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Presented by:
Rudi SuminskiDirector of Consulting
Services
Property Loss Claims – A Contractor’s Perspective
Goals
Supplement your knowledge for when disaster strikes
Save you money Save you time Save your soul
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Outline Your Roles in Risk Management My Keys to Navigating the
Insurance Claim– Know The Players– Know The Game
Play The Game: Stages Of The Loss Process– Stage 1: Patient Safety– Stage 2: Emergency
Services/Environmental Control– Stage 3: Insurance Notification
– Stage 4: Abatement– Stage 6: Demolition– Stage 7: Reconstruction
Managing (Not Micromanaging) Your Contractor
My Money Saving Strategies My Time Saving Strategies Preparing For Next Time Case Study
[ 3 ]
Your Roles in Risk Management Defined
Patient SafetyMinimizing The Risk Of ErrorsAll Encompassing
[ 4 ]
Application to Property Loss
My Keys to Navigating the Insurance Claim
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Insured Administration Rep Risk Management Rep Safety Officer Department Heads Consultants Broker
Insurer Carrier Adjuster Independent Adjuster Consultants
Accounting Investigation Contents Construction/Building
Know The Players
Know The Game
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1. Internal Communication2. Who Calls Who First, Why?3. Roles of Consultants4. Maximize Your Coverage5. Business Interruption
My Keys to Navigating the Insurance Claim
Know The Game
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6. Proving Your Claim Buckets of Coverage
Pre-Loss Condition, Like Kind & Quality Ordinance or Law/Code Upgrades Business Interruption Equipment Contents
My Keys to Navigating the Insurance Claim
Other Coverage?
Know The Game
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7. Asking For Money Expenses - Invoices Staff - Time Support Consultants – Invoices w/ Time & Expense Support
My Keys to Navigating the Insurance Claim
Do you know if your policy covers cost allocations of salaried employees?
Know The Game
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7. Asking For Money Continued… Clear, Easy to Read Spreadsheet Present As Much As Possible Up Front Talk With Adjuster on Flexibility Establish ACV for Highest Amount
My Keys to Navigating the Insurance Claim
Play The Game: Stages Of The Loss Process
Perspective Varies From Person To Person, Loss To Loss
Understand Potential Nuances
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Stage 1: Patient Safety
Play The Game: Stages Of The Loss Process
May or May Not Include:
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Site Triage ICRA (Infection Control Risk Assessment) ILSM (Interim Life Safety Measures) Patient Isolation
Stage 2: Emergency Services/ Environmental Control
HVAC Drying Structural Concerns Ingress/Egress
Play The Game: Stages Of The Loss Process
1. Get Your Priorities Straight
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Make a list on paper Develop the plan All departments on board Contractor on board
Stage 2: Emergency Services/ Environmental Control Cont…
What about Patient Privacy??
2. What do you want to control versus the contractor?
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Communication with department heads Security Fire watch Moving contents & equipment
