ISSUE 48 : APRIL 2013

WHAT YOU CAN DO TO HELP STOP THEM

PG 8 - 9

BAD DEBTS

BE AWARE WHEN YOU COMPAREPG 16 - 17

FRAME & TRUSS QUOTES

BUILDING BUSINESSTHE LATEST NEWS FROM YOUR BUILDING SUPPLIES SPECIALIST

READING BUILDING BUSINESS WILL CONTRIBUTE TOWARDS

YOUR LBP SKILLS MAINTENANCE REQUIREMENT. ENSURE YOU LOG THIS IN YOUR ITM DIARY TODAY.

APRIL 2013

EXCITING TIMES FOR V8 SUPERCARS

PG 5

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LEAKY BUILDINGSLEGAL RISK MANAGEMENT - THE MAIN RISK YOU FACE IN UNDERTAKING LEAKY HOME REPAIRS IS IF FURTHER LEAKS DEVELOP LATER ON DOWN THE TRACK, THE HOME OWNER WILL FILE A CLAIM AGAINST YOU. THIS ARTICLE WILL FOCUS ON HOW YOU CAN EFFECTIVELY MANAGE THIS RISK.

PROTECT YOURSELFLeaky home projects where the owner wants a cheap patch-up job done without a building consent are high risk and you should stay well clear of them. You want to undertake low risk projects where a reputable building surveyor has done a thorough investigation and prepared a report on the causes of the leaks, an architect has prepared plans and specifi cations for the repair work and a building consent has been obtained. Although the risk of future leaks is much lower in these projects, there will inevitably be occasions where even a consented repair job won’t turn out to be watertight in the long run. It therefore only makes good sense to protect yourself. There are fi ve main ways of doing that.

LIMITATION PERIODSLimitation periods are the fi rst point of protection; the law imposes time limits within which people must commence legal proceedings. For claims based on something that happened on or before 31 December 2010, if a claimant is going to bring a claim based on an alleged breach of contract, he has 6 years from the date when he says the relevant term of the contract was breached. For claims based on negligence (i.e. carelessness which caused someone loss that was reasonably foreseeable), the claimant has 6 years from the date on which the loss or defect became reasonably discoverable. For claims that are based on acts or omissions after 31 December 2010, where the claimant is seeking a payment of money, the

limitation period is 6 years from the relevant act or omission. But even after the 6 years have expired, if the claimant discovers (or should have discovered) that he has a claim, he has a further 3 years from then to fi le his claim. However, where the claim relates to building work, no claim can be brought more than 10 years after the act or omission upon which the claim is based.

SPECIAL CLAUSESSecondly, you can protect yourself against liability to the current owners by inserting special clauses in your building contract, which clearly defi ne your scope of work. The special clauses should provide that you are only hired to do the work shown in the plans and specifi cations, not to comment on them, nor to point out any potential defects either in the repair work or in the rest of the house that is not affected by the repairs.

INSURANCEThe third way of protecting yourself is to have an insurance policy that covers you against the risk and consequences of your own errors and omissions (mistakes). The fi rst relevant insurance policy is known as a guarantee (or surety) that is offered for example by members of the Certifi ed Builders Association and Registered Master Builders Federation. These products protect the owner rather than the builder and most do not cover weathertightness work; a ‘WaterTight Warranty’ is however now available. The second relevant insurance policy

IN THIS ISSUE

Legal Risk Management 2-3

Earthquake Repairs Guide 3

No.1 for Customer Satisfaction 4

ITM 400 Auckland 5

Safety at Heights 6

Power Tools 7

Stopping Bad Debts 8-10

ThermaKraft Branded Wrap 10

Pink® Batts® Greenguard 11

James Hardie Accel 12

Public Liability Insurance 13

ITM Fishing Show 14

ITM Fishing Competition 15

Frame and Truss Quotes 16-17

Watch Your Waste 17

GIB Aqualine® 18

Ecoply® Barrier 19

Trade Tools 20

CBANZ Conference 21

Building Industry Stats 21

Tradesites 22

Cemix 23

SERIES OF ARTICLES ON WEATHERTIGHT REMEDIATIONARTICLE FIVE OF NINE

For feedback contact: ITM Support Offi ce, PO Box 101556, Rosedale, Auckland. buildingbusiness@itm.co.nz, Ph: 09 415 2787

Written by Geoff Hardy and Gagan Tangri of Madison Hardy

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is known as Errors & Omissions (“E&O”) cover or “professional indemnity”. Unlike the surety products, this protects the builder rather than the owner. It covers you where you or your employees, contractors, subcontractors or suppliers have made a mistake, or put faulty components or materials into the building.

COMPANIES AND TRUSTSThe fourth way of protecting yourself is by way of limited liability companies and trusts. The whole idea of a limited liability company is to protect your personal assets from business risks. However you cannot abuse the privilege of limited liability; you cannot for example keep liquidating your company and replacing it with a new one for each leaky home job you undertake. Secondly, a limited liability company offers no protection against claims brought against you personally if you had “hands on” involvement in the remediation work (i.e. you worked on-site or issued instructions about how to do the remedial work). The necessary safeguard in such a situation (which is typical in small owner-operator businesses) can be provided by a trust. When you put an asset (such as your house) into trust and you become a trustee, you hold that particular asset as a custodian or guardian for the people who really own it, namely the benefi ciaries. For that reason, your own creditors can’t touch that asset, unless they can prove your trust is a sham, or you put your assets into trust for the purpose of defeating your creditors. So your trust has to be genuine and it obviously pays to create your trust when everything is rosy, rather than when the creditors are breathing down your neck

BE THOROUGHThe fi fth and possibly the cheapest and most effective way to avoid future liability for leaks, is to be thorough in your work rather than economical. These are the types of projects where overkill is more appropriate than economising. Hopefully you will be able to factor that degree of thoroughness into your pricing.

This article is not intended to be relied upon as legal advice. Please note that the views and opinions expressed in this article are those of Madison Hardy and do not necessarily refl ect the opinion or position of the Ministry of Business, Innovation and Employment – Building and Housing group.

EARTHQUAKE REPAIRS GUIDE UPDATED

This article was provided by Geoff Hardy and Gagan Tangri of Madison Hardy, a commercial law fi rm specialising in construction law. For further information please phone (09) 970 9569 or e-mail info@madisonhardy.com.

COMING UP IN JUNE The next article in this series will discuss health and safety in the context of remediation projects.

GUIDANCE FOR REPAIRING AND REBUILDING HOUSES AFFECTED BY THE CANTERBURY EARTHQUAKES HAS BEEN UPDATED AND REPUBLISHED IN A FORMAT WHICH IS BETTER FOR BUILDERS

The updated guidance, published by the Ministry for Business, Innovation & Employment (MBIE) on 31 January 2013, brings together three separate documents in one publication.

