hurricane preparedness working with your insurance: the good, the bad, the ugly tahfm hospital...
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HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:The Good, The Bad, The UglyThe Good, The Bad, The Ugly
TAHFMTAHFMHospital Hurricane Hospital Hurricane
ConferenceConference
By By Jeffrey H. Peters, P.E. and Paul G. Phillips, P.E.Jeffrey H. Peters, P.E. and Paul G. Phillips, P.E.
Rimkus Consulting Group, Inc.Rimkus Consulting Group, Inc.
MAY 19, 2006MAY 19, 2006
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
Are YOU Ready?Are YOU Ready?
A NOAA-18 satellite picture of Hurricane Rita as of 1900 UTC on September 21.
YOU ARE HEREYOU ARE HERE
What – What – me worry?me worry?
I’ve gotI’ve gotInsurance!!Insurance!!
Mr. I. B. A. Mr. I. B. A. Facilities ManagerFacilities Manager
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
http://www.nhc.noaa.gov/gifs/GC13516.GIF
Does Does YOURYOUR Insurance Insurance Cover Wind Damage?Cover Wind Damage?
Does Does YOURYOUR Insurance Insurance Cover Wind Damage?Cover Wind Damage?
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
www.txdps.state.tx.us/dem/ Hurricanewww.txdps.state.tx.us/dem/ Hurricanemapsmaps/GalvestonStudyAreaMap.pdf /GalvestonStudyAreaMap.pdf
Does Does YOURYOUR Insurance Insurance Cover Flood Damage?Cover Flood Damage?Does Does YOURYOUR Insurance Insurance Cover Flood Damage?Cover Flood Damage?
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
Do Do YOUYOU Know Know YOURYOUR Insurance Coverage?Insurance Coverage?Do Do YOUYOU Know Know YOURYOUR Insurance Coverage?Insurance Coverage?
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
The GoodThe Good– Prepare for the Worst, Hope for the BestPrepare for the Worst, Hope for the Best
The BadThe Bad – Cutting Your LossesCutting Your Losses
The UglyThe Ugly– Where’s My Money?Where’s My Money?
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
The Good – Prepare for the WorstThe Good – Prepare for the Worst
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
The Good – Prepare for the WorstThe Good – Prepare for the Worst
Preparing the PeoplePreparing the People Preparing the DocumentationPreparing the Documentation
Preparing the BuildingPreparing the Building
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
The Good – Preparing the PeopleThe Good – Preparing the People
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
The Good – Preparing the PeopleThe Good – Preparing the People
NIMS - National Incident Management NIMS - National Incident Management SystemSystem
Collaboration with Community RespondersCollaboration with Community Responders ICS – Incident Command SystemICS – Incident Command System JCAHO – EC 4.1JCAHO – EC 4.1 OSHAOSHA
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
http://www.fema.gov/emergency/nims/index.shtmhttp://www.fema.gov/emergency/nims/index.shtm
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
ICS Basic StructureICS Basic StructureIncident
Commander
Safety andSecurity
PublicInformation
Officer
Medical Officer
Liaison
LogisticsChief
PlanningChief
FinanceChief
OperationsChief
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
NIMS/ICS – Basic PrinciplesNIMS/ICS – Basic Principles• Span of ControlSpan of Control• Common TerminologyCommon Terminology• Personnel AccountabilityPersonnel Accountability• Patient AccountabilityPatient Accountability• Integrated CommunicationsIntegrated Communications• Resource ManagementResource Management• Incident Action PlanIncident Action Plan
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
NIMS/ICS – Basic PrinciplesNIMS/ICS – Basic Principles
• Management by functionManagement by function
• Modular (flexible) ResponseModular (flexible) Response
• Unity and Chain of CommandUnity and Chain of Command
• Transfer of CommandTransfer of Command
• Organizational FlexibilityOrganizational Flexibility
• Unified Command and ManagementUnified Command and Management
• Designated Functional AreasDesignated Functional Areas
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
Why Do We Need An Incident Why Do We Need An Incident Management System ?Management System ?
JCAHO says (EC 4.1)JCAHO says (EC 4.1)……a hospital needs to have an emergency a hospital needs to have an emergency
management plan that comprehensively management plan that comprehensively describes its approach to emergencies in describes its approach to emergencies in the hospital or in its community.the hospital or in its community.
