Home  ·  Site Map
  1. Entrance to City of Miami Building Department

    At the left above we look at the parking lot where visitors to the MIami Building Department are supposed to park.  Then, we walk down this dismal street under the overpass, past an empty lot.

    More photos of entrance of City of Miami Building Dept.

    Then, we have to walk down the driveway on the left, through the employee and disabled parking garage, to finally come out on the other side.  Then, we walk through this empty, uninviting plaza.

     

    Last week I went to go pick up something at the City of Miami Building Department.  For those of you who don’t know, it’s next to the river on SW 2nd Avenue.  As I was approaching the building, I looked around for parking.  There is a large sign on the entrance to the parking garage that says that the multi-story parking deck is for the employees and the disabled.  So I looked around and the nearest parking lot for visitors (except for a little parking in front of the plaza which was full) is across the street in the fenced area underneath the I-95 overpass.  The street in front of the lot is also available as metered parking.  

    I took the photographs above so you could experience with me the lack of urban planning, with its accompanying lack of human scale, and total insensitivity to human needs.  I had been there before many times, but never had I seen it as run down and uninviting as I saw it last week.  

    City Hall of City of Coral Gables

    Now let’s compare that to the City of Coral Gables Building Department, which is in a historic building sitting at one end of Miracle Mile in Coral Gables.  It's actually the focal point of Miracle Mile at its west end.  This photograph, taken by Thomas Territt at night, highlights the beauty of the building.  

    Now tell me, which of these two cities invites you to build in its city?  

    The funny thing is that the City of Miami has the land.  It has a huge plaza in front of the building which could be redesigned into a wonderful urban space.  The empty lot could be designed as a parking lot.  As much traffic as this building gets, the plaza could be developed into a really wonderful space with kiosks and covered spaces, selling everything from pastelitos, Cuban coffee, sandwiches, newspapers, magazines, flowers and possibly even hot food.  With a few table and chairs, this dull, uninviting plaza could be transformed into a money-making, wonderful place to gather as we transact business with the city.  

    So everybody wins!  The public wins because they don’t have to go through a dismal street and through a parking garage to get to the building.  The city wins because by adding value they can make money. 

    If architects, contractors, developers, and investors and going to invest and pay taxes in the city, why wouldn't the city administration take notice and make the entrace to the city's building department a welcoming experience?

  2. Walkable city views

    I heard Peter Lovenheim on NPR yesterday. He talked about the murder/suicide that occurred on his street which made him realized that, like most people on his street, he didn't know the couple. This made him want to get to know his neighbors and he proceeded with a social experiment. The Los Angeles Times has an article about it this month called Social Experiment: Know Thy Neighbor.

    I love what Peter says:

    In this age of cheap long distance, discount airlines and the Internet, when we can create community anywhere, why do neighborhoods still matter? They matter because we are all mortal, and if we have an emergency, a friend even 10 minutes away may be a friend too far.

    They matter because all our resources are finite and if you're baking a cake at night and have to drive to the supermarket for a bottle of vanilla — as one of my neighbors confessed she recently had done — instead of borrowing from the person next door, you're wasting gas, energy and your own valuable time.

    They matter because our society is too fragmented, and if we want to start rebuilding a healthy civil society by learning to understand and live peacefully with people whose ideas about religion, morality and politics may be different from our own, a very good place to start is with the people in our own apartment building or on our own block.

    And neighborhoods matter because the people closest to us may be able to enrich our lives in ways we'll never know unless we actually know them.

    But why don't we know our neighbors? Part of it is cultural, but part of the problem is physical. We don't build neighborhoods like we used to. We have no sidewalks in many modern neighborhoods. We don't build porches. We have deep front setbacks so that even if someone is walking down the street, we are too far from them in our houses to interact with the passersby. We live in enclosed air-conditioned spaces with no relationship to the outside. We live in segregated communities which are so boring to walk because there is nothing to see and nobody with which to interact.

    I heard a University of Pennsylvania professor recently talking about how people determine the market housing that is built. I don't particularly agree with him. I think that first the general population has to know what's possible. You cannot ask for something which you don't know is possible, or even exists somewhere else.

    So here it is, I am putting it out there. It is possible to build walkable cities. The Europeans have been doing it for centuries. We can build mixed-use areas so that there are retail shops to look at while we walk. We can demand that the government start building public transportation systems that work. All of this is possible. It just takes determination and persistence in asking for it, in talking about it. So let's ask!