The updates refl ect new knowledge and options which will help the Canterbury rebuild. They include minor updates to sections dealing with repairs to damaged foundations, foundation options, superstructure repairs and subdivisions. The guidance plays a core role in the rebuild of Canterbury. It provides technical advice on foundations for houses in the Canterbury Green Zone plus advice on structural repairs, assessing earthquake damage to hillside properties and repairing retaining walls.

You can download an information sheet or the full updated guidance from the MBIE website.Go to www.dbh.govt.nz/canterbury-rebuild-info-sheets for the information sheet and www.dbh.govt.nz/guidance-on-repairs-after-earthquake for the full guidance.

guidance, published

which will help the

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Over 12,000 New Zealanders were surveyed month by month and ITM scored highest on eight of those months last year.

Debnath Guharoy, Asia-Pacifi c regional director for Roy Morgan, announced the awards at a presentation dinner in Auckland on March 1.

“ITM is focused on satisfying the needs of trade customers through a strong service ethic,” ITM chief executive Gordon Buswell confi rmed that it’s a key objective for the ITM group.

“Our storeowners have been with ITM for a long time, this means their team is stable and the retention of knowledge within the group is what makes us different. We see this as a real advantage. Because we are here to serve the tradespeople fi rst and foremost we make sure our stores have people who are thoroughly familiar with the building industry.”

During the presentation, Mrs Guharoy stressed the importance of customer service in the current environment.

“Never before has customer satisfaction been so critical. Social media such as Facebook and Twitter have given customers a megaphone to broadcast their praise or disapproval,” he said.

ITM NO.1 FOR CUSTOMER SATISFACTIONITM TOOK OUT TOP SPOT FOR 2012 IN THE HARDWARE CATEGORY AT THE ANNUAL ROY MORGAN NATIONAL CUSTOMER SATISFACTION AWARDS, OUTPERFORMING THEIR CLOSEST RIVAL BY A SIGNIFICANT MARGIN.

Paul Taylor, ITM Support Offi ce General Manager: Marketing and Operations receives the award from Pip Elliott, General Manager for Roy Morgan New Zealand.

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Five-time V8 Supercar Champion Mark Skaife is already a fan of the new Car of the Future which makes its New Zealand debut at the ITM 400 Auckland at Pukekohe Park Raceway on 12-14 April.

The Car of the Future is a major change for the sport, encompassing a fi xed chassis design and specifi cation for all cars. They are lighter, cheaper and safer and Skaife believes they will therefore handle better and provide closer, more exciting racing.

“It has certainly more than met my expectations,” said Skaife, who is the architect of the project.

“It is a fantastic new era for the sport being able to boast the manufacturing support of the incumbents in Ford and Holden, and they are as strong and as lively in the sport as they have ever been.

“And we have the two new manufacturers in Nissan Motor Co and AMG through Erebus Motorsport on the grid and that bodes well for a fantastic season and also bodes well for the future because there is other manufacturer interest as a consequence.”Skaife said testing showed the cars will be very similar.

“The performance of the cars at this point is very even. We did some aero testing and all cars had a down force within 2kg’s each other. We have got good driver comment back about the characteristics in the cars versus the previous cars. Now we are getting to the business end and people won’t know their comparative speeds until they roll out on to the Pukekohe circuit.”

IT’S A NEW YEAR. A NEW VENUE. NEW CARS AND A NEW ERA FOR THE SPORT.

EXCITING TIMES FOR V8 SUPERCARS

HEADING TO THE V8 SUPERCARS ITM 400 AUCKLAND?

Whether you’re on the ultimate boys trip or your whole family’s along for the ride. Head out on the Hauraki Gulf for jet boating, sailing and fi shing, good seafood at the waterfront restaurants or catch some of the other awesome events, from Robert Plant and Paul Simon to the Blues vs. Hurricanes and the ITU World Triathlon Series.

There are also some great fan events happening in Auckland to get you all revved up for the big show. Celebrate 50 years of motorsport with Pukekohe’s Golden Autoversary on Saturday 6 April, as Pukekohe’s main street transforms into a carnival, then hit Queen Street on Thursday 11 April and take in four great pit stop experiences along Auckland’s main drag where you can check out some classic V8 muscle cars, have your photo taken with the Auckland grid girls and test your skills on the driving simulators.

On race weekend walk the Fan Trail and follow the fun to Pukekohe Park Raceway – there’s heaps to check out, including smash-a-car competitions, street performers and more.

Visit AucklandNZ.com/V8Supercars for heaps of ideas to make your trip to Auckland one to remember.

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Free transport to Pukekohe with bus or train options for

ITM 400 ticket holders.

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The added vigilance has been spurred on by statistics that show more injuries from falls happen on residential building sites than any other workplace in the construction sector.

According to the Labour Group of the Ministry of Business, Innovation and Employment, more than half the reported falls are from less than three metres and most of these occur from ladders and single-storey roofs.

The current Health and Safety in Employment Act states that you must “take all practicable steps to ensure the safety of workers when they are exposed to the risk of a fall or where the hazard of working at height exists.”

HEALTH AND SAFETY INSPECTORS WILL BEVISITING SITES AND LOOKING CLOSELY AT:• Inadequate precautions to prevent falls from and

through single-storey roofs and other structures• Using ladders or trestles where an alternative

would be more appropriate eg scaffold, mobile elevating work platforms, or guard-railed temporary work platforms

• Using ladders unsafely, including defective or substandard ladders.

HOW WILL WORKSITES BE TARGETED?Worksite visits will not be at random. Health andsafety inspectors will use information and knowledge from a range of sources to target duty holders and worksites, including:• Information from construction clients who have

had prior warnings for falls-related breaches• Reviewing “What’s On” reports• Local knowledge gained through regular

patrolling of residential areas• Information from local authority building

inspectors who have identifi ed sites where they found no edge protection or scaffolding

WHO WILL BE TARGETED?• Builders, roofers, electrical workers, painters

and decorators who are at risk while working on roofs, ladders and unsafe working platforms

• Principals of the builders, roofers, electrical workers, painters and decorators who have been identifi ed as working unsafely

• Companies and tradespeople with a history of poor compliance with safe working at height practices

HOW WILL COMPLIANCE BE ASSESSED BY INSPECTORS?