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
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http://www.jointcommission.org/NewsRoom/PressKits/PlanningGuide/http://www.jointcommission.org/NewsRoom/PressKits/PlanningGuide/
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
Federal RegulationsFederal Regulations
29 CFR 1910.120 (29 CFR 1910.120 (OSHAOSHA))
““The IncidentThe Incident Command System shall be Command System shall be established by those employers for the established by those employers for the incidents that will be under their control incidents that will be under their control and shall be interfaced with the other and shall be interfaced with the other organizations or agencies who may organizations or agencies who may
respond to such an incident.” respond to such an incident.”
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
The Good – Preparing the PeopleThe Good – Preparing the People
Risk Manager Team buildingRisk Manager Team building Facilities Evaluation by Insurance Co.Facilities Evaluation by Insurance Co. Understanding Insurance Policy Issues – Understanding Insurance Policy Issues –
Deductibles, Coverage, LimitsDeductibles, Coverage, Limits Train Management Team on Insurance Train Management Team on Insurance
IssuesIssues
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
The Good – Preparing the DocumentationThe Good – Preparing the Documentation
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
The Good – Preparing the DocumentationThe Good – Preparing the Documentation
ICS - Job DescriptionsICS - Job Descriptions Paper Forms (backup for loss of computers)Paper Forms (backup for loss of computers) Document Existing Conditions –video, photosDocument Existing Conditions –video, photos Secure storage critical building plans & mapsSecure storage critical building plans & maps Contact information and negotiate agreements Contact information and negotiate agreements
with vendors, suppliers, contractorswith vendors, suppliers, contractors
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
The Good – Preparing the DocumentationThe Good – Preparing the Documentation
Determine what Insurance Documentation Determine what Insurance Documentation will be needed for a claim.will be needed for a claim.
Determine Insurance – Deductibles, Limits, Determine Insurance – Deductibles, Limits, Coverage.Coverage.
When do you need to notify Risk Manager of When do you need to notify Risk Manager of a loss?a loss?
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
The Good – Preparing the BuildingThe Good – Preparing the Building
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:The Good – Preparing the BuildingThe Good – Preparing the Building
Hardening the FacilityHardening the Facility– WindWind– FloodFlood
UtilitiesUtilities– Stored vs. alternate sourcesStored vs. alternate sources
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
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HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
Encarta DictionaryEncarta Dictionary
““Harden: to become or make somebody or Harden: to become or make somebody or something become something become strongerstronger or more or more
resistantresistant””
The Good – Preparing the BuildingThe Good – Preparing the Building
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
The Good – Preparing the BuildingThe Good – Preparing the Building
Wind HardenWind Harden– EquipmentEquipment– WindowsWindows
– RoofsRoofs
Flood HardenFlood Harden– Equipment locationsEquipment locations
– Doors and gateDoors and gate
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
The Good – Preparing the BuildingThe Good – Preparing the Building
WIND HARDENINGWIND HARDENING Equipment Equipment
– AnchorAnchor– HardenHarden
Building EnvelopeBuilding Envelope– WindowsWindows
– DoorsDoors– RoofRoof
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
Wind force is NOT just on the side.Wind force is NOT just on the side.– The wind causes DRAG and LIFTThe wind causes DRAG and LIFT
You’ll be surprised – 140 MPH overturn force:You’ll be surprised – 140 MPH overturn force:– 25 Ton RTU - 3,500 lb.25 Ton RTU - 3,500 lb.– 2000 CFM fan – 500 lb.2000 CFM fan – 500 lb.
Drag Drag
Lift
Lift
Pivot Point Pivot Point
Weig
ht
Weig
ht
The Good – Preparing the BuildingThe Good – Preparing the Building
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
The Good – Preparing the BuildingThe Good – Preparing the Building Anchoring may be very simple:Anchoring may be very simple:
Or more complex:Or more complex:– Threaded rods and roof through-bolts for more strengthThreaded rods and roof through-bolts for more strength
Figure 6-51, FEMA 424Figure 6-51, FEMA 424 Figure 6-49, FEMA 424Figure 6-49, FEMA 424
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
OR don’t OR don’t tie it tie it down:down:
Maybe Maybe you’ll be you’ll be luckylucky
Courtesy of Terry Scott - Memorial Hermann Courtesy of Terry Scott - Memorial Hermann Baptist HospitalBaptist Hospital
Figure 6-50, FEMA 424Figure 6-50, FEMA 424
The Good – Preparing the BuildingThe Good – Preparing the Building
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
The Good – Preparing the BuildingThe Good – Preparing the Building
Envelope Damage Envelope Damage →→ Rain Damage Rain Damage Envelope damage comes from Envelope damage comes from
several things:several things:
– Impact from debris and projectilesImpact from debris and projectiles– Pressures exceed designPressures exceed design– Stresses from structural movement Stresses from structural movement
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
The Good – Preparing the BuildingThe Good – Preparing the Building
Protect your EnvelopeProtect your Envelope Windows and DoorsWindows and Doors
– ShuttersShutters– PanelsPanels– AccordionAccordion– Roll upRoll up– Debris Resistant Glass?Debris Resistant Glass?
