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Warnings – Avant-Garde https://www.earthquakeretrofits.com The SF Bay Area's Premier Seismic Retrofit Contractor. Premium Retrofit Packages. Strengthen & Protect Your Home Today! Wed, 08 Oct 2025 05:58:02 +0000 en-US hourly 1 https://wordpress.org/?v=6.9.4 https://www.earthquakeretrofits.com/wp-content/uploads/2025/06/FAV-100x100.webp Warnings – Avant-Garde https://www.earthquakeretrofits.com 32 32 Common Seismic Building Code Violations in the Bay Area https://www.earthquakeretrofits.com/common-seismic-building-code-violations-in-the-bay-area/ https://www.earthquakeretrofits.com/common-seismic-building-code-violations-in-the-bay-area/#respond Tue, 01 Apr 2025 13:25:00 +0000 https://www.avant-gardece.com/?p=3531 In a high seismic activity region like the Bay Area, specific seismic building codes have been created to ensure the safety of people and property in such events.

When these codes aren’t met, however, a property is deemed unsafe. That’s why it’s important to know the most common code violations to ensure your building is safe and prepared.

What Are Seismic Building Codes?

Seismic building codes are legally enforceable standards to ensure buildings can withstand local seismic activity. They’re used in earthquake-prone regions, like the San Francisco Bay Area, to guarantee public safety, structural integrity, and property preservation.

How Is a Seismic Building Code Violated?

The most common reasons seismic building codes are violated are through overlooked work, outdated structure, or contractor shortcuts.

For example, in the Bay Area, we often see unpermitted or DIY renovations that bypass code review or older buildings that were never retrofitted.

Another way a code is violated is through contractors or construction errors. Perhaps an anchor bolt hole has been drilled oversized, the wrong size bolts have been used, or not enough bolts have been installed, etc.

Alongside the above, sometimes, codes just naturally get violated. A code might get updated, and the latest retrofit may no longer be adequate. 

Most Common Seismic Building Code Violations

There are many common seismic building code violations. We believe that these are:

  1. Missing or Improper Foundation Bolting
  2. Unbraced Cripple Walls
  3. Unaddressed Soft-Story Conditions
  4. Lack of Shear Transfer Connections
  5. Non-Ductile Concrete Frames

1.   Missing or Improper Foundation Bolting

The California building code requires sill plates (also known as mud sills) to be anchored to the foundation with steel bolts with bearing plates and nuts—with at least two exposed threads above the nuts.

Alongside this, there should be two per sill section (one near each end), and they shouldn’t be spaced more than 6 feet on center. At shear walls, the spacing is required at 32”. Bolts are also required at each end of the mudsill, and centered at the first and last bay of each shear panel.

In many older homes, think homes built before the 1950s, there may be no anchor bolts at all. In certain Bay Area cities, like San Francisco, though, 44% of homes have been built before 1940.

Not only this, but some contractors install foundation bolting incorrectly. Some may space them incorrectly, use the wrong type or embedment, install too few, or drill the holes too large, reducing the strength and integrity of the bolts and overall retrofit.

This code violation is massively problematic. Without proper foundation bolting, it can cause the house to slide off its foundation during seismic activity.

2.   Unbraced Cripple Walls

Cripple walls are short wood-framed walls above the foundation on a raised floor. They’re there to increase the lateral strength of your property’s foundation/first floor.

The code (CBC) and retrofit guides require these walls to be sheathed with structural-grade plywood panels. They should also be tied to the framing.

Missing framing or plywood, however, means little cripple wall strength. This makes it extremely vulnerable during heavy earthquakes.

Most cripple walls lack plywood altogether, which is more common than you think, leaving them unbraced and weak.

In South Napa, this was a huge issue in 2014. A lot of the home were built before pre-1980s with inadequate cripple wall bracing, leading to many homes getting “red flagged” for structural failure.

When shear panels are installed, they must be properly framed, nailed, notched, spaced, sized, etc.. If any of these components are done incorrectly, which usually is the case, you will not have the required protection.

3.   Soft-Story Conditions

A soft-story appears when the ground floor has an opening (garage door, large storefront window, etc.) spanning most of the property’s width with minimal shear walls. This, unfortunately, makes the first story remarkably weak compared to those above.

In the Bay Area, however, a large majority of apartment buildings and condos built before 1978 have soft stories. These, due to the time they were developed, don’t meet the modern seismic standard imposed by the state.

Currently, the SF Mandatory Soft-Story Retrofit Program is doing a great job of identifying these buildings in their area. Still, many continue to violate this building code.

Violating this means that the building has inadequate lateral resistance. In circumstances like a seismic earthquake, properties with poor soft-story conditions usually pancake or collapse.

4.   Lack of Shear Transfer Connections

Local codes state that shear transfer ties/clips or blocking are required to tie the floor framing (joists/plates) to the braced wall or mudsill. With many Bay Area homes, though, this is usually overlooked.

What we often see is the contractor using the toe-nail connection per legacy framing standards. This states that you must nail three toe-nails per joist. However, this is generally the only connection; no metal connectors are installed, making it non-compliant.