Compliance will be assessed across three key areas:1. Hazard management (including hazard

identifi cation and control)2. Selection, use and maintenance of equipment3. Systems for the selection and control of

contractors

HEALTH AND SAFETY INSPECTORS HAVE BEEN ACTIVELY ENFORCING SITE SAFETY AS PART OF THEIR SPECIAL CAMPAIGN FOCUSED ON PREVENTING FALLS FROM HEIGHT

BLITZ TO PREVENT FALLS FROM HEIGHTS

Best practice guidelines for working at height in New ZealandAPRIL 2012

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PreventInG falls from height

0800 20 90 20www.dol.govt.nz/prevent-falls/

ISBN 978-0-478-39171-81

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■■ Introduction

Preventing falls from height is a priority for the Labour Group of the Ministry of Business, Innovation and Employment.

From 1 July 2012, health and safety inspectors will be enforcing the Health and Safety in Employment Act 1992 in the construction sector as part of the Labour Group’s Preventing Falls from Height project.

Falls while working at height contribute to an unacceptable number of serious harm accidents reported to the Labour Group. More than half the reported falls are from less than three metres and most of these occur from ladders and single-storey roofs. More injuries from falls happen on residential building sites than any other workplace in the construction sector.

Work at height must be actively managed so that people are not harmed or killed as a result. Doing nothing is not an option.

This document outlines the enforcement actions you can expect from inspectors if you are not working safely at height. It has been drafted in accordance with our Keeping Work Safe enforcement policy.

■■ Approach

The Health and Safety in Employment Act 1992 (HSE Act) sets out that duty holders must take all practicable steps to ensure the safety of workers when they are exposed to the risk of a fall or where the hazard of working at height exists.

To help bring down the death and serious injury toll resulting from falls from height, our health and safety inspectors will be visiting worksites to target enforcement where there is significant visible non-compliance. This includes worksites that are:

• taking inadequate precautions to prevent falls from and through single-storey roofs and other structures

• using ladders or trestles where an alternative would be more appropriate, for example scaffold, mobile elevating work platforms (MEWPs), or guard-railed temporary work platforms

• using ladders unsafely, including defective or substandard ladders.

If there’s a chance of a fall – from any height – precautions have to be taken. Health and safety inspectors will challenge any workplace that supports a view that no height hazard exists below three metres.

■■ How will worksites be targeted?

Worksite visits will not be at random. Health and safety inspectors will use information and knowledge from a range of sources to target duty holders and worksites, including:

• information from construction clients who have current prior warnings for falls-related breaches

• reviewing the regular What’s on Reports

• their local knowledge gained through regular patrolling of residential areas

• information from local authority building inspectors who have identified sites where they found no edge protection or scaffolding being used

• complaints, serious harm accidents and hazardous work notifications.

Inspectors will continue to visit the worksites of targeted duty holders until they are satisfied the duty holder is complying with the HSE Act. If another significant hazard is observed, it will be addressed in accordance with the Labour Groups’ Keeping Work Safe policy.

■■ Who will be targeted?

• builders, roofers, electrical workers, painters and decorators who are at high risk of falling from less than three metres while working on roofs, off ladders and unsafe working platforms

• principals of the builders, roofers, electrical workers, painters and decorators who have been identified as working unsafely (inspectors will proactively identify and engage with principals regarding compliance issues)

• residential construction, but not exclusively

• duty holders with a history of poor compliance with safe working at height

• large companies with a history of poor compliance and poor contractor management with safe working at height

ProACtiVe eNforCemeNt APProACh to PreVeNtiNg fALLS from height

For a copy of the Best Practice Guidelines for working at height in New Zealand, go to http://www.osh.govt.nz/publications/booklets/working-height/index.asp

The penalties and ramifi cations for not complying with health and safety regulations are signifi cant. For more detail on the enforcement action that will be taken, go to http://osh.govt.nz/publications/factsheets/heights/prevent-falls-enforcement-approach.html

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Raise health and safety levels onsite by working with your local Site Safe Safety Advisor. Go to www.sitesafe.org.nz or call 0800 SITE SAFE.

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Unfortunately, people in this situation are the ones most likely to end up with bad debts or long disputes that can cripple their small business before it even gets off the ground.

With the help of one of New Zealand’s largest debt collection agencies, ITM has put together some simple guidelines for tradespeople starting out in the business of building.

UNDERSTAND THE BASICSThe most important thing is to ensure that you and your customer have a clear understanding of what services you will provide, the cost and how they will be paid for.

These details, including a defi ned payment plan, should be recorded in writing and signed by both parties. If you don’t have this basic documentation, you will be at a signifi cant disadvantage when it comes to a dispute, although you will still be able to rely partially on the Construction Contracts Act.

• Virtually everybody who works in the building industry is subject to the Construction Contracts Act (CCA), a law that prohibits certain unfair practices that used to be common in the industry, and makes it easier for you to resolve disputes with your clients and to get paid – as long as you use it and quote it.

• The CCA provides you with a special process that you can use – in addition to your other legal rights – to fl ush out those clients who don’t have a genuine reason for withholding your money. This involves making your invoices into payment claims under the CCA (see the fi nal paragraph at the end of this article for the steps you have to take).

• If the client disputes the invoice (or schedule of invoices), they can provide you with a payment schedule identifying the reason(s) for the dispute and what amount they are prepared to

pay. If they do that within 20 working days (or whatever shorter period your building contract stipulates), then you can’t use this special process to recover the disputed amount from them.

• But if they do not send you a payment schedule in time, they are liable for the full amount of your invoice. If they do send you a payment schedule, but don’t pay the undisputed amount when it is due, they are liable to you for that undisputed amount.

YOUR TERMS OF TRADEFor most businesses, their Terms of Trade are the small print you will see on their credit application forms and quotes. These defi ne the rules they want to govern their relationship with their customer. For instance, they should deal with such things as:

1. The number of progress payments under the contract.

2. The gap between those payments.3. The amount of each of those payments.4. The date when each of those payments

becomes due.

Geoff Hardy, a commercial lawyer who specialises in construction law and also serves on the CBANZ Board, says that in the case of builders, their terms of trade are their building contracts.

“It would be dangerous for them to have separate terms of trade”, says Geoff, “because there would be uncertainty and inconsistencies between the two documents. It is about to become mandatory for residential builders to use written building contracts so the old days of building a house on a handshake are about to go.

STOPPING BAD DEBTSMANY SKILLED TRADESPEOPLE EMPLOYED DURING BOOM TIMES NOW FIND THEMSELVES AS SOLE TRADERS OR SUB CONTRACTORS, FORCED TO MANAGE THEIR OWN BUSINESSES, A SKILL THEY NEVER LEARNT IN THEIR APPRENTICESHIP DAYS.

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“Fortunately, there are plenty of standard building contract forms in common use that are readily available. CBANZ, Master Builders, Standards New Zealand and the NZIA have paid highly experienced lawyers to develop sophisticated building contracts that are being continuously improved, so it pays to use them.”

