you have the ability to earn an income, you are able to<br />

accumulate assets and provide for yourself and your family. But what<br />

would happen if you became disabled and could no longer work?<br />

The odds of becoming disabled are compelling. Consider these statistics:<br />

• More than 10 percent of Americans between<br />

the ages of 18 and 64 have a disability. 1<br />

• Nearly 90 percent of disabilities<br />

aren’t work related and, therefore,<br />

don’t qualify for work-comp<br />

benefits. 2<br />

• 100 million Americans<br />

are not protected by<br />

private disability<br />

insurance. 3<br />

Owning a disability<br />

income insurance<br />

policy should be<br />

a necessity, like<br />

other insurance<br />

you have to protect<br />

other assets. For<br />

instance, you<br />

insure your home,<br />

car, and possessions –<br />

don’t neglect to protect the<br />

income that pays for them.<br />

© Lquoncept | Dreamstime.com<br />

Disability insurance can<br />

help ensure that money will<br />

continue to come in the door to<br />

help pay your bills if a sickness or injury prevents you from performing<br />

the material and substantial duties of your regular occupation.<br />

Where to buy Taco in <strong>Maryland</strong><br />

To find your nearest <strong>Maryland</strong> supply<br />

house for Taco Comfort Products, call<br />

the main numbers listed below<br />

or visit the suppliers’ websites.<br />

R.E. Michel<br />

410-685-8371 / www.remichel.com<br />

Thomas Somerville<br />

310-390-9575 / www.tsomerville.com<br />

Northeastern Supply<br />

410-574-0010 / www.northeastern.com<br />

Ferguson<br />

410-540-2800 / www.ferguson.com<br />

McArdle & Walsh<br />

410-252-8700 / www.mcardlewalsh.com<br />

Southern Utilities<br />

301-589-2885 / www.southernutilitiesco.com<br />

Winsupply (to include Noland locations)<br />

301-386-7771 / winsupplyinc.com<br />

Schumacher & Siler<br />

410-561-2461 / www.schumacherseiler.com<br />

Contact your local Federated representative to discuss ways Federated can<br />

help you address the catastrophic impact of a disability as part of your<br />

overall insurance program.<br />

1 U.S. Census Bureau, Selected Social Characteristics in the United States:<br />

2009.<br />

2 National Safety Council, Injury Facts, 2008 edition.<br />

3 Council for Disability Awareness, Long-Term Disability Claims Review,<br />

2005.<br />

Taco Comfort Solutions products are<br />

proudly represented in <strong>Maryland</strong> by<br />

N.H. Yates & Co. of Cockeysville.<br />

www.TacoComfort.com<br />

8 <strong>Maryland</strong> <strong>PHCC</strong> Contractor<br />

<strong>Winter</strong> <strong>2018</strong>


Three new ways to get into instant hot water.<br />

One new way to get out of it.<br />

006e3 SmartPlus-e system Hot-LinkPlus-e system LeakBreaker® with eLink<br />

Get in to ECM high-efficiency instant hot water comfort<br />

The ECM 006e3 circulator is engineered for hot water recirculation and uses up to 85% less energy. For use with<br />

dedicated return lines, the SmartPlus-e system with our award-winning SmartPlug Instant Hot Water Control®,<br />

learns hot water usage patterns and delivers hot water only when needed. No return line? The Hot-LinkPlus-e<br />

system with the patented Hot-Link® valve delivers the same high-efficiency performance.<br />

Get out of a potential leak disaster<br />

Comfort and peace of mind go hand in hand. LeakBreaker® with eLink connectivity provides protection against<br />

leak damage due to water heater failure. When it senses trouble, it shuts off the water heater’s incoming water<br />

supply and alerts the homeowner via mobile text and email.<br />

Plumbing products that are right for the job<br />

Visit us online at www.tacocomfort.com and learn about our full line of hot water recirculation and flood<br />

prevention products. Taco’s reputation for reliability, ease of installation, and support will bring you some<br />

well-deserved peace of mind, too.


