Safe at Home Remodeling

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Executive Summary

Safe at Home Remodeling is a licensed remodeling company in Florida that helps older adults and people with disabilities stay safely in the homes they love. We install grab bars and handrails, build ramps, widen doorways, convert tubs into walk-in showers, improve lighting and make kitchens and bathrooms easier to use. We also offer a short home safety assessment so a family can see what needs to change before they spend money.

Most people want to stay in their own homes as they age. A fall, a hospital stay or a new health condition can make a familiar house feel unsafe overnight. Families are often rushed, unsure who to call and worried about being overcharged. We give honest advice, clear written prices and careful work done by people who treat the home like their own.

Here is what our numbers show. We expect about $520,500 in sales in Year 1, growing to about $1,262,700 by Year 5. We expect a profit of about $8,600 in Year 1 and about $4,400 in Year 2, when we add staff, then about $63,200, about $94,800 and about $128,000 in Years 3 to 5. We need $125,500 to open, as the Funding Need Calculator in this plan shows, and we plan to start with $130,000: $35,000 of my own savings, $20,000 from family and a $75,000 small business loan. These figures are estimates built from the assumptions at the end of this plan, not promises.

I am Dale Rivera, the owner and lead contractor.

Company Description

Safe at Home Remodeling will be a limited liability company (LLC) owned by Dale Rivera and based in Florida. We will work out of a small shop with a work van, serving homeowners and renters within about 40 miles.

What we believe. A home should keep you safe as you age, and the changes that make it safe should be done honestly, neatly and at a fair price.

What we offer.
- Home safety assessments: a visit of about an hour to look at bathrooms, stairs, lighting, floors and entrances and give a written list of recommended changes, with rough prices.
- Ramps and grab bar installations, usually done in a day or two.
- Accessibility remodeling: walk-in showers, wider doorways, lever handles, raised toilets, lower counters, non-slip floors and better lighting.
- Coordination with the homeowner's family, therapist or doctor when they have recommendations.
- A written warranty on our workmanship.

What we do not do. We do not give medical advice. If a doctor or therapist has recommended specific changes, we follow their recommendations. We do not take on work outside our license and use licensed subcontractors for electrical and plumbing work where the law requires it. We do not pressure anyone to sign.

Licensing and insurance. We will hold the contractor license our state requires, carry general liability and workers' compensation insurance and complete training in home modifications for older adults. These costs are in our startup budget.

Where things stand today. I have worked for other remodelers for years and see how often small, simple changes could prevent a fall. I have written our contract and warranty and met with a local senior center and a home health agency that would refer clients.

Problem & Opportunity

Falls and difficult homes are a common reason older adults lose independence. Stairs without handrails, slippery tubs, dark hallways, narrow doors and steps at the entrance can turn a familiar house into a hazard. Many of these problems can be fixed with modest changes. Few people know where to begin.

What gets in the way.
- Families do not know what to change. A parent comes home from the hospital and everyone asks the same question: what do we need to do to the house?
- Few contractors want small jobs. Many remodelers prefer big projects. A grab bar or a ramp can be hard to schedule.
- Fear of being overcharged. Older adults are targeted by dishonest sellers. Families worry about who they let into the home.
- Time is short. After a fall or a hospital stay, changes are needed quickly.
- Costs are confusing. People do not know what is normal, what is optional and what insurance or local programs may help with.

What we hear.
- A daughter says her mother lives alone and there is no handrail on the back steps.
- A man in a wheelchair says he cannot use the bathroom in his own house.
- A couple in their seventies says they want to stay in the home where they raised their children and are afraid of the stairs.

We do not claim to prevent every fall or fix every house. We can make the home safer, explain choices clearly and do careful work at fair prices.

Products & Services

Safe at Home Remodeling offers a clear path from worry to a safer home.

