Property Loss Claims – A Contractor’s Perspective Presented by: Rudi Suminski Director of Consulting Services

Goals Supplement your knowledge for when disaster strikes Save you money Save you time Save your soul

Outline Your Roles in Risk Management Stage 4: Abatement Stage 6: Demolition My Keys to Navigating the Insurance Claim Stage 7: Reconstruction Managing (Not Micromanaging) Your Contractor Know The Players Know The Game My Money Saving Strategies Play The Game: Stages Of The Loss Process My Time Saving Strategies Stage 1: Patient Safety Preparing For Next Time Stage 2: Emergency Services/Environmental Control Case Study Stage 3: Insurance Notification

Your Roles in Risk Management Defined Patient Safety Minimizing The Risk Of Errors All Encompassing Application to Property Loss

My Keys to Navigating the Insurance Claim Know The Players Insured Administration Rep Risk Management Rep Safety Officer Department Heads Consultants Broker Insurer Carrier Adjuster Independent Adjuster Consultants Accounting Investigation Contents Construction/Building

My Keys to Navigating the Insurance Claim Know The Game Internal Communication Who Calls Who First, Why? Roles of Consultants Maximize Your Coverage Business Interruption

My Keys to Navigating the Insurance Claim Know The Game Proving Your Claim Buckets of Coverage Pre-Loss Condition, Like Kind & Quality Ordinance or Law/Code Upgrades Business Interruption Equipment Contents Other Coverage?

My Keys to Navigating the Insurance Claim Know The Game Asking For Money Expenses - Invoices Staff - Time Support Consultants – Invoices w/ Time & Expense Support Do you know if your policy covers cost allocations of salaried employees?

My Keys to Navigating the Insurance Claim Know The Game 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

Play The Game: Stages Of The Loss Process Stage 1: Patient Safety Perspective Varies From Person To Person, Loss To Loss Understand Potential Nuances

Play The Game: Stages Of The Loss Process Stage 2: Emergency Services/ Environmental Control May or May Not Include: Site Triage ICRA (Infection Control Risk Assessment) ILSM (Interim Life Safety Measures) Patient Isolation HVAC Drying Structural Concerns Ingress/Egress

Play The Game: Stages Of The Loss Process Stage 2: Emergency Services/ Environmental Control Cont… Get Your Priorities Straight Make a list on paper Develop the plan All departments on board Contractor on board What about Patient Privacy??

Play The Game: Stages Of The Loss Process Stage 2: Emergency Services/ Environmental Control Cont… What do you want to control versus the contractor? 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… Who is your point person? 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

Play The Game: Stages Of The Loss Process Stage 2: Emergency Services/ Environmental Control Multi-Disciplinary Team Approach

Play The Game: Stages Of The Loss Process Stage 2: Emergency Services/ Environmental Control Cont… What Your Contractor Needs To Know 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

Play The Game: Stages Of The Loss Process

ILSM Communication Measures Play The Game: Stages Of The Loss Process ILSM Communication Measures

Play The Game: Stages Of The Loss Process Stage 2: Emergency Services/ Environmental Control Cont… The Type of Loss Makes A Difference Fire Water Earthquake Wind Hail Collision Plumbing System Failure Electrical System Failure Power Outage Secondary Damage

Play The Game: Stages Of The Loss Process Dust moves

Play The Game: Stages Of The Loss Process Open ducts can kill Isolate and seal all open construction area ducts

Play The Game: Stages Of The Loss Process 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 Negative Air

Play The Game: Stages Of The Loss Process Have a water response plan Know how to shut off the water Track down all leaks

Play The Game: Stages Of The Loss Process Anticipate water problems

Play The Game: Stages Of The Loss Process Wipe your feet

Play The Game: Stages Of The Loss Process Clean up after yourself

Play The Game: Stages Of The Loss Process Stage 3: Insurance Notification 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

Play The Game: Stages Of The Loss Process Stage 4: Abatement One of the Highest Risk Items Risks Asbestos Lead Microbials Testing Identify Independent CIH Identify Independent Lab Existing Testing? Methodology

Play The Game: Stages Of The Loss Process Stage 5: Demolition Also Very High Risk May Be Completed with Abatement Clear Direction is Paramount What Where How

Play The Game: Stages Of The Loss Process Stage 6: Reconstruction This is often largest in value, longest in time, and most consuming for internal staff Several stages present different challenges

Play The Game: Stages Of The Loss Process Stage 6: Reconstruction 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

Managing (not micro-managing) Your Contractor Whose role is this? – Fewer Contacts is Better Daily and Weekly Meetings Communication – Methodology and Content Project Schedule Cost Tracking Environmental Controls

My Money Saving Strategies Know Your Priorities Consult Your Support Services Team Ask Your Contractors & Consultants Cost Controls Business Interruption

My Money Saving Strategies 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 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 What are your experiences?

My Time Saving Strategies 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

Preparing For Next Time Enterprise Risk Management (ERM) Emergency Action Plan (EAP) or Emergency Operations Plan (EOP) Collaborate with Support Services Team Emergency Training

Preparing For Next Time Enterprise Risk Management (ERM) continued… Preselected Contractors Create Relationships Review Training and Certifications Familiarity with Facility Familiarity with HICS Patient Safety Patient Respect

Preparing For Next Time Enterprise Risk Management (ERM) continued… Who You Need Emergency Services – 2-3 in place Independent CIH Independent Testing Lab Abatement Contractor Restoration Contractor New Build GC FPDC - Facilities, Planning, Design, & Construction

Questions??