CYBERSECURITY<br />

& SMALL<br />

BUSINESS<br />

iStockphoto.com/scyther5<br />

It’s nearly impossible these days for businesses to operate<br />

without the help of Internet-connected devices, which<br />

exposes them to cybercrime. It’s the small- to mediumsized<br />

businesses that are especially vulnerable: half are<br />

victims of cybercrime and nearly two-thirds of those<br />

victims go out of business. 1 Hackers increasingly target<br />

small businesses because there is a low risk they will be<br />

caught and a high probability they will be successful.<br />

Maintaining personally identifiable information (PII)<br />

on a computer connected to the Internet creates a nearly<br />

unavoidable risk. More than likely, names, addresses, and<br />

employment information are stored. If PII is acquired by<br />

someone without the authority to do so, that may result in a<br />

data breach.<br />

Banking, credit, and vendor account information is also<br />

vulnerable. Even if that valuable information is not stored on<br />

an Internet-connected computer, employees who have access<br />

to it can be duped into handing it over to criminals.<br />

BEST PRACTICES AND SECURITY TIPS<br />

Tip 1: Train Employees in Information Technology<br />

Security. Training should be offered, especially to those<br />

who are responsible for accounts payable, human resources<br />

records, and wire transfers. Training for all employees should<br />

be reinforced periodically.<br />

Employees should be instructed to refrain from clicking links<br />

or attachments in e-mails, and not to pay an invoice until it’s<br />

confirmed that the sender actually sent it. Even if the e-mail<br />

appears to be from a trusted source, employees should learn<br />

to always copy and paste links or type URLs into a browser<br />

to see if the address is valid.<br />

Tip 2: Funds Transfers. Put a policy in place to have an inperson<br />

or telephone conversation to confirm e-mail requests<br />

for funds or personal information. It can greatly reduce the<br />

likelihood of fraudulent transfers or information sharing.<br />

Continued after insert >><br />

10 <strong>Maryland</strong> <strong>PHCC</strong> Contractor <strong>Winter</strong> <strong>2018</strong>


<strong>Winter</strong> <strong>2018</strong><br />

<strong>Maryland</strong> <strong>PHCC</strong> Contractor 11


12 <strong>Maryland</strong> <strong>PHCC</strong> Contractor <strong>Winter</strong> <strong>2018</strong>


<strong>Winter</strong> <strong>2018</strong><br />

<strong>Maryland</strong> <strong>PHCC</strong> Contractor 13


14 <strong>Maryland</strong> <strong>PHCC</strong> Contractor <strong>Winter</strong> <strong>2018</strong>


Tip 3: Email Authentication. Phishing can be substantially<br />

reduced by verifying that the e-mail originated from the<br />

domain it is associated with. If your domain is hosted, it’s<br />

worth taking some time to look at how your e-mail is set up to<br />

ensure proper authentication schemes are used. 2<br />

Tip 4: Change default passwords on your router and other<br />

Internet-connected devices.<br />

Tip 5: Use a trusted VPN service when using Wi-Fi.<br />

Tip 6: Back up your data regularly both to the cloud and to<br />

a removable device.<br />

Tip 7: Update firmware and software regularly.<br />

Tip 8: Provide firewall security for your Internet<br />

connection. Ensure your operating system’s firewall is<br />

enabled, especially if have employees working from home. 3<br />

Tip 9: Limit employees’ authority to install software and<br />

their access to only necessary information and data. 3<br />

Tip 10: Require employees to update unique passwords<br />

every three months. 3<br />

Security professionals used to strive for perfect security, but<br />

today they accept that goal as unachievable. Instead, they strive<br />

for optimal security by combining best practices with a risk<br />

management program that considers purchasing data compromise<br />

and cyber coverage through a knowledgeable insurance provider.<br />

Cyber Shield® from Federated Insurance is a two-part<br />

coverage program designed to help provide essential<br />

protection against many of the critical cyber and privacy<br />

exposures businesses face. Data Compromise Coverage<br />

and Cyber Coverage can help your company recover from<br />

intentional or accidental breaches.* Visit federatedinsurance.<br />

com for more information or to find your local Federated<br />

representative.<br />

1 “Small Business, Big threat: Protecting Small Businesses<br />

from Cyber Attacks,” Statement for the Record: Dr. Jane<br />

LeClair, Chief Operating Officer, National Cybersecurity<br />

Institute at Excelsior College Before the United States House<br />

of Representatives Committee on Small Business, 4/22/15.<br />

https://smallbusiness.house.gov/uploadedfiles/4-22-2015__<br />

dr.__leclair__testimony.pdf<br />

2 The leading e-mail authentication protocols are SPF (Sender<br />

Policy Framework), DKIM (Domain Keys Identified Mail)<br />

and DMARC (Domain-based Message Authentication,<br />

Reporting & Conformance); best practice is to utilize the<br />

three protocols together. https://dmarc.org/2016/03/bestpractices-for-email-senders/<br />