How it works.
1. A first call. We listen, explain what we do and set up a visit. We do not charge for the call.
2. A home safety assessment. About $150 in Year 1. We walk through the home with the homeowner and family, look at bathrooms, entrances, stairs, lighting and floors and write a clear list of recommended changes, in order of importance, with price ranges.
3. A written estimate. A fixed price in writing for each job, with what is included, a timeline and the warranty.
4. Careful work. We protect floors and furniture, tell the homeowner each day what we are doing and keep the work area safe and clean.
5. A final walk-through. We show the homeowner how everything works, make any final adjustments and follow up a few weeks later.

Pricing. A ramp or grab bar installation is about $1,800 on average in Year 1. A larger project, such as a walk-in shower or a wider doorway, is about $9,500. We give a written estimate before work begins.

Working with others. When a doctor, therapist or home health agency has made recommendations, we follow them. We can coordinate with a family member who lives far away. We do not take payment up front beyond a reasonable deposit that is spelled out in the contract.

Why it works. A trusted local company that does small and medium jobs well fills a gap. Families return when the work is good and recommend us to friends, which is how most of our business will grow.

What we do not promise. We do not promise that a modification will prevent a fall, that insurance or any program will pay or that a job will take a specific number of days if conditions change. We promise honest advice, clear prices and careful work.

Market Analysis

Who we serve.
- Older adults who live in their own homes and want to stay there safely.
- Adult children who help an older parent from near or far.
- People with disabilities who need an accessible bathroom, entrance or kitchen.
- Families preparing for a hospital discharge or a surgery.
- Landlords and property managers who want to make a unit accessible for a tenant, where the law allows.

How we estimate demand. We cannot say how many homes in our area need changes, so we plan from what we can count. A local senior center and a home health agency have told us they get calls every week from families who cannot find a contractor for small jobs. Our Year 1 plan is 42 larger projects, 60 ramp or grab bar jobs and 90 safety assessments. By Year 5 we plan for 90 larger projects, 132 smaller jobs and 210 assessments, with a team of five installers and an office coordinator.

Where customers come from.
- Referrals from senior centers, home health agencies, therapists and social workers.
- Families who find us online or through local groups.
- Word of mouth from satisfied customers and their neighbors.
- Realtors and property managers.

Seasons. Demand is steady all year, with extra calls after hospital stays and in the fall and winter. We plan our schedule so we can handle urgent jobs.

Competitive Landscape

What homeowners do today, and how we are different.

1. General remodelers. Skilled and often busy with larger jobs. Many do not offer assessments or small projects and may not know accessibility needs well.

2. Handymen. Convenient for small repairs. Quality and licensing vary, and not all carry insurance. A poorly installed grab bar can cause an injury.

3. Large home improvement stores. Good for materials, and the installation is done by contractors the store arranges. Families often have little contact with the installer.

4. Nonprofit and government repair programs. Some communities have programs for low-income homeowners. They are valuable and have limits on who may use them and how long families wait. We tell customers about these programs when they may qualify and do not take their place.

5. Doing nothing. Many families wait until after a fall. We want to help before an injury happens.

What makes us different.
- A focus on older adults and accessibility.
- Honest assessments and written prices.
- Licensed, insured crew who respect the home.
- A warranty and a follow-up visit.
- A willingness to do small jobs well.

What we will not do. We will not use high-pressure sales or scare tactics. Our reputation depends on families who trust us.

Marketing & Sales Strategy

How customers will find us.

Before we open (the three months ahead):
- Meet with senior centers, home health agencies, hospital discharge planners, therapists and social workers.
- Create a simple website with services, prices, a checklist of common hazards and a request form.
- Wrap the van with the company name and phone number.
- Hold two free home safety talks at senior centers and libraries.
- Offer to give a free demonstration of grab bar placement to a local community group.

After we open:
- Send a thank-you note and a quick checklist to every referral source.
- Ask each satisfied customer, with permission, for a short review and to tell a neighbor.
- Post helpful tips on one social page families already use, such as how to choose a grab bar.
- Attend two local senior and caregiver fairs each year.
- Offer a small discount for customers referred by a neighbor.