  3. I was talking to a friend of mine and he got on the topic of the Miami Urban Think Tank or MUTT for short. What a great name!  In seeing the contributors to their website, the majority are young people with Hispanic surnames but educated in this country.  So I just love the name MUTT because that is what I am, a mix breed.  Cuban by birth, but almost totally identified with American culture and the Cuban-American culture of Miami, I am definitely a MUTT.

     As a child I lived up north, that’s north of Tallahassee, Florida.  It seems that Florida is a place so different from the rest of the traditional American landscape.  I lived in St. Louis, Missouri; Rindge, New Hampshire; Athens, Alabama, Macon, Georgia; studied architecture at Georgia Tech in Atlanta, Georgia; and then over 30 years ago, I moved to Miami.  None of those other places had palm trees.  They didn’t have orange groves either. 

     As a child, my family travelled by car constantly, mostly to Miami, when my father had time off from teaching as a professor at different colleges.  Because of this, I was exposed to much urban planning, or lack thereof, throughout the U.S.  My favorite place from my childhood was Rindge, New Hampshire.  It had a small “commons” so typical of New England towns.  And the town had a real sense of community partly due to its simple plan and the use of the commons for garage sales and monthly dinner club meetings.

     MUTT’s website, http://www.miamiurbanthinktank.com  is dedicated to bringing attention to ideas which need exposure.  I certainly have a pet peeve about Miami. 

     My biggest gripe about Miami is the lack of urban spaces.  For years I watched the big parking lot just north of the old Dupont Plaza building and thought what a wonderful urban space it would make, if it were re-designed and incorporated into the public domain.  Unfortunately, I never said anything and now it’s almost all built-out.

    But just because that one space can't be used doesn't mean that we can't find land and create other wonderful urban spaces. Barcelona has Las Ramblas and La Plaza Cataluna. Paris has the Champs-Elysées. Munich has the Marienplatz. New York has Times Square. Washington has the National Mall. What do we have? Nothing, absolutely nothing. Miami Beach at least has made a start with its new Performing Arts Center and Park.

    Last week I was going to Miami-Dade College Downtown Campus to a conference and the traffic was so backed up on 5th Street that I decided to park by Government Center and walk the two blocks. While I was walking, I saw this poor excuse for a park/urban space. See photo above. Is this the best we can do? As we watch all the Middle East protesters, where would we go If we needed to have a revolution?

    When I attended the town meetings during the Miami 21 process, there was one man who stood up at every meeting and lobbied for parks. I am sure that more parks will be included in the new Miami 21 plan because of his effort.

    But now we should start generating a consciousness for urban spaces. Miami needs them. We should lobby for them. Why should we have to go to shopping centers to congregate with other people? This should be a free activity. People watching can be fun and it can be free, if we have the public spaces to do it.

    I hope we start talking about this - all of us. If we do, eventually we will get this idea into the collective unconscious. And then, maybe the county or city commission will actually listen and start directing their planning staffs to incorporate them into the urban plans for the city and county. We could transform Miami into a really interesting lively place!


  4. When I was a child unlike most Cubans, my family lived in the north – Missouri, New Hampshire, Alabama, and Georgia.  We would come to Miami all the time on vacation, sometimes twice a year.  I used to visit all my Cuban exile relatives.  Everybody lived in a modest house – 2 to 3 bedrooms, 1 to 2 bathrooms.  Many had window air-conditioners in the bedrooms.  The rest of the house did not have any air-conditioning at all.

    What these houses had in common was that they were “affordable”.  Nobody called them affordable, but they were built to be affordable, and in large part, the vast majority of the middle class could afford them. 

    In Key Biscayne the original Mackle houses from the 1950’s had 1200 square feet with 3 bedrooms and one bathroom. They were simple boxes built for the masses.  In the 1960’s the Mackle houses were often expanded with an additional bedroom, bathroom, or carport.  See for more on Key Biscayne history at http://www.keylife.com/history

    Now we build “affordable” houses which are hardly affordable to anyone.  According to the Miami-Dade Public Housing Agency the median income for Miami-Dade County is $52,200.  The standard for affordability in buying a house is 2.5 times annual income.  So for Miami-Dade County the average house should cost $130,500. 

