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Moderated by:Scott PowellVice President of Educational and Technical ServicesProperty & Liability Resource Bureau

Water Mitigation: Complex Restoration Projects

Produced by: Teresa Arnold, Martha Fitt, Tonda Lee, & Ransella WagnerProperty & Liability Resource Bureau

Water Mitigation: Complex Restoration Projects

Presented by:

Daniel Bernazzani, PhDSenior Vice PresidentYOUNG & Associates

Keith Grant, AICNational General Adjuster

AIG

Water Mitigation: Complex Restoration

ProjectsPresented by:

Daniel Bernazzani, PhDSenior Vice President YOUNG & Associates

Dbernazzani@youngonline.comKeith Grant AIC

National General Adjuster, AIGKeith.Grant@aig.com

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Introductions

• Adjuster• Keith Grant, AIG

• National General AdjusterNat o a Ge e a djuste

• Senior Consultant• Daniel Bernazzani PhD

• Senior Vice President YOUNG & Associates

• Environmental Division

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Presentation Overview

• Effectively Managing Complex Restoration Projects

• Insurance adjusting perspective

• Consultants perspective

• Restoration contractor perspective

• Challenges, Changes in Standards• Group Discussion Exercises

• Question & Discussion

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Learning Objectives

• Describe latest trends in complex water damage scenarios.

• Identify and address what occurs when a restoration Identify and address what occurs when a restoration process may be outside the the scope of repairs.

• Review industry guidelines for documentation.

• Describe industry formulas to determine initial equipment requirements.

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Key Issues

• Challenges with adjusting, consulting and restoration of water losses with pre-existing conditions

• Complications from concurrent cause

• Assessing the initial amount of drying equipment

• Changes in procedures due to environmental hazards

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Polling Question #1

How many years have you been in the insurance claims industry?

a) Less than 5 yearsa) Less than 5 yearsb) 5 to 10 yearsc) Longer than 10 years

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Institute of Inspection, Cleaning Restoration and Certification (IICRC)

• IICRC is non profit standard development organization.

Th h i i d “ ” d • They have written industry “consensus” documents for cleaning and restoration.

• The standards are developed by interested industry stakeholders from the restoration industry, chemical and equipment manufactures, indoor air quality industry and other stakeholders.

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ANSI/IICRC Standards

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Changes to ANSI/IICRC Standards in 2015

• Category remains nearly unchanged• Fourth Category “Regulated, Hazardous Materials and Mold”

has clearer definitions.

Class of Water Intrusion was redefined offering a more objective means of estimating evaporative loads.

Air mover placement and Airflow Stages changed:Constant Rate (surface evaporation)

Falling Rate (Capillary action)

Falling Rate (Vapor Diffusion)

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Initial Airmover Calculation

• Restorer should install one airmover in each affected room. In addition, one airmover:

• For every 50 – 70- SF FT of affected wet floorFor every 50 70 SF FT of affected wet floor

• For every 100 – 150 SF of affected wet walls above approximately 2 feet and ceiling surfaces; and

• For each wall inset and offset greater than 18”

(IICRC S500 2015)

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Initial Airmover Calculation Continued

• In circumstances where water migration has primarily affected lower wall sections and limited flooring (e.g., less than 2’ of migration out into the

) t h ld i t ll t t l f room area) restorers should install a total of one airmover for each 14 affected linear foot of wall.

• This calculation is independent of the SFcalculation, and is not meant to be used in the same room or area. (IICRC S500 2015)

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Initial Dehumidification Factors for Simple Calculation

Type of Dehumidifier Class 1 Class 2 Class 3 Class 4

Conventional Refrigerant

100 40 30 N/A

Low Grain Refrigerant (LGR)

100 50 40 40

Desiccant 1 ACH 2 ACH 3 ACH 3 ACH

Detailed Calculation FactorsBuild-Out DensityBuilding construction and finishesClass of Water IntrusionHVAC ImpactPrevailing Weather

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Facts of 1st Loss

• Hot water heating system failure on first floor during winter

• Heating system serviced prior to winter – one month prior to failure

• Complicated by insured’s being away for 3 weeks –discovered by adult children checking on house

• Lack of standing water

• Short duration until mold developed

Photo Courtesy of Dan Bernazzani PhD

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Additional Facts

• Hot water baseboard heat – with 7 zones

• There were 8 thermostats

O f il d d did h d f i d • One zone failed and did not shut down for a period time causing the pipe to separate

• Basement ceiling below 1st floor leak was wet and on floor

• Upcoming photos of standing water in containers were on first and second floors

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More Facts

• Thermostats set at 680 F – Heat was on

• Air Conditioning set at 900 F

• Condensate drain from AC was frozen in attic

• Condensate pan was filled with ice – shut AC down

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Mold Growth on Ceilings and Walls in Approximately 3 Weeks

Photo Courtesy of Dan Bernazzani PhDPhoto Courtesy of Dan Bernazzani PhD

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Water in Containers 30 Inches Above Floor

Photo Courtesy of Dan Bernazzani PhDPhoto Courtesy of Dan Bernazzani PhD

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Furnace Oil Tank Was Full Service Tag When Loss Occurred

Photo Courtesy of Dan Bernazzani PhDPhoto Courtesy of Dan Bernazzani PhD

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Polling Question #2

In an “all risk policy,” is this a covered loss?

a) Yesa) Yesb) Noc) Need more information

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What Happened

• Control valve failed in one zone pumping steam into dwelling causing mold to amplify quickly

• Faulty zone eventually shut downFaulty zone eventually shut down

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Open-Ended Question #1

• Keeping in mind the house was hot enough >900 F to engage AC unit.

• Could mold have grown that quickly (3 Could mold have grown that quickly (3 weeks) if one zone had pumped steam in house?

Please submit your responses in the ‘Questions’ pane.

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Facts of 2nd Loss

• A cold water supply pipe ruptured at some point over a weekend in an elderly community center.

• The mechanical room (approximately 200 SQ FT) The mechanical room (approximately 200 SQ FT) where the pipe ruptured had a VCT floor with a drain.

• Most of the water went down the drain.

• Interior walls in the room were constructed of dry wall over wood framing.

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2nd Scenario Continued

• Water traveled from the mechanical room into a Multi-Purpose room, Library, Game room and Exercise room.

• All of the above rooms had commercial grade synthetic carpet installed by the direct glue method.

• Insured took immediate steps to mitigate the loss and called “AAA Best Cleaning” immediately.

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2nd Scenario Continued

• AAA Best extracted 1,000 square feet of wet carpet.

• Flood cut in Mechanical room and contractor applied an antimicrobial.

• Installed dehumidifiers and air movers.

• The loss was dried in three days.

• Insured called in an IH. He collected 2 air samples. 1st

test was fine – Normal Fungal Ecology.

• 2nd contained Stachybotrys (black mold) and IH required “full scale microbial remediation.”

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Polling Question #3

Are there any other areas in the building that could have contributed to the growth of mold?of mold?

a) Yesb) Noc) Not sure

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Questions?If we don’t have time now, we will respond to your

questions offline.

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Thank You

Daniel Bernazzani PhDDaniel Bernazzani, PhDSenior Vice President YOUNG & Associates

(617)257-4937Dbernazzani@youngonline.com

Keith Grant AICNational General Adjuster, AIG

Keith.Grant@aig.com

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