Pricing and offers. We publish typical prices and offer a written estimate for every job. We never pressure anyone to sign and we welcome questions from family members.

What we watch. Calls received, assessments booked, how many assessments become projects, how customers heard about us and how often customers refer others. We use that to decide where to spend our $9,000 marketing and software budget in Year 1.

Operations Plan

How the company will run day to day.

Jobs. We schedule assessments and small jobs in the same week when we can. Larger projects have a start date and a clear timeline. A lead installer manages each job and reports to me.

Staffing. In Year 1 it is me and two carpenter-installers, each paid $44,000. In Year 2 we add a third installer and an office and scheduling coordinator, paid $34,000. We reach five installers by Year 5.

Equipment. We buy about $52,000 of equipment at the start: a used work van with shelving and a ladder rack ($36,000), power tools and installation tools ($12,000) and ladders, scaffolding and safety gear ($4,000). We keep about $6,000 in grab bars, ramp parts and common fasteners.

Safety. We follow safety rules for ladders, tools and job sites, and each worker completes training. We protect the homeowner's belongings and keep the work area clean and safe. We install grab bars into solid framing and test each one.

Money. We ask for a reasonable deposit and the final payment when the work is done and the homeowner is satisfied. We keep simple books and track the cost of each job.

Risks and how we plan for them:
- An injury on the job. Training, protective gear, insurance and clear rules.
- A job costs more than estimated. We build in a small cushion, track costs and use change orders when conditions change.
- A customer is unhappy. We listen, fix what we can and keep a written warranty.
- Slow early months. We keep Year 1 costs low, and our cushion covers about three months.
- A key worker leaves. We train each worker in all common jobs and keep a list of trusted subcontractors.
- Materials are delayed. We keep common parts in stock and order special items early.

Management & Organization

Dale Rivera, owner and lead contractor. I started this company after years in remodeling, where I installed many grab bars and ramps for families who had waited too long. I will hold the contractor license our state requires before our first job and complete training in home modifications for older adults.

What I bring. I take pride in neat, careful work. I am patient with older customers and their families, and I explain things in plain language. I understand small business basics: simple books, careful estimates and clear contracts.

Who helps me.
- A volunteer advisory group of three people: a retired occupational therapist, a small business owner and a former senior center director.
- A licensed electrician and a licensed plumber who work with us when the law requires.
- A bookkeeper, paid by the hour, who handles monthly books and taxes.
- An attorney who reviewed our contract and warranty.

Our team. We hire installers who are skilled, dependable and respectful. Each completes our training and works alongside me for the first month.

My pay. I pay myself $58,000 a year from the first year. That is built into the numbers in this plan so the company does not depend on unpaid work.

Milestones Narrative

Our goals and when we plan to reach them.

Before opening (Months 1 to 3):
- Month 1: Register the LLC, open a business bank account, obtain our contractor license and insurance.
- Month 1 and 2: Buy the van and tools and outfit the shop.
- Month 2: Hire two installers and finish the website.
- Month 3: Meet referral partners and book the first assessments.
- Month 3: Complete our first jobs.

Year 1:
- Complete about 42 larger projects, 60 ramp or grab bar jobs and 90 safety assessments.
- Receive written feedback from every customer.
- Build referral relationships with at least five senior centers, agencies or clinics.
- Keep a clean safety record.

Year 2:
- Reach about 54 larger projects and 78 smaller jobs.
- Add a third installer and an office coordinator.

Year 3 and beyond:
- Reach about 66 larger projects in Year 3 and about 90 by Year 5.
- Add installers as work grows, to five by Year 5.
- Explore partnerships with agencies that fund home modifications for eligible households, after checking the rules for each program.
- Review whether to add a certified specialist on staff for complex projects.

Funding Request

How much we need and how we will use it.

Total needed: $125,500, as the Funding Need Calculator in this plan shows. We plan to start with $130,000, which covers that amount with a little room to spare.