If your business is trading in the building arena in highly specialised areas, it is a good idea to seek further advice, says Bruce Dunlop from National Revenue Corporation, which operates the Tradesmart Terms and Conditions programmme.

“We dealt with a drilling company where special clauses were developed to take account of the potential liability that might arise through unexpected ground movement, erosion, or the accuracy of geotechnical and engineering reports.

“That’s why we like to talk to people and work through exactly what they do and how they do it.

“You only need to do it once and then you can apply the same agreement to all your jobs and customers, which helps improve the effi ciency of your business admin - and the bottom line is it helps you get paid.”

PAYMENT DISPUTESMost problems with payment in the building industry come down to disputes about what the client expected and what the contractor delivered, says Geoff.

“About 90% of our work is dispute-resolution or debt collection for builders. Homeowners refuse to pay because they are dissatisfi ed with the builder and they have decided to withhold payment as leverage.

“The problem is when you fi rst meet a client and you are both excited about the prospect of a new project, it is usually very diffi cult to tell how that person is going to behave when the honeymoon is over and tensions start to emerge.”

Bruce adds “Also be aware that some customers have no intention of paying or paying full price, they deliberately defraud and try to cheat using many devious and underhanded tactics. Be aware that the legal stuff can be used against you if you choose not to protect your business with robust Terms. The cost in lost time, productivity, penalties, and reduced profi t margins often can’t

be recovered and the business owner ends up working for less or even nothing.”

These same issues can occur between the builder and a sub contractor as well where the standard of work is not to the level the builder requires. In both situations, there are some clearly defi ned steps you can take under the CCA.

“The option that we have had a lot of success with lately is known as adjudication under the Construction Contracts Act,” says Geoff. “It has a number of advantages, not the least of which is that the adjudicator is an expert in building projects or construction law, so they won’t be fooled by irrelevant or contrived claims.

“Because of the tight time frames specifi ed under the CCA, you can usually get a ruling within three months, if you act decisively. And there is no

hearing involved – you simply fi le your claim, the other side fi les their response, and then the adjudicator issues a written ruling.

“If there is a genuine dispute and you are only arguing about $15,000 or less, you can fi le a claim in the Disputes Tribunal. This is a quick, cheap and informal process that doesn’t involve lawyers, although they can help you behind the scenes.

However the downside is that the Referees in the Tribunal are not construction experts and sometimes they are too easily swayed by consumer grievances that have no actual or legal merit.”

CHASING UP LATE INVOICESThere is an age old rule about overdue invoices and that is the longer you put off doing something about it, the greater the chance of you not collecting the money at all. “We see it time and time again,” says Bruce. “When people have been stalled and made excuses too, and they keep putting off taking action, when they fi nally come to us, they’re up against it with cash fl ow problems and desperate for a solution.

“Don’t put it off. Don’t be shy to ring and ask where your money is.”

“Prior to the 2002 Construction Contracts Act, people were typically on a ‘pay when paid’ basis. This meant that customers could delay all payments until they themselves had been paid. Some people still think this is the case and are

Thermakraft branded wrap comes in the following colours: Blue, Green, Red, or Black. It can be printed on 2740mm and 1370mm sizes.

MINIMUM RUNS:• 2740mm – 26 rolls • 1370mm – 26 rolls.

Thermakraft branded wrap is single colour only, and is printed in Auckland at the East Tamaki head offi ce, not overseas. Plate set up for a branded wrap is free, this cost is usually anywhere between $1100 and $1600, depending on the logo.

Please note, once your order has been printed and rewound into the required size your complete stock will be delivered in full. The printing and rewinding process usually takes 5 -7 working days once all plate proofs have been fully checked and signed off by you. Thermakraft’s only stipulation is that you take the entire order at once, and that you re-order two more times over the next 30 months.

Thermakraft’s brand name and BRANZ Appraisal also appears on the wrap, but only two 50mm strips at the bottom and top of wrap, leaving 90%+ coverage for your branding.

For more information talk to your ITM Sales Rep or call Thermakraft on 0800 806 595.

STAND OUT AND BE NOTICEDWHAT EASIER WAY TO ADVERTISE THAN WITH THERMAKRAFT’S ONE COLOUR CORPORATE BRANDED WRAP.

easily fobbed off by saying, ‘I’ll pay you when I get paid’.

“Some tradespeople don’t understand the legal status of payment claims and regard chasing up invoices as ‘too hard’. This is unfortunate, as the law is often on their side.”

SHOULD YOU DO A CREDIT CHECK?If you’re acting in a sub contractor role and dealing with a customer that you haven’t worked with before, someone who is new to town or a company that has been in business for a just a short time, a credit check is a good idea.

“You need to ask around and make some phone calls to establish their credibility as well as their credit worthiness,” says Bruce.

“Unfortunately, there are people who deliberately go into a project with no intention of paying you. They’ll strip the company, liquidate the company and say ‘I’ll take my profi t out of it but sorry, there’s nothing for you.’

“Usually, you will see the signs of this attitude in a background check.”

INVOICE DETAIL CRUCIAL

Under the CCA, you must include

this detail in your invoices:

• Invoice must be in writing.

• Provide suffi cient detail to

identify the construction

contract to which the progress

payment relates.

• Identify the construction work

and the relevant period to

which the progress payment

relates.

• The amount and the due date

for payment.

• Indicate the manner in which

you calculated the amount.

• State that it is made under the

Construction Contracts Act.

• If a payment claim is to be

given to a residential occupier

of a property, it must include

a notice setting out what the

customer must do in response

to the payment claim.

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CHECK THE FINE PRINT OF YOUR PUBLIC LIABILITY INSURANCEPUBLIC LIABILITY INSURANCE IS ONE OF THE MOST IMPORTANT POLICIES THAT ANY TRADESPERSON SHOULD HAVE.

It protects you from the liability and cost of damaging other people’s property while you’re on the job, and in some cases, causing them injury. But like any insurance policy, the detail is important.

Most public liability policies include what are known as “exclusions”. These are standard clauses, often in fi ne print, that make it clear what things are not covered by the policy.

First up, let’s look at the common “exclusions”. These are usually in every policy, although some of them are things you generally won’t have to worry about, (for example the risk of nuclear radiation).

In the next issue of Building Business, we will go into more detail about the “exclusions” that are more relevant to builders and tradespeople.

COMMON EXCLUSIONS IN MOST PUBLIC LIABILITY POLICIES

Asbestos. Asbestos related legal issues are complex and generally take a long time to resolve, and are therefore very expensive. Insurers are unwilling to take on this risk and

have “excluded” any loss related to asbestos. Asbestos exposure could be an increased risk in Christchurch reconstruction work.

Pollution. The cost of air, water and ground pollution, and cleaning it up, are “excluded” from most policies. Some will still cover a specifi c event if it is sudden and unintended.

