PROGRAM GUIDE

CONNECTING PEOPLE,PRESERVING HOUSES,

ENHANCING NEIGHBOURHOODS

2

Table of Contents

INTRODUCTION..............................................................................................................................4

HOW IT WORKS..............................................................................................................................5

FAMILY SELECTION.........................................................................................................................5

Demonstrated need....................................................................................................................6

Willingness to partner.................................................................................................................6

Ability to Pay...............................................................................................................................6

VOLUNTEERS..................................................................................................................................7

Youth Volunteers........................................................................................................................8

Team Registration.......................................................................................................................8

Risk Management & Liability......................................................................................................8

TEAM LEADERS...............................................................................................................................9

Team Leader Training...............................................................................................................10

On-site Supervision...................................................................................................................10

CONSTRUCTION............................................................................................................................10

Scope of Work..........................................................................................................................10

Interior work.............................................................................................................................12

Energy Retrofits........................................................................................................................12

SAMPLE LEVELS - SCOPE OF WORK...........................................................................................13

Level I (low cost/low stress)..................................................................................................13

Level II (increased skills needed)...........................................................................................13

Level III..................................................................................................................................13

Determining Costs....................................................................................................................13

Principles for Determining the Selling Price of an ReNew It Project.........................................14

Formula for Determining the Construction Costs of a ReNew It Project..................................14

COMMUNITY DEVELOPMENT.......................................................................................................15

Neighbourhood.........................................................................................................................16

Housing.....................................................................................................................................16

Social Service & Civic................................................................................................................16

Government..............................................................................................................................17

FUNDING APPROACH....................................................................................................................17

2009/11/03 ReNew It

3

Funding and Donations.............................................................................................................17

Cost Recovery Options..............................................................................................................17

HFHC RESOURCES AND SUPPORT.................................................................................................18

HOW TO PARTICIPATE..................................................................................................................19

CONCLUSION................................................................................................................................19

EXHIBITS.......................................................................................................................................20

List of Exhibits:..........................................................................................................................20

Exhibit A- Sample - ReNew It Homeowner Application................................................................20

Exhibit B - Sample – ReNew It Application Review Checklist........................................................28

Exhibit C- ReNew It ~ WORK SCOPE ASSESSMENT........................................................................29

Exhibit D – Sample ReNew It WORK SCOPE SUMMARY................................................................32

Exhibit E - SAMPLE - ReNew It Sponsor Agreement......................................................................33

Exhibit F - ReNew It HOMEOWNER ASSESSMENT.........................................................................34

Exhibit G - Post - ReNew It HOMEOWNER EVALUATION SURVEY.................................................35

Exhibit H - ReNew It Equipment and Supply Checklist..................................................................37

Exhibit I - Sample - ReNew It Program Promissory Note...............................................................38

Exhibit J – Sample ReNew It PAINT WORKSHEET..........................................................................39

Exhibit K - ReNew It Paint Material Form.....................................................................................42

4

INTRODUCTION

Thank you for your interest in starting a ReNew It Program in your community. ReNew It is a home preservation program that provides minor renovation services for homeowners in need. ReNew It helps low-income homeowners impacted by age, disability and family circumstances, who struggle to maintain their homes, resolve health & safety deficiencies in an affordable way and remain in the home with pride and dignity. ReNew It serves as a companion to an affiliate’s core building program, enabling you to serve more families, increase opportunities for volunteers and expand your base of sponsors. Most importantly, ReNew It is part of Habitat’s broader community development strategy, a holistic approach, which assists communities as well as families. It revitalizes the appearance of the neighbourhood, strengthens connections within the community, and helps preserve and create affordable housing stock.

This manual was put together as a general guide and resource to help you start a successful ReNew It program. The information provided here will get you up and running. We have tried to create guidelines that will give you flexibility to start a program that best fits your particular affiliate and community, and will provide your staff, volunteers and homeowners with a satisfying experience. This program guide is a work in progress. As we learn more from you and explore the questions you’ll raise, HFH Canada will provide additional materials that will expand and complement the information in this manual. Please contact HFHC’s Building Services anytime with questions and needs. We are here to help your program become a success and we welcome your comments and suggestions.

ReNew It is based on a program called A Brush with Kindness (ABWK) which began in the United States in 1999 as a neighbourhood revitalization program of Twin Cities Habitat for Humanity. Twin Cities Habitat had the vision to see the benefit of a program that could complement their home building work. ABWK was created by Pat Lund, and with support from the Valspar Corporation, it has had (and continues to have) a significant impact on preserving the housing stock in the Twin Cities area. Habitat for Humanity International has modified this local program and is encouraging affiliates across the US to join the ABWK movement by expanding their scope of services. ABWK could not be expanded into Canada due to trademark restrictions and so the ReNew It brand was created to offer a Canadian version of ABWK to compliment Habitat’s core Building Program. In addition, CRA (the Canada Revenue Agency) required that ReNew It is charitable and maintain consistency with our core building program. Therefore ReNew It projects will be qualified by first addressing health & safety related deficiencies in a home.

By participating in ReNew It, your affiliate has become part of a new movement to expand Habitat’s capacity to help those in need of a safe and decent place to live. Your light will shine brighter in your community as people see the impact you are having serving those in need by restoring hope and dignity to their lives.

2009/11/03 ReNew It

5

HOW IT WORKS

First and foremost, ReNew It is a Habitat program. It is designed to be integrated into the organizational structure of your affiliate and supported by the board. In most cases your current committee structure (Family Services, Volunteers, Construction, and Resource Development) is sufficient to handle ReNew It. Some affiliates may create sub-committees in each area to better organize the work and responsibilities of the program. ReNew It serves families in need using Habitat’s basic tenets of eligibility – demonstrated need, willingness to partner and ability to pay.

Program Guideline Note: The following guidelines are recommendations on implementing ReNew It. Affiliates are always in the best position to determine the most effective program methods for achieving their goals. ReNew It is intended to compliment HFH’s core building program and be operated within the affiliate’s existing policy and procedural structure.

FAMILY SELECTION

ReNew It begins by finding families who are eligible to participate. You might begin by identifying current Habitat partner homeowners, to help sustain the work you’ve already accomplished. You may identify a street or neighbourhood where you are currently, or have recently been, building. This can provide opportunities to secure additional volunteers in a neighbourhood and increase your presence, and good works, in the community. You could take a strategic view and look for families in neighbourhoods where you plan to build. This can create goodwill for Habitat in the community through a series of easy, short-term projects, and allows neighbours a chance to become involved in helping neighbours. Very often, affiliates participating in ReNew It receive referrals from other groups in the community who are aware of homeowners whose dwellings are in need of repair. These groups may range from the police department to the local church. (see the Community Development section for more on community groups).

As with your core building program, homeowners must go through an application process to determine if they meet your affiliate’s requirements. Homeowners in ReNew It must meet the basic requirements of all Habitat families –demonstrated need, willingness to partner and ability to pay. However, ReNew It provides much flexibility at the affiliate level in how the requirements are determined. Whatever local policies are created, they must be uniformly applied and be consistent with the HFHC Affiliate Agreement.

Demonstrated need

6

The condition of the home should be such that at least one mandatory health & safety related deficiency requires remedial work. Once qualified, minor exterior improvements including landscaping, yard clean up, painting, deck and ramp construction, and in some instances, roof repairs could be added to the scope of work. The key is to limit the scope of ReNew It to projects that can be completed in a limited time frame, with minimum skills and with limited staff support.