Without this connection, especially with older homes, the floor can move off the braced wall during a quake. If this happens, the structural integrity of the property can be at risk.

Further, many modern retrofits often install the wrong type of connector, or leave fasteners missing and/ or not installed properly (most people use nails even though they know structural screws offer more strength, higher withdrawal rating, and have a lower chance to split the wood).

5.   Non-Ductile Concrete Frames

Many of the Bay Area commercial buildings and even older apartments were constructed pre-1970. During this time, they used reinforced concrete frames. Though great for the time, now, these are considered to have a lack of rebar details (aka non-ductile concrete).

In a non-ductile building, columns don’t have closely spaced ties. As a result, instead of flexing during seismic activity, they shatter. This can cause the overall strength and loading of the building to be imbalanced.

All of these structures are also considered non-compliant. Yet, despite this, thousands remain in areas like San Francisco and Oakland. In fact, there are around 4,000 older concrete buildings in San Francisco alone.

How to Ensure Seismic Building Code Compliance

To bring an existing building into compliance, Bay Area owners should follow the clear retrofit process below:

1.   Schedule a Professional Seismic Evaluation

Before anything, hire a licensed professional (preferably someone experienced in seismic retrofits) to take their time properly evaluating your property.

During this evaluation, they’ll thoroughly evaluate the entire crawl space and foundation plus reviewing any past retrofits. While most retrofits start in the crawl space, creating a continuous load path starting at the roof and transferring all the way down to the foundation is the only way to obtain the best level of protection.

 You will find most contractors bending over backwards to give you a “free estimate.” For most homeowners, their home is the largest investment they will make, and your family spends at least 33% of their time home (assuming you sleep at least 8 hours a night every day at home).
When it comes to seismic protection for your home, and more importantly your family, you should not be looking for the cheapest or least amount of work done possible. You should instead look for contractors that actually have knowledge performing entire home retrofits, contractors that can thoroughly explain how an earthquake force can affect your home, and how your home may react during a strong seismic event.

There are specialty licenses for almost everything in construction, and yet, sadly, there is none for seismic retrofitting.

2.   Review Local Requirements

In the Bay Area, building codes can vary by city. Therefore, after the evaluation, your seismic retrofit professional will guide you through any city-specific seismic requirements or ordinances.

Currently, there are several programs to understand. This is the San Francisco Soft-Story Retrofit Program, as well as the Oakland and Berkeley Ordinances.

The seismic retrofit professional you choose should confirm whether or not your property is subject to these new mandatory retrofit rules.

3.   Obtain Retrofit Designs

Once the assessment is complete, your contractor or engineer will prepare a detailed set of retrofit drawings and specifications. These will specify the scope of work.

All of the plans should align with the California Building Code (CBC), California Residential Code (CRC), Chapter A3, Plan Set A, and/ or FEMA recommendations like FEMA P-1100, FEMA P-1100-2A, or FEMA P-1100-2B.

4.   Hire a Licensed Contractor

Your next step is to hire a licensed contractor to carry out the work. A lot of the time, the retrofit designer will recommend someone or have a team that can carry out the work.

As a rule of thumb, you want to look for contractors that:

  • Have experience with seismic retrofitting before the creation of grant programs like the Earthquake Brace + Bolt (EBB).
  • Are familiar with seismic codes on a regional and city level.
  • Actually have knowledge beyond the minimum requirements of Plan Set A (most contractors cannot even follow these two-page requirements properly).

Ideally, you want to avoid hiring general contractors with zero seismic retrofit experience and/ or cannot offer any recommendations for increased seismic protection.

5.   Get Permits and Inspections

Once you have your retrofit plans, your contractor should apply for a building permit through the local building department. A city inspector will then verify the plans as well as perform on-site visits as the work is being carried out. Although the inspections should catch all non-complaint work, this often is not actually the case. Not only are the inspectors not given the proper amount of time to inspect, the plans are often missing key requirements, and the work is for the most part considered to be “just a voluntary seismic upgrade.” As long as the work does not actually make your home any worse, they often will approve anything. In some cases, we have seen seismic retrofits done so incorrectly that they actually did make the home more dangerous (and was still approved by the local building department, EBB, and FEMA).

Additionally, when a seismic retrofit is done incorrectly, but the homeowner does not know, they will have a false sense of security which ultimately may be a more dangerous situation than knowing your home is not safe.

6.   Apply for Grants or Rebates

If you do not need to pay out of your own pocket, why do it? Before any work commences, look for grant programs that help property owners fund their seismic upgrades.

Nowadays, there are quite a few. Some popular options include:

  • Earthquake Brace + Bolt (EBB): Offers up to $3,000 for foundation bolting and cripple wall bracing.
  • Soft-Story Retrofit Grant: Provides up to $13,000 for eligible soft-story seismic retrofits.
  • Low-Income Retrofit Assistance: Qualifying households may receive up to $5,800-$10,000 cost coverage through the EBB Supplemental Grant.

Ideally, your contractor will know what grants you can apply for.