    The Miami-Dade County Housing Data Clearinghouse 2005 4th Quarter Bulletin stated:

    In 1970, the median value of a home in Miami-Dade County was about double the median yearly household income, which at the time was $7,151.  In just 30 years, by 2000, a home was valued at $124,000, nearly 3.5 times the median yearly household income.  And just four years later, in 2004, a home’s value, $193,906 was more than 5 times the household yearly income of $37,025.

    The latest widening of the “Housing Affordability Gap” between 2000 and 2004 was due to an almost static income level coupled with a large spike in housing value. The median value of a house increased by over 56 percent, while there was barely a 3 percent increase in income between 2000 and 2004.  Though the highest percentage housing value increase was between 1970 and 1975 (160 percent), the increase between 2000 and 2004 was the largest without a corresponding raise in the median income level.

    In 2004, 80 percent of the median household income in Miami-Dade County was $29,620 and 319,931 households earned at or below this level.  This was 40 percent of total households.

    According to http://www.city-data.com/county/Miami-Dade_County-FL.html   the mean price of a detached home in 2008 was $436,278, now it is down to $150,000. 

    Even after the crash of the housing market and the lowering of housing prices, there’s something very wrong with this picture! 

    Anyway we look at it, as a community, we could not afford the $436,000 houses.  But we still cannot afford the $150,000 houses.  I think we need to do some radical things to correct this picture. 

    We need to build smaller houses with fewer amenities.  We need to go back and build smaller houses but better designed houses.  Why not start with 1,300 square feet with three bedrooms and 1 and 1 ½ baths, but with a design which has the possibility of adding another bedroom, bath, and possibly a family room?  Let’s make it look great, but let’s build it to be really affordable.

    We need to build “green” houses which have cross-ventilation and fans.  If we are going to air-condition the house, then it needs to be really efficient.  97% of heat gain is through the roof and not the walls, so for cost efficiency the majority of the insulation needs to be placed in the attic.  There are many other green ideas, but to me the most important are the ones which save energy costs for the future resident.  Let’s plant a few trees and maybe design a pergola for living outdoors. 

    If we can’t do anything immediately to raise salaries, then let’s lower fixed costs.

    I think it’s time to live smart.  As the population ages, we don’t need so much space.  The children grow up and leave home.  What are we going to do with all that square footage?  Let’s think things through.  Do we really have to have the McMansion or can we live with a MansionJunior?  Let’s re-focus our energies and build what we can afford and what we need.  We can still have the American dream, we just need to have a clear picture of what we want to afford.  Happiness comes from wanting what we can have.

  5. Residential construction site for house by Miami architectsThere was an interesting article in the Miami Herald today which jarred my mind and made me think.

    Apparently, the article called International Appeal says that 22% of all real estate sales to foreign nationals are occurring in Florida. California attracts just 12% of the international market. Nationally, the market for residential property by buyers who owned primary residences in other countries was $41 million, 4% of the total market. At one time a few years ago, our market share of international investors was as much as 26%. Of all international buyers in Florida, 31% are Canadians. Although there were many buyers who bought multi-million dollar home, the average, according to the article, was $219,400. In Florida 82% paid with cash.

    So what do all these statistics say to me? They say that foreigners still like Miami. Miami is still hot! So what do we have to do to cash in on all these foreign investments? Before the economic downturn, people just invested, waited, flipped their properties, and collected their profits. So what now? Well, now is the perfect time for that age old concept of "value adding". In other words, we cannot invest and collect money. We have to add value to whatever property we invest in. But there is a market still. The market is lower, but it's still there.

    There are foreclosures out there. Labor costs are down. There are opportunities to rehab, to expand properties, to build new. If you can lend the money, there is even more opportunity for those cash buyers who want an improved property. This is the time to buy property, improve, and sell to foreign investors. With less expensive properties, even taxes are down. What are we waiting for?

  6. In my previous blog I was very excited for those who may be in serious jeopardy of losing their homes, but then I read an interesting letter to the editor in the Miami Herald, February 21, from Professor Donal Jones, law professor at the University of Miami.

    Apparently, from what Professor Jones says, my enthusiasm was baseless.  He says, "If it [the house] is not sold the bank is often able to maintain the repossessed house on its books without showing a loss. The bank can list the value of its asset based on what it would be at ''maturity.'' The now-empty house may have been vandalized and have rotted drywall. But on paper the repossessed house is as valuable as it was before the bubble burst. The bank has no skin in the game."