Affiliates may consider referrals from other housing programs or agencies as demonstration of need as well. Circumstances that prevent the homeowner from doing the work themselves such as financial limitations, disability, age or illness can be seen as demonstration of need. In many cases, homeowners simply lack the knowledge and ability to carry out general maintenance and repairs to their home, which may also be considered in assessing their qualifications. Need may also be evaluated in the context of the affiliate’s service area median income. (see “Ability to Pay” below)

If the homeowner qualifies based on the initial application, a home visit takes place to assess need, scope of work to be undertaken and help determine the homeowner’ willingness to partner.

Willingness to partner

Sweat Equity is a central component of Habitat eligibility. Most affiliates chose not to set a fixed number of hours for ReNew It. Instead, the sweat equity is project based, and the requirement may be met by the applicant working alongside the volunteers, providing refreshments to volunteers or cleaning up. Participation of all adults in the household is expected. Affiliates may develop other criteria which can be used to meet the willingness to partner requirements.

Ability to Pay

Affiliates should use their regular CNIT (Core Need Income Threshold) or LICO (Low Income Cut-Off) threshold percentages to determine income qualification and ability to pay. Total household income is assessed against monthly expenses that include mortgage costs, property taxes, utility costs, etc. Affiliates may find that the much smaller costs of ReNew It renovation/preservation projects will require an adjustment to the minimum loan repayment requirements (e.g. The cost of a renovation project under this program is limited to 10% of the affiliate’s average new house cost). Debt load including ReNew It loans should not exceed 40% of a family’s monthly total household income.

(A note about charging for ReNew It services: The Habitat model for financing construction services is the same whether providing ReNew It service, rehabilitating an

2009/11/03 ReNew It

7

existing unit or building a new house. We are a housing ministry, founded on Christian principles, financed through private donations and utilizing volunteers in partnership with families in need. As indicated in our Covenant, Habitat for Humanity affiliates sell housing services to people in need with no profit added and finance the payments with no interest charged. The resulting payments are used for the financing of additional affordable housing.)

NOTE: HFH will take into account the value of the physical asset of the house or property in question but each case will be reviewed on an individual basis at the local level to determine eligibility. This has been determined based on the following rationale:

1. In the majority of cases, some equity is assumed to be built up in the home but actual asset value is subjective. HFH will not require the added expense of an appraisal and approximate value of the home will be determined based on property tax assessments. The value of the tax assessment will be reviewed against the mortgage owing on the property to determine the approximate equity in the home.

2. Applicant household income would also be assessed to determine if there is sufficient monthly income to meet all operating expenses and the monthly payments on the “renovation” loan through this program. Financial institutions typically offer loans based on using the home as security but in some cases limitations in monthly household income may prevent qualification for such a loan.

a. If inadequate income is available to manage all operating expenses and the renovation loan (even amortized over an extensive but feasible time frame (five years), the applicant would typically be turned down.

b. If the household income is more than adequate and it is apparent that the applicant could afford a conventional loan from a financial institution to undertake the renovation work, this applicant may also be turned down and redirected to a financial institution for a renovation loan.

c. Only applicants that fit between these two would qualify. Essentially those applicants who have an income sufficient to repay the ReNew It loan along with all other operating expenses but not sufficient income to secure a loan through other means to complete the same work.

VOLUNTEERS

Similar to our core building program, volunteers typically perform 90 - 95% of all the work done under ReNew It, and are the heart of the program. Several factors contribute to Habitat’s ability under ReNew It to effectively engage volunteers:

• No minimum skill requirements• Activities limited to simple tasks such as painting and landscaping (some projects

may be more involved requiring specific skills)• Results can be realized in a single day• Volunteers of all ages (from youth to retirees) can participate at any skill or

interest level.• Volunteers can be recruited through businesses, school, churches, and

community groups

8

• Large teams of volunteers can work on the same or similar projects in a specific geographic area

ReNew It is designed to meet the needs of homeowners, but attention to the needs of volunteers is critical to its success and allows you to engage volunteers who otherwise may never become involved in Habitat for Humanity.

Youth Volunteers

ReNew It is a great way to get church or school youth groups involved as well as families with children. Most of your projects will include painting, clean-up and landscaping and these are ideal activities in which youth could participate. Federal regulations specifically prohibit children under the age of 16 from working in general construction. However, they may be engaged in limited (low risk) activities such as clearing lots, landscaping or painting. Children ages 16 and 17 may perform general construction work, but may not engage in certain activities that are considered hazardous. These include the use of power tools, motor vehicles, demolition, roofing or working from a height >3.0 Meters and excavation operations.

In many cases your volunteers will form teams, either they have a common bond beyond Habitat (e.g., they work together) or they find a type of job within Habitat that they like doing (they like painting). These teams of 5 to 30 individuals should be matched with homeowners to work on and complete assigned tasks. Volunteer teams are matched with appropriate homeowners based on several factors including size of project, experience of the team and size of volunteer team. Projects usually take 1-3 days to complete.

Team RegistrationVolunteer groups from supporting organizations that express interest should be sent a letter of introduction and a Team Registration form. Volunteer teams would then be asked to tell about their group and the experience they have with similar volunteer work. Additionally, they would be asked when they want to work and what level of sponsorship they could provide. Volunteer teams may be asked to sponsor all or part of the cost of the home on which they work. Often, they are asked to provide some of the basic equipment needed, like paint brushes, scrappers, rollers and trays. ReNew It would also consider groups who do not sponsor a home to still volunteer. When a group sends in their Team Registration, ReNew It administrators begin to look for an appropriate project for that group – and an appropriate Team Leader.

Risk Management & Liability

Risk Management applies to all aspects of ReNew It including initial administration, managing volunteers and writing a scope of work before commencing with ReNew It projects. Refer to the guidelines specific FAMILY SELECTION, VOLUNTEERS and CONSTRUCTION for more details specific to managing risk in these specific areas.

2009/11/03 ReNew It

9

InsurancePrior to commencement of the project, verification of appropriate insurance on the homeowner’s policy is critical. It is highly recommended that ReNew It applicants take out an additional $1 Million in liability coverage for the period of the project (Affiliates may determine they require more than $1 Million in liability coverage based on the type of ReNew It projects they take on.) Affiliates must also consult their insurance company to ensure their affiliate insurance is considering ReNew It activity.

Note: Orr Insurance has verified that HFH’s main insurance carrier "ING Insurance" has added the ReNew It Program option to the liability coverage at no additional cost. So, if bodily injury or property damage to a 3rd party occurs, for which the HFH affiliate is considered legally liable, The ING Insurance policy will provide minimum coverage. Because ReNew It projects are small renovations the coverage they require is considered an installation floater. This coverage is also available to affiliates who take on ReNew It projects and this coverage provides temporary property insurance to protect the value of labor and materials of the work in progress in the event that it is damaged by theft, vandalism, fire, windstorm, etc. Coverage starts while the materials are in transit to the jobsite and ends once the job is completed or the owner accepts the work. If the affiliate has already purchased the "Habitat Enhancement extensions" they already have a $10,000 installation floater. Affiliates should contact Orr Insurance to determine the cost to increase this limit if required. The affiliate does not have to report ReNew It project locations. The only time they would have to contact Orr Insurance is if they have not purchased the "Habitat Enhancement extensions" or require a higher limit than $10,000. IMPORTANT NOTE: If insurance is not placed Orr Insurance, affiliates must check with their own insurance provider to ensure adequate coverage as noted above.