7.   Keep Documentation

When your retrofit is complete, keep records of everything. This includes stamped plans and valuations, permit applications, documented photos, invoice, etc. This will be essential for possible insurance claims, resale, or refinancing.

Contact Us

Our team at Avant-Garde are experts in seismic evaluation, retrofit design, and retrofit installation in the Bay Area.

It doesn’t matter whether you are concerned about a retrofit in San Francisco, a soft-story retrofit in Oakland, or foundation bolting; we’re here to help every step of the way.

To get a better understanding of how our team can help, contact us today . Waiting will be a professional ready to assist.

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How to Set Earthquake Performance Goals https://www.earthquakeretrofits.com/how-to-set-earthquake-performance-goals/ https://www.earthquakeretrofits.com/how-to-set-earthquake-performance-goals/#respond Wed, 01 Jan 2025 14:32:23 +0000 https://www.avant-gardece.com/?p=3459 How to Set Earthquake Performance Goals

When it comes to earthquake performance goals, you can just follow the “code”, for example, for those in the Bay Area, the CBSC, IBC, and local building regulations. However, for most buildings, these “codes” aren’t good enough performance goals.

The reason for this is that these codes are designed to stop building collapse. At first glance, they seem great; however, they do not account for function preservation or minimal financial loss in such events. This goes unaccounted for.

As a result, property owners need to come up with real earthquake performance goals, which, normally, require additional seismic protection. These goals should be specific to your building, such as its activities, occupants, contents, recovery needs, and financial considerations.

What Really Matters to You?

Simply, earthquake/seismic performance goals should reflect your priorities. Codes may save your building from collapse and limit fatalities. Goals, on the other hand, help reduce downtime, protect a building’s internal infrastructure, etc.

For example, imagine you own a hospital. With such buildings, you want to limit or eliminate downtime. This means you want to protect the building as well as its contents. If the contents are damaged, like fire sprinklers, etc., it may need to be shut down until repaired.

Now, let’s say you had a warehouse. Of course, you don’t want this to collapse, but you may accept downtime a little more. At the end of the day, it’s less life-threatening if a warehouse cannot re-begin work for a few days, weeks, etc.

This makes the question, “What really matters to me?”, very important. Before creating any performance goals, you need to repeat this. By asking yourself such a question, you’ll be able to create a performance-based seismic design specific to your goals and situation.

Key Questions to Guide Your Performance Goals

When establishing earthquake performance goals for your building, it helps to break down the problem into a few key areas:

  • Activities in the Building
  • Occupants and Contents
  • Post-Earthquake Recovery Needs
  • Financial Considerations

Activities in the Building

  • What is the building used for, and which functions are mission-critical? Identify the primary activities that happen in the facility that are deemed essential to your business or mission (for example, operations that impact your revenue, reputation, or anything that cannot be moved elsewhere)
  • How would an earthquake disrupt those activities? Consider how damage or loss of utilities, like power, water, gas, internet, etc., could impact your essential operations. You should also think about how costly or difficult it would be to relocate or how long you could survive if the operations were to stop.

Occupants and Contents

  • Who uses the building, and are any occupants especially vulnerable? Think about how many people are in the building and who is in the building. Particularly vulnerable individuals, like children, the elderly, and those with limited mobility, will need extra protection.
  • What valuable contents or equipment are inside? For example, specialized machinery, servers, research samples, artwork, archives, etc. The best way to answer this question is to think about how hard (or costly) it would be to repair or replace certain items if they were to become damaged.
  • Are there hazardous materials present? These types of materials could present serious health or environmental risks. Consider what materials may need additional protection to prevent the spillage or release of such chemicals.
  • What if people can’t access the building? If your staff or residents cannot enter the facility for days, weeks, and maybe even months, what would be the consequence? Would it prevent them from doing their jobs, accessing important materials they need, etc.?

Post-Earthquake Recovery Needs

  • How quickly do you need to resume operations? Determine what’s at stake if your building is unusable for an extended period of time. If you can only handle minimal interruption, your performance goals should reflect that.
  • Is the building needed immediately after a quake? If your building is required immediately after seismic activity, for example, any emergency response building, this will massively increase the required performance level.
  • Will people shelter on-site? Consider what occupants, staff, or community members may rely on if they can no longer use this building for shelter. What would be the steps to ensure they have shelter until the building is deemed safe again?

Financial Considerations

  • What financial losses are you willing to tolerate? On average, an earthquake can cause around $4.4 billion in damage. Therefore, you need to think about the economic impact that can come along with disrupted operations and how much you can handle.
  • Could the building be a total loss? In a worst-case scenario, a very heavily damaged building may need to be demolished. Could you handle this? What would the impact be on your operations and financial well-being?
  • Do you have funds to repair quickly? After an earthquake, having the liquidity (or insurance payouts) to start repairs as soon as possible is crucial. If you know resources may be tight, designing for higher performance may be wise.
  • What about reputation and liability? You should also consider less tangible costs. For example, if your building gets red-tagged, how would that affect your organization’s reputation, public relations, or even legal liability?

