Please accept this letter as my enthusiasm of Norman Newell, president of Hammer Construction Corp. I first became associated with Mr. Newell and his company following the devastating landfalls of hurricanes Jeanne and Frances. Upon being introduced and recommended to me by Ross Fury of Public Risk Management, the insurance provider for Okeechobee County, I was impressed with his professionalism and apparent competence with disaster restoration. Shortly thereafter, Hammer Construction was authorized to commence repair and restoration of most of the county's damaged facilities covered by PRM. Being a fiscally constrained rural county, the willingness of Hammer Construction to interface with our insurance provider as well as adjusters and underwriters to immediately commence critical repairs while at the same time ensuring the county's financial participation was limited to contractual deductibles, was a significant factor in the county's selection of this company. Throughout the entire restoration process, I, along with other county officials, observed Mr. Newell's company competently implement and successfully complete a logistically complex large-scale insurance claim. Further, Hammer Construction was both willing and capable of financing this extensive work pending receipt of insurance reimbursement - which we all know is an increasingly time consuming and burdensome process. Mr. Newell and his entire staff continuously worked closely with representatives from all parties involved in the recovery. Whether it was our county's officials, insurance adjusters or tenants of our properties, Hammer always maintained direct lines of communication that allowed for efficient and satisfactory issue resolution. Naturally, the most valuable advantage to our county's relationship with Mr. Newell was his understanding of the insurance-restoration practice. Mr. Newell was adept at obtaining PRM's approval for coverage issues and proper upgrades on behalf of Okeechobee County. In summary, Mr. Newell and Hammer Construction Corp. competently undertook and completed a significant disaster restoration for Okeechobee County and would certainly be considered should services of this nature again be required. As such, without hesitation, I would recommend this contractor to others requiring similar services.

I am writing this letter as a reference for Hammer Construction, Inc. This company assisted the City of Punta Gorda with its efforts to clean up and restore City facilities after Hurricane Charley struck on August 13, 2004. Hammer Construction's response after the disaster was timely. It quickly places restoration crews on the ground at the hardest hit sites. I found Hammer's personnel to be knowledgeable, capable and cooperative, and they generally went about their work while creating a minimum of interruption to City services. The City of Punta Gorda is quite satisfied with the work that Hammer completed. One of the sites at which they spent a great deal of time was the historic City Hall. The finished product was well worth the wait in terms of quality and restoration to historic standards. I would recommend Hammer Construction for restoration work in the event of a disaster similar to that which the City of Punta Gorda endured as a result of Hurricane Charley. Please do not hesitate to give me a call if you wish additional details with respect to the work that was carried out on behalf of the City of Punta Gorda by this firm.

My home was severely damaged by fire in May, 2000, and the restoration was/is being done by Hammer Construction Company of Miami, Florida and gratefully through Universal Insurance Company. I wanted you to know what a fine job President Norm Newell of Hammer has done in completing this project. In all instances, Norm has exhibited professionalism and thoroughness. Furthermore, his carefully selected staff is to be commended for their hard work and quality workmanship. In my mind, if you want restoration done well, simply "call Norm". Although losing one's home to a fire is a traumatic experience, it is heartening to know that Universal uses experts who restore that home to its original, beautiful condition. That in itself, is a reflection on the quality of Universal Insurance Company and those such as you who administer those claims.

Ray is the "BEST" manager you could ever have. He certainly knows the business and he's so knowledgeable in all areas of the construction work. He goes out of his way to help us. Javier, Peter, Byron and Oscar were very hard working and efficient. They never seem to tire out! They all were very pleasant and "top grade" with their work. Thank you for being our construction company. I highly recommend your service.

I wish to thank Hammer Construction Quality Restoration and Ronnie Mack for his work at Stella Maris House. Mr. Mack always checks the jobs and makes sure that all is going well. He comes into my office to keep me informed of the latest details. He isn't just friendly, but caring as well. He and his group work excellently together. Stella Maris House is happy with the job he is doing. Once again, thank you for Mr. McLeroy.

I wish to express my gratitude for the exceptional work that was done on my bathroom. This may not have been the biggest of projects but with the delays I had to ask for due to a family emergency that occurred on Thanksgiving, it was challenging, but with the patience you provided, the work was completed as expected. Gary Rodriguez was instrumental in making sure that I was aware of what was going on, answered all of my questions, and made sure I felt satisfied. It is not everyday that I am able to work with someone that is very busy and yet makes me feel important like he did. I appreciate that very much. Thank you for the great work.