During Parents Weekend, the mother of a member tripped over a wire that was run through the bottom of rocking chairs on the front porch of the house. The wire was gray and was a couple of inches off of the ground. The member’s mother sustained a significant injury to her elbow when she fell.
A lawsuit was not filed. However, the claimant did retain legal counsel. It was alleged that the sorority created a hazard by running the wire under the chairs and that the hazard should have been removed while invited guests were on the property.
The claim settled for $450,000.
July 2021: Topics include transportation risks, wildfires, mental health, & COVID-19.
According to the USDA Forest Service, historic fire data show that wildfires are not only getting larger; they also are becoming more intense. As populations increasingly move from metropolitan areas into the outlying fringes bordered by woodlands, grass and brush, this has significant property and life safety implications for households, farms, ranches and businesses. This decentralization into natural settings has created a landscape known as the wildland/urban interface (WUI). The WUI is defined as “the area where structures and other human development meet with undeveloped wildland.”
For those who live or work in the WUI, advance planning and taking safety precautions are critical in helping to reduce wildland fire property loss and injury. To reduce the risk, considerations should be given to the fire resistance of building structures, the topography of property and the nature of and proximity to nearby brush, trees and vegetation. Safety considerations include, but are not limited to:
Protection and Preparation
Create Safety Zones Around Structures
- Maintain a clear space free of brush, trees, grasses of at least 100 feet, preferably 200 feet, between the structures and natural growth.
- If you live on a hill, extend the zone on the downhill side. Fire spreads rapidly uphill.
- Properly maintain or avoid ornamental plants known or thought to be high hazard combustible plants.
- Keep outside storage of flammable liquids, gases, and hazardous materials at least 100 feet from the buildings. Preferably, maintain them within a fire rated safety storage locker.
Maximize Fire Resistance Through Construction/Building Materials
(At time of new construction, remodeling, or through retrofitting)
- Consider exterior mounted fire sprinklers to protect the roof, walls and windows of the buildings.
- Install noncombustible roofing and siding materials.
- Replace plain glazing with fire-rated glass, or provide fire shutters.
- Cover house vents with wire mesh, to deter flaming debris from entering.
- Install spark arrestors on chimneys.
Prepare for Water Storage
- Develop an available water supply; and
- Connect with campus fire officials about availability of water
Other Considerations
- Make an inventory of property and furnishings. Here’s our version.
- Keep important papers, data and an inventory of your property and furnishings in a safe location offsite or fire-resistant rated safe.
- Have emergency/fire department telephone numbers readily available.
- Maintain building accessibility for fire department equipment.
- Have a continuity plan with alternative arrangements for continuing critical operations.
Response
Always be ready for an emergency evacuation
- Know where to go and what to bring with you.
- Plan several escape routes, in the event roads are blocked.
- Account for all members and employees of the chapter, during and after evacuation. Ensure a safe evacuation.
- Wear protective clothing.
- Practice evacuation plan.
Attend to last minute property mitigation measures
- Remove combustible items (wood, lawn furniture) outside your property’s safety zone.
- Close vents, windows, entry and garage doors.
- Close shutters and blinds to reduce radiant heat.
- Close all doors inside the house to prevent draft.
Attend to water preparation and other systems
- Shut off all sources of natural gas, propane or fuel oil supplies.
- Get water and water pump ready. Connect garden hoses. Fill pools, tubs, garbage cans, or other large vessels/containers with water.
- Put automatic garage doors on manual, in case of power outage.
Other considerations
- Follow disaster plan/ emergency shut down practices. This includes equipment, machines, HVAC and other building systems.
- Prepare hose lines and maintain a fire watch center. Activate any manually operated outside fire sprinklers, when appropriate.
Recovery
Read OSHA’s Wildfire: Response/Recovery.
Other Considerations
Contact your campus fire department, forestry office, emergency management office and building department for information about local fire laws, building codes and prevention measures. Obtain local building codes and weed abatement ordinances for structures built near wooded areas.
