Insurance company adjustments and estimators should ensure that they include costs for a safe workplace when making estimates. Because it would not mean federal law offenses, it is in itself bad faith if these costs are not included, as we are all expected to comply with federal law. 1 My latest blog post, Get wrote some comments, but the most informative was from Tim Varga.
Tim Varga has many references that show his education on the assessment of property insurance and passions for this work line. Vargas gave several published handouts on the subject of safe workplace requirements for roofing. At his very generous request, I give them all, so readers of this blog can be further educated on the subject:
A guide, Protection of roof workers stated the following about the risk of falls to construction workers and takers:
Falls is the leading cause of death in the construction industry, which accounts for over 3,500 deaths between 2003 and 2013. Fall from roofs accounted for nearly 1,200 or 34% of the fall of the fall during that period. Roofers encounter many risks at work, including risks when working in heights and from ladders, power tools, electricity, noise, hazardous substances and extreme temperatures. If these dangers are not controlled by the employer, roof managers risk serious injuries, illnesses and deaths.
The guide often mentions violations of roofing contractors as real estate insurance adjusters should be particularly concerned about when making estimates for repair or replacement of a commercial or residential roof:
- Protection for fall protection
- Ladder safety
- Requirements for poultry protection forces
- Eyes and face protection
- General building requirements
- General safety and health regulations
- Main protection
- Criteria and practice for fall protection systems
In order to include all these objects, property insurance adjustments and estimates must be trained and trained on building routines and work protection laws and regulations. Merlin Law Group sponsors OSHA 10 courses for assessors and public adjustments as a public service – we are lawyers who want to encourage safe standards for employees. We strongly recommend and encourage this to be included in the basic education for all property insurance adjusters who work for insurance companies or as independent adjusters.
God knows that I need more training on building processes, processes and materials. The more I continue to dive into my small area of property insurance, the more I understand that I know less than I thought I knew before I studied and learned from others. But I also have an OSHA 10 certification, and I suggest that others who live appreciated building losses should consider getting such training and certification.
The thought of the day
-Marcus Tullius Cicero   1 Jerman v. Carlisle, 559 US 573, 582 (2010) ("We have long acknowledged the common maxim known to all senses, that the ignorance of the law will not excuse any person, whether civil or criminal." Barlow v. USA 7 Pet. 404, 411, 8th Ed. 728 (1833) (statement to the Court of Story, J.), see also Cheek v. United States 498 US 192, 199, 111 SC 604, 112 L. Ed. 2d 617 (1991) (The general rule that ignorance of the law or a mistake of law is not a defense of criminal prosecution is deeply rooted in the US legal purpose trunk "). Our law is therefore not alien to the possibility that an act may be "intentional" for civil liability, even if the actor lacks v knowing that her behavior is contrary to the law ".