Performance Goals Should Vary by Earthquake Size

Small, frequent tremors can impact your building differently than rare, catastrophic quakes. Your goals should reflect this as well.

Generally speaking, it’s reasonable to accept that a major, very rare earthquake might cause some damage, financial loss, and downtime. Simply designing a building for absolutely no damage in the worst-case event is, most of the time, impractical.

However, for something like a moderate earthquake, which has a higher chance of occurring, you might expect your building to remain functional with only minor repairs needed.

In other words, your performance goals should align with your targets for safety, repair time, and allowable damage to expect earthquake severity. For moderate events, you may set high performance expectations, while for extreme events, the objective may be more forgiving.

One useful tool for this is a performance goal-setting worksheet. This is a simple table where you can define acceptable outcomes for different earthquake scenarios—for example, moderate and rare events. By filling in the target outcomes, you can make decisions on what you’re willing to tolerate.

Example of an Earthquake Performance Goal Worksheet

Performance CategoryModerate Quake (More Likely)Large Quake (Rare)Major Quake (Very Rare)
Level of SafetyNo injuries< 1% chance of injuriesSome injuries possible
Max. Acceptable Downtime1 day1 month6 months
Max. Acceptable Repair Cost1% of building replacement cost20% of building replacement cost50% of building replacement cost
Level of Protection for Contents90% chance critical contents intact50% chance intact10% chance intact
Functionality After QuakeFully operationalLimited services functionalNon-operational until repairs complete
Acceptable Chance of Collapse< 1%< 5%< 10%
Acceptable Chance of Red Tag< 10%< 25%< 50%
Utility AvailabilityFull availability within 24 hoursAvailable within 1 weekGradual restoration over several weeks
Emergency Access for OccupantsAlways accessibleTemporary access interruptionsAccess restricted
Environmental Hazard ContainmentNo release of hazardous materialsMinor release, contained immediatelyRisk of larger release, response needed
Sheltering CapacityCan shelter-in-place for 48–72 hoursPartial sheltering possibleNot suitable for sheltering
Recovery Cost ToleranceMinimal disruption to budgetRequires budget reallocationMay require external funding/insurance

Developing a Performance-based Seismic Design


Once you’ve designed your earthquake performance goals, the next step is to find a qualified professional to turn these goals into a feasible plan. This is known as a performance-based seismic design.

According to FEMA P-58, performance-based seismic design evaluates a building’s expected behavior under different earthquake scenarios, including potential repair costs, downtime, and occupant safety—allowing building owners to tailor designs to their specific risk tolerance and operational priorities.

Unlike a conventional code-based approach, which primarily aims to prevent total collapse, a performance-based approach aims to achieve specific outcomes you want for your building (life safety, financial safety, downtime minimization, etc.).

For example, if your goal is “immediate occupancy” after a moderate earthquake, these engineers will develop a design to limit the internal and external damage of your property to allow for this.

Contact Us Today

Developing and implementing earthquake performance goals should be left to the professionals. If you want to protect your property, staff, residents, and investment today, contact our team at Avant-Garde.

Our team will listen to your goals and help develop a performance-based seismic design to fulfill your needs. Once approved, they can then actualize this design using the best materials and following the best practices. See the difference we can make today.

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The Truth About “Free” Estimates https://www.earthquakeretrofits.com/the-truth-about-free-estimates/ https://www.earthquakeretrofits.com/the-truth-about-free-estimates/#respond Fri, 01 Nov 2024 13:13:43 +0000 https://www.avant-gardece.com/?p=2833

Your “free” retrofit estimate may have just cost you $50,000, or worse, your life

Why ‘free’ estimates are usually the most expensive choice

I need to tell you something that might make you uncomfortable.

That contractor offering you a free retrofit estimate? He’s not doing you any favors.

Last month, we got called to inspect a “completed” retrofit in Oakland.

The homeowner had chosen the contractor who gave them a free estimate and the lowest price.

They thought the work was fine. The contractor was licensed, the work was permitted & passed all inspections, EBB & FEMA approved the work and paid out a grant.

Underneath the home, observed by our seismic retrofit expert, told a different story.

Foundation bolts missing, improperly spaced, improperly installed, and installed into crumbling concrete.

Framing missing and improperly connected.

Plywood bracing notched and nailed incorrectly that would not even hold up in a strong wind, let alone an earthquake.

Hardware missing, incorrectly installed, and not even rated for seismic loads.

The whole thing was approved by the city inspector and qualified for EBB grant funding.

It was also completely worthless.

It is truly heartbreaking that these types of contractors exist.

When we showed the homeowner the problems, we both held back tears.

They thought they had protected their family. Instead, they had a false sense of security which is actually more dangerous than no retrofit at all.

Here’s what nobody tells you about free estimates.

Contractors offering free estimates and cheap work are cutting corners somewhere.

  • They’re not paying proper taxes.
  • They’re not carrying workers compensation insurance.
  • Their “employees” are often paid under the table or misclassified as independent contractors to avoid payroll costs.

These aren’t small details. This is how they can afford to work for prices that would bankrupt legitimate businesses.

