Corporation and homeowner association laws provide a limited role for HOA homeowners. Residential House Painters must submit a Home Improvement Contract signed by the homeowner. Lenders benefit by mitigating the losses they would incur through foreclosing on the homeowner. The ongoing funding is through a 300% increase in Davidson County individual homeowner property taxes. Each type has various advantages and disadvantages that a homeowner has to consider. There were more than 40,000 hailstorm claims of homeowner and automobile damage. This program was referred to as the Homeowner Affordability and Stability Plan. Laminate floors are reasonably easy for a DIY homeowner to install. This requirement was a reason for developers to establish a homeowner association. The tornado caused $193.5 million in damage from about 24,000 auto and homeowner claims. State oversight of homeowner associations is minimal, and it varies from state to state. In addition, SunTrust was required to adhere to significant new homeowner protections. Greenfield developments must provide fibre connections, at a cost to the developer (and thus homeowner). In February 2010, a judge ruled that the slab belonged to the current homeowner. Zillow also releases a Homeowner Confidence Survey.