    Moreover, since so many of these homeowners at risk of foreclosure are underwater with their mortgages, without a considerable amount of debt forgiveness, homeowners who continue to pay their mortgages will continue to pay mortgages in which they will have no equity for a long, long time, unless the real estate market miraculously recovers soon.  

    Professor Jones tells us that the Federal government has started a Foreclosure Alternative Program, where they pay incentives to mortgage companies to allow homeowners to sell their homes through short sales or to allow homeowners to turn over their homes in lieu of foreclosures.

    Apparently, Mediation is not the panacea that I thought.  It looks that the Federal government will have to lend a hand to homeowners after all. 

  7. Florida Supreme Court

    We Floridians have been watching the foreclosure crash for a year now while our Federal government bailed out major banks across the country.  While Main Street sat in ruins, Wall Street continued to reward their executives with millions of dollars in bonuses and pay back only a portion of the losses caused by the banking and insurance industries. 

    Almost all of us have heard of somebody who lost his house to foreclosure after losing his job.   And although this presents excellent opportunities for those who have cash to buy foreclosures, remodel them, thereby adding value and then selling them at a profit, it must be a gut wrenching experience for those who put their hard earned money into their homes, only to lose them to foreclosure.

    Good news in on the way for homeowners in Florida who are in jeopardy of losing their homes. The Supreme Court of Florida on Monday, according to the Miami Herald editorial on Saturday, "issued an administrative order requiring a statewide managed mediation program to handle all the foreclosures inundating state courts."  The courts are forcing banks which are reluctant to offer homeowners alternative to foreclosure to sit down, talk, and "to negotiate rather than automatically foreclose."

    I think this is welcome news for desperate homeowners, overworked courts, and the majority of us who think this will be a benefit to the middle class in Miami-Dade County by stabilizing neighborhoods and allowing otherwise responsible citizens some time to work out their financial problems without losing their largest asset.

  8.  

    Barcelona - El Ensanche

    Views of Barcelona - El Ensanche

    Yesterday was a great day for the City of Miami.  The new Miami 21 Zoning Code was approved by the City of Miami commissioners.

    Miami 21 is the most comprehensive zoning code change I have seen in any part of Miami-Dade County in my over 25 years of practicing architecture.  It took 4 years of meetings and discussions to complete.

    The very talented town planning firm of Duany Plater-Zyberk and Company, hired as the lead consultant to produce this code, held hundreds of meetings throughout the city and took testimony from many residents.  It was a controversial process. 

    Architects took sides.  There was the Duany Plater-Zyberk and their University of Miami colleagues and then there was the Bernard Zyscovich side.  The AIA had meetings about it.  Generally, there were many fights about density and height restrictions - and design, of course!

    While most codes are based on the multiplication of a number times the size of the lot to obtain such things as maximum lot coverage, maximum buildable area, floor area ratio, green area, etc., this new code emphasizes physical results.  It is a form-based code.  It does not care so much about the size of the lot, as what the building will look like.  Will it have porches, covered walkways, and other items which make it pedestrian friendly?  Will people want to walk down the street in this new designed city?  Yes, that's the idea!

    What makes a city walkable or what makes it anti-pedestrian?  Liz Plater-Zyberk has lectured often on this issue, and at one of the many meetings, she explained their planning theories and their system of Transets T1 to T6

    Among the many issues they discussed, one of the most important, is the issue of car parking.  Large parking lots, whether surface parking or garage parking, will deaden any street.  No live human will want to walk in front of a parking garage or parking lot.  So in their code visible surface parking on a major street is prohibited  

    In traditional zoning, if the lot is large, then the building (as a multiplication of the size of the lot) gets to be a tall large building.  In this zoning, the zoning tells the owner how many stories to build.  Everyone on the same street gets to build the same number of stories.  So one lot won't have a huge, tall building with the lot next door allowed only a much shorter building.

    Many parts of the city will have mixed-zoning with the street level dedicated to commercial space with residential units above that. 

    The opposition's position is the new code would limit "design flexibility". 

    As I attended meetings, listened to, or read about the discussions, I was reminded of the many cities I have walked - Barcelona, Paris, Munich, Madrid, South Beach, etc.  And then I think of the ones I would never walk - Miami, Atlanta, Houston, etc.

    Many things limit design flexibility - our present City of Miami Zoning Code.  It has setbacks, it has height restrictions, and it has all kind of details that hamper design flexibility.  Our current code does not produce any cohesive cityscape.  It produces a bunch of independent buildings which have no cohesion as a group, a neighborhood, or a city. 