3 “Cybersecurity for Small Business.” Online at https://www.<br />

fcc.gov/general/cybersecurity-small-business<br />

* Coverage will be determined solely by the circumstances of<br />

the event and the terms of your policy, if approved for issue.<br />

This article is not an offer of insurance.<br />

T&S IS HERE<br />

<strong>Contractors</strong> know how important it is to have<br />

the right resources in place — and so does T&S.<br />

That’s why we offer a vast selection of high-quality<br />

plumbing products for a wide range of markets<br />

and applications, delivering world-class innovation<br />

and reliability when it matters most.<br />

Learn more at tsbrass.com/markets.<br />

EDUCATION HEALTHCARE PUBLIC VENUES COMMERCIAL OFFICES<br />

T&S plumbing products represented in <strong>Maryland</strong> by: MidAtlantic RepSouth - 804-550-0025<br />

TSB_3050 <strong>2018</strong> <strong>PHCC</strong> 7.675x5.indd 2<br />

<strong>Winter</strong> <strong>2018</strong><br />

8/13/18 10:57 AM<br />

<strong>Maryland</strong> <strong>PHCC</strong> Contractor 11


ESTATE PLANNING<br />

AWARENESS<br />

Since 2008, the third week of October each year has been<br />

designated National Estate Planning Awareness Week.<br />

This event, held Oct. 15-19 this year, promotes estate<br />

planning and reinforces its importance to individual and<br />

family financial wellbeing.<br />

According to a 2017 Caring.com survey, only 42 percent of<br />

U.S. adults currently have estate-planning documents, such<br />

as a will or living trust.* For those with children under the<br />

age of 18, just 36 percent have a plan. Whether or not an<br />

individual has a will varies significantly by age, with<br />

younger generations being the least prepared<br />

in the event of a premature death.<br />

So what is estate planning and why is<br />

it so important?<br />

Estate planning is the process of<br />

outlining how someone wants his<br />

or her assets to be managed and<br />

transferred after death. In an estate<br />

plan, an individual can:<br />

• Designate who should receive which<br />

assets and when.<br />

• Choose who will make financial and<br />

medical decisions if he or she is unable.<br />

• Decide who should care for children.<br />

• Include provisions to help minimize estate taxes and other<br />

settlement expenses.<br />

• Provide guidance to one’s family about wishes for his or<br />

her funeral, burial, or end of life care.<br />

For a business owner, estate planning also<br />

includes succession planning — who<br />

will take over a business in the event<br />

of death or disability. The owner can<br />

decide if the successor will buy the<br />

business or inherit it. Families can<br />

reduce conflict by creating a plan<br />

that equalizes shares of an estate<br />

between family members who are<br />

involved in the business and those<br />

who are not. A complete estate<br />

plan may include a wide range of<br />

documents, such as a will, trust,<br />

financial power of attorney, medical<br />

power of attorney, and living will, and<br />

for business owners, a funded buy-sell<br />

agreement.<br />

PERCENTAGE<br />

OF ADULTS<br />

WITHOUT A WILL:<br />

BABY BOOMERS<br />

(AGES 53-71): 40%<br />

GENERATION X<br />

(AGES 37-52): 64%<br />

MILLENNIALS<br />

(AGES 18-36): 78%<br />

Why do so many people not have an estate plan in place?<br />

Individuals cite a variety of reasons for not having one, from<br />

cost, to not knowing where to go to create a plan, to just not<br />

getting around to it. Without a will or trust, the state will<br />

determine who will receive an individual’s assets after death.<br />

It may be a spouse and/or children, but how much will go<br />

to each of them varies from state to state, especially if the<br />

children are from a prior relationship. Children will receive<br />

their share when they reach the age of majority (18 or 21,<br />

depending on the state), regardless of whether or not they<br />

are prepared to handle it. A court will help decide<br />

who is best suited to raise children (it might<br />

not be the person an individual would have<br />

chosen). Assets will not be protected<br />

from heirs’ creditors, future spouses, or<br />

behavioral issues (for example, alcohol<br />

or drug abuse, gambling, or lack of<br />

motivation). The absence of planning<br />

could be even more disastrous for a<br />

business. Statistics show that less<br />

than one-third of family businesses<br />

survive from the first to the second<br />

generation and even fewer (15 percent)<br />

survive another transition. Without an<br />

identified buyer and negotiated terms<br />

for a sale in a signed (and funded) buy-sell<br />

agreement, a family could end up selling the<br />

business for pennies on the dollar or liquidating the<br />

business and selling the pieces for a fraction of their value.<br />

Don’t jeopardize your family’s financial future or create<br />

unnecessary difficulties by not having an estate plan. If you<br />

already have a plan in place, make sure it is up to date and<br />

