Rebuilding After A Disaster

Posted by on Wednesday, October 4th, 2017

Hurricanes, fires and other disasters can cause widespread devastation that threatens the safety of your family and home. But once a disaster passes, you aren’t necessarily out of danger. If your home is damaged, it may not offer sufficient protection for your family. Plus, assessing damage and the rebuilding process itself can be costly, even if your insurance policy helps to pay the bills.

Returning Home

Before you can rebuild or repair your home, you’ll have to complete detailed inspections to see the extent of the damage. However, you should also keep your immediate safety in mind at all times. Even if you’re eager to return home, there could be a number of hazards present after a disaster that aren’t easily visible.

Here are some tips for when you re-enter your home:

  • Don’t return to your neighborhood until it’s declared safe by local officials.
  • Inspect the outside of your home for cracks in the foundation and sagging in the roof.
  • Don’t enter your home if there’s a hazard present, such as damaged power lines, floodwater that’s above the basement or the smell of natural gas.
  • Walk through every room of your home with a friend or family member, and take note of any noticeable damage or lost property.
  • Don’t drink tap water until it’s been declared safe by local authorities.
  • Be aware that wildlife may have taken refuge in your home, especially after a flood. Use a shovel or other long tool to rummage through anything you can’t see, and never approach a wild animal directly.
  • Never force open a door that appears to be jammed. It’s possible that damage to your home has forced a door to support some of the building’s structure.
  • Refrain from using wired electronics until you know the electrical systems are working properly.

Read Full Article

Have questions? Contact the experts at Owen-Dunn! We are happy to help you navigate all your insurance needs.

(916) 993-2700

Study Shows Health Risk Management Programs Increase Productivity, Cut Costs

Posted by on Friday, April 24th, 2015


health risk management

Implementing a HRM program can ultimately increase productivity and save money. Image source: Flickr user Tax Credits

Enterprise risk comes in many forms ranging from compliance to operational, financial to strategic. While savvy organizations address these risks, there are other areas of risk that more traditional risk management programs may not consider. One of these areas is health risk management (HRM). A recent study examined how implementing a program to mitigate workforce health risks can reduce employer spending on health and improve worker productivity, across certain cost-saving and risk-reducing metrics.

Read the full article…

How to Manage Risk When Rules Don’t Work

Posted by on Thursday, April 23rd, 2015

manage risk

Manage risk by using rules where appropriate and a culture of open communication everywhere else.
Image source: Flickr CC user Ed.ward

Some risks don’t respond well to rules. How can you identify the types of risk that can be reduced by rule-following and which types require a different strategy? The Harvard Business Review recently addressed this very question and ultimately concluded that, when it comes down to it, rules alone simply don’t work. As it turns out, when you’re dealing with risk, one of the most important things is having a company culture that allows free communication. Read the full article…

Silo Human Resources at Your Own Peril

Posted by on Wednesday, April 22nd, 2015

human resources

Human resources have much to contribute to your risk management strategy.
Image source: Flickr CC user neurollero

Too often, managers treat Human Resources functions like they would treat administrative roles. To be sure, many of the tasks managed by HR representatives are paperwork-intensive. But the goal of these tasks is not just about achieving compliance; it also has its roots in the very culture of your company. It is about motivating your workers and helping them feel good about their workplace first, and then turning a profit. If you fail to give HR the level of authority it deserves, your risk level increases across the full spectrum of business processes. Given that, it is best to consider human resources management in your enterprise risk management processes. Read the full article…

You Have More Control Over Internal Risk, So Why Aren’t You Addressing It?

Posted by on Friday, April 17th, 2015

internal risk

Managing internal risk requires a thorough analysis of your company’s leadership and culture.
Image source: Flickr CC user GotCredit

Businesses face risks of all sorts, many of which they have little control over, such as market competition, labor trends, physical risks to property, and more. Of all the risks businesses face, internal risks are the ones they have the greatest capacity to control. Yet many businesses overlook this vital part of risk management. Getting internal risk right offers benefits that spill over into profitability and productivity, and can even curb the negative effects of some external risks. It’s time to get your house in order and pay attention to the internal risk lurking right under your nose. Read the full article…

Watch for Excessive Billing on Joint Replacement Surgeries

Posted by on Thursday, April 16th, 2015

joint replacement

Huge variances in joint replacement surgery costs can lead to excessive workers’ compensation bills.
Image source: Flickr CC user Larry Page

Workers compensation administrators must keep a constant eye out for waste in the cost of treatment. A growing problem hitting the claims folder today has to do with huge price variances in joint replacement surgeries with no logical basis for the difference, especially for knee and hip joints. Read the full article…

Positive Management and Intrinsic Rewards: A New Way of Looking at Risk Reduction

Posted by on Wednesday, April 15th, 2015

positive management

Make positive management choices by offering an environment that fosters intrinsic rewards.
Image source: Flickr CC user Skley

When thinking about positive management techniques, most managers think about productivity, worker engagement, and retention. But positive management choices can offer many more benefits, especially in the area of risk management. Understanding how to make positive management choices through intrinsic rewards offers the most effective results, ensuring a workplace that is both more productive and safer. Read the full article…

The Culture of Happiness at Greatist: Amanda Delaney Gives Us a Peek at One of the Best Employee Wellness Programs in America

Posted by on Tuesday, April 14th, 2015

Greatist Staff are happy and healthy! That’s Amanda in the middle. Image courtesy of

Greatist Staff are happy and healthy! That’s Amanda in the middle.
Image courtesy of

The “fitness, health, and happiness” Internet media startup Greatist has developed such an amazing culture of wellness at work that they proudly included themselves on their own list of The 44 Healthiest Companies to Work for in America.

Headquartered in New York City, Greatist is turning four this year. A “greatist” is “someone who chooses healthy because they want to.” The youthful, happy staff are living the vision that has made their website such a successful resource for health and wellness information and advice.

Read the full article…

Hazards Peculiar to Employment: Interpreting Law Correctly on Injured Worker Claims

Posted by on Friday, April 10th, 2015

injured worker

Vigorously defending a low value injured worker claim with a narrow interpretation of law only serves to hurt your loss experience.
Image source: Flickr CC user

When Carolyn M. Nicholson fell at work, she had every reason to expect that her workers’ compensation insurance would cover the injury. But her employer disagreed, citing that the hazard causing her fall was not unique to her employment. But as Nicholson’s employer found out, the “hazards peculiar to employment” wording in case law doesn’t work that way. This case highlights that there is such a thing as over-defending an injured worker claim.  Read the full article…

Revisiting Wellbeing: Understand the True Benefits of Wellness Programs

Posted by on Wednesday, April 8th, 2015


Workplace wellness programs can succeed, but only with the right goals.
Image source: Flickr CC user katerha

This issue keeps coming back as a topic of fierce debate, with some declaring that employee wellness is… well, a fail. This position ignores the fact that the goals you set for your wellness program and the way in which you manage it have a profound influence on its success. Giving up on wellbeing means giving up on a benefit that employees clearly want – and giving up an important advantage in a challenging labor market. Read the full article…