    I spent a summer in Barcelona, while I was in college, working for an architectural firm on a student exchange program.  I think this is why I am such a fan of Duany Plater-Zyberk and Company.  That summer in Barcelona I walked and walked and walked.  I took rolls of photographs and discovered the contemporaries of Antonio Gaudi.  See, Gaudi did not work in a vacuum.  I am sure he influenced his contemporaries and his contemporaries influenced him.  His buildings are in context.  They are a part of the city.  That is what Miami needs - buildings in context, not floating, independent self-involved structures who fail to integrate with their environment.

    In physical codes (and I am sure that Barcelona must have one) things change but they stay the same.  Here I have several photos of Barcelona streetscapes and you can see for yourself.  The number of stories must be regulated.  The location of the building on the lot must be regulated.  See for yourself, balconies change, but there is a consistency which makes the buildings flow from one balcony to the next.  Some details change while some stay the same.  There are no shocking changes - radical height changes, radical recessions from the street, etc.  The ground floor is all commercial.  The parking lots are sheltered from the main street.

    In my opinion what we will see eventually is that there are a many design possibilities within the constraints of this code.  And by implementing this code we will see the new cohesiveness that will develop within city buildings.  Where there is always a tension between independence in building design and a unified urban plan, the pendulum had swung in the direction of independent building design.  Now it will swing once again in the other direction.  I, for one, I think that yesterday was a great day, the start of a movement toward an organized pedestrian city we can all enjoy! 

  9. For every person who buys a property at foreclosure, there is a terrible story of someone who lost a valuable asset.  It is the story of someone who saved and saved until he was able to provide a downpayment for a new house and then paid for that mortgage one year or 20 years.  We don't know.  What we do know is that the loss of the house was probably due to this horrible economic downturn which all of us in the construction business are suffering.

    So what can be done now to turn this terrible crisis around?  Well, I don't know if I can tell you what to do, but I can certainly tell you what not to do.

    I read Jackie Bueno Sousa's column this yesterday in the Miami Herald, Disconnect in home values is killing deals.  Apparently, the new property appraiser which we elected in 2008, Pedro J. Garcia, is not counting foreclosures in his appraisals. 

    But the appraiser's website states," ...I set out to establish the right values for all properties in the County.  The assessments on the 2009 Notice of Proposed Property Taxes (TRIM Notice) mailed to you last month, reflected market value reductions of as much as 20% to 30% in some municipalities.  I have met my promise to you, the property owners of Miami-Dade County and my Office has done its job."  The question becomes, if he counted foreclosures, how much lower would these values be?

    Sousa states in her column that a purchaser gave up on a deal when he found out that a house which sold for $600,000 a couple of years ago and was now on the market for $300,000 would still be taxed at the higher value.  How can this be?  Apparently, from what Sousa says, this is happening all over Miami-Dade County killing deals and preventing the economic recovery that could so help the county as a whole.

    How is it possible that Mr. Garcia can just ignore foreclosures?

    Here is what the Florida Statutes says on "factors to consider in deriving a just valuation":

    • 1. The present cash value of the property, which is the amount a willing purchaser would pay a willing seller...
    • 2. The highest and best use to which the property can be expected to be put in the immediate future and the present use of the property, taking into consideration the legally permissible use of the property...
    • 3. The location of said property
    • 4. The quantity or size of said property;
    • 5. The cost of said property and the present replacement value of any improvements thereon;
    • 6. The condition of said property;
    • 7. The income from said property; and
    • 8. The net proceeds of the sale of the property, as received by the seller, after deduction of all of the usual and reasonable fees and costs of the sale...

    It seems to me that if the property appraiser follows the Florida Statutes above, particularly "1" and "2", he would be forced to consider whether the property in question actually went through a foreclosure, whether the property value of said property is being affected by a nearby foreclosed property, or whether the selling price is actually much lower than the last time it sold.  Once the property sells it should be assessed at the lower value!

    If we can get the construction industry moving again with the restoration of the real estate market and the reconstruction of many of these distressed properties, we can again move Miami into the economic engine it usually is, and get make more jobs available to those who have suffered so much in this environment.

    Maybe it's time to get the legislature to put more teeth into the Florida Statutes and make sure the local property appraiser considers foreclosures in his valuations.  Contact your representative and make sure he knows about your wishes on this issue. 