Additional Resources
Source: Travelers.com
The U.S. has learned from Japan that retrofitting buildings to withstand earthquakes can save lives and reduce losses. Click the link to watch a video from AM Best discussing retrofitting. “Earthquake Retrofitting Saves Lives, Reduces Losses” (April 2021)
FAQs: Commercial Kitchens – In this episode we discuss all sorts of cooking and kitchen related questions that we hear most often.
Click here for a guide on what to do before, during and after a storm.
January 2021: Topics include planning safer events during COVID-19, COVID-19 employment and vaccine questions and more.
May 2021: Topics include mental health, Covid-19 vaccine, and housing agreements.
We recommend that you complete a House Inventory Checklist and review it once a year (note about this resource: we have made this resource available in Excel because it has built-in formulas for easy manipulation and calculation. Once you click on the link, you can click on the download link in the upper righthand corner to edit your own version). For more information about the property coverage, please click here.
Use the Chapter House Self-Inspection checklist to review your property and life-safety risk management.
One of the more challenging exposures of writing a women’s fraternity or sorority is keeping the insurance and risk management recommendations “contemporary” to the changing dynamics of a campus women’s organization. As the size of the chapter increase in membership numbers, more and more sorority sisters are gravitating to alternate housing where several of them may live together. On those campuses where sorority chapter houses are not as common and/or a sorority does not physically have a chapter house, it has been common for some of the sorority sisters to secure housing together.
Irrespective of the reason, the number of “living arrangements” outside of a traditional chapter house is increasing and are being referred to and/or being considered by the campus community as the “X Sorority” chapter house. We refer to these locations as unofficial houses.
These unofficial houses pose a number of problems to the national organizations and, ultimately, to the insurance coverage. The concerns include the following:
- Unofficial houses are not owned by the women’s fraternity/sorority and are typically less safe
- Residents do not believe that the rules of the organization extend to the housing arrangement, as they would argue that the situation is just a few sorority sisters securing housing on their own
- In the absence of having an actual chapter house and with the majority of the residents being affiliated with one specific sorority, it is not too big of a leap of logic for the campus to construe this residence as the legitimate sorority chapter house
We have seen a significant increase in claims that are coming from those locations that are not the actual chapter house, but instead from these unofficial houses.
We have identified this concern to your national leadership. We also know that, as a volunteer, you are more apt to be aware of the existence of these types of housing arrangements. Should you have one of these types of arrangements on your campus, we would ask that you bring it to the attention of your leadership. Upon their review, we have encouraged them to involve us, if needed, in addressing the housing situation specifically.
Scenario
The employee fell on the ramp outside the house and injured his leg. The insured disputed the employee’s injury because he was working the next day and was not limping. The injured employee then told the insured he would be off work because the doctor did not know the full extent of his injury without an MRI. Despite the concerns of the insured, the claim was accepted. The employee was released to work, but with restrictions with which the insured could not comply. The doctor requested surgery on the employee’s knee, which the employee wants to do; however due to the employee being overweight, he could not find a surgeon who would operate. The issue is whether the carrier is liable for the injured employee’s gastric bypass surgery, which the employee looked into before the injury. The carrier submitted their opinion to panel doctors, and they found the carrier is liable for the bariatric surgery. The injured worker’s knee surgery is on hold until the bariatric surgery is completed, and the employee is a better candidate for knee surgery.
Result
In summarization, there was an admitted knee injury but due to non-industrial health issues (obesity), the employee’s attorney and adjuster agreed to an Accredited Medical Exam specifically on need for bariatric surgery on industrial basis. The report confirmed the liability on the carrier to provide surgery, which is scheduled soon. The workers’ compensation carrier has paid $59,757 thus far and has set aside an additional $78,884 in reserves (what the carrier expects to pay additionally).
Issues to Discuss
- What procedures do you have in place to prevent slips and falls?
- What policies could have been in place to prevent a claim like this from happening in the first place?