Employee injury. Injury to an employee when they are working for you is “excluded”. The ACC scheme is intended to cover this.

E-Commerce. Anything relating to damage to, or loss of, electronic data, networks, email, websites, software or the use of computer equipment, is not covered.

Vehicles, boats & aircraft. Claims for damage from owning, working on, or using vehicles, most watercraft and aircraft, are not covered. So damage caused by your vehicle or trailer is “excluded”, as it would normally be covered by your commercial vehicle insurance.

Terrorism, war or civil uprising. Most policies have standard “exclusions” to cover these events, but fortunately in this country, you probably don’t need to worry.

This article is intended to clarify some of the “exclusions” contained within most general/public liability policies available from major insurers in New Zealand. Some exclusions can be removed or altered, but you need to get professional advice. This article is not comprehensive and should not be relied upon as legal advice.

Builtin New Zealand is a specialist in construction liability insurance, with policies tailored to meet the needs of builders and tradespeople. For more information visit www.builtin.co.nz/Insurance or email Ben Rickard at ben@builtin.co.nz or call him on (07) 579 6259 or 0275 212 014.

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I can understand the disbelief because I feel the same way. Over two hundred episodes later it still feels like we’re just a little number 8 wire television production company trying to mix it with the big boys in the television industry – and I guess we are.

WHAT HAVE WE DONE IN THOSE TEN YEARS?Series one featured underwater footage of a huge snapper eating a live kahawai. Series two saw twenty one marlin caught in a single day, with one eaten by a giant squid. A giant black marlin, the biggest I’ve ever seen, was eaten by tiger sharks on the Great Barrier Reef in series three. In a couple of reality TV spoofs we survived on ‘Snapper Island’ as well as converting a couple of bikini models into hardcore anglers in ‘Extreme Fishing Make Over’. A marlin caught on a hand line out of my dinghy kicked off ‘Stunt Fishing’ and was soon followed by ‘Marlin on a Jetski’, then a surfboard, the buzz peaked when the ‘Gannet Man’ stunt went global. We’ve been to Alaska to hunt for ‘Angry Hal’, to Oman for giant yellowfi n, Australia’s Great Barrier Reef three times for giant black marlin, and we’ve explored nine Pacifi c Islands.

We’ve used remote controlled helicopters, tow cams, kite cams, and a plethora of underwater cameras all custom rigged in the shed to capture that special shot. We’ve used a rag as our only bait, an electric fence reel for big game fi shing and a wood chipper as a mega burley machine. And yet the ideas, challenges and goals are more than we could possibly complete in another ten years.

THE KIWI WAYAs a group of passionate fi shers, we set out to fi lm and produce television shows we think will be really cool, and in doing so with each series we’re

trying to lift the bar, not just for our audience, but for ourselves. The process works like this, someone says “man it would be cool to see how a hapuku or bass takes a bait 200 metres below the surface” and that kicks off a process of trying to fi gure out how we’ll fi lm it. We don’t have the luxury of having the budget, manpower and months of fi lming time to get our shot like the BBC or Discovery Channel, but we give it a crack regardless.

SERIES TENThe deep water footage will feature in series ten, and along with what I believe is the best footage we’ve ever shot on a recent trip to Nova Scotia Canada; without giving too much away, the smallest fi sh we caught was almost 400kg, wait until you see the big ones!! While here in New Zealand we’ve uncovered some locations we’ve never fi shed before, I tick off several fi rsts’ right here in NZ, and even develop a new technique to catch a favourite kiwi saltwater fi sh.

I can’t wait to see the reaction to some of our latest footage, so make sure you check it out. New series kicks off on May 4th in our old timeslot of 5.30pm Saturdays on TV3. So till next time - I’ll see you on Saturday arvo’s.

Keep ‘em tight

Matt

TEN YEARS, REALLY!? IS THE TYPICAL REACTION TO THE NEWS THAT WE’RE ENTERING THE TENTH SERIES OF THE ITM FISHING SHOW.

TEN YEARS! REALLY?

NEW SERIES

Starts 4th May5.30pm

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It was an action packed weekend in Whitianga for 93 anglers. Though the big marlin proved elusive, one team managed to catch a mahimahi and there were plenty of snapper, kingfi sh, kahawai, and tuna landed.

The tournament emphasis is on taking photos, measuring the length and releasing, rather than using weight to work out the best fi sh. An initiative of Matt Watson, it proved an excellent format for an exciting competition with the $50,000 worth of prizes getting shared around the teams.

ITM FISHING COMPETITION WHITIANGA 2013

16

For inexperienced builders and DIYers who aren’t familiar with how things work, there are some major pitfalls when reading frame & truss quotes.

One of the most common mistakes is going straight to the bottom line of the quote/estimate and not taking time to check the detail. The big issue here is that quotes from the various suppliers are provided in different styles and formatted layouts.

Within those different styles are also many variations as to what is included and what is excluded. This can lead to much confusion, and make it diffi cult for the customer to accurately compare one quote with another on an “apples for apples” basis.

DOUBLE CHECK THE PLANSYou would naturally expect that a quote for frames and trusses would include all of the components required to complete the required structural framework of the building.

However, the fact is that the frame and truss quote is based solely on the information in the plans and specifi cations provided, and unfortunately, the quality and accuracy of information on the plans can frequently be unreliable.

For example, the description of material content required in some cases may be at odds with the requirements of the Building Code and other regulatory conditions. In most instances, the building material supplier producing the quote may

make adjustments to the material schedule and specifi cations to align it with the requirements of NZS 3604.

But, it is ultimately the responsibility of the customer to ensure the plans meet the regulatory conditions and you shouldn’t rely on building supply estimators to do it for you.

In other words, it is up to you to thoroughly check that the plans and specifi cations you are working with comply with the building code.

TREAT EVERY TAG AS A RED FLAGPretty much every quote or estimate submitted by a building supplies merchant will include some “tags” that qualify the price. Study them carefully. In fact, the best advice is to “treat every tag as a red fl ag” because they can have a signifi cant impact on the price you accept and what it will ultimately cost.

Here are some examples of common tags: • Any amendment to plans subsequent to quoting,

changes that may be required to achieve compliance with regulations, will be subject to extra price – or may affect the quoted price.

• Material requested in addition to quoted quantities will be charged extra to the quoted price (this applies especially to non-fabricated timber items).

• Estimate only

FRAME AND TRUSS QUOTES BE AWARE WHEN YOU COMPAREMOST EXPERIENCED BUILDERS ARE SAVVY WHEN IT COMES TO COMPARING QUOTES AND CAN EASILY SPOT DISCREPANCIES IN WHAT IS INCLUDED AND WHAT IS NOT.

