Restoration Contractor: Workers Comp Claim Scenario
From time to time we encounter various claim scenarios that we feel are important to share either because of their unique nature or the frequency in which restoration companies experience this type of claim. A worker was injured when he attempted to break a rotten piece of wood by jumping on it. Instead of breaking the board, the employee actually hyperextended his knee and fractured the bone right beneath it. The break required surgery, and the worker was forbidden from d
Restoration Contractors: Woodworking Safety
Restoration contractors (and their sub-contractors) must often work with wood and woodworking equipment. However, using woodworking can be extremely dangerous if used incorrectly, and common injuries can include lacerations, amputations, blindness and severed fingers. Additionally, wood dust can contain hazardous chemicals, which can lead to skin irritations or respiratory diseases. With that in mind, OSHA has put together a list of tips to help keep employees safe while w
Restoration Insurance: Prevent Fraud
Insurance fraud is increasing for restoration contractors. The most frequent cases involve worker’s compensation claims and health insurance. As the amount of fraud increases, so do the tactics used by insurance investigators to catch the perpetrators. Fraudulent can and will adversely affect your insurance premiums so it’s important that you for the following red flags that may indicate fraud or at least the need to investigate a claim more closely: Look at the claimant’s c
Restoration Insurance Tips: Do I Really Need Employee Dishonesty Insurance?
Employee dishonesty can be extremely costly and pervasive. In fact, the latest statistics show that seven percent of business revenue was lost as a result of occupational fraud and abuse. (That translates to amount of about $994 billion.) Even worse, small businesses have been shown to be even more susceptible to employee dishonesty-related claims. With the average employee dishonesty loss at approximately $200,000, it is easy to see why your restoration company should co
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