continues to reflect your wishes. Not sure where to start?<br />

Talk to your Federated marketing representative<br />

to be connected with an independent attorney<br />

who specializes in estate and business<br />

succession planning.<br />

Source: DiUlio, Nick. (<strong>2018</strong>) More<br />

Than Half of American Adults<br />

Don’t Have a Will, 2017 Survey<br />

Shows. Retrieved from https://<br />

www.caring.com/articles/willssurvey-2017<br />

Some of the services referenced<br />

herein are provided by third<br />

parties wholly independent of<br />

Federated with the understanding<br />

that neither Federated nor its<br />

employees provided legal or other<br />

expert advice.<br />

© Vaeenma | Dreamstime.com<br />

12 <strong>Maryland</strong> <strong>PHCC</strong> Contractor <strong>Winter</strong> <strong>2018</strong>


THE UNHAPPY REALITY OF SLIP<br />

AND FALL ACCIDENTS<br />

ALTHOUGH IT VARIES BY INDUSTRY, CLAIMS<br />

MADE BY BUSINESSES FOR SLIP AND FALL<br />

ACCIDENTS ACCOUNT FOR MORE THAN 20<br />

PERCENT OF GENERAL LIABILITY CLAIMS EACH<br />

YEAR, AND HAVE AN AVERAGE PAYOUT OF MORE<br />

THAN $20,000.<br />

Every business has the potential to<br />

experience these incidents, but the<br />

retail and commercial industries are<br />

often prime targets for slips and falls,<br />

most likely due in part to their frequent<br />

interaction with the public. Likewise,<br />

certain times of the year also seem more<br />

prone to slip and fall incidents, such<br />

as colder months and the autumn and<br />

winter holidays. The causes definitely<br />

vary, but three particular circumstances<br />

commonly increase a business’s risk.<br />

© Dennis Cox | Dreamstime.com<br />

<strong>Winter</strong> <strong>2018</strong><br />

<strong>Maryland</strong> <strong>PHCC</strong> Contractor 13


One area of increased risk is simply<br />

more traffic. Regardless of the<br />

reason, more traffic naturally points<br />

to a greater chance for mishaps. Add<br />

other distractions such as point of<br />

sale displays, store demonstrations,<br />

or any other typical “shopping”<br />

distraction, and the risk increases. To<br />

reduce this risk, you would need to<br />

reduce foot traffic, and what business<br />

owner wants to do that? A more<br />

acceptable alternative is to emphasize<br />

the importance of regular facility<br />

inspections, on-going housekeeping,<br />

and sound maintenance practices.<br />

Next is seasonal weather. Depending<br />

on your store’s location, rain and<br />

winter’s sleet, ice, and snow can<br />

significantly impact slip and fall<br />

frequency. Couple this with customers<br />

who may not be wearing appropriate<br />

footwear for the conditions, and your<br />

risk increases.<br />

Businesses should implement policies<br />

to keep walkways, driveways, and<br />

customer parking areas clear of ice and<br />

snow accumulation.<br />

• Pay special attention to drainage<br />

runoff or discharge from buildings,<br />

canopies, and landscaping.<br />

• Many incidents occur after a day of<br />

snow/ice melt and the refreeze in the<br />

evening or morning hours, which are<br />

also often the busiest times of day.<br />

• And don’t forget indoor slips and<br />

falls. Customers inevitably track<br />

in whatever type of precipitation is<br />

outdoors, creating wet and slippery<br />

floors, especially around entrances.<br />

Keeping employees aware of and on the<br />

lookout for these increased weatherrelated<br />

risks is critical to slip and fall<br />

prevention – inside and out.<br />

And last, but certainly not least, is<br />

fraud. The winter holidays in particular<br />

are prime time for fraudsters. The<br />

reasons are as varied as the people<br />

involved, but often they stem from<br />

an increased need for money, or even<br />

simply taking advantage when larger<br />

crowds or weather conditions present<br />

an opportunity. Fraud can be hard<br />

to detect and prove, but being aware<br />

of fraud indicators, keeping video<br />

surveillance footage, and documenting<br />

your housekeeping details (e.g., When<br />

was ice melt laid? When was the floor<br />

mopped?) can be valuable for helping<br />

to combat fraud.<br />

Slip and fall incidents and their root<br />

causes can be obvious (an icy sidewalk),<br />

or not so obvious (a “staged” fall for<br />

fraudulent purposes). In other words,<br />

business owners need to be ready for<br />

all conditions. Look at your business<br />

through the eyes of a customer, paying<br />

special attention to the three common<br />

causes discussed here. They show what<br />

your business could be exposed to, and<br />

the preventable situations you can<br />

remedy to help you avoid an insurance<br />

claim. For more information on slip<br />

and fall prevention, contact your local<br />

Federated marketing representative.<br />

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14 <strong>Maryland</strong> <strong>PHCC</strong> Contractor <strong>Winter</strong> <strong>2018</strong>


