This document discusses preparation for post-incident claims adjusting and clean-up. It provides an overview of environmental insurance, coverage determination factors like notification period and source, and stakeholders involved like owners, carriers, brokers, and regulators. It also outlines typical release scenarios like new releases, pre-existing unknown releases, and emergency responses. For each scenario, it discusses notification, source and timing, subrogation potential, response activities, and ongoing work to closure. Finally, it provides best practices to maximize insurance coverage, such as notifications, pre-approval of work plans and proposals, regulatory compliance, communication, and loss control.

1. 1
Preparation for Post-Incident –
Claims Adjusting and Clean-Up
Ben Hansen, Antea Group
September 10, 2019

2. 2
Presenter:
Ben Hansen, PG
Sr. Consultant
Antea Group

3. 3
Environmental Insurance Overview
• Financial Responsibility
Requirements
(40 CFR, Part 280, Subpart H)
• Products
– Property
– Tanks
• Limits
• Self-Insured Retention / Deductible

4. 4
Coverage Determination
• Notification Period
• Source and Timing
– Policy period
– Retroactive dates
– Covered Locations / Tanks
• Regulatory Required Remediation
Work vs. Upgrades
• Reasonable and Necessary

5. 5
Stakeholders
• Owner/Operator
• Carriers Claims Managers and
Internal Risk Engineering
• Brokers
• Consultants/contractors
• Regulators
• Attorneys
• Affected 3rd Parties

6. 6
Typical Release Scenarios
• New Release
• Pre-existing Unknown
• Emergency Response

7. 7
New Release
• Scenarios
• Notification
• Source and Timing
• Subrogation Potential
• Response:
– Contractor/consultant selection
– Work Plan Pre-approval
– Communication on site updates and change orders
• Ongoing Activities to Closure

8. 8
Pre-Existing Unknown
• Scenarios
• Notification
• Source and Timing
• Subrogation Potential
• Response:
– Contractor/consultant selection
– Work Plan Pre-approval
– Communication on site updates and change orders
• Ongoing Activities to Closure

9. 9
Emergency Response
• Scenarios
• Notification
• Source and Timing
• Subrogation Potential
• Costs
• Response:
– Contractor/consultant selection
– Work Plan Pre-approval
– Communication on site updates and change orders
• Ongoing Activities to Closure

10. 10
Best Practices to Maximize Coverage
• Notifications
• Source/Timing Determination
and Policy Period
• Organized Tank/Site Files
• Work Plan/Proposals/Rates
Pre-approval and clear/
accurate invoicing
• Regulatory Required
Remediation Work
• Pro-active Communication with
Carrier
• Litigation Appetite
• No Surprises
• Loss Control Use

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Any Questions?