Startup costs: $77,500.
- Used work van with shelving and ladder rack: $36,000.
- Power tools, saws, levels and installation tools: $12,000.
- Ladders, scaffolding and safety gear: $4,000.
- Contractor license, bonding and aging-in-place training: $3,500.
- Attorney review of the contract and warranty: $2,500.
- Insurance first payment (general liability and workers' compensation): $6,000.
- Estimating and scheduling software and a laptop: $3,000.
- Website, truck lettering and flyers: $4,500.
- Opening stock of grab bars, ramp parts and common fasteners: $6,000.

Cushion. The calculator adds about $47,750 for roughly three months of Year 1 expenses and about $0 for cash the business uses before it breaks even, so a slow first season does not force us to close.

Where the $130,000 comes from. $35,000 of my own savings, $20,000 from family and a $75,000 small business loan (SBA 7(a)). Loan: $75,000 at 10.5% over 10 years, which comes to $1,012 a month.

Phase 1: Open with the home safety assessment and the ramp and grab bar service, which use fewer workers and less materials, and take larger projects only when a customer has signed.
Phase 2: Add the larger accessibility projects, the third installer and the office coordinator once there is steady work, using profit from Year 1 and Year 2.

Sales and profit. Year 1 sales are about $520,500. We expect a profit of about $8,600 in Year 1, about $4,400 in Year 2, about $64,900 in Year 3, about $94,800 in Year 4 and about $128,000 in Year 5. Year 5 sales are about $1,262,700.

Cash. The lowest year-end cash balance in the plan is about $71,300 at the end of Year 2. At the end of Year 1 customers owe us about $41,640, so we follow up on unpaid bills each week.

Where each Year 1 dollar goes. Pay: owner / Lead Contractor $58,000; carpenter / Installer $88,000. Direct costs of goods and services: about $300,300. Other yearly costs: truck, Fuel and Maintenance about $14,000; insurance and Licensing about $13,000; marketing and Software about $9,000; shop Space and Utilities about $9,000.

Appendix Notes

Documents to attach before you share this plan:

- Your business registration, contractor license and bonding.
- Your insurance certificates, including general liability and workers' compensation.
- Your contract, warranty and change order form.
- Your price list and sample estimates.
- Photos of your past work.
- Letters of interest from senior centers, agencies or therapists.
- Your training certificates in home modification.
- Quotes for the van and tools.
If you don't have any of this yet, no worries - let's continue.

The assumptions behind our numbers (change them in the Financials section to match your own):
- Accessibility Remodeling Projects: 42 in Year 1 at $9,500, growing to 90 at $10,700 in Year 5. About $5,800 each goes to direct costs.
- Ramps and Grab Bar Installations: 60 in Year 1 at $1,800, growing to 132 at $2,000 in Year 5. About $900 each goes to direct costs.
- Home Safety Assessments: 90 in Year 1 at $150, growing to 210 at $170 in Year 5. About $30 each goes to direct costs.
- Pay (a full year, per person, including payroll taxes and workers' compensation): owner / Lead Contractor $58,000; carpenter / Installer $44,000; office and Scheduling Coordinator $34,000.
- Other yearly costs in Year 1: truck, Fuel and Maintenance $14,000; insurance and Licensing $13,000; marketing and Software $9,000; shop Space and Utilities $9,000. These grow between 3% and 5% a year.
- Equipment: $52,000 at the start, then $4,000 to $6,000 a year.
- Startup costs: $77,500, paid once from $130,000 in startup money.
- Larger projects: 42 in Year 1 at about $9,500, growing to 90 in Year 5.
- Ramp and grab bar jobs: 60 in Year 1, growing to 132. Home safety assessments: 90 in Year 1, growing to 210.
- About 8% of each year's sales is still owed to us at year end.
- Taxes: 21%, as a simple estimate. Check with a tax professional about how your business is taxed.
- Every dollar amount is an estimate. Replace them with your own prices, quotes and real costs.

Startup Costs