– SealsSeals RoofRoof
– FlashingFlashing– StructuralStructural
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
The Good – Preparing the BuildingThe Good – Preparing the Building
http://chps.sam.usace.army.mil/USHESDATA/Assessments/alicia/buildings_damage.htm
DEBRISDEBRIS
Courtesy of Terry Scott - Memorial Hermann Courtesy of Terry Scott - Memorial Hermann Baptist HospitalBaptist Hospital
OVERPRESSUREOVERPRESSURE
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
The Good – Preparing the BuildingThe Good – Preparing the Building
Figure 6-41, FEMA 424Figure 6-41, FEMA 424
Figure 6-38, FEMA 424Figure 6-38, FEMA 424
LIFTLIFT
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
The Good – Preparing the BuildingThe Good – Preparing the Building
FLOOD HARDENINGFLOOD HARDENING OpeningsOpenings
– Ramps – elevate or flood gateRamps – elevate or flood gate– Doors – elevate or flood gateDoors – elevate or flood gate– Tunnels – submarine doorsTunnels – submarine doors
EquipmentEquipment– Location – up and outLocation – up and out
– Location – protected in placeLocation – protected in placeLOCATION LOCATION
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
The Good – Preparing the BuildingThe Good – Preparing the BuildingExamples flood protectionExamples flood protection
http://www.floodgateireland.com/GalleryProtectiveBarriers.htmhttp://www.floodgateireland.com/GalleryProtectiveBarriers.htm
Figure 5-12, FEMA 424Figure 5-12, FEMA 424
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
The Good – Preparing the BuildingThe Good – Preparing the BuildingExamples flood protectionExamples flood protection
http://www.floodbarriers.com/flood_gates/fg-c.htm
http://www.floodbarriers.com/flood_gates/fg-c.htm
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
The Good – Preparing the BuildingThe Good – Preparing the BuildingExamples flood protectionExamples flood protection
Figure 5-13, FEMA 424Figure 5-13, FEMA 424
http://www.texaschildrenshospital.org/...http://www.texaschildrenshospital.org/...
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
http://www.med.uth.tmc.edu/construction/http://www.med.uth.tmc.edu/construction/images/flooded.jpgimages/flooded.jpg
http://www.ringstones.com/znj/images/2001/06Flood/downtown5.jpghttp://www.ringstones.com/znj/images/2001/06Flood/downtown5.jpg
The Good – Preparing the BuildingThe Good – Preparing the Building
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
The Good – Preparing the BuildingThe Good – Preparing the Building
UTILITY PREPAREDNESSUTILITY PREPAREDNESS PowerPower WaterWater
Medical GasesMedical Gases InfrastructureInfrastructure
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
The Good – Preparing the BuildingThe Good – Preparing the Building
POWER POWER On-site generation capacity?On-site generation capacity?
What do you want to run? What do you want to run? What is connected?What is connected?
Protect your generatorsProtect your generators Were is it located?Were is it located? Is it wind hardened?Is it wind hardened? Don’t forget your SWITCHGEARDon’t forget your SWITCHGEAR
Fuel capacityFuel capacity How long can you run?How long can you run? Is it flood hardened?Is it flood hardened?
Hook-upsHook-ups Can you easily connect what you don’t have on-site?Can you easily connect what you don’t have on-site?
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
The Good – Preparing the BuildingThe Good – Preparing the Building
WATERWATER – what if it goes out? – what if it goes out?
How reliableHow reliable is the utility? is the utility? On-site wellsOn-site wells On-site storageOn-site storage
PotablePotable Needs Needs Food and DrinkingFood and Drinking Infection ControlInfection Control Flush waterFlush water
Non-potableNon-potable Users Users Cooling TowersCooling Towers Steam/SterilizersSteam/Sterilizers Chilled water makeupChilled water makeup
Hook-upsHook-ups Can you easily connect what you don’t have on-site?Can you easily connect what you don’t have on-site?