The building inspection process that’s supposed to catch these problems? It’s broken.

Inspectors spend maybe 10 minutes looking at retrofit work.

They rarely go under the house to actually examine what was done.

They certainly don’t measure and count to verify the work matches the plans.

We’ve seen many inspection reports approving work where the contractor did not even install one thing correctly.

They were missing the required number of bolts, seismic clips, framing, and plywood paneling.

The inspector never counted any of them.

Grant programs like EBB and ESS rely on these same inadequate inspections. They ask for three photos of completed work.

We’ve seen grant-funded projects where those three photos show obvious code violations.

Nobody caught them.

Your tax dollars are paying for retrofits that won’t protect anyone.

The California Contractors State License Board knows about problem contractors. We’ve reported them.

Their response? “Sorry, no budget for enforcement. Have the homeowner take it to court.”

Most homeowners never do.

So these contractors keep operating illegally, undercutting legitimate businesses, and leaving families with dangerous work that was “approved” but won’t perform when tested.

At Avant-Garde, we don’t offer free estimates because our expertise has value.

  • When we assess your home, you’re paying for decades of specialized knowledge.
  • You’re getting detailed analysis of your specific vulnerabilities.
  • You’re receiving solutions designed for your home, not cookie-cutter approaches that might work.
  • Our site visits take at least 2 hours. We crawl every inch of your crawl space. We often take several hundred photos.
  • We create a detailed, to-scale drawing of your home.
  • We provide written recommendations explaining exactly what needs to be done and why.

This isn’t a sales pitch disguised as an estimate.

It’s a professional assessment that has real value whether you hire us or not.

Coming from a long line of builders dating back multiple generations, and as a second-generation Bay Area general contractor and seismic retrofitter, I have spent my entire life involved with seismic retrofitting within the San Francisco Bay Area.

My father built residential housing developments throughout Wisconsin and Florida before moving here in the 80s.

He was building custom homes for high-end clients in Livermore until the Oakland Firestorm of 1991; our hearts go out to all those that experienced loss. He helped many families rebuild their homes.

After completing the rebuilding, having neighbors love his work, he started remodeling their homes. It was while doing this remodeling work that he discovered the massive issue older Bay Area homes have when it comes to structural framing & foundations.

It was from this day forward that our family has only provided seismic retrofits and connected services such as drainage & foundation work.

The information we provide helps you make educated decisions about protecting your family.
It shows you what quality work looks like so you can spot the contractors trying to cut corners.

Is this approach more expensive upfront? Yes.

Is it cheaper than discovering your “free” retrofit is worthless after the next earthquake? Absolutely.

Your home is probably your biggest investment.

Your family’s safety is priceless.

Do not trust either one to the lowest bidder offering free work.

If you’re ready for an honest assessment of your home’s earthquake readiness, look no further.

Our paid consultations typically save homeowners thousands or more by helping them avoid costly mistakes.

We’ll tell you exactly what your house needs to be truly protected. No sales pressure, no upselling, just professional expertise you can count on.

Your family deserves better than “free.”

Matthew Gatterman
Avant-Garde Construction Enterprise
(510) 881-6573

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Contractor Tax & Insurance Fraud in Bay Area Construction https://www.earthquakeretrofits.com/contractor-tax-insurance-fraud-in-bay-area-construction/ https://www.earthquakeretrofits.com/contractor-tax-insurance-fraud-in-bay-area-construction/#respond Tue, 01 Oct 2024 13:11:31 +0000 https://www.avant-gardece.com/?p=2828 Contractor Tax & Insurance Fraud in Bay Area Construction

In the Bay Area construction industry, not all contractors play by the “rules”. 

While there are many that are licensed, insured, and fully compliant, others operate in a legal gray area. 

This “grey area” is construction tax and insurance fraud, and though more affordable, it can leave homeowners at serious risk.

The Hidden Problem in Bay Area Construction

As Bay Area contractors, we’ve started to see a troubling trend. A large percentage of contractors (big and small) are cutting corners by cheating on taxes and insurance. 

This is known as “contractor tax and insurance fraud”. Generally, it involves misclassifying workers and having somewhat insufficient insurance policies. 

In fact, from 1972 to 2012, wrongful classification of employees as independent contractors and unreported compensation in the California construction industry increased by 400%

The reason many construction businesses are dishonest about this is to dodge a bunch of costs. Costs involving payroll taxes and workers’ compensation premiums. This allows them to price projects a lot lower than legitimate contractors. 

As a homeowner, you may be unaware of these “hidden” fraudulent issues. You may think, “This is a better price, we’ll go with this”. However, working with contractors like this presents some real risks involving project cost and safety. 

Misclassified Workers: The 1099 vs. W-2 Scam

One “common” form of contractor fraud is misclassifying employees as “1099” independent contractors instead of W-2 employees. 

By doing this, contractors avoid paying things like payroll taxes, overtime, and workers’ comp premiums. 

However, legally, if a worker is under a contractor’s direction, for example, given hours, tools, and told how to do the job, that worker is an employee, not an independent business owner. 

