The Official RJWestmore Blog

Make sure your insurance is sufficient to cover your commercial property.

With the recent earthquake in Haiti and hurricane in New Orleans, people are keenly aware that disasters can and will happen. And when they hit, they can wreak havoc on residential and commercial property. But never fear. The best way to deal with an emergency is to prepare for it in advance.

So, in light of the Haitian earthquake and Hurricane Katrina, take time to review your disaster-related evacuation planning and tenant safety issues. And then, review and evaluate your insurance policy to make sure you have adequate coverage. Although people often groan about paying high insurance premiums, covering them beats the alternative of facing an uninsured disaster that could literally ruin your business as well as your reputation.

The primary type of insurance for commercial property owners is commercial property insurance which covers the physical structure from various types of natural or manmade disasters.  Here are some tips for choosing or renewing property insurance coverage:

• Make sure your building is current with regard to all safety codes before you apply for new coverage or try to renew an existing policy. If the insurance agent who reviews your property finds evidence of safety violations, he or she might fail to recommend the property to underwriters.

• Remember that insurance companies are not code enforcers. Their concern is for the building and the potential loss of value. Ensuring the safety of tenants is a shared responsibility between the building owner/manager, the tenant/employers and every individual person in the building. There is a proven correlation between individual training and preparedness and life safety.

• Find out if the policy provides reimbursement for alternative work accommodations. If your building is severely damaged, would you be able to offer temporary facilities for displaced workers?  Remember that securing building permits for repairs can take weeks or months. So make sure that your insurance is sufficient to cover construction and code-approval time.

• Carefully review whether the policy allows for “actual cash value” or “replacement value?” Actual cash value factors in depreciation of the insured object, while replacement value reimburses policy-holders for the current cost of replacing the lost or damaged item.

• Watch out for “Exclusions,” which are big in the world of insurance. Check the policy carefully for anything that might not be covered. Are you in a flood plain? If so, make sure flood-related disasters are covered. Vandalism coverage should also be considered since manmade damage can lead to costly repairs. Some policies cover every type of disaster. In other cases, you might find it necessary to add a la carte coverage.

• Look at what the policy covers beyond the building. Are furniture, equipment and electronics included? All of these items can be costly to replace.

• Make sure you take time to read the “fine print” in your property insurance coverage. Proper coverage today can save your business tomorrow.

• Consider other types of insurance such worker’s compensation, liability, and vehicle coverage.  Insurance is such a comprehensive subject that we’ll cover more about it in future blog posts. So be sure to check back in the weeks ahead.

For the latest emergency management training for property owners and facility/building managers, contact RJ Westmore, Inc. Our e-based system offers the best emergency training available, with automated and integrated features. Visit RJWestmore.com for more information and remember to BE SAFE.

Make sure you know how to exit your building in case of emergency.

It’s human nature to panic when disaster strikes. The result can be confusion, indecision and failure to react quickly. If, on the other hand, written procedures are followed, groups understand safety procedures and individuals are properly trained to take charge of the situation, evacuation can be swift, smooth and safe.

Let’s take a look at the necessary steps to ensure quick and thorough building evacuations:

• The first step is to consider the type of emergency situation.
  • In cases of fire, the primary objective is to clear the entire building as quickly as possible.
  • For tornadoes, a safer option might be to instruct people to congregate in a large room located on the first floor instead of meeting outside. As always, proper preparation and written procedures are essential.

Employees and tenants need to be willing to take direction from the people who are in charge and feel confident that building management has control of any and every situation. Ensure there is a clear chain of command. Employees and tenants need to be willing to take direction from the people who are in charge and feel confident that building management has control of any and every situation.

Floor Wardens need to take charge and understand their responsibilities:

• Know the proper evacuation routes and internal and external safe refuge areas.
• Note any building occupants who need special assistance and assign someone to assist them.
• Familiarize residents and employees with the location of alarm pull stations and (if they are properly trained to use them), fire extinguishers.
• Instruct employees not to use elevators during emergencies unless instructed to do so by emergency personnel.
• Evacuate any pets that are in the building.
• Designate which tenants or employees should shut off gas lines or other equipment. Advise them to fulfill these duties only if absolutely necessary.
• Building occupants should be given up-to-date evacuation maps and safety handbooks.
• Stairwells and hallways should be kept free of boxes and other impediments. Routinely investigate these areas and work with building occupants to determine if additional storage space is necessary so hallways are clear of clutter, to ensure easy emergency exit.
• Pay special attention to signage. Do a walkthrough of the evacuation route with your entire safety team. Is the escape route clear? If the power is out, will back-up lights and clearly marked egress signs be visible?
• Establish a secondary meeting area in case the designated space is not usable. In major disasters, the primary exterior safe refuge area (located at least 300 feet away from the building) area(s) may be compromised. So plans should be made for secondary external safe refuge areas.

When disaster strikes, pre-planning, training and clear decisive action can help save lives. For the latest, most effective, building-specific e-based emergency management training for your building, contact RJ Westmore. Our new Version 2.0 training system offers the best in emergency training, free color aerial photograph safe refuge evacuation maps and full automated and integrated features that make training 100% of your occupants or employees both realistic and cost effective. Visit RJWestmore.com for more information and remember to BE SAFE.

Important lessons can be learned from the disaster in Haiti

The recent earthquake disaster in Haiti will require extensive rebuilding of the country’s emergency response systems and infrastructure. Unfortunately, as a poor nation, many Haitians did not have the proper resources to ensure emergency preparedness. The only positive result of the disaster is that it will give the country the opportunity to focus on ways to ensure quicker, more comprehensive response time for future disasters.

But the application doesn’t stop in Haiti. Some of the hard-learned lessons can be applied to emergency planning for your buildings. These include the importance of following code standards, maintaining the infrastructure of the building, and making sure that communications procedures are established and followed. Disasters can and will happen, and proper preparation can minimize losses and quicken the pace of rebuilding.

Several aspects of emergency management will need to be rebuilt in Haiti:

Earthquake Codes:

• Focus will be on implementing new building codes
• Some studies focus on minimizing population densities and overcrowding
• Authorities and aid organizations will need to provide assistance to lower income families that cannot afford to meet code regulations to prevent the building of unregulated and unsafe structures
• Scientists say that future earthquakes are likely and Haiti should be prepared
• New codes are especially important for multi-story buildings such as offices or hotels
• Many homes in Haiti were built in stages which led to inconsistent foundation standards

Emergency Planning:

• Seismologists warned of the threat of a potential earthquake, but most warnings went unheeded
• Proper planning includes distribution of emergency kits to residents, designated relief zones, and equipment for the clearing of debris from roads

Infrastructure Needs:

• Prior to the disaster, Haiti’s airport, ports and road systems were in need of repair
• Strengthening infrastructure allows for faster emergency response
• Bringing water and sanitation up to modern standards will aid the distribution of emergency supplies and information

Communications:

• Secure communications are a key to coordinating relief in time of a disaster
• Telephone and Internet systems need to be improved
• Communication systems allow individuals to quickly get needed information in terms of where food or medical relief can be located, or where to find temporary shelters

We encourage all of our readers to donate for Haiti Relief by visiting the American Red Cross. Visit www.RJWestmore.com for information about our emergency training program. BE SAFE.