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
The Good – Preparing the BuildingThe Good – Preparing the Building
MEDICAL GASES – MEDICAL GASES – got to have the gas!got to have the gas!
ON-SITE?ON-SITE? How long will your on-site stores last?How long will your on-site stores last? On-site storageOn-site storage
WIND HARDENED?WIND HARDENED? How about that big bulk OHow about that big bulk O22 tank? tank?
FLOOD HARDENED?FLOOD HARDENED? Will you bottles and manifolds flood?Will you bottles and manifolds flood? Can you get in to fill tanks and replace bottles?Can you get in to fill tanks and replace bottles?
Hook-upsHook-ups Are your emergency connections protected?Are your emergency connections protected?
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
The Good – Preparing the BuildingThe Good – Preparing the BuildingINFRASTRUCTURE – INFRASTRUCTURE – what’s that?what’s that?
What you need to get things doneWhat you need to get things done Chilled WaterChilled Water
Steam - SterilizersSteam - Sterilizers
Electrical – not just the emergencyElectrical – not just the emergency
FLOOD HARDENED?FLOOD HARDENED? Have your protected your central plant?Have your protected your central plant?
Your cooling towers?Your cooling towers?
Your electrical closets?Your electrical closets?
Hook-upsHook-ups Emergency connections give you a second chance if you Emergency connections give you a second chance if you
lose you plant.lose you plant.
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
– FacilityFacility EnvelopeEnvelope
– RoofRoof– RampsRamps– DoorsDoors– WindowsWindows
EquipmentEquipment– RooftopRooftop– IndoorIndoor
The Good – Preparing the BuildingThe Good – Preparing the Building
– UtilityUtility PowerPower
– GenerationGeneration– ProtectionProtection– Emergency HookupEmergency Hookup– Fuel Storage/SourcesFuel Storage/Sources
WaterWater– Wells/Storage/Other sourcesWells/Storage/Other sources– Emergency HookupsEmergency Hookups
Medical GasesMedical Gases– Storage/SourcesStorage/Sources– ProtectionProtection
InfrastructureInfrastructure– Emergency HookupEmergency Hookup
HAVE YOU DONE YOURHAVE YOU DONE YOUR
FACILTY SURVEYFACILTY SURVEY??
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
The Bad – Cutting Your LossesThe Bad – Cutting Your Losses
![Page 46: HURRICANE PREPAREDNESS Working with Your Insurance: The Good, The Bad, The Ugly TAHFM Hospital Hurricane Conference By Jeffrey H. Peters, P.E. and Paul](https://reader036.vdocuments.site/reader036/viewer/2022062423/56649e7b5503460f94b7c5ab/html5/thumbnails/46.jpg)
May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
The Bad – Cutting Your LossesThe Bad – Cutting Your Losses
Protecting the BuildingProtecting the Building Protecting the PeopleProtecting the People
Protecting the FinancesProtecting the Finances
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
The Bad – Protecting the BuildingThe Bad – Protecting the Building
![Page 48: HURRICANE PREPAREDNESS Working with Your Insurance: The Good, The Bad, The Ugly TAHFM Hospital Hurricane Conference By Jeffrey H. Peters, P.E. and Paul](https://reader036.vdocuments.site/reader036/viewer/2022062423/56649e7b5503460f94b7c5ab/html5/thumbnails/48.jpg)
May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:The Bad – Protecting the BuildingThe Bad – Protecting the Building
DURING THE STORM - Hunker DownDURING THE STORM - Hunker Down1.1. Protect PEOPLEProtect PEOPLE
2.2. React and MoveReact and Move
3.3. Check your Wind and Flood protection Check your Wind and Flood protection
4.4. Protect EQUIPMENTProtect EQUIPMENT
5.5. Everyone take Photos and VideosEveryone take Photos and Videos
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:The Bad – Protecting the BuildingThe Bad – Protecting the Building
AFTER THE STORM – Incident ManagementAFTER THE STORM – Incident Management1.1. Protect PEOPLEProtect PEOPLE
2.2. Facility TriageFacility Triage– Everyone take photos and videosEveryone take photos and videos
3.3. Protect the Envelope Protect the Envelope
4.4. Dry it out in Dry it out in <<48 hours48 hours
5.5. Restore utilitiesRestore utilities– You might not think to but:You might not think to but:
CHECK YOUR FLUSH VALVESCHECK YOUR FLUSH VALVES
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
The Bad – Protecting the BuildingThe Bad – Protecting the Building
Supplies for temporary repairs to minimize Supplies for temporary repairs to minimize damages:damages:– PlywoodPlywood– TarpsTarps– Small pumpsSmall pumps– Small generatorsSmall generators– Sand bagsSand bags
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
The Bad – Protecting the BuildingThe Bad – Protecting the Building
