Understanding,the,Need,Manage, business, insurance Understanding the Need to Manage the Loss of a Disaster and
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People are planners. People make wills and pay life insurancepolicies, they also talk to loved ones and inform each other of their desiresshould there be an accident. People wantto be prepared should the worst or unthinkable happen. But do people plan for the worst when itcomes to their businesses? In May of 2011 a very large and deadlytornado touched down in Joplin, MO. Thistornado killed over 100 people and left a path of devastation that can still beseen today. This tornado was a majordisaster and it not only destroyed homes but it also wiped out completebusinesses. The St. Johns hospital wasdestroyed among many other businesses. It is said that the insurance pay-out will be around $2.2 billiondollars. Yes these people were insuredand yes they will get compensated for their damages but do they know what to doif there is a minor emergency, like a leak or wind damage to a portion of theroof. Damage and Flood management for largecompanies is a different game than damage and flood management for a personshome. In 2007 a river overflowed andflooded a college campus in Miami, Oklahoma. This is considered a Category 3 water loss event. To clean up this type of damage the collegecant simply dry out all of the walls and floors with fans, re-paint, and there-open the buildings. No, they musthave tests done and have specialists on site to make certain that the buildingsare in fact fit to be re-inhabited. Managing this type of disaster requiresnot only a remediation crew but also a Certified Industrial Hygienist(CIH). The remediation crew takes theirorders from the CIH and his testing. Thankfullythe university in Miami had a CIH that they could call up on to help with theflood. It was his job to ensure that allthe damaged materials were removed properly and that the remediation crewsfollowed his specific guidelines for ensuring a clean and healthy environment. Hospitals are literally ripe withdisaster opportunity. Not only becauseof all the life supporting equipment, but mainly because it involves life anddeath situations. Peoples lives are atstake when in a hospital. So when adisaster or flood strikes at a hospital it becomes even more urgent tofix. Having a CIH on retainer to be ableto show up at a moments notice and help ascertain the damage and begin tomanage the process is invaluable. They will not only make certain that thefacility gets restored properly and to superior health standards they will alsomake certain that the insurance company gives the facility a fair deal. They are able to utilize their knowledge ofindustrial hygiene and health safety to put an accurate perspective on theincident to the insurance company. Agood CIH can be your ally in times of uncertainty. If your building has had a flood or disasterstrike, click here to find a CIH near you that can help manage the loss.
Understanding,the,Need,Manage,