  10. Last Thursday, October 1, I was driving around when a new report on WLRN piqued my interest. The report said that Florida was going to allow the raising of insurance premiums again for homeowner’s policies.

    I wondered how this could happen. After all, we haven’t had a hurricane in 4 years. Those insurance companies must be raking in the profits - 4 years of not having to pay out on any losses, 4 years of not having to send out any insurance adjusters, 4 years of sitting around on a pile of cash. “Hum, how could this happen?” I asked myself. The story stated that one of the reasons was that the insurance companies were losing too much money on the wind mitigation credits - they were not getting enough money from premiums.

    As it stands now wind mitigation credits are offered for strengthening roofs by reinforcing roof-towall connections, roof decking and attachments. Concrete slab roofs also yield mitigation credits. In addition, credits are also granted for preventing water intrusion with secondary water barrier
    protections. And lastly, protecting door and window openings with shutters, or providing impactresistant windows, also qualify for credits.

    So why are the companies losing money on the credits?

    I decided to research the issue. I came across a couple of articles on the internet that speak to the issue and can actually give us more details. The Florida Commission on Hurricane Loss Projection Methodology, Windstorm Mitigation Committee Hearing Report (September 17) states that some counties are actually paying too little while others are paying too much. But then the report adds:

                  Florida Association of Insurance Agents Executive Vice President Scott Johnson provided
                  testimony relating to agent issues. After his presentation, there was significant discussion
                  regarding inspection fraud and that some agents may passively allow fraud to occur. Mr.
                  Johnson recommended that policies should be adopted to give a policyholder "skin in the
                  game" regarding verification of premium reductions. Dr. Nicholson noted that the system is
                 "sick" and that there should be laws against tying financial incentives to wind inspections.
                  Agents should not have business relationships with inspectors.

    There is also an interesting article by Scott S. Koedel, CPA, president and COO of Don Meyler Inspections, Ensuring the accuracy of windstorm mitigation credits, where he argues:

                 As awareness of the windstorm mitigation inspection has increased, so has the sheer
                 quantity of inspectors performing inspections, which now number in the thousands. This
                 rapid growth has resulted in a widely varying level of quality control processes among
                 inspection companies. While one company may … submit them to a quality control
                 department run by a professional engineer, another may handwrite the inspecti on results on
                 a paper form and leave it behind with the homeowner.

    Koedel continues:

                Unfortunately, fraud has become a topic of concern. Underwriters have reported numerous
                instances of inspectors not entering policyholders' homes or attics, an obvious prerequisite
                for a proper windstorm mitigation inspection. In the most examples of impropriety, doctoring
                of the mitigation inspection form has occurred.

    In the article, he continues with what steps could be taken to rein in the inspectors.

    So apparently, the problem is not the issue of the wind credits, but the fraud that is occurring with the inspections.

    The other question which could be asked would be: Would the credits save insurance companies money if a hurricane were to occur?

    If we go back to the September 17 report:

                Applied Research Associates Chief Technical Officer Larry Twisdale continued his
                presentation on a loss relativity study from the previous Committee meeting. The study
                indicated that a well-mitigated building will reduce loss by 40-60 percent.

    In conclusion, the problem that the insurance companies are losing money is not due to the mitigation credits when they are properly applied. A building which is properly built to the new building codes, and roofs which are either concrete or have the latest attachments and roof coverings, will reduce the losses that an insurance company will have to pay out should a hurricane hit the area.

    So the solution to the problem should not be to raise premiums but to control who can sign off on wind mitigation credit forms.

    Residents of the state should demand that inspectors hold a special license where they are liable, as any professional engineer, or architect, or general contractor would be. Or as an alternate, they must be licensed architects, professional engineers, or general contractors. The inspection for should be sent directly to the state by the professional.  No leaving behind any forms for the homeowners to doctor or fill out. And, then we can demand that premiums remain the same and not be increased.
  11. Feel free to leave me comments and ask any questions you might have.  No question is stupid and I am here to help you.  Please feel free to leave any question you may have regarding architecture, construction, or the management of a construction project.  I don't know everything, but I can be of help on many issues about which you may have questions.  Send me an email, MLC@UnitedArchitectsInc.com or call me at 305-552-5465.

Copyright 2008-11 © United Architects, Inc., 4000 Ponce de Leon Blvd., Suite 470, Coral Gables, Florida 33146
Corporate License:  AAC001377
Phone:  305-442-4821 or 305-552-5465 
MLC@UnitedArchitectsInc.com