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

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Your Roles in Risk Management Defined

Patient SafetyMinimizing The Risk Of ErrorsAll Encompassing

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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

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Open ducts can kill

Isolate and seal all open construction area ducts

Play The Game: Stages Of The Loss Process

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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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