Despite this, many firms ignore this. A national study in 2017 proved this as well. It was discovered that between 12.4 and 20.5 percent of all construction workers (around 1.3 to 2.16 million) in the US are misclassified workers or paid “off-the-books”. 

Why Misclassification Is So Tempting

It’s a quick path to lower costs for contractors following such misclassification practices. By issuing a 1099 instead of a W-2, they save about 20 to 30 percent on labor costs. This is from skipping taxes and insurance. 

As a result, these contractors have 20-30 percent more wiggle room for bidding. They can either make more profit or bid lower for jobs, making it harder for honest contractors to win projects and be profitable. 

Unfortunately, however, these “savings” come from a pretty important place. Workers lose legal protections, the U.S. government loses tax revenue, and you, the homeowner, could lose massively if something goes wrong. 

More often than not, these “misclassified” workers lack health insurance, overtime pay, and safety training, all of which are important to the quality and safety of your project. 

Ghost Workers’ Comp Policies

Another fraud tactic in Bay Area construction is “ghost” workers’ compensation policies (also known as an “if-any” policy). Essentially, it’s a workers’ comp insurance policy in name only. 

For example, let’s say a contractor claims to have zero employees (often not true) and purchases a workers’ comp policy that only covers themselves (the owner). They’ll then get a certificate of insurance to show the homeowner or general contractor as “proof” of coverage. However, realistically, any crew working with them isn’t covered. 

Most of the time, these “ghost” policies are abused by small contractors. Nowadays, a lot of jobs require “proof of workers’ comp”, so they show these certificates to hopefully get selected for the job. And honestly, to the untrained eye, they look legit. 

This presents a huge issue, though. If someone has a ghost policy and gets hurt on your property, the policy won’t pay anything. If the contractor doesn’t step up, the injured worker can then pursue legal action against the homeowner to cover medical bills or injury costs. 

New CSLB Rule: Classification Code Requirements 

Thankfully, in the state of California, they’re taking steps to expose these insurance tricks. 

Starting July 1, 2024, the Contractors State License Board (CSLB) mandates that all licensed contractors with workers’ comp insurance to list their policy’s workers’ classification codes when renewing their license. 

These codes are only four to six digits; however, they describe what type of work their employees do. For example, there’s a specific code for carpentry, roofing, etc. 

As a homeowner, the presence (or absence) of these classification codes gives you a huge clue about the contractor’s insurance. Legit contractors who actually have employees will have more than one of these codes on file. 

When a contractor claims to have employees, but on the official CSLB website, only has a single classification code, or none at all, it’s a huge red flag that they work with misclassified workers. 

The Real Costs of Contractor Fraud

Contractor tax and insurance fraud isn’t a harmless money-saving “trick”. It shifts the costs and risks to others, resulting in honest contractors and the general public paying the price. 

Honest contractors can’t bid as low as non-honest contractors. They need to pay more workers’ comp and taxes, which is reflected in the price. This then results in them not getting as many jobs, and worse, the homeowner selecting an untrusted contractor. 

Alongside this, the U.S misses out on billions of dollars in taxes. One study indicates that the contraction of payroll fraud costs the U.S $8.4 billion in taxes.

Plus, for homeowners, the liability risks are real. If an improperly insured contractor gets injured on your property, legal and financial fallout could be heading straight for you. Remember, these workers are usually less skilled and trained, so it’s a common occurrence. 

How to Choose a Compliant Contractor as a Homeowner

Step 1: Verify the Contractor’s License and Insurance

Before anything, check the contractor’s license status through the CSLB license lookup tool. All you need is their contractor license number (which they should definitely have). 

Just so you know, you can also find licensed contractors on the official CSLB website. You can search by city, ZIP code, and license classification. 

Whatever way you choose, look for the specific classification codes tied to their insurance policy. If a contractor suggests they have a crew but their CSLB profile does not list any worker’s compensation insurance and/ or no extra classification codes on their license, that’s a huge red flag. 

Step 2: Ask if They Have Workers; if so, How Are They Classified

Alongside the above, simply ask the contractor if they have workers. If they do, also ask how their workers are classified. Say, “Are your workers classified as W-2 employees or 1099 independent contractors?”. 

Simply, honest contractors will tell you how their team is classified. They may have a team of 1099 contractors and W-2 employees. This isn’t a problem if the 1099 contractors aren’t managed like employees and hold their own insurance policies. 

If, for whatever reason, they say their whole crew is 1099 contractors but appear to be managed as employees, this is when you should be wary. 

Step 3: Request and Inspect Insurance Certificates

If everything is checking out okay with the above, request workers’ compensation and general liability insurance certificates. 

Once received, take a close look at them. Legitimate and valid policies for a real company will show employee coverage and class codes. 

Suppose a business owner is listed, and the coverage amount is unusually low; it could be a form of ghost policy. In that case, you can always call the insurer and double-check whether the policy covers employees. 

Step 4: Watch for Unrealistically Low Bids

Remember, contractors performing contractor tax and insurance fraud in the Bay Area can bid at least 20 to 30 percent lower than compliant contractors. 