<strong>Maryland</strong> Plumbing-Heating-Cooling <strong>Contractors</strong>, Inc.<br />

10176 Baltimore National Pike, Suite 205, Ellicott City, MD 21042-3652<br />

(410) 461-5977 • fax: (410) 750-2507 • e-mail: phccmd@aol.com<br />

Backflow RE-Certification Course Application<br />

Accepted & Approved for Certification in the State of <strong>Maryland</strong>, W.S.S.C. & the Commonwealth of Virginia<br />

Registration Fees: $150. <strong>Maryland</strong> <strong>PHCC</strong> Members / $250. Non - Member<br />

January 12, 2019<br />

Thos. Somerville Co. – 1510<br />

Tilco Drive – Frederick, MD<br />

January 26, 2019<br />

Dundalk Community<br />

College – 7200 Sollers Point<br />

Road – Dundalk, MD<br />

February 9, 2019<br />

Thos. Somerville Co. – 1510<br />

Tilco Drive – Frederick, MD<br />

February 23, 2019<br />

Dundalk Community<br />

College – 7200 Sollers Point<br />

Road – Dundalk, MD<br />

March 9, 2019<br />

Thos. Somerville Co. – 1510<br />

Tilco Drive – Frederick, MD<br />

March 16, 2019<br />

Dundalk Community<br />

College- 7200 Sollers Point<br />

Road – Dundalk, MD<br />

April 6, 2019<br />

Thos. Somerville Co. – 1510<br />

Tilco Drive – Frederick, MD<br />

April 27, 2019<br />

Dundalk Community<br />

College – 7200 Sollers Point<br />

Road – Dundalk, MD<br />

May 4, 2019<br />

Thos. Somerville Co. – 1510<br />

Tilco Drive – Frederick, MD<br />

May 18, 2019<br />

Dundalk Community<br />

College – 7200 Sollers Point<br />

Road – Dundalk, MD<br />

June 8, 2019<br />

Thos. Somerville Co. – 1510<br />

Tilco Drive – Frederick, MD<br />

June 22, 2019<br />

Dundalk Community<br />

College – 7200 Sollers Point<br />

Road – Dundalk, MD<br />

For schedule updates contact the office at (410) 461-5977. Hours: Starting time for this course is 7:30 a.m.<br />

A passing grade commensurate with National requirements on the final written examination and a satisfactory completion<br />

of the “Hands on” performance test will result in Certification.<br />

Note: Class schedules are updated approximately every 30 days. To reserve your space please be sure to register early.<br />

Class size is limited and applicants are accepted on a first-come, first-served basis.<br />

Name_________________________________________ Home Phone: (<br />

)____________________________<br />

Home Address _______________________________Last 4 Digits of Social Security No._____________________<br />

City _________________________________________ State __________ Zip Code _________________ _____<br />

Certification expiration date _______________________ School Attended __________________________ _____<br />

e-mail address:___________________Plumbing License held 0 Baltimore County 0 State 0 WSSC<br />

Please check<br />

Company Name: ______________________________ Fax Number: (<br />

) ______________________________<br />

Class Location Requested:__________________________ Class Date Requested: ___________________________<br />

Enclosed is my check made payable to <strong>Maryland</strong> <strong>PHCC</strong> in the amount of $__________.<br />

Signature of Applicant __________________________________________________________ Date:__________<br />

Credit Card # _____________________________ Expiration Date:__________ Security Code_________<br />

Name as it appears on Credit Card_________________________________________________________<br />

Billing address for credit card_____________________________________________________________ ______<br />

Street City State Zip Code<br />

AUTHORIZED SIGNATURE OF CARDHOLDER:__________________________________________<br />

PAYMENT: Payment must accompany the completed application. Please make check payable to <strong>Maryland</strong> <strong>PHCC</strong>.<br />