“One of the most common mistakes is going straight to the bottom line of the quote/estimate and not taking time to check the detail.”

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Along with the frame and truss quote, the supplier may attach their pricing for other materials such as sub-fl oor framing, fl ooring, weatherboards and the like.

Accordingly, these “quotes” will commonly be tagged with “ESTIMATE ONLY”. This protects the supplier from claims for short-supply of materials. The reality is that estimates from a number of suppliers may vary signifi cantly in the quantity detail when compared one against the other.

SMOKE AND MIRRORS?It has been suggested by industry commentators that some building supplier quotes/estimates are produced with an intentional “smoke-and-mirrors” strategy in an effort to display a (perceived) competitive price for bottom-line comparison against others.

Often the customer will simply look at the bottom line total price of the various quotes and make their buying decision based on that, without examining the detail of exactly what is included in each quote.The aim of all ITM stores and fabrication plants to provide customers with clear and unambiguous quotes and estimates, with total integrity regarding compliance issues, accuracy and transparency.

If you’re unsure of any aspect of a quote or estimate you receive from ITM, don’t hesitate to phone and get clarifi cation. If you have diffi culty comparing quotes from other materials suppliers, ditto. Bring them in and we’ll go through them with you.

BIN TYPE SIZE USE

3.0 cubic metre open top gantry bin (3.3L x 1.5W x 0.6H)

Hardfi ll*1 - Up to 3 tonnes

General waste*2

Up to 1.5 tonnes

9.0 cubic metre open top gantry bin (3.3L x 1.5W x 1.8H)

General waste*2 Up to 1.5 tonnes

10.0 cubic metre open top smartskip bin (4.4L x 2.2W x 1.4H)

General waste*2 Up to 1.6 tonnes

15.0 cubic metre open top smartskip bin (4.4L x 2.4W x 1.8H)

General waste*2 Up to 2.5 tonne

Port-O-Let Model 88 (Waterless) (2.1H x 1.2W x 1.2D)

WATCH YOUR WASTEORDER WASTE SERVICES DIRECT FROM ITM AND CHARGE IT TO YOUR ITM ACCOUNT

SOME SERVICES ARE NOT AVAILABLE IN ALL AREAS. FOR OTHER BIN SIZES - PLEASE ASK INSTORE

SPECIAL NOTES: 1. Hardfi ll/Cleanfi ll includes concrete, asphalt, masonry blocks, bricks, rocks, soil & clay. 2. General waste excludes hardfi ll/cleanfi ll and hazardous waste such as explosive, noxious, illegal or dangerous materials. 3. See your local ITM store for more details.

WASTE MANAGEMENT

ASK INSTORE FOR AN OBLIGATION FREE QUOTE

Common examples of misleading detail• Incorrect wind/snow zone information • Structural beams, included or not • Garage door beams, included or not• Studs quoted at 600mm centres, when

they should be at 400mm centres• Number of rows of nogs • Nogs to roof structure where shingle roof

is to be used• Balance of roof framing required, over and

above any fabricated roof trusses• Quoting SG 6 framing (code-acceptable

in some parts of the building) while others quote SG 8

• Ceiling strapping will be included in some quotes, but not in others

• Basic terminology describing materials e.g top plate packer /perimeter strapping may be different

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PROTECT YOUR CUSTOMER'S BATHROOM WITH NZ'S N0.1 WET AREA LININGMORE BUILDERS USE GIB AQUALINE® IN WET AREA ROOMS SUCH AS BATHROOMS, LAUNDRIES AND KITCHENS, THAN ANY OTHER LINING*AND FOR GOOD REASONS:

For more information on correct installation of these products, refer to the GIB Aqualine® Wet Area Systems literature and the GIB® Site Guide. Alternatively, contact the GIB® Helpline on 0800 100 442 or visit gib.co.nz. Our experienced technical team can provide you with all the support you need to complete your project.

100 vests to giveaway, only while stocks last.Qualifying products are GIB Aqualine® 10mm and 13mm.

• Water resistant core – specifi cally designed for wet area walls and ceilings, with special polymers to help prevent moisture penetration

• Ideal tiling substrate – the fi breglass in the core gives added strength that easily supports the weight of tiles. GIB Aqualine® is NZ’s most preferred tiling substrate for bathrooms and laundries

• Proven protection from moisture damage# – installed in over 500,000 wet area rooms in the last 10 years*, GIB Aqualine® has proven itself making it your best insurance against future liability and expensive call-backs.

*Winstone Wallboards BRANZ Trade Survey June 2011.#GIB Aqualine® must be installed and maintained strictly in accordance with all requirements detailed in the current GIB Aqualine® Wet Area Systems literature.

Promotion valid until 12th of May or while stocks last. See in-store for more details.

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while stocks last.Qualifying products while stocks last.while stocks last.

SPEND $999 (EX GST)OR MORE ON GIB AQUALINE® AND GET A

FREE OIL SKIN VEST

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Building smarter, quicker, and more effi cient is the mantra of any good builder. Let’s face it we’re all on the hunt for products and new ways of doing things that make our lives easier.

Available from your local ITM, Ecoply Barrier is a full sheathing system developed to signifi cantly speed up the construction of a new house build.

Ecoply Barrier could save 2-4 weeks off the total house build time, by allowing a faster building close in, for an earlier interior start and a quicker overall build time compared to traditional building wrap construction. Ecoply Barrier installs quickly with two easy steps – fasten the panels and tape the seams. Once completed, the system provides moisture protection both during and after construction.

The Ecoply® Barrier system contributes to greater comfort and energy effi ciency by restricting air movement paths between panels and components. And because Ecoply Barrier is structural plywood manufactured to AS/NZS 2269, it is suitable for use in earthquake and wind bracing systems designed and constructed in accordance with NZS 3604, NZS 3603 and AS/NZS 1170.

“Air sealing the building envelope is one of the most critical features of an energy effi cient home” –The Engineered Wood Association APA

Ecoply Barrier lets you say goodbye to housewrap forever. Builders no longer have to worry about installing traditional housewrap or building paper on a windy day or having to return for re-work due to unforeseen rips or tears.

A rigid air barrier acts as a secondary line of defence against water penetrating into the wall system – the primary defence being the exterior wall cladding.

BRACE FOR THE FUTUREBUILD FASTER MORE ENERGY EFFICIENT HOMES. INTRODUCING ECOPLY® BARRIER - RIGID AIR BARRIER SYSTEM.

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OFFICIAL ITM 400 T-SHIRTWhen you spend $150 or more on any product featured on this page.

BENEFITS OF ECOPLY® BARRIER:• Schedule your internal subcontractors

sooner. Your houses will be fi nished faster and sold sooner.