Volunteer WaiversAll volunteers must sign a Release and Waiver Form consistent with HFH’s core building program. The Team Leader or Site Supervisor makes sure this waiver is signed before volunteers participate in work on a ReNew It project site.

TEAM LEADERS

Team Leaders (also known as Site Supervisors) are a very important part of the ReNew It program. Team Leaders can be paid staff or experienced volunteers. Team Leaders organize and prepare (and sometimes recruit) their teams for the task of working on a home. The Team Leader is responsible, as the liaison between the affiliate, the volunteers and the homeowner, to coordinate the work and supplies for their project.

10

One of the most important roles of the Team Leader is working with the homeowner to create realistic expectations of the work that the volunteers will be performing at the house and the homeowner’s role in the process.

Team Leader Training

Before leading a project, Team Leaders must receive training in the ReNew It program. The Training would typically include information concerning:

An introduction to ReNew It. Working to revitalize neighbourhoods. Working and communicating with homeowners. Groups Volunteer Assignment. How to prepare your home project for painting. Volunteer team organization. How to prepare your group for work days. Equipment and materials suggestions. Equipment and materials pickup and delivery. Going over safety issues (including lead paint). Going over a work completion checklist

Note: A Team Leader Handbook is under development and will address the above material. Your Volunteer Coordinator and/or your Construction Manager should lead these sessions.

On-site Supervision

The Team Leader directs the volunteer team on the work site and is responsible for creating a successful experience for them. Each affiliate will have to decide the level of supervision they need for a particular project, however, the more teams in the field, the more families you can serve.

All projects should be followed up with a visit, and an “After” picture for affiliate records (Don’t forget the “Before” picture!). Above all, an inspection and record should be filed confirming the ReNew It project was completed properly.

CONSTRUCTION

Scope of Work--Start with simple projects and work up to more complex ones as experience allows!--

ReNew It must first address mandatory deficiencies in an applicant’s home. In general, mandatory deficiencies related to heating, structural, electrical, plumbing and fire safety to qualify the home for the ReNew It Program. The quality of the repairs should ensure the useful life of your home for at least 15 years. However, not all work required to

2009/11/03 ReNew It

11

bring the home up to minimum standards of health and safety must be completed in order to receive assistance through the ReNew It Program. Some deficiencies may have to be deferred as the homeowner may not be in a position to afford all of this work at one time. ReNew It also covers minor renovations and repairs that include painting, landscaping and yard clean-up that result in significant improvements to owner occupied homes. However, repairs/improvements that are not directly linked to the mandatory deficiencies that qualified the home must be limited to 25% of the entire scope of work. In most cases the total cost of ReNew It projects is limited to no more than 10% of the average cost of a new Habitat house in your service area. ReNew It projects typically take 2 - 5 days to complete but may extend as much as two weeks in duration. For a successful project, two things are critical before starting any work; 1.) An assessment must be done of the work that needs to be performed, and 2.) There must be clear communication with the homeowner regarding what activities the volunteers will undertake.

The homeowner will have provided a brief summary of what work they need completed in their Homeowner Application. Staff/volunteers that go out to inspect the property should take a copy of the application (without the financial information) and complete an assessment using the Work Scope Summary - Exhibit A. This will include pictures (on back of the form) and a more detailed narrative of the work elements to be completed. Be aware of any additional work required including lead paint hazards if assessing a home built before 1978. Provincial environmental and/or Ministry of Labour departments may require that contractors performing renovation, repair and painting projects that disturb lead-based paint in homes be certified and follow specific work practices to prevent lead contamination.

Work items are typically prioritized based on the review of the condition of the element and the extent of deterioration. In some cases the deterioration of an element may be too extensive, requiring full replacement and possibly exceeding program parameters. Remember, start with simple projects and work up to more complex ones as experience and resources allow. (Affiliates should set parameters on what they will do based on their capacity to manage projects and in consideration of the homeowner’s ability to repay the loan.)

After the work scope assessment is completed, communicate with the homeowner that work will be completed as volunteers are available and that not all requests for work may be able to be provided. This may be a good time to review the paperwork you will be asking the homeowner to sign before work can begin.

As your affiliate begins to integrate the changes necessitated by ReNew It into your regular process and procedures (volunteers, construction planning, resource development, financing, marketing, cooperating with community agencies, etc.), as your capacity grows (i.e., the number and skills of your volunteers), and as you review the feedback from staff, board members, donors and the community, additional and more

12

complicated work might be considered, such as ramps, porches, major repairs and roof replacements.

Interior work

Most homeowners who are candidates for ReNew It will likely need interior work done along with exterior improvements. Affiliates are encouraged to stay within the original scope of the ReNew It program and take on limited numbers of interior projects. It is OK to limit your scope of work. Some reasons to limit the amount of interior preservation work are;

- interior work introduces liability exposure which is greater, and different, than new construction and may increase your insurance costs;

- difficulty protecting the personal effects of the homeowner during the execution of work;

- the difficulty of staying within the original scope of work (and price) that was agreed upon;

- and the higher level of coordination and oversight needed for volunteers and contractors working in an owner-occupied house.

Should a homeowner need interior work performed, try to partner with organizations specializing in interior repair work (e.g., Local Renovation Contractors, Local Home Builder’s Association, etc). If you choose to provide interior preservation services, here are some tips.

Start small. Don’t over-commit. Simple interior work such as painting a room and repairs to windows and trim.

Let your insurer know. Know when to say “No”. Leave the more complicated repairs for when you’re

more comfortable with ReNew It procedures and the skills of your volunteers. Extensive structural work should be avoided on all ReNew It projects.

Renovations and rehabs that are valued at more than 10% of your average new house cost may be outside the scope of ReNew It.

Energy Retrofits

Energy retrofitting of homes is a growing arena however Habitat cannot offer ReNew It to strictly address Energy Retrofit initiatives. Services such as adding insulation, HVAC replacement and air sealing are potential compliments to ReNew It however this work must be limited to 25% of the overall scope of work. Affiliates are advised to partner with local energy audit agencies to assess the home and provide assistance, ensuring the best use of resources and benefit for the homeowner. When determining what energy retrofits should be undertaken (and what must wait for another day), the affiliate rep and the homeowner must identify which remedial measures have the greatest impact at the least cost.ReNew It could eventually include partnerships with local and regional environmental

2009/11/03 ReNew It

13

groups and local utility retrofit or renovation programs. The expansion of ReNew It to include these types of partnerships will evolve over a period of time as program and administrative efficiencies are established at the national and local level.

SAMPLE LEVELS - SCOPE OF WORK

Level I (low cost/low stress)Minor electrical and plumbing remedial workWindow repair (screen, glass, glazing)Scrape, paint, caulkMinor siding & trim repairLandscaping (pruning/trimming, weeding, reseeding)Clean up, brush removal, junk removalBoard replacement in porch/stair/rampMinor roof repair & soffit/fascia replacementDoor replacement

Level II (increased skills needed)Extensive electrical and plumbing workMajor roof repair/replacementPorch/stair/ramp constructionExtensive siding and trim repair/replacementWindow replacementWeather strippingInterior work (as it relates to exterior work)

Level IIIPartnering with other agencies for interior renovations and energy retrofitting

Determining Costs

Once the assessment is complete, you can begin the process of estimating the cost of the project. An important component of Habitat’s ministry is that repair services are SOLD to low-income partner families, not given away. It is vitally important, however, that the services be a blessing to the family and not an additional burden. Therefore, AFFORDABILITY is an equally vital component. The following guidelines will help your board in setting a pricing policy for ReNew It projects.