Mail to: <strong>Maryland</strong> <strong>PHCC</strong>, Suite 205, 10176 Baltimore National Pike, Ellicott City, MD 21042. Enclosed is my check<br />

in the amount of $________.<br />

CANCELLATION: What if I need to cancel? Applicants who cancel up to 10 days prior to the start of the course will<br />

forfeit 25% of the total fee to cover administrative fees. Cancellations less than seven (7) days prior to the start of<br />

class will forfeit all fees.<br />

<strong>Winter</strong> <strong>2018</strong><br />

<strong>Maryland</strong> <strong>PHCC</strong> Contractor 15


Experience <strong>PHCC</strong> Membership<br />

at a 50% Discount!<br />

New Introductory Membership<br />

For the first time ever in the 135 year history of the <strong>PHCC</strong>, we are offering an introductory membership rate at<br />

more than 50% off the full rate for the first year of membership. With these economic times, we feel we can offer<br />

the contractor the “experience” of <strong>PHCC</strong> at a reduced rate to increase the exposure to the value of membership in<br />

our Association.<br />

Here are just a few of the benefits of membership:<br />

INDUSTRY REPRESENTATION: <strong>PHCC</strong> membership give you a voice with today’s legislators, giving you the<br />

lobbying edge on a State and National level.<br />

NETWORKING OPPORTUNITIES: State and National meetings help you learn from others who have “been<br />

there, done that.”<br />

EDUCATION AND TRAINING: Access to education and business management expertise, all at a money<br />

saving discount and many programs are free to members.<br />

SCHOLARSHIPS: For Contractor Member families and the family members of their Employees on a state and<br />

national level.<br />

LATEST NEWS: With National and State subscriptions, you will be kept up-to-date on your Industry.<br />

PROFESSIONAL PRIDE: Proudly display the <strong>PHCC</strong> logo with promotional materials provided and in a<br />

format for advertising.<br />

Memberships For One Low Fee (Starting at $437.50)<br />

CRITERIA TO TAKE ADVANTAGE OF THIS OFFER:<br />

1. Introductory Membership is available only once to a firm that is engaged in the plumbing and/or heating<br />

and/or cooling and/or mechanical contracting industry that has never been a member of the association. An<br />

Introductory Member may only retain this designation for a maximum of twenty-four (24) months from the<br />

date the firm joined, and must maintain an affiliation with the National and State Association as described in<br />

the bylaws.<br />

2. Dues for Introductory Members are at least a fifty percent (50%) discount of active member dues for the first<br />

year and at least a twenty-five percent (25%) discount of active member dues in the second year.<br />

3. Introductory members may attend meetings and enjoy all other privileges and benefits of membership, except<br />

that they may not vote, hold office or propose resolutions or amendments to the bylaws.<br />

4. Must attend 50% of State Meetings during membership period.<br />

5. Must attend one National <strong>PHCC</strong> webinar during membership period. (free to members)<br />

6. Must attend one State sponsored event during membership period.<br />

If the above criteria are met during the first membership year, a second year renewal is 25% off the regular<br />

member price. Or, at any time, the introductory member may pay the membership fee difference and become<br />

a full member (<strong>2018</strong> starting rate of $875.00 per year).<br />

<strong>Maryland</strong> Plumbing-Heating-Cooling <strong>Contractors</strong> 10176 Baltimore National Pike, Suite 205<br />

Ellicott City, <strong>Maryland</strong> 20142<br />

410-461-5977 • phccmd@aol.com<br />

16 <strong>Maryland</strong> <strong>PHCC</strong> Contractor <strong>Winter</strong> <strong>2018</strong>


<strong>Maryland</strong> Plumbing-Heating-Cooling <strong>Contractors</strong>, Inc.<br />

10176 Baltimore National Pike, Suite 205<br />

Ellicott City, MD 21042-3652<br />

(410) 461-5977 • fax: (410) 750-2507<br />

web: www.marylandphcc.org • e-mail: phccmd@aol.com<br />

Introductory Member Application<br />

BECOME A MEMBER OF MARYLAND’S OLDEST & MOST ACTIVE TRADE ASSOCIATION<br />

I hereby make application for Introductory membership for the year <strong>2018</strong> in the <strong>Maryland</strong> Plumbing-Heating-<br />

Cooling <strong>Contractors</strong>, Inc. and agree to conform to the Constitution and Bylaws of the Association.<br />

INTRODUCTORY MEMBER: Any individual who holds a State of <strong>Maryland</strong> Master License and/or any other State<br />

license who is a Master Plumber or Master HVAC Contractor or who owns at least 10% of the assets of a Plumbing,<br />

Heating or Cooling firm shall be eligible for membership in this Association, an affiliate of the Plumbing-Heating-<br />

Cooling <strong>Contractors</strong> National Association.<br />

PROCEDURES FOR MEMBERSHIP: Any persons wishing to become An Introductory member of this<br />

Association must properly complete the application form furnished by the Association and make payment<br />

of applicable dues. Such application and dues shall be referred to the Board of Directors, by the Membership<br />

