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...iding fungal growth is to keep the water out by monitoring for and avoiding th...ce of the building envelope to reduce water infiltration, increasing the quant...

...llen, dander, and mites. Sources: water-damaged materials, high-humidity indo...ldings, building materials, and groundwater. Chronic exposure may lead to incr...

...s or her clothing soaked with cool water. He or she should be fanned vigorousl...bsences and making plenty of drinking water-as much as a quart per worker per ...

...y, evaporation rate, solubility in water, and specific gravity. 4. Fire and E...ing chemicals, pour the chemical into water, not the reverse. Pour more concen...

...munities may be cut off from food, water, first aid, and shelter in the hours ...s, including patient evaluation and treatment of non-life-threatening injuries...

...d protect equipment from potential water damage in advance, not the day a seri...ent of the claim. To ensure proper treatment and eliminate possible delays, l...

...C configurations experience higher water damage rates. Instead of simply prici...

...eavy and marketing is the water boy. Companies ...

... and vulnerable. 4. Review your insurance policy. Are you sure everything important is covered or did your memory play tricks? Keep it in a safe place where it can be retrieved easily after a disaster. Keep a quick-reference list containing your agent's telephone number, all your policy numbers, and the respective insurance company names. 5. Know how to shut off your gas, electricity, and water, and how to board up vulnerable places around the house, such as doors and windows. 6. Plan a family evacuation and relocation strategy. (The next three items usually are recommended at the time of a hurricane watch or during Earthquake Preparedness' week. However, waiting until then is not a good idea. First, consider the threat of tornadoes, aftershocks, and other sudden ... or business. This must include covering breaks in a roof, wall, or windows with plywood, canvas, or other waterproof material. Do not have permanent repairs made without first consulting your agent. Unauthorized repairs may not be reimbursed. 3. Wait for an insurance adjuster to arrive to appraise your damage. Following a catastrophe, insurance companies schedule adjusters so that the most serious losses get priority treatment. Those policyholders are the most in need. 4. Keep all receipts for expenditures you've made to repair damage or to estimate the extent of your damage. 5. Prepare a detailed inventory of all damaged or destroyed personal property for the adjuster. Be sure to keep a copy. Your list should be as complete as you can make it and should include: a description of the item ...

... your catastrophe plan annually. Make any necessary adjustments, and explain the changes to all agency personnel. Prepare Your Office and Staff Develop a plan to protect the agency during a severe wind or rain storm. Determine the safest storage area in the office, and decide the best way to secure and protect equipment and records in that location. Purchase the necessary materials to cover and protect equipment from potential water damage in advance, not the day a serious storm is predicted. Unplug all electrical equipment, and contact your phone vendor about protecting the phone system. Consider ways to protect your office and employees during an earthquake. Develop a game plan and review it periodically with all employees, to protect agency personnel and visiting clients in event of an earthquake. Conduct earthquake preparedness drills, ' so that ... legibility, and accuracy. Make it clear to all personnel that the assigned staff person has the authority to request changes where necessary. Train all employees to pay careful attention to detail when filling out forms. Make sure they realize the importance of including all coverages and form numbers, as well as edition dates and endorsement numbers. This will help in the adjustment of the claim. To ensure proper treatment and eliminate possible delays, losses never should be reported by telephone. If emergency handling by an adjuster is needed, be sure that the form includes an accurate explanation of why such action is necessary. Use your discretion and request special handling only when truly necessary. Completely Inform Each Insured at First Report Of Loss During the first post-catastrophe contact with each insured, take the time to explain any ...