NOTE: The Construction committee must work closely with the Family Selection and Family Support committees to ensure that the cost of the house renovation work is truly affordable for families whose incomes fall within the range approved by the board.

14

The board of directors of your affiliate should review the following two guidelines and determine the policies of your affiliate in setting a selling price for ReNew It projects. In some situations you may encounter “gray” areas that call for creativity and flexibility. The first guideline is a list of the principles that must be taken into account in determining project pricing. The second guideline is a formula that affiliates can use to work though the variables.

Principles for Determining the Selling Price of an ReNew It Project

1. Habitat for Humanity is not a give-away program. HFHC believes that low-income families need capital, not charity. Therefore, ReNew It projects are sold under the terms of no-profit construction and no-interest loans.

2. Each family’s monthly loan payment should go into the local fund that is dedicated to support additional ReNew It housing projects.

3. HFHC recommends that the target population of Habitat affiliates be genuinely low-income families.

4. In figuring affordability, your affiliate should use the guideline that no more than 10 percent of a homeowner’s monthly income should be spent on repair costs. The length of a ReNew It loan is generally 3 to 7 years. The actual loan amount and scheduled monthly payments are based on household income and length of loan. These figures are extremely variable, depending on the homeowner’s income and/or other circumstances. In some cases the loan may include pre-payment incentives. (Pre-payment incentives are essentially agreements made between HFH and the applicant that offer a reduction in total payment if fully paid in advance of loan schedule. E.g. 10% discount for every 12 months reduced from the loan schedule up to 50% or actual hard costs of ReNew It project)

5. Habitat loan payments for ReNew It should reflect affordability to the homeowner. Habitat affiliates should take measures to ensure that windfall profits in the resale of Habitat houses do not occur.

Formula for Determining the Construction Costs of a ReNew It ProjectUse this formula for estimating total project costs:

Cost of purchased building materials $ ___________Value of donated building materials $ ___________Contracted labour $ ___________

Sub-total $ ___________Administrative costs $ ___________ i.e., salaries, insurance, marketing, etc. (Should not be more than 10% of sub-total)

2009/11/03 ReNew It

15

Total project costs $ ___________

There are certain assumptions built into this formula:

1.) NO dollar value should be added for UNSKILLED VOLUNTEER LABOUR. Most people who give their time and talents as Habitat volunteers do so with the understanding that their efforts make housing more affordable to partner families.

2.) The dollar value of DONATED PROFESSIONAL LABOUR should be added. However, affiliates have some latitude in this area when considering whether or not to add this to the project cost.

3.) The dollar value of DONATED MATERIALS should be factored into the cost of the project. Factoring in the value of these materials helps keep the cost equitable for all homeowners, no matter how large the in-kind donation is for a particular house.

4.) It also is acceptable to add a portion of your administrative expenses to the cost of each project. Your goal, however, should be to keep this figure as low as possible. HFHC recommends adding no more than 10% to each project to cover administrative costs.

Approximately 25% of materials are typically purchased for ReNew It projects.

COMMUNITY DEVELOPMENT

ReNew It is part of Habitat’s broader community development strategy, a holistic approach that assists communities as well as families. As it revitalizes the appearance of the neighbourhood, it helps preserve and create affordable housing stock, while strengthening connections within the community. It is more than a simple fix-up, paint-up program. It enables an affiliate to create, or enhance, alliances within the community. Developing a working relationship with local churches, homeowners associations, neighbourhood groups, housing organizations, social service agencies and local government agencies is part of Habitat’s broader community development strategy, and can lead to an increase in eligible families, a wider range of financial sponsors, more volunteers and greater community support.

Developing alliances with other organizations is much easier than you think. Most alliances begin simply by cooperating with another organization around a mutual problem or opportunity. You’re probably already cooperating with some other group in this way. Alliances benefit the community, strengthen the partner organizations and accomplish mutual goals.

16

There are four reasons why we encourage you to seek alliances when operating the ReNew It program (these same reasons apply for all your affiliate programs):

1.) More or improved services - finding others with the same or similar goals allows you to provide more and/or better services.

2.) Gain access to new communities or families – organizations with access to new markets but in need of the resources Habitat can bring, allows both groups to achieve their goals.

3.) Attract additional resources – forming alliances often gives you the additional leverage you need for resource development.

4.) Transforms systems that impact affordable housing – alliances enhance your influence when trying to advocate and propose solutions to your community’s housing needs.

These are the types of groups with which RENEW IT has been successful in partnering

Neighbourhood

ReNew It is intended to work closely with neighbourhood organizations (e.g., homeowners associations, local churches, neighbourhood business associations, schools, etc.). They know their neighbours and their needs. You will receive many of your homeowner referrals through these organizations. They can also gather neighbourhood volunteers to work and possibly sponsor a home. Many of the neighbourhoods you choose to work in will be based on the cooperation you receive from these neighbourhood based groups.

Housing

ReNew It can also work closely with other housing organizations and Community Development Corporations in your area. In some cases a sharing of resources, a common homeowner application and/or warehouse space could be arranged with these housing agencies. Consider attending a monthly meeting of these organizations to discuss how together you can maximize resources to meet the needs of more homeowners.

Social Service & Civic

Social agencies and civic groups can play a large role in communicating the services you provide, referring homeowners to you and referring homeowners to services that fall outside your mission. You can seek out agencies such as Meals on Wheels, United Way, Rotary & Lions Clubs, etc.

2009/11/03 ReNew It

17

Government

ReNew It works in cooperation with municipal social workers, city housing inspectors’ office, as well as municipal officials. ReNew It works with these agencies to help homeowners avoid legal issues concerning the upkeep of their properties. They often have programs that provide funding for home maintenance and repairs.

[Placeholder for expanded Marketing & RD sections]

FUNDING APPROACH

Resource development for ReNew It is essentially the same as your core building program, Volunteer labour, donated materials, charitable contributions and loan payments comprise the bulk of the funding. However, the difference in resources needed per program is great. ReNew It projects are by definition “costing less than 10% of the average cost of a New Habitat house in that area”. Therefore, loans to homeowners will also be less. This difference will, most likely, require you to make adjustments to your loan policies in order to offer loans to ReNew It homeowners.

Funding and Donations

Sponsorships - Project sponsorships could be raised through a number of sources including local business, associations, churches and volunteer groups. Your affiliate should take care to coordinate all project sponsorships efforts to avoid multiple asks to a specific potential donor and provide consistent recognition to donors.

General funding – You are encouraged to explore creative ways of funding ReNew It projects other than sponsorships, including events and designated contributions by individuals.

Gifts in Kind - Most of the material and equipment required for ReNew It is typically provided through individual and/or corporate donations. (e.g., paint, ladders, brushes, tools, sandpaper, etc.). The HFHC GIK National Program offers products like paint and insulation materials that may also be available for use with the ReNew It program. National Partners have agreements with Habitat for Humanity Canada to offer donated products to affiliates but not all have included ReNew It.

Cost Recovery Options

Your affiliates should make every attempt to fit the payment option to the partner family’s ability to pay. Several options are available for structuring the loan, due to the smaller financial obligation required by ReNew It. For example:

18

1. Secured loans with monthly payments may be amortized over an extended period of time to ensure the homeowners ability to pay (3-7 years is the suggested period parameters).