Committee which shall investigate the eligibility of the applicant and report thereon at the next meeting of the<br />

members. Two-thirds majority vote of the members present at such meeting is required to elect the applicant.<br />

DUES INVESTMENT: <strong>Maryland</strong> <strong>PHCC</strong> dues investment is based on number of Field Technicians. A technician<br />

is anyone who works with tools or is learning the PHC trade. This includes journey, apprentices and master<br />

plumbers/HVAC on your payroll. It is not office staff, accountants, etc. Your dues investment includes<br />

membership in the <strong>Maryland</strong> <strong>PHCC</strong> and <strong>PHCC</strong> National Association.<br />

No. of Technicians Investment No. of Technicians Investment No. of Technicians Investment<br />

0 1-8 $437.50/year 0 9-14 $497.50/year 0 15+ $497.50/year<br />

WHICH PAYMENT OPTION WOULD YOU PREFER TO USE THIS YEAR (PLEASE CHECK ONE)?<br />

0 My Check in the amount of $____________ is enclosed.<br />

0 Please charge my Credit Card: 0 American Express 0 Visa 0 MasterCard<br />

Name of Company_________________________ Phone No. ( )_____________ Fax No. ( )_____________<br />

Name of Applicant ________________________ e-mail address_______________________________________<br />

Address ___________________________________________________________________________ ______<br />

Street City State Zip Code<br />

Credit Card # _____________________________________ Expiration Date:__________ Security Code_________<br />

Name as it appears on Credit Card_______________________________________________________________<br />

Billing address for credit card_____________________________________________________________ ______<br />

Street City State Zip Code<br />

Authorized Signature _______________________________ Master License #________________ Date_________<br />

<strong>Winter</strong> <strong>2018</strong><br />

<strong>Maryland</strong> <strong>PHCC</strong> Contractor 17


<strong>Maryland</strong> Plumbing-Heating-Cooling <strong>Contractors</strong>, Inc.<br />

10176 Baltimore National Pike, Suite 205<br />

Ellicott City, MD 21042-3652<br />

(410) 461-5977 • fax: (410) 750-2507<br />

e-mail: phccmd@aol.com<br />

32-Hour Backflow Certification Course<br />

Cost: $425. <strong>Maryland</strong> <strong>PHCC</strong> Members / $550. Non - Member<br />

APPROVED AS A PROVIDER OF TRAINING BY THE MARYLAND STATE BOARD OF PLUMBING<br />

ACCEPTED & APPROVED AS A PROVIDER OF TRAINING BY THE COMMONWEALTH OF<br />

VIRGINIA AND WASHINGTON SUBURBAN SANITARY COMMISSION (W.S.S.C)<br />

32-Hour Training Course leading to Certification as a Backflow Prevention Tester/Mechanic<br />

January 11, 12, 13, 2019<br />

Hours: 7:30 a.m. start.<br />

Thos. Somerville Co.<br />

1510 Tilco Drive<br />

Frederick, MD<br />

January 25, 26, 27, 2019<br />

Hours: 7:30 a.m. start<br />

Dundalk Community College<br />

7200 Sollers Point Road<br />

Dundalk, MD<br />

February 8, 9, 10, 2019<br />

Hours: 7:30 a.m. start.<br />

Thos. Somerville Co.<br />

1510 Tilco Drive<br />

Frederick, MD<br />

February 22, 23, 24, 2019<br />

Hours: 7:30 a.m. start<br />

Dundalk Community College<br />

7200 Sollers Point Road<br />

Dundalk, MD<br />

March 8, 9, 10, 2019<br />

Hours: 7:30 a.m. start.<br />

Thos. Somerville Co.<br />

1510 Tilco Drive<br />

Frederick, MD<br />

March 15, 16, 17, 2019<br />

Hours: 7:30 a.m. start<br />

Dundalk Community College<br />

7200 Sollers Point Road<br />

Dundalk, MD<br />

April 5, 6, 7, 2019<br />

Hours: 7:30 a.m. start.<br />

Thos. Somerville Co.<br />

1510 Tilco Drive<br />

Frederick, MD<br />

April 26, 27, 28, 2019<br />

Hours: 7:30 a.m. start<br />

Dundalk Community College<br />

7200 Sollers Point Road<br />

Dundalk, MD<br />

For additional information on available dates contact our office (410) 461-5977<br />

NOTE: To reserve your space in the class please be sure to register early. Applicants are accepted on a first-come first serve<br />

basis. Call (410) 461-5977 for a new schedule or visit us at www.marylandphcc.org.<br />