People to HELP, People to MANAGEPeople to HELP, People to MANAGE Incident Management Team ControlsIncident Management Team Controls
– Your own TeamYour own Team– Restoration Companies – they will be FIRST!Restoration Companies – they will be FIRST!– Engineers, Architects, VendorsEngineers, Architects, Vendors
Facility Triage guidesFacility Triage guides
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
The Bad – Protecting the PeopleThe Bad – Protecting the People
![Page 53: HURRICANE PREPAREDNESS Working with Your Insurance: The Good, The Bad, The Ugly TAHFM Hospital Hurricane Conference By Jeffrey H. Peters, P.E. and Paul](https://reader036.vdocuments.site/reader036/viewer/2022062423/56649e7b5503460f94b7c5ab/html5/thumbnails/53.jpg)
May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
The Bad – Protecting the PeopleThe Bad – Protecting the People
You are on your own +0-3 days, local help You are on your own +0-3 days, local help maybe in 3-5 days, national in 5-7 days.maybe in 3-5 days, national in 5-7 days.
Federal aid must wait for State request, Federal aid must wait for State request, (however this may change soon).(however this may change soon).
Know and understand NIMS-ICSKnow and understand NIMS-ICS
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
The Bad – Protecting the PeopleThe Bad – Protecting the People
You can only provide for so many people:You can only provide for so many people:– Limited food/water/care, Lock Down procedureLimited food/water/care, Lock Down procedure– Liability/Negligence claimsLiability/Negligence claims
PPE, Rain gear, flashlights, eye protection, PPE, Rain gear, flashlights, eye protection, shots – protect workersshots – protect workers
Watch for Fatigue, increased potential for Watch for Fatigue, increased potential for personal injuries personal injuries
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
The Bad – Protecting the FinancesThe Bad – Protecting the Finances
![Page 56: HURRICANE PREPAREDNESS Working with Your Insurance: The Good, The Bad, The Ugly TAHFM Hospital Hurricane Conference By Jeffrey H. Peters, P.E. and Paul](https://reader036.vdocuments.site/reader036/viewer/2022062423/56649e7b5503460f94b7c5ab/html5/thumbnails/56.jpg)
May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:The Bad – Protecting the FinancesThe Bad – Protecting the Finances
Document EVERYTHING with PAPER.Document EVERYTHING with PAPER. First You spend your money, then Insurance First You spend your money, then Insurance
reimburses, how are you going to pay?reimburses, how are you going to pay?– Credit Accounts (pre establish with one time Credit Accounts (pre establish with one time
vendors)vendors)– Purchase Orders (can you issue manually?)Purchase Orders (can you issue manually?)– CASH is KING!CASH is KING!
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:The Bad – Protecting the FinancesThe Bad – Protecting the Finances
Video tapes, photos – assign someoneVideo tapes, photos – assign someone Work Logs for staffWork Logs for staff Diaries/Journals/Meeting Notes of Diaries/Journals/Meeting Notes of
EVERYTHING - who, what, when, why.EVERYTHING - who, what, when, why. Contractor Logs – count ever person, major Contractor Logs – count ever person, major
pieces of equipment and all materials used.pieces of equipment and all materials used.
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
The Ugly – Where’s My Money?The Ugly – Where’s My Money?
![Page 59: HURRICANE PREPAREDNESS Working with Your Insurance: The Good, The Bad, The Ugly TAHFM Hospital Hurricane Conference By Jeffrey H. Peters, P.E. and Paul](https://reader036.vdocuments.site/reader036/viewer/2022062423/56649e7b5503460f94b7c5ab/html5/thumbnails/59.jpg)
May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
The Ugly – Where’s My Money?The Ugly – Where’s My Money?
How Insurance WorksHow Insurance Works Who are all these Other People?Who are all these Other People?
Document, Document, Document…Document, Document, Document…
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
The Ugly – How Insurance WorksThe Ugly – How Insurance Works
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
The Ugly – How Insurance WorksThe Ugly – How Insurance Works
Facilities notifies Risk ManagerFacilities notifies Risk Manager Risk Manager notifies Insurance CompanyRisk Manager notifies Insurance Company Insurance Adjuster inspects the damage Insurance Adjuster inspects the damage
and makes an estimate of costs.and makes an estimate of costs. Adjuster set aside “Reserves” based on Adjuster set aside “Reserves” based on
estimate of damages.estimate of damages.