• Sheathing provides a more robust cavity and prevents the insulation bulging, which would increase the chance of water bridging from the cladding to the framing line.

• 180 day exposure during construction cycle. No hold-ups while the cladding has to be installed i.e. brick layers etc.

• Provides both structure support and protection from moisture. Structural bracing is achieved when installed as per Ecoply® bracing specifi cations. Bracing benefi ts may result in cost savings by reducing internal bracing elements. A structurally more rigid home (Important in Earthquake prone regions)

• No call backs for rips, tears or wrap that has blown off.

• Solid material for sealing around penetrations.

20

Tradepro WheelbarrowCarpenters Nail Bar

Master Chippie Split Leg Tool Belt

• 300mm• Made from high carbon steel#DG300

• New and improved• Heavy duty suede• 4 large front pockets• Added lined chisel holder + ruler/ pencil pouch• 38mm webbing belt #AC13S

$209

$6950 EXCL GST

TRADE TOOLS

$4250 EXCL GST

First Aid Kit

$2990 EXCL GST

Hi-Vis Vest

$10 EXCL GST

• Day/night use• Zip front fastening • Top pocket with velcro • Colours: orange or

yellow #HVDNO#HVDNY

EXCL GST$2980 EXCL

GST

Tradesman Ratchet Tiedowns

FREE

OFFICIAL ITM 400 T-SHIRTWhen you spend $150 or more on any product featured on this page.

Tools not included

#AC13S

Tools not included

• 5m x 25mm• Break strength:

1000kg• Wide grip

rubber handle#TWMR5 - Twin pack

Top pocket with velcro

BONUSDurable

carry bag

FREEMulti tool with each barrow purchased

1.2m Fatmax Box Beam Level

• MaxEdge™ bridged centre vial for continuous marking surface and durability

• Single-piece, aluminium box-beam structure• Large ergonomic rubber over-moulded hand grip#43-548

$5950 EXCL GST

$209 EXCL GST

Multi tool with each barrow purchased

• Control-pour spout• Fully galvanised rust free frame• 90 litre poly tray• Handle slots for holding long tools#1390065

• 1-2 person kit• Designed for the general

construction industry.#FAK209240

30m Fatmax Chalk Reel

• Includes chalk reel and 4 oz. bottle blue chalk

• Water-resistant, high-impact case

• Chalk view™ sliding door for quick refi lls

#47-681

$1990 EXCL GST

4 oz. bottle blue chalk

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There will be three major learning streams; Business, Building and Healthy & Safety, with four educational workshops in each stream as well as a prominent guest speaker on each topic in the Friday plenary session.

With 30 trade stands in the impressive expo area of the Marlborough Convention Centre, there will be lots of product updates and freebies to catch your eye.

Networking is an integral component of the Certifi ed Builder Conference, there will be two Tools-Down Happy hours, a crazy gala dinner and

a relaxed Friday Night Mingler kindly sponsored by ITM - you are sure to have a fabulous time in Blenheim.

For more Certifi ed Builders conference information please contact Eve@certifi ed.co.nz or go to www.certifi ed.co.nz.

THE BEST TOOLS TO BUILD YOUR BUSINESS

15th Annual Certifi ed Builders Conference

17th & 18th May 2013 - Blenheim, Marlborough

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THIS YEAR’S CERTIFIED BUILDERS CONFERENCE IS FOCUSING ON UP SKILLING AND ADDING THOSE EVER-IMPORTANT TOOLS TO YOUR TOOLBOX.

In November last year, statistics New Zealand reported 1,658 building consents in the month, which was 20 per cent higher than November 2011.

“We have seen continuous steady growth in the trend for the number of new houses consented,” said industry and labour statistics manager Blair Cardno.

The most recent fi gures – for the year ended January 2013 – show consents for new dwellings (excluding apartments) were up 23% in number and 32% in value compared with the previous year.

While the upturn will be felt most strongly in Canterbury and Auckland, the spillover affect will become evident in other areas as building gathers pace in response to fundamental supply and demand needs, say building industry commentators.

New Zealand should be building in the order of 20,000 – 25,000 new homes per annum to maintain its housing stock and population growth, and we have been well below those levels for the last fi ve years.

A survey in January this year showing consumer confi dence rose to a 32-month high.

“There’s pretty consistent evidence that activity picked up in late 2012 in a number of areas,” said Michael Gordon, economist at Westpac Bank.

“People are taking a bit more notice of the relative growth story for New Zealand. We stack up well to the likes of the US and Europe and even with Australia, there’s a bit of a gap opening up.”

OPTIMISM UP ALONG WITH CONSENTS

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A North Shore web development company has released a new website builder and directory site for tradespeople www.tradesites.co.nz. The web builder gives tradies the opportunity to build their own multipage website using simple template options at a cost of only $29.95 (ex GST) a month.

SUPER SIMPLEMatt O’Dea, the man behind tradesites.co.nz explains “the idea was to create something super simple that tradies could do themselves, as fewer and fewer people can afford an expensive website especially with the current economic situation”.

THREE SIMPLE STEPSTradesites.co.nz is a simple three step system that allows you to sign up for a free trial, select a template, input your data and go live. It has search engine optimisation built in so people can fi nd your site when they search for your trade on Google or Bing. “People are searching and researching services online more and more, the Yellow Pages alone no longer cut it and if you don’t have a website you are simply losing opportunities and business” explains Matt.

WEBSITE TIPSMatt also gives Tradies and small business owners out there the following tips to get your site noticed and keep people engaged:1. Put your website address on all your printed material, car signage and licence plate surround. 2. Your website needs to be fast to load, and able to be viewed on smart phones and tablets

3. Information needs to be kept relevant and informative.

4. A professional design and layout is crucial as it gives the user confi dence in you and your business.

5. Make sure your website is listed on powerful directories like Finda and Yellow.co.nz.

TRADESITES.CO.NZ

“A fl ashy website company quoted me $7,000 for a basic website, one of my contractors recommended I create my own website on Tradesites. It couldn’t be easier - my wife adds text and updates my project photos and I pay less than $10 a week!”

P. DragicevichDragicevich Kitchens Ltdwww.dklkitchensltd.tradesites.co.nz

KIWI WEB COMPANY HELPS NZ TRADIES WIN MORE BUSINESS.

Sign up for your free trial at www.tradesites.co.nz

SPECIAL ITM OFFERUse this voucher code: ITMTS to purchase a plan for one year for $14.95 (ex GST) per month, thereafter $19.95 per month.