Re-Certification schedules are available by calling the M<strong>PHCC</strong> office at (410) 461-5977. Re-certification classes are offered at<br />

all of the above listed locations.<br />

The <strong>Maryland</strong> State Board of Plumbing requires the successful completion of an approved 32 Hour Backflow Training<br />

Course as a pre-requisite for the Journey/Master Plumber examination. The focus of this course shall be to develop a<br />

working knowledge of the causes and principles of the backflow and backflow prevention. Recognizing proper backflow<br />

prevention assembly application and operation is stressed. A complete understanding and ability to perform accepted field<br />

test procedures for all backflow prevention assemblies are required for Certification.<br />

BOOKS.. The University of Florida (TREEO) “Backflow Prevention Theory and Practice” book is used for the course. The<br />

book is included in the registration fees and is yours to take home.<br />

CERTIFICATION. A passing grade on the final written examination and a satisfactory completion of the “hands on”<br />

performance test will result in Certification. Certification is good for three (3) years. If you fail the course and are required<br />

to re-test you will be notified by the office, there is no additional charge for the re-test.<br />

REGISTRATION: Applicants are accepted on FIRST-COME FIRST-SERVED basis. Class size is limited to 15 persons.<br />

PAYMENT MUST ACCOMPANY APPLICATION. We accept the credit cards listed below.<br />

American Express Discover Master Card VISA<br />

18 <strong>Maryland</strong> <strong>PHCC</strong> Contractor <strong>Winter</strong> <strong>2018</strong>


<strong>Maryland</strong> Plumbing-Heating-Cooling <strong>Contractors</strong>, Inc.<br />

10176 Baltimore National Pike, Suite 205<br />

Ellicott City, MD 21042-3652<br />

(410) 461-5977 • fax: (410) 750-2507<br />

e-mail: phccmd@aol.com<br />

32-Hour Backflow Prevention Certification Course<br />

Cost: $425. <strong>Maryland</strong> <strong>PHCC</strong> Members / $550. Non - Member<br />

APPLICATION:<br />

1. APPLICANT please provide identification (listed below) along with your completed application<br />

and registration fees.<br />

2. ATTENTION: PLEASE PROVIDE THE FOLLOWING IDENTIFICATION WITH YOUR<br />

APPLICATION<br />

APPRENTICES - Copy of a valid <strong>Maryland</strong> Apprentice Plumber License<br />

JOURNEY - Copy of a valid <strong>Maryland</strong> State Journey License<br />

MASTER PLUMBERS - Copy of a valid <strong>Maryland</strong> Master Plumber License<br />

WSSC - OUT OF STATE PLUMBERS - Copy of your WSSC or State License<br />

STATE/FEDERAL GOVERNMENT - Copy of State/Federal issued ID card<br />

Name_________________________________________ Home Phone: (<br />

)____________________________<br />

Home Address _______________________________Last 4 Digits of Social Security No._____________________<br />

e-mail address:___________________Plumbing License held 0 Baltimore County 0 State 0 WSSC<br />

Please check<br />

City _________________________________________ State __________ Zip Code _________________ _____<br />

Signature: ___________________________________ Work Phone: (<br />

) ______________________________<br />

Company Name: ______________________________ Fax Number: (<br />

) ______________________________<br />

Class Location Requested:__________________________ Class Date: ____________________________<br />

Enclosed is my check made payable to <strong>Maryland</strong> <strong>PHCC</strong> in the amount of $__________.<br />

Credit Card # _____________________________ Expiration Date:__________ Security Code_________<br />

Name as it appears on Credit Card_________________________________________________________<br />

Billing address for credit card_____________________________________________________________ ______<br />

Street City State Zip Code<br />

AUTHORIZED SIGNATURE OF CARDHOLDER:__________________________________________<br />

PAYMENT: Payment must accompany the completed application. Please make check payable to <strong>Maryland</strong> <strong>PHCC</strong>.<br />

Mail to: <strong>Maryland</strong> <strong>PHCC</strong>, Suite 205, 10176 Baltimore National Pike, Ellicott City, MD 21042. Enclosed is my check<br />

in the amount of $________.<br />

CANCELLATION: What if I need to cancel? Applicants who cancel up to 10 days prior to the start of the course will<br />

forfeit 25% of the total fee to cover administrative fees. Cancellations less than seven (7) days prior to the start of<br />

class will forfeit all fees.<br />

<strong>Winter</strong> <strong>2018</strong><br />

<strong>Maryland</strong> <strong>PHCC</strong> Contractor 19

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