2. ReNew It loans over $3000 should be secured through a legally recognized document registered on title (e.g. 2nd mortgage). By registering this loan agreement on title it provides affiliates with a measure of security in the unlikely even the house is sold prior to the pay out of the entire loan. (Affiliates must consult with their legal counsel to ensure loan agreements are comprehensive and legally binding)

3. Secured loans with prepayment incentives: i. 50% reduction if paid-off when services are completedii. 30% reduction if paid-off within the 1st year

iii. 20% reduction if paid-off within the 2nd yeariv. 10% reduction if paid-off within the 3rd year.

4. Unsecured loan if obligation is $3000 or less, with prepayment options as above secured through an executed “Promissory Note” to define repayment terms.

5. When the homeowner is enrolled in a partner program (private or public) whose purpose is to provide affordable housing services, and that program covers all or a portion of the repair costs, repayment to HFH by the homeowner of a portion or all of the loan may be waived.

Your board should develop parameters for ReNew It loans. This will allow program staff to operate with confidence and consistency when communicating with homeowners.

HFHC RESOURCES AND SUPPORT

HFHC provides support to affiliates who participate in the national network of ReNew It programs in the following ways:

ShareNet – ReNew It has its own link on ShareNet. This site will eventually provide you with information on upcoming training events, the ability to read and share best practices, and participate in forum discussions.

Program Manual – The manual contains the program guidelines, philosophy and purpose of the program and the Templates and Forms needed for you to have a successful program (see Appendix for the Templates & Forms).

Marketing – ReNew It will eventually provide templates for postcards and letters, yard signs for RENEW IT projects, information on how to develop local funding for the program and volunteer recruitment templates.

2009/11/03 ReNew It

19

National Gifts In Kind Program – GIK provides access to our National Partners who have agreed to offer free products to affiliates undertaking ReNew It projects.

Training – HFHC will provide technical assistance to you via phone conference and training workshops.

ReNew It Identifier (LOGO) – As a participant in the ReNew It program, you will be able to use the ReNew It identifier (Logo) on your literature and signage.

Forms, Samples and Templates – The Appendix has forms and templates that have been instrumental in operating the ReNew It program at affiliates across the country. The Appendix will continue to updated and expanded as we both learn more about your needs and receive samples of your work that you find helpful at you affiliate.

HOW TO PARTICIPATE

To participate in the national network of ReNew It programs, you must sign the Program Registration form (Exhibit 1). The form asks you to report your ReNew It activity on the Affiliate Statistical Report, be willing to share your best practices and experiences with other affiliates, use the ReNew It identifier in accordance with HFHI standards and serve families following Habitat’s philosophy and basic tenets (a demonstration of need, the ability to pay, the willingness to partner).

CONCLUSION

We hope starting ReNew It brings added value to your affiliate in serving the housing needs in your community. It is intended to give you another opportunity to invite volunteers living in the neighbourhood to connect with their neighbours in need. ReNew It can be a significant tool with which to engage your communities, help break down spiritual, political, and cultural barriers, develop alliances and begin the revitalization process. By extending grace and hope to struggling neighbourhoods through simple acts of kindness, ReNew It can have a dramatic impact on neighbourhoods throughout your community.

We look forward to partnering with, and serving your affiliate in making ReNew It a successful part of your ministry.

EXHIBITS

List of Exhibits:Exhibit A- Sample - ReNew It Homeowner ApplicationExhibit B - Sample – ReNew It Application Review ChecklistExhibit C- ReNew It ~ WORK SCOPE ASSESSMENT

20

Exhibit D – Sample ReNew It WORK SCOPE SUMMARYExhibit E - SAMPLE - ReNew It Sponsor AgreementExhibit F - ReNew It HOMEOWNER ASSESSMENTExhibit G - Post - ReNew It HOMEOWNER EVALUATION SURVEYExhibit H - ReNew It Equipment and Supply ChecklistExhibit I - Sample - ReNew It Program Promissory NoteExhibit J – Sample ReNew It PAINT WORKSHEETExhibit K - ReNew It Paint Material Form

Under Construction:

Sample Invitation to Community Partners Sample RENEW IT FlyersSample press releasesTips for Homeowner InterviewsSample Letter to Volunteer Group/Team LeaderVolunteer Team Registration Form

Exhibit A- Sample - ReNew It Homeowner Application

SECTION 1 - Homeowner Information

APPLICANT Name:

2009/11/03 ReNew It

21

SIN Number:

Birth Date: yyyy/mm/dd

Age:

Address: Postal Code:

Telephone Numbers: Home:

Number of years at address:

Work: C0-APPLICANT Name:

SIN Number:

Birth Date: yyyy/mm/dd

Age:

Address: Postal Code:

Telephone Numbers: Home:

Number of years at address:

Work: List the names, ages, and relationship to homeowner of all people living in the home. Name/relationship:

Birth date: yyyy/mm/dd

Age:

Name/relationship:

Birth date: yyyy/mm/dd

Age:

Name/relationship:

Birth date: yyyy/mm/dd

Age:

Name/relationship:

Birth date: yyyy/mm/dd

Age:

Name/relationship:

Birth date: yyyy/mm/dd

Age:

Is the homeowner or anyone in the home disabled? Yes No If yes, please indicate the type of disability below (check all that apply, please describe if "other")

22

Uses a Walker, Cane or Crutches Mentally Challenged Blind Hearing Impaired

Wheelchair Loss of Limb Other: ________________________________________

Is translation needed? Yes No If yes, what language: .

SECTION 2 - Media and Publicity

Where did you learn about ReNew It? TV Radio Newspaper Flyer Neighbour Neighbourhood Organization

Other: (please describe) ____________________________ If Habitat for Humanity selects your house for minor renovations through ReNew It, would you be willing to have your picture taken or be interviewed by media reporters? May we bring elected officials to your home?YES. Interviews and photographs are OK YES. Visits by elected officials are OKNO. I do not want interviews or photographs

No I do not want visits from elected officials

SECTION 3 - Household Income and Mortgage and Insurance Information

Applicant's annual income

$________________________

Co-Applicant's annual income $________________________

The total, combined income before taxes for ALL persons living in the home is: $__________ per year You must attach verification of all sources of HOUSEHOLD income for each adult in the house, unless a full time student (provide proof of registration) and any benefits received for children (i.e. child support, child tax benefit, etc.) Acceptable verification would be a copy of your most recent income tax return, monthly pension statement, other retirement income statements, employment cheque stub. Please note on the statement if it represents annual, monthly, semi-monthly, bi-weekly or weekly income.Are you still making loan or mortgage payments on your home? Yes No If yes, what is your monthly payment? $ /monthMortgage holder: ____________________________________________________________________ Estimated present value of home $_________________________

Balance owing on mortgages and/or loans on property $__________________

2009/11/03 ReNew It

23

After paying your monthly bills (gas, electric, insurance, food, phone, medical, etc.), approximately how much money do you have left to spend on home renovations/repairs? $__________________/month (Applicants must supply a copy of each utility bill to verify average monthly expenses)

Do you currently have homeowner's insurance? Yes No

Name of Insurance Company: .

Broker's Name: .

Broker's Phone Number: .

