Restoration Insurance: Forklift Safety Program
Many of our restoration clients have forklifts they use to haul and move their equipment and inventory. However, we have found that most do not have a forklift safety policy. Forklift Safe Work Practices Equipment Inspection. Each shift the forklift operator will inspect their forklift before operation. If any inspection item is determined to be damaged, broken or inoperable, the operator will notify their supervisor and authorized mechanic. If possible, the forklift will be
Do Restoration Contractors Need EDP Insurance?
A standard property insurance policy provides very limited coverage for computers. To properly cover computer equipment, any peripheral devices, and data including the cost to research, replace or repair lost or damaged software requires Electronic Data Protection - EDP Insurance. EDP Insurance EDP insurance is designed to cover the unique risks associated with computer exposures and typically include three core areas of coverage;: Equipment -- Computers, servers, laptops an
Protecting your Company from Hail Damage
Hail is one of the biggest causes of damage to company buildings and vehicles. We wanted to provide some tips to helping your employees stay safe in a hail storm and protect your building from damage. Staying safe in a hailstorm If there is a hail storm in your area, make personal safety your employees' first priority. Make sure they take shelter during the storm as large hail can cause serious injuries. Hail is often accompanied by strong winds and lightning, both of whic
Restoration Claim Scenario: Roof Repair Leads to $1,000,000 Claim Part 2
In our last post, we began reviewing the insurance coverages involved in a $1,000,000 mold-related claim. A restoration contractor fixed a front porch and was sued a number of years later on the basis that the homeowners were suffering from mold-related illnesses. Establishing the Date of Loss Any time a claim is submitted, one of the first things the insurance adjuster tries to do is properly establish the date of loss. Knowing the date of loss informs them as to whether t
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