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
The Ugly – How Insurance WorksThe Ugly – How Insurance Works
Adjuster may ask multiple Experts to Adjuster may ask multiple Experts to investigate Causation or Damages in greater investigate Causation or Damages in greater detail.detail.
Adjuster reviews DOCUMENTATION you Adjuster reviews DOCUMENTATION you have provided and Reports from Experts and have provided and Reports from Experts and “adjusts” claim based on policy coverage, “adjusts” claim based on policy coverage, deductibles and limits.deductibles and limits.
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
The Ugly – How Insurance WorksThe Ugly – How Insurance Works
Adjuster pays claim.Adjuster pays claim. The process can take months maybe years The process can take months maybe years
for large losses.for large losses.
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
The Ugly – Who are all these Other People?The Ugly – Who are all these Other People?
![Page 65: HURRICANE PREPAREDNESS Working with Your Insurance: The Good, The Bad, The Ugly TAHFM Hospital Hurricane Conference By Jeffrey H. Peters, P.E. and Paul](https://reader036.vdocuments.site/reader036/viewer/2022062423/56649e7b5503460f94b7c5ab/html5/thumbnails/65.jpg)
May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
The Ugly – Who are all these Other People?The Ugly – Who are all these Other People?
Restoration Companies – they will be FIRST!Restoration Companies – they will be FIRST! Public AdjustersPublic Adjusters Subrogation Claim Managers/AttorneysSubrogation Claim Managers/Attorneys Causation/Damage ExpertsCausation/Damage Experts Salvage ExpertsSalvage Experts Clerk of WorksClerk of Works
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
The Ugly – Document, Document, Document...The Ugly – Document, Document, Document...
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
The Ugly – Document, Document, Document...The Ugly – Document, Document, Document...
Document EVERYTHING.Document EVERYTHING. Keep/preserve/secure all damaged items as Keep/preserve/secure all damaged items as
long as possible, video/photo everything if it long as possible, video/photo everything if it absolutely has to be thrown away, record any absolutely has to be thrown away, record any data such as descriptions, models, serial data such as descriptions, models, serial numbers.numbers.
Take eye-witness accounts.Take eye-witness accounts.
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
The Ugly – Document, Document, Document...The Ugly – Document, Document, Document...
Save relevant newspaper/Internet articles Save relevant newspaper/Internet articles about extent of damage, intensity of storm.about extent of damage, intensity of storm.
Preserve security tapes (do NOT allow re-use Preserve security tapes (do NOT allow re-use of tapes recorded during incident).of tapes recorded during incident).
Preserve all computer data, such as security Preserve all computer data, such as security alarms, building automation, dispatch alarms, building automation, dispatch recordings.recordings.
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:
The Ugly – Document, Document, Document...The Ugly – Document, Document, Document...
Save all expenses, invoices from contractors, Save all expenses, invoices from contractors, equipment rental and setup costs.equipment rental and setup costs.
Assign task of documentation gathering, “Clerk Assign task of documentation gathering, “Clerk of Works”.of Works”.
Without proper Documentation, your claim Without proper Documentation, your claim may be denied.may be denied.
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May 19, 2006May 19, 2006Hospital Hurricane ConferenceHospital Hurricane Conference
TAHFMTAHFM Rimkus Consulting Group, Inc.
Do Do YOUYOU Know Know YOURYOUR Insurance Coverage?Insurance Coverage?Do Do YOUYOU Know Know YOURYOUR Insurance Coverage?Insurance Coverage?
Insurance doesn’t care if it’s a Insurance doesn’t care if it’s a Hurricane, So Use Your Hurricane, So Use Your
Knowledge of Insurance for Knowledge of Insurance for AllAll Disasters Disasters
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HURRICANE PREPAREDNESSHURRICANE PREPAREDNESSWorking with Your Insurance:Working with Your Insurance:The Good, The Bad, The UglyThe Good, The Bad, The Ugly
By By Jeffrey H. Peters, P.E. and Paul G. Phillips, P.E.Jeffrey H. Peters, P.E. and Paul G. Phillips, P.E.
Rimkus Consulting Group, Inc.Rimkus Consulting Group, Inc.
MAY 19, 2006MAY 19, 2006