SECTION 4 - Personal Statement

Please write a brief explanation of why you feel you should be selected and how it will help you

SECTION 5 - Homeowner Agreement

24

I certify that the information on this application is accurate and that I own the property at the address given on this application. I have no present intention to move or offer my home for sale for at least three years. I confirm that any physically able persons residing in my home or visiting for the project day will work alongside the ReNew It volunteers. I confirm that, except for the conditions listed above, my home is a safe place for volunteers.

I understand that the people who may work on my house are unpaid volunteers; that few, if any of them, are skilled in the building trades; and that Habitat for Humanity and ReNew It MAKES NO WARRANTIES, EXPRESS OR IMPLIED, REGARDING ANY MATERIALS USED OR WORK DONE BY ANYONE AT MY HOUSE. I hereby release ReNew It, Habitat for Humanity { }, all volunteers, employees, agents, directors, officers and representatives from any and all liability whatsoever.

SIGNATURE OF HOMEOWNER: DATE

SIGNATURE OF Co-HOMEOWNER: DATE

Complete the following if you are not the homeowner, but are assisting the homeowner in completing this applicationYour Name: Daytime Telephone #: Is the home owner aware of this

application? Yes No

SECTION 6 - Requested Repairs

House Information House Exterior Garage Exterior

Siding Trim

Siding Trim

wood wood wood wood

brick vinyl brick vinyl

shakes metal shakes metal

Stucco stucco

painted stucco painted stucco

asbestos/slate asbestos/slate

Year Purchased: Year Built: aluminum aluminum

2009/11/03 ReNew It

25

vinyl vinyl Last Painted: Square Feet:

Number of Bedrooms 1 Bedroom 2 Bedrooms 3 Bedrooms 4 Bedrooms 5 Bedrooms

Do you have a:

Full depth basement Crawl space None

Is any part of your house rented or occupied by anyone other than members of your household? Yes No

Description of Work Required For example - carpentry, electrical, plumbing, painting, doors/windows

Keeping in mind that Habitat for Humanity's ReNew It Program is designed to only undertake minor renovations to your home, please describe the type of work that you would like done. (Attach separate pages if needed.) Remember that the items listed below will be considered but the final decision on what work can be done will be based on Habitat for Humanity's time and financial resources. Final decisions will be made at the discretion of Habitat for Humanity's ReNew It personnel. The work done by Habitat for Humanity and ReNew It will focus on warmth, safety and independent living. Our workers are volunteers and may not be qualified to undertake all desired renovations and repairs.

__________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

26

___________________________________________________________________________________

SECTION 7 - AUTHORIZATION AND RELEASE

The undersigned applicant(s) applies for ReNew It services and a no-interest loan to finance the cost of renovations being completed on the home. In signing, applicants expressly authorize Habitat for Humanity { } or their designate to conduct credit checks, contact personal references and employers or obtain any other information that is pertinent in the verification of this application. The word "information" means credit information, personal information and information about the services that you use.

"Credit Information" means information about you, including your name, age, date of birth, occupation, place of residence, previous places of residence, occupancy length, marital status, co-occupant's/spouse's/same-sex partner's name and age, number of dependants, particulars of education or professional qualifications, places of employment, previous places of employment, employment duration, estimated income, paying habits, outstanding debt obligations, cost of living obligations, involvement in bankruptcy proceedings, assets and banking information (including account and credit card information).

"Personal Information" means information about you other than credit information that is relevant to being a homeowner, including your social insurance number, driver's license number, vehicle license plate number, vehicle make and year, and information from references if needed. You expressly give your consent to and authorize Habitat for Humanity { }: — to use this information about you to determine your suitability for ReNew It— to disclose information about you as permitted or required by law in order to establish credit history, and to support the credit approval process. —to retain this application and information indefinitely for the purposes above, subject to any applicable legal restrictions, even if the application is not approved. You further agree that you will not withdraw your authorization and consent to the collection, use and disclosure of information about you by Habitat for Humanity { } as outlined above. Please provide your consent by checking the following box and signing in the appropriate space below. Yes, I have read and agree to the collection, use and disclosure of information as outlined above and I agree to the terms and conditions outlined above.

Applicant's Signature: ____________________________________________________________

Print Name: ____________________________________________________________________

2009/11/03 ReNew It

27

Yes I have read and agree to the collection, use and disclosure of information as outlined above and I agree to the terms and conditions outlined above. Co-Applicant's Signature: ____________________________________________________________

Print Name: _______________________________________________________________________ By signing below, the applicant(s) warrants the information on this application to be accurate and true, and authorizes the release of information. The applicant(s) also agree to provide any other up-to-date information that may be deemed necessary in the construction of this application. Applicant's Signature: __________________________________ Date______________________ Co-Applicant's Signature: _________________________________Date______________________

SECTION 8 - Sharing Your Personal Information?

If your application is a more appropriate fit with other, similar programs would you like to receive information on these programs? (check off if yes)RRAP HASI Service Clubs Privacy legislation prevents us from sharing your information. We will send you out information on similar programs at your request. Your application will be kept confidential and will be used solely for the purpose of evaluating the acceptability of your home for minor renovations or restoration work by ReNew It and Habitat for Humanity { }. Please see Section 9 - Authorization and Release Checklist

SECTION 9 - Checklist

Did you complete all 8 sections of this application?

Did you sign the application? (SECTION 6)

Did you enclose a copy of the deed on your home or other proof or ownership, such as property tax receipt? All documents submitted must show the name and address of the applicant.

Do you currently have homeowner's insurance? Yes No

Did you include a statement verifying income? This statement can be a copy of one or more of the following: tax return, social security receipts, retirement pay receipts, or other documentation of household income. All adults, over the age of 18, must submit an income document (or prove current student status) showing name and address

What organizations are you connected with? Lions Club Rotary Scouts/Guides

28

Church Other . which one? Please name

Exhibit B - Sample – ReNew It Application Review Checklist

Date______________________     Referred By_______________________________     Application #_________________      Name of Homeowner(s)____________________________________________________________   Homeowner(s) Address_____________________________________________________________   Phone Number______________________________________          SECTION 1 - Application Information       Application In Authorization and Release Information Personal Information Income Verification Banking Information Copies of Other Income Sources Copy of Income Tax Return Application Complete Copies of utility bills (one from each utility) Committee Approval           SECTION 2 - Legal Information       Title Search General Liability Insurance Deed Bankruptcy/liens search Lawyers Name  Mortgage Holder                  SECTION 3 - Materials Information       List of Materials  Cost of Materials  

2009/11/03 ReNew It

29

Materials Ordered             

Exhibit C- ReNew It ~ WORK SCOPE ASSESSMENT

Homeowner ___________________________________________ HO # ________

Address ____________________________________________________________

StructureHouse 1 □

1 1/2 □2 □2 1/2 □

Basement - Full depth □ Crawl space □Garage - Attached □ Detached □Other Buildings: _________________Square Footage: __________________Other: _________________________________________________________

Parts to Paint

Window Frames □ House Siding □House Trim □Garage Siding □Garage Trim □Fence □

Other_________________ _____________________

Type of Exterior Wall Finish H G H G

Wood □ □ Brick □ □

Stucco □ □ Painted Stucco □ □

Asbestos □ □ Shakes □ □

Wood Trim □ □ Vinyl Trim □ □

Metal Siding □ □ Metal Trim □ □

Other________________________________

Preparation RequiredMinimum Moderate Extensive

Wash ________ ________ ________Scrape ________ ________ ________ Prime ________ ________ ________Caulk ________ ________ ________Repairs ________ ________ ________Wood rot ________ ________ ________Other: ______________________________________________________________________________________________________________