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FOR YOUR NEAREST ITM STORE PHONE 0800 FOR ITM ITM.CO.NZ

MAKE A TIME TO SEE A SPECIALIST

PRODUCTS ON PROMOTION: All prices exclude GST. Prices are valid from 1st April - 12th May 2013, unless specifi ed otherwise. Some products may not be available in all ITM stores, but can be ordered in for customers. FREE ITM 400 T-SHIRT CONDITIONS: Applies to purchases made between 1st April - 12th May 2013 or while stocks last. Please note that the $150 (excl GST) qualifi er for the ITM 400 T-SHIRT applies to each supplier’s product featured and cannot be made up of smaller amounts spent on individual supplier’s products e.g. Customers will qualify for a giveaway if they purchase $150 of Hitachi products, NOT if they purchase $100 of Hitachi power tools and $50 on Cemix products. Purchases must be made on one invoice/account. Offer is limited to two per customer. All prices exclude GST.

NORTHLAND Dargaville ITM Building Centre 09 439 8730 Far North ITM 09 406 0048Whangarei ITM 09 437 9420 Waipu ITM 09 432 0203

AUCKLANDAlbany ITM 09 415 6889Dayle Avondale 09 828 9791 Dysart Timbers ITM Building Centre Drury 09 294 9410 Dysart Timbers ITM Building Centre Glen Innes 09 521 3609Hillside ITM Building Centre Glenfi eld 09 443 8101MacClures ITM Building Centre Henderson 09 836 0088 Mahia ITM Building Centre Takanini 09 267 0234Matakana ITM Building Centre 09 422 7525Pinepac Kumeu ITM 09 412 8148Pinepac Swanson ITM 09 832 0209Pinepac Whenuapai ITM 09 416 8164Smith Timber ITM East Tamaki 09 274 4942Tuakau ITM 09 236 8226Waiuku ITM 09 235 7289 Weck's ITM Patumahoe 09 236 3684

WAIKATO/BAY OF PLENTYAcorn ITM Building Centre Riverlea 07 856 6789Cambridge ITM Building Centre 07 827 0953Katikati ITM Building Centre 07 549 0689Matamata Post and Rails ITM 07 888 8189 Opotiki ITM 07 315 5984Oregon ITM Mount Maunganui 07 575 3126Oregon ITM Papamoa 07 542 9005Oregon ITM Te Puna 07 552 5770OTC Timber ITM Otorohanga 07 873 8079Rotoma ITM Building Centre Rotorua 07 347 7023Taupo ITM Building Centre 07 378 9899Tauranga ITM 07 541 1232

Thomsons ITM Building Centre Te Rapa 07 849 3674Thomsons ITM Building Centre Whatawhata 07 829 8518Timmo’s ITM Building Centre Te Awamutu 07 871 7545Triangle Timber ITM Building Centre Tokoroa 07 886 6611Whakatane ITM Building Centre 07 307 0031

COROMANDELBargain Boards ITM Kopu 07 868 9829Barrier ITM Building Centre 09 429 0466Coromandel Timber ITM 07 866 8848Pauanui ITM 07 864 8579

CENTRAL NORTH ISLANDHometown ITM Building Centre Foxton 06 363 8049 Manawatu ITM Building Centre Palmerston North 06 356 9490New Plymouth ITM Building Centre 06 758 8939Rural ITM Building Centre Feilding 06 323 3400Rural ITM Building Centre Marton 06 327 5458 Standard Timber ITM Stratford 06 765 7800T. Braithwaite ITM Taumarunui 07 895 6881Tumu ITM Building Centre Dannevirke 06 374 4260 Turangi ITM Building Centre 07 386 5736 Waitara ITM Building Centre 06 754 8822

HAWKES BAYTotal ITM Building Centre Hastings 06 879 7850Tumu ITM Building Centre Gisborne 06 868 9599Tumu ITM Building Centre Hastings 06 873 0999Tumu ITM Building Centre Havelock North 06 872 7100Tumu ITM Building Centre Napier 06 872 6222 Wairoa ITM 06 838 7332

WELLINGTON/WAIRARAPABuilding World ITM Wainuiomata 04 939 4486Crighton ITM Building Centre Greytown 06 304 7193Crighton ITM Building Centre Levin 06 368 4057Crighton ITM Building Centre Paraparaumu 04 298 9726

Crighton ITM Building Centre Seaview 04 568 3896Northpac ITM Building Centre Newlands 04 478 5489Parapine ITM Building Centre Upper Hutt 04 527 6800 Tawa ITM 04 232 5999Tumu ITM Building Centre Masterton 06 370 6060

NELSON/MARLBOROUGHBlenheim ITM 03 578 3049Havelock ITM Building Centre 03 574 1018Kaikoura ITM Building Centre 03 319 5447Motueka ITM Building Centre 03 528 7254Nelson ITM Building Centre 03 548 5487Picton ITM Building Centre 03 573 6888 Takaka ITM Building Centre 03 525 8222

CANTERBURY/WEST COASTBasher's ITM Building Centre Amberley 03 314 8311Darfi eld ITM 03 318 7474Dyers Road ITM Building Centre Bromley 03 384 4111Geraldine ITM Building Centre 03 693 9397Greymouth ITM Building Centre 03 7680441 Hamptons ITM Waltham 03 374 3333 Helmack ITM Building Centre Ashburton 03 307 0412 Hillside ITM Building Centre Hornby 03 349 9739 Kaiapoi ITM 03 327 8829Leeston ITM Building Centre 03 324 3300McMullan Timber ITM Hokitika 03 755 8519 Rangiora Timber ITM Building Centre Rangiora 03 313 4862 Timaru ITM Building Centre 03 688 8074

DUNEDIN/OTAGO/SOUTHLANDE H Ball ITM Building Centre Invercargill 03 218 3787 Fraser Hardware ITM Balclutha 03 418 0170 Garden Place ITM Mosgiel 03 489 8885 Southbuild ITM Building Centre Winton 03 236 6055 Southern Lakes ITM Building Centre Cromwell 03 445 0081

Bitupatch

• Ready to use, no mixing required

• Generally used for:- Potholes in asphalt- Repairs for deteriorating asphalt- Ramps- Water channels

#BITP020

$33 EXCL GST

FREE

OFFICIAL ITM 400 T-SHIRTWhen you spend $150 or more on any product featured on this page.

CEMENT

Multicrete

$1290 EXCL GST

• General concrete projects not requiring fast setting times

• Recommended Uses: Steps, slabs, footings, pathways, driveways, deck posts, signage, mowing strips, garden edging, fence posts

#GPC040

Masonry Mortar Mix

• 30kg• Mortar designed for the

trade• For all block and brick

mortar projects• No additives required• Contains carefully

graded and processed sand fractions

#MMT030

$990 EXCL GST

Cemplus

• 5 litres• A highly concentrated

plasticising liquid for use with cement renders, mortars and plasters for brick and block work

• Ideal for use with harsh, sharp and gritty sands

#CPL005

$2990 EXCL GST