Play The Game: Stages Of The Loss Process
Stage 2: Emergency Services/ Environmental Control Cont…
Play The Game: Stages Of The Loss Process
3. Who is your point person?
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Is HICS in place? Establish early and involve all
departments Already works with other departments
and has authority to give direction
EOP or EAP familiarity
Should not be the contractor
Stage 2: Emergency Services/ Environmental Control Cont…
4. Multi-Disciplinary Team Approach
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Play The Game: Stages Of The Loss Process
Stage 2: Emergency Services/ Environmental Control
Play The Game: Stages Of The Loss Process
5. What Your Contractor Needs To Know
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ICRA and ILSM Requirements Environmental Controls Ingress/Egress Equipment Placement Elevator & Stairway use Access (trucks, where to enter/exit)
Where NOT to go Working Hours Internal Personnel Debris Removal Storage Power
Stage 2: Emergency Services/ Environmental Control Cont…
Play The Game: Stages Of The Loss Process
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Play The Game: Stages Of The Loss Process
ILSM Communication Measures
Play The Game: Stages Of The Loss Process
6. The Type of Loss Makes A Difference
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Fire Water Earthquake Wind Hail
Collision Plumbing System Failure Electrical System Failure Power Outage Secondary Damage
Stage 2: Emergency Services/ Environmental Control Cont…
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Dust moves
Play The Game: Stages Of The Loss Process
( 21 )
Open ducts can kill
Isolate and seal all open construction area ducts
Play The Game: Stages Of The Loss Process
( 22 )
Containments save lives
Construct containments to keep dust in and people out
Gypsum wallboard, melamine panels and plastic sheathing
Play The Game: Stages Of The Loss Process
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Play The Game: Stages Of The Loss ProcessNegative Air
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Have a water response plan
Know how to shut off the water
Track down all leaks
Play The Game: Stages Of The Loss Process
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Anticipate water problems
Play The Game: Stages Of The Loss Process
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Wipe your feet
Play The Game: Stages Of The Loss Process
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Clean up after yourself
Play The Game: Stages Of The Loss Process
Play The Game: Stages Of The Loss Process
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Early Notification Shows Proactive
Behavior Broker or Carrier May
Offer Assistance
Assignment of Adjuster Clarity on Policy May Assign Consultants Answer Questions Ensure Visibility Avoid Delays in Payment
Stage 3: Insurance Notification
Play The Game: Stages Of The Loss Process
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One of the Highest Risk Items
Risks Asbestos Lead Microbials
Testing Identify Independent
CIH Identify Independent
Lab Existing Testing? Methodology
Stage 4: Abatement
Play The Game: Stages Of The Loss Process
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Also Very High Risk May Be Completed with Abatement Clear Direction is Paramount
What Where How
Stage 5: Demolition
Play The Game: Stages Of The Loss Process
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This is often largest in value, longest in time, and most consuming for internal staff
Several stages present different challenges
Stage 6: Reconstruction
Play The Game: Stages Of The Loss Process
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Architectural/Engineering Identify Players Start ASAP Find Existing Documents
Permitting Involve Local Officials Meet Onsite
Bidding & Negotiation Construction
Prepare Staff Prepare Local
Officials Manage
Contractors
Stage 6: Reconstruction
Managing (not micro-managing) Your Contractor
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Whose role is this? – Fewer Contacts is Better
Daily and Weekly Meetings Communication – Methodology and Content Project Schedule Cost Tracking Environmental Controls
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1. Know Your Priorities2. Consult Your Support Services Team3. Ask Your Contractors & Consultants4. Cost Controls5. Business Interruption
My Money Saving Strategies
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6. Know Your Policy Salaried employees often NOT covered Hourly employees must allocate time Strategically select outside consultants Will Adjuster allow measurement of value
for tasks that are completed in house that could be farmed out
My Money Saving Strategies
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6. Know Your Policy continued… Does Your Policy Include Reimbursement To?
Present your claim Manage your claim Manage your contractor Assemble your claimed costs Other claim expenses
My Money Saving Strategies
What are your experiences?
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Start the conversation early Make the Contractor commit to a schedule Set expectations with Adjuster Involve appropriate Officials early Move forward with your plan Communicate Proactive rather than reactive
My Time Saving Strategies
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Enterprise Risk Management (ERM)
1. Emergency Action Plan (EAP) or Emergency Operations Plan (EOP)
2. Collaborate with Support Services Team3. Emergency Training
Preparing For Next Time
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Enterprise Risk Management (ERM) continued…4. Preselected Contractors
Create Relationships Review Training and Certifications Familiarity with Facility Familiarity with HICS Patient Safety Patient Respect
Preparing For Next Time
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Preparing For Next Time
Emergency Services – 2-3 in place
Independent CIH Independent Testing Lab Abatement Contractor
Enterprise Risk Management (ERM) continued…5. Who You Need
Restoration Contractor
New Build GC FPDC - Facilities,
Planning, Design, & Construction
Questions??
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