Existing Condition of Home(Scale 1-5, 5 neediest)

Weathered/chalking ________Peeling/blistering ________Mildew ________Caulking ________Rotted Wood ________Loose Boards ________Repairs ________Debris/Trash ________Other __________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________See reverse for details:

Overall Needs Eval.Use Scale 1-5

(5 is the neediest)House (H) ________Garage (G) ________Difficulty ________

Areas of home under consideration for renovation/restoration:Landscaping □ Sidewalk □ Exterior walls □ Exterior Trim □Roof □ Windows □ Steps/Porch/Landing □Other ___________________________________________________________________________________________________________________________________________________________________________________________________________________Professional subcontract work required: ____________________________________________________________________________________________________

30

Digital Pictures/Work Details

2009/11/03 ReNew It

Recommended TeamVery Small 1-10 □ Small 11-18 □ Novice □Medium 19-25 □ Some Experience □Large 26-35 □ Experienced □Other _______ Very Experienced □ Specific Trade/Skill □Special Recommendations:______________________________________________________________________________________________________________________________________________

Homeowner ContactHome during initial inspection Yes □ No □Telephone # ____________________ No Phone □Agreed to covenant Yes □ No □Able-bodied help Yes □ No □Home Interview by___________________ Date_________Home inspection by__________________ Date_________

Other Considerations

Energy Audit □ Scaffolding recommended □Tall Ladders needed □Homeowner Issues (see project supervisor) □Media Candidate □Interior Candidate □

Team Should be Aware Of

Shrubs □ Trees □Bushes □ Vines □Garden □ Fence □Debris □ Dog □Sloped Lawn □ Narrow Space □High Peaks □ Rust □Pets □ Neighbouring property □Other _______________________________________________________________________________________________

See reverse for details:

Work Scope Priorities

General Comments_____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________ Additional pages________

31

Reference Sketches/Photos

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

Back Garage

Front

32

Exhibit D – Sample ReNew It WORK SCOPE SUMMARYHomeowner ____________ Date _____________Address _______________________________________________________________________

______________________________________________________________________

Habitat for Humanity { } agrees to complete the following work under the ReNew It Program.

Mandatory Repairs: 1. _______________________________________________2.________________________________________________3. _______________________________________________4. _______________________________________________5. _______________________________________________

Prep as Wash ___________________________________________________necessary: Scrape/sand______________________________________________

Prime___________________________________________________

Paint: House Body _______________ Colour ________________________House trim ________________ Colour ________________________Garage ___________________ Colour ________________________Interior ___________________ Colour ________________________

Yard Work: 1. Clean-up ______________________________________________2. Raking/landscaping ______________________________________3. Gardening/planting ______________________________________

Other: ______________________________________________________________________________________________________________________________________

Homeowner Signature: _____________________________________ Date:_________________

On Behalf of Habitat for Humanity { }

2009/11/03 ReNew It

Work completed notes

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

33

Staff Signature:__________________________________________ Date: __________________

Exhibit E - SAMPLE - ReNew It Sponsor Agreement

The following is an outline detailing the terms and conditions of the agreement between Habitat for Humanity { } and {First Street Baptist Church} for a ReNew It Sponsorship for the {Smith} home. Habitat for Humanity offers this opportunity to all individuals, organizations and businesses and does not guarantee exclusivity on the basis of organizational or business industry or type. Receipt of sponsorship dollars from $ 1000.00 or more is required before sponsorship benefits begin.

Habitat for Humanity { } Agrees to:1. Produce a yard sign identifying your organization as a ReNew It House Sponsor2. Provide a minimum of one workday opportunity for your volunteers to participate in the

repair project3. Include your logo or name on our website Sponsors page in the ReNew It Sponsor

category4. Provide ReNew It Tee Shirt to each participating volunteer from the sponsoring group

The Sponsor Agrees to:1. Provide a sponsorship donation of $ 1000.00 prior to the start of the project2. Supply Habitat for Humanity with an electronic version of their logo, suited for web use

Sponsor Contact Name___________________________________________________________________

Address_______________________________________________________________________________

City/Province______________________________________ Postal Code___________________________

Phone_____________________Fax______________________E-Mail______________________________

Signature________________________________________________Date__________________________

..............................................................................................................................................................

Payment Options

If you would like to pay by credit card, please fill out the information below:

Visa Master Card

Card Number:______________________________________________ Exp. Date:_____/_____

Name on card: __________________________________________________________________

Signature:_____________________________________ Postal Code:_____________________

Or mail your cheque to: Habitat for Humanity { }, {address}.

34

Fax completed form to {affiliate name}. For questions, call {name} at {phone} or {e-mail}Accepted by (Habitat for Humanity Representative)

Exhibit F - ReNew It HOMEOWNER ASSESSMENT{This is an internal document and no information captured on this form is to be shared outside

of Habitat for Humanity}

Homeowner Name(s): ____________________________________________________Address:___________________________________________ Postal Code:_________Phone: __________________________________

Please complete the following after you have met with the homeowner. Please try to be objective as possible.

Do you think the homeowner can do their own work or has the capability to find their own volunteers to do the work? ________________________________________________________________________________________________________________________________________________

Does the homeowner strive to keep up their home to the best of their ability? ________________________________________________________________________________________________________________________________________________

Do you think that the homeowner will cooperate with the volunteers and be appreciative of the work done on their homes? ________________________________________________________________________________________________________________________________________________

Do you think this will be a good (safe and enjoyable) situation for volunteers? ________________________________________________________________________________________________________________________________________________

How would you rate the overall need for work on this home? High Priority ____ Modest priority ___ Low Priority ___ No priority ___

Was the homeowner interested in assisting another homeowner in similar circumstances if able? ________________________________________________________________________

Please share any additional comments about the home or current homeowner situation.________________________________________________________________________________________________________________________________________________________________________________________________________________________

2009/11/03 ReNew It

35

________________________________________________________________________________________________________________________________________________

Exhibit G - Post - ReNew It HOMEOWNER EVALUATION SURVEY

Dear { }

We were happy that we were able to work with you this year! We hope the work done on your house has made your home a safe and brighter place to live. Now that the work has been completed we would like to have your comments on our project that was done for your family. Would you please take a few minutes to fill out this sheet and mail it back to us in the enclosed, stamped envelope. We value and appreciate your comments.

1. How did you feel about the advance visits from Habitat for Humanity ReNew It staff and volunteers to your home?

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

2. Did all the agreed upon work get completed?________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

3. How would you rate the quality of the ReNew It services provided to you?

(please circle one)

very low just below average average just above average very high

Comments about the work completed:________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

4. Do you know of any skilled people (plumbers, carpenters, plasterer’s electricians, roofers, etc.) who might be interested in volunteering with our program? If so, please give their names, addresses, and phone numbers.

36

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

5. Is there any friend or family member who might be willing to volunteer with ReNew It to help renovate and restore other homes? If so, please provide them with our contact information so they can contact us if they are interested in volunteering on other ReNew It projects or please list (name/phone number).

Yes No________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

6. Do you know of anyone else who could benefit from the ReNew It program? If so, please provide them with our information so that they can contact us if they are interested in applying for ReNew It.

Yes No________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

7. Please give us any suggestions on how you think that the program could be improved.

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

Thank you for taking the time to complete our survey. It is greatly appreciated!