Therefore, if you receive 3-5 contractors’ bids and some seem “too-good-to-be-true”, take a further look. There may be a reason for this. 

For example, they could be cutting corners on insurance, taxes, or skilled labor. All of which could present some huge issues. 

Step 5: Hire Based on Compliance, Not Just Price

All homeowners want a good price. We do too.
However, compliance should always be the key decider, not the total project price. 

Because of this, only choose contractors that are transparent, compliant, and have a strong reputation in the local area. 

Therefore, look for reviews, verify a contractor’s licensing and insurance policies, and ensure they’re not performing contractor tax or insurance fraud. 

Contact Avant-Garde Today 

Contractor tax and insurance fraud in the Bay Area can sometimes go unnoticed. However, with the information above, as a homeowner, you should be able to fight back. 

Never settle for contractors who are performing fraud. Choose those that insist on integrity and compliance, like us at Avant-Garde Construction Enterprise. 

Protect your property, project, and finances today and choose a contractor that doesn’t cut corners. Our team specializes in construction projects in the San Francisco Bay Area. Contact us today to see how we can help.

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Why All Earthquake Retrofits Aren’t Created Equal https://www.earthquakeretrofits.com/why-all-earthquake-retrofits-arent-created-equal/ https://www.earthquakeretrofits.com/why-all-earthquake-retrofits-arent-created-equal/#respond Mon, 01 Jul 2024 13:07:35 +0000 https://taibadigital.com/3135-avantgarde/?p=2131 After every major earthquake in the Bay Area, the pattern is always the same. Some houses suffer catastrophic damage while others right next door stay intact. Both built around the same time, in the same style, on similar soil. The difference isn’t luck. It’s preparation.

At Avant-Garde, we’ve been doing earthquake retrofits throughout the Bay Area since 2009. We’ve completed over 3,000 homes and seen firsthand the difference between work that technically passes inspection versus work that actually protects a home when the ground shakes.

There’s a huge gap between minimum code compliance and truly effective protection.
Most homeowners don’t realize this until it’s too late.

Let me walk you through what really matters in a quality retrofit, and why so many contractors get it wrong.

Most contractors offer retrofits for only the bare minimum requirements, and often, they even get that wrong. Further, these minimum standards were created as a compromise between safety and cost. They represent the absolute least you should do, not what will provide the best protection. 

Here’s what typically happens with basic retrofits:

Limited Assessment

Basic retrofit contractors often spend 15-20 minutes or less at your home. They peek into your crawl space, take a few measurements, and hand you a quote for the minimum required work. Their assessment rarely includes a thorough evaluation of your home’s unique vulnerabilities or structural challenges. 

Minimum Hardware

Basic retrofits typically use the minimum number of foundation connections required by code. For example, code might require bolting your home to the foundation every six feet, but this doesn’t account for unique features of your home that might create weak points.

Standard Templates

Many contractors use the same generic retrofit approach for every house, regardless of age, construction style, or specific vulnerabilities. They follow a templated plan without considering your home’s unique needs.

Focus on Price

Contractors offering basic retrofits compete mainly on price, which means they’re motivated to work quickly and use less expensive materials. This often results in cutting corners that might not be visible but will matter during an earthquake.

Failure to even meet the Minimum Standards

Many contractors are incorrectly installing too few URFPs and using the number of L90s required, but using L70s or A35s instead (which require more). 

Many times, their proposals also do not list how many URFPs and L90s they are installing, or even what hardware they are using at all.

We typically see contractors not installing the bolts as required 6″ from the mudsill ends and splices. Other times, they are also not placed every 6′ on center.

Typically, we see them simply using the minimum number of bolts listed in the Plan Set A table.

Most contractors often overlook all of the requirements when determining the required number of URFPs.

We see many contractors incorrectly only follow the table, and not the other spacing requirements, leaving homeowners vulnerable and with a false sense of security. 

Additionally, almost every other contractor is using nails in the seismic connectors. While this is acceptable, it is not advised.

The old lumber is “dry” and nails have a higher chance of splitting the wood, and the nails are also at risk of “pull-out” during a seismic event.

Further, structural screws have higher load values, higher withdrawal ratings, and are far less likely to cause any splits in older lumber.

What Premium Retrofits Include That Basic Ones Don’t

A premium seismic retrofit looks beyond minimum requirements to provide comprehensive protection designed specifically for your home. At Avant-Garde, our earthquake retrofit Bay Area specialists approach each project differently. Here’s what makes the difference:

Comprehensive Site Assessment

Our full site visits take at least 2 hours. We thoroughly examine the entire sublevel of your home, including the crawl space, basement, foundation, and all structural elements. We take detailed measurements and photos to document current conditions.

Instead of just a quick estimate, you receive:

  • Itemized details for all recommended options
  • A detailed, to-scale drawing of your home
  • Photos from within your crawl space
  • Clear explanation of minimum requirements versus premium options

Superior Connection Hardware

Premium retrofits use higher-quality foundation bolts, stronger connectors, and more attachment points than minimum code requires. For example, while basic retrofits might use standard expansion bolts, premium retrofits often use specialized epoxy-set anchors that provide superior holding strength.

