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

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

3. 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

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

5. 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

6. 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

7. 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?

8. 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?

9. 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

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

11. 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

12. 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??

13. 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

14. 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

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

16. 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

17. Play The Game: Stages Of The Loss Process

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

19. 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

20. Play The Game: Stages Of The Loss Process
Dust moves

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

22. 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

23. Play The Game: Stages Of The Loss Process
Negative Air

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

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

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

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

28. 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

29. 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

30. 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

31. 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

32. 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

33. 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

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

35. 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

36. 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?

37. 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

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

39. 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

40. 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

41. Questions??