2009/11/03 ReNew It

37

Exhibit H - ReNew It Equipment and Supply Checklist

Most commonly used supplies and equipment on ReNew It projects:

Item Quantity Item QuantityBug spray ScrapersCamera with film SandpaperCaulk Sanding SpongesCaulk guns Tarps and plastic coverCleaning brushes RagsDust masks RakeExtension poles Refreshments First aid kit Roller coversFive gallon paint buckets Roller handlesGlass cleaner and rags Roller sticksHand tools (variety) Rope/twine to tie back large bushes.Hose/nozzle Safety glassesLadders (Step/Extension) ScaffoldingMasking tape SidingNails/Screws Spray bottlesPaint (double check colours/quant.) Stir sticks Paint brushes SunscreenPainters hats Yard signsPaint hooks TSPPaint pads Toilet paperPaint pails (five qt.) Weed wackerPaint screens Wet/dry vacPower Saws Window glazingPower washer Wire brushesPrimer (latex/oil) Wood (assortment)Pruning tools Work shoes and gloves

Portable Toilets/Dumpsters/Permits: If the home project needs the above items, make sure they are ordered well in advance so as not to delay the project or cancel volunteer work days.

38

Landscaping Materials: These items range from grass seed and sod to shrubs and flowers to mulch and compost fill.

Completed by: ____________________________________________ Date: __________

Exhibit I - Sample - ReNew It Program Promissory Note

{ Date } $ { }

The undersigned promises to pay to Habitat for Humanity _____________ the sum of $________, being the Fair Market Value (not including volunteer labour) for the ReNew It renovation/restoration work to the home owned by the undersigned and located at _______________________________________________.

The amount owing shall be repaid in equal monthly installments of ____ on the ____ day of each and every month commencing _______, 20__ and postdated cheques shall be given to Habitat for the balance of the term of the loan.

Provided that there is no default in payment of the amounts required to be paid under this note, the loan shall be interest free.In the event that the undersigned fails to make the required monthly payment on or before the due date in any four months during the term of this loan, Habitat for Humanity may, at its option, demand payment of the full amount owing, including the principal then outstanding and any unpaid interest, and the amount owing shall bear interest at the rate of six per cent per year from the date of such demand.

In the event of a sale of the home, the full amount owing, including the principal then outstanding and any unpaid interest, shall become due and payable and the undersigned hereby irrevocably authorizes and directs the purchaser or purchasers of the property to pay the amount owing directly to Habitat from the balance due on closing.

________________________________

Witness name

________________________________

Witness signature

Date: ___________________________

________________________________

Borrower Name

_________________________________

Borrower Signature

2009/11/03 ReNew It

39

Exhibit J – Sample ReNew It PAINT WORKSHEET

I. Tools Needed Inspection forms, camera, measuring tape, city map, note pad

II. Meet homeowner and help identify what is to be painted and which colour goes where (include garage), i.e., body of house—colour X, Trim—colour Y (check for wooden storms/screens, shutters, a porch floor, a picket fence, etc., which need painting as well). Take one picture of front at angle (showing one side, if possible) and any trouble spots that should be highlighted.

III. Note need, difficulty, size, and what’s to be painted. - Note condition of windows behind aluminum storms; note on form. - Note type of exterior and condition of paint. - Estimate the amount of preparation and crew size needed. - Details of what is to be painted and amount of paint needed. - Identify siding and trim types: Pine? Cedar? Redwood? Aluminum? Metal? Vinyl? Stucco? Masonry? Asbestos shingles?

General Rules of Thumb

1. Determine the square footage of home.For example, we have a home with a total of 1,824 sq. ft. Next, divide the total sq. ft. by the number of square feet each gallon of paint covers. (Each gallon of paint covers appx. 300. square feet ). 1, 824 sq. ft. divided by 300sq. ft for each gallon and rounded up to the nearest gallon would estimate at 7 gallons.

When calculating the height of a home use appx.10 feet for each story. A One and a half story is approximated at 15 ft. etc.

The number of gallons to be used on an average wood home with garage:

1 story 1-1/2 story 2 story 2-1/2 story Main colour 8-10 10-12 13-15 16+

Trim colour 3-4 4-5 6-7 7-8

2. When calculating windows, doors with windows, porch spindles or picket fences, assume they are a solid wall. (Length x Height) Double the square footage if both sides are being painted. 3. For priming requirements, refer back to the condition of the existing paint. Visualize the house thoroughly scraped. How much bare surface would be exposed? The primer covers approx. 300 sq. ft. of bare wood.4. Double square footage calculation when painting stucco or shakes. Open soffits will also require extra paint.

Garage (2 car)Main color 3 gal.

Trim color 1 gal.

40

5. Generally, downspouts measure about 12” around. Average doors equal about 20 square feet.6. Use metal primer (pint) for metal gutters, rusty nails (countersink) and other rusting areas.7. Fill in colours and amount of caulk, putty, glazing, stucco patch etc. needed.8. Caulking: One tube will cover approximately 2 un-caulked windows. If present caulking is in reasonable condition and only cracked or missing in places, much less caulk will be needed.

Paint Calculations

House Length Height Sq. Ft. Colour Longest side x 2 = _____ Front/back ___ + ___ = _____ Total body (add 4 sides) = _____ x ______ = ______ ___________

Length x Width x # of pieces = sq. ft. colour

Trim ____ x ____ x ______ = ____ _______ - facia, overhang, gables etc.Trim 2 ____ x ____ x ______ = ____ _______

Windows ____ x ____ x ______ = ____ _______ - (general appx. 3x5) - (other) ____ x ____ x ______ = ____ _______

Doors ____ x ____ x ______ = ____ _______ - (general appx. 3x7)Foundation ____ x ____ x ______ = ____ _______

Fence ____ x ____ x ______ = ____ _______

2009/11/03 ReNew It

Garage Length Height Sq. Ft. Color Longest side x 2 = _____ Front/back ___ + ___ = _____ Total body (add 4 sides) = _____ x ______ = ______ ___________

Length x Width x # of pieces = sq. ft. color

Trim ____ x ____ x ______ = ____ _______Windows ____ x ____ x ______ = ____ _______Doors ____ x ____ x ______ = ____ _______

Deck

Longest side _______ x 4 = _______ x Height _______ x 2 _______

Color _______________

Porch Length x Height Sq. Ft. Color

walls ______ x _____ = ______ ______________

floor ______ x _____ = ______ ______________

ceiling ______ x _____ = ______ ______________

steps ______ x _____ = ______ ______________

41

Estimated # of Work Days ________Notes:________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

42

________________________________________________________________________________________________________________________________________________

Exhibit K - ReNew It Paint Material Form

If you err — err on the side of too much paint. Remember to leave some paint with the homeowner for touch ups.

Homeowner ______________________________________Total Exterior Gallons____

Address________________________________________________________________

Phone # (H)____________________________(W)______________________________

(Cell)_________________________________

Size of House_______ Type of Surface_______________________________________

Colour/Number # of Gallons Quarts QuantityMain Colour

Trim Colour

Trim Colour

Latex Primer

Oil/Metal Primer

Deck Stain

Paintable Caulk

Wood Putty

Glazing

Stucco Patch

Joint Compound

2009/11/03 ReNew It

43

Other Materials1. 2.3.4.5.

Notes:________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

44

________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

2009/11/03 ReNew It