We might recommend additional foundation connections in critical areas, especially near corners or where different parts of the house meet. This creates a continuous load path that distributes earthquake forces more effectively.

Customized Solutions

Every house is unique, especially in the Bay Area where homes span decades of different building techniques. Our foundation retrofit approaches account for the specific challenges of your home’s construction, lot characteristics, and potential vulnerabilities.

For homes with large openings or unique architectural features, we often recommend specialized solutions like moment frames or custom steel reinforcements that preserve the character of your home while providing quality seismic protection.

Additional Reinforcement Areas

Basic retrofits typically focus only on the connection between your house and foundation. Premium retrofits address multiple vulnerability points:

  • Foundation quality and integrity
  • Cripple wall bracing with proper plywood thickness and nailing patterns
  • Floor-to-wall connections throughout all areas
  • Reinforcement around large openings like garage doors
  • Beam, post, and pier connections
  • Headed-out beams and joists
  • Automatic gas shut-off valves
  • Water heater strapping 

Professional Quality Control

Premium brace and bolt retrofit projects are installed by experienced professionals who specialize in seismic work, not general laborers, day-laborers, or subcontractors. At Avant-Garde, we use only our own skilled employees who take pride in their work and undergo specialized training.

Our team follows detailed quality control procedures, with supervisors checking and photographing work at multiple stages. This ensures every connection is properly installed and all structural elements are correctly reinforced.

The Hidden Details That Make a Difference

Some of the most important differences between basic and premium retrofits aren’t visible once the work is completed, but they can determine whether your house survives a major earthquake, and you will have photos of all the steps. Here are some examples:

Nailing Patterns

In cripple wall bracing, the pattern and spacing of nails attaching plywood to framing members significantly impacts strength. Basic retrofits often use wider nail spacing to save time and materials. Premium retrofits use tighter nailing patterns that provide dramatically improved shear resistance.

Foundation Evaluation

Many contractors proceed with bolting to your existing foundation without checking its condition. Premium retrofit contractors evaluate your foundation’s integrity first and address any issues before adding retrofit elements. Sometimes, portions of a deteriorating foundation need repair or replacement before a retrofit can be effective. Other times, different types of anchors should be used.

Blocking and Framing Work

Premium retrofits include careful blocking and framing with structural screws to ensure all building elements are properly aligned and connected. This detailed work takes more time but creates a solid, integrated system rather than a series of disconnected reinforcements.

Addressing Water Issues

Water is a major enemy of structural integrity. Premium retrofits often include addressing drainage issues that could undermine your foundation over time. We frequently recommend French drains and sump pumps/ dry-wells as part of a comprehensive protection approach.

Real-World Performance Differences

Following the 1989 Loma Prieta and 1994 Northridge earthquakes, structural engineers studied home performance extensively. Properly retrofitted homes suffered significantly less damage than non-retrofitted homes, but even among retrofitted homes, there were clear differences in performance based on retrofit quality.

Homes with comprehensive retrofits that addressed multiple vulnerability points consistently outperformed those with only basic foundation bolting. The difference often meant the difference between minor repairs and total loss.

Investment Value of Premium Retrofits

A basic retrofit might save you money upfront, but premium retrofits often provide better long-term value for your earthquake home protection investment:

Insurance Benefits

Many insurance companies offer discounts for homes with documented premium retrofits, potentially saving you money year after year.

Resale Value

Home inspectors increasingly note the quality of seismic retrofitting in their reports. Premium retrofits can become a selling point, while basic ones might be flagged as needing upgrades.

Grant Compatibility

Both the EBB retrofit (Earthquake Brace + Bolt) and ESS retrofit (Earthquake Soft-Story) grant programs require retrofits to meet specific standards. As a trusted seismic retrofit contractor, we ensure our work meets and exceeds these requirements, helping you qualify for maximum Bay Area retrofit grants.

Peace of Mind

The true value of a premium retrofit is knowing your family and home are properly protected. Our clients often tell us the peace of mind is worth far more than the cost difference between basic and premium options.

Making the Right Choice for Your Home

At Avant-Garde, we don’t believe in pushing the most expensive option on every customer. That’s not how we’ve built our reputation over the years.

We do believe homeowners should understand all their options. Some people have budget constraints, and sometimes a basic retrofit is better than no retrofit at all. Other homeowners want the highest level of protection possible for their family home.

Whatever your situation, we show you exactly what different levels of protection mean for your specific house. No pressure tactics, no one-size-fits-all solutions.

Many customers tell us the most valuable part of working with our team was simply understanding what they were paying for and why certain details mattered. That knowledge helps you make the right decision for your family.

If you’re thinking about a retrofit, contact us for an assessment. We’ll examine your home thoroughly, explain your options in plain language, answer your questions, and help you figure out what makes sense for your situation.

Your home protects everything that matters to you. Make sure it’s ready when the ground starts shaking.

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