Australian Insurance Builders Magazine - Vol 2

Australian Insurance Builders Magazine

Vol. 2

Life’s too short for long stories Be part of something bigger www.insurancebuildersmag.com.au

AIBM Australian Insurance Builders Magazine

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AIBM Australian Insurance Builders Magazine

2 | Australian Insurance Builders Magazine

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CONTENTS

Australian Insurance Builders Magazine

News

8

Why a professional builder

10

needs a professional restoration partner Top 5 Business & Technology

13

Apps For Builders Storms & Catastrophes

20

Hailstorms: New Path of Destruction

24

Occupational Health &

28

Safety Tips in Construction

Working at Heights and Stormy

31

Weather Combined are a Recipe for Disaster!

The Importance of Asbestos Removal

44 Marketed, printed and distributed by 8King Investments Pty Ltd

Alertforce:

46 www.insurancebuildersmag.com.au

Asbestos Awareness and Removal

ACN: 167 316 681 / ABN: 12 167 316 681 ArcBuild -

54

Australian Insurance Rebuilders

Electrical “Make Safe’s” and why it is so important to use a professional electrical company

4 | Australian Insurance Builders Magazine

PO BOX 1265 Kingscliff NSW 2487

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Telephone: 1300 729 134 Fax: 02 6678 1003 Email: info@insurancebuildersmag.com.au

Editor’s Letter The AIBN has been working tirelessly over the last 6 months, laying the foundations with long term investments in our new products and services that will ensure that we remain a strong and forward thinking organisation that supports our members, business partners and the insurance industry at large.

To drive and lead our strategic vision, in September 2014, the AIBN appointed Aaron Aitken as Managing Director. A proven leader with extensive experience in Building, Procurement and Insurance, Aaron most recently held the position as Executive General Manager of Claim Central.

Chris King

We believe that Aaron is the perfect fit for the Company and we look forward to seeing him apply his leadership experience as we navigate through the next evolution of our business.

Following the release of our first edition and after receiving valued feedback from our members, we decided that investment in our system, products and services needed to be a key area of focus for the AIBN team to continue our growth and commitment to assisting our members, from the small to medium size trades and service providers, all the way through to the tier 1 builders.

And thus, after 6 months of development, we recently launched our online JOB POSTING application. This idea was fuelled from requests from numerous Insurance Builders who were looking to find trades and service providers, at short notice, whom have an understanding and experience in the nuances of insurance building projects and related services.

The application is a FREE SERVICE that allows end users, generally insurance builders and the general public, to post insurance jobs and service requests via our webpage www.aibn.com.au.

Once the job’s are posted, our application quickly and automatically searches and notifies our membership network to identify trades and services providers, who suit the project criteria, listed by the job poster, and are who are located within a 100k radius of the risk address/suburb.

Only registered members can apply for the jobs posted whom which have been through a vigorous screening process by our dedicated Supply Chain and Procurement Team to take the stress away from you to find the right permanent, contract and temporary resources that best fit your role, team and company culture.

The key benefit for the job poster is that you can choose to remain anonymous throughout the recruitment process, whilst maintaining your ability to be able to screen and reference check members who have applied for your projects before making the decision to engage in their services (through your own system and processes). If you would like to know more about this service please refer to our “Services Page” on our website.

Coming off the back of the JOB POSTING application we soon started to receive requests from our partners for “Contract Estimating & Assessing” resources.

After some deliberation we begun the project to identify and recruit experienced assessors into our membership so that we could offer this service to our strategic partners.

We now have 10 registered and active members servicing Sydney, Brisbane, Gold Coast, Northern NSW, Melbourne, Perth, Hobart and Adelaide whom are active and working as contract assessors/estimators through our network. To utilise this service please contact us via info@ aibn.com.au so we can discuss your specific needs.

With all the new services and products in place, we are looking ahead to the coming months, which will be an extremely busy period.

I am very pleased with the progress made so far this year and I believe that the Australian Insurance Builders Network team has laid a fantastic foundation for successfully evolving our organisation to benefit its members and stakeholders into the future.

Warm Regards,

Chris King Editor

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AIBM Australian Insurance Builders Magazine

John Murray, Chief Adjudicator, Adjudicate Today

Security of Payment adjudication has resolved $millions in disputes. The success behind its introduction has been remarkable.

Some claimants have been entirely successful in recovering all of the amounts claimed.

Others have been less successful. What factors may contribute to a successful adjudication outcome?

At the outset it is worth emphasising that the purpose or object of the Act is to ensure that a person is entitled to receive and is able to recover progress payments if the person: - Undertakes to carry out construction work under certain construction contracts; or - Undertakes to supply related goods and services under certain construction contracts.

This entitlement to a progress payment exists, whether or not a construction contract provides for progress payment. The party who has carried out construction work (or supplied related goods and services) is given a statutory right to a progress payment.

The definition of a construction contract is very broad: “A contract or other arrangement under which one party undertakes to carry out construction work, or to supply related goods and services, for another party”.

This definition includes not only formal contracts, but also “other arrangements”.

The Act also applies to a construction contract whether written or oral, or partly written or partly oral. However, the Act does not apply to “a construction contract for carrying out residential building work if a resident owner is a party to the contract, to the extent that the contract relates to a building or part of a building where the resident owner intends to live”. Definition of “construction work” and “related goods and services” is also very broad. More information is available at http://www.adjudicate.com.au and click on the relevant State.

If you intend to make a payment claim it is important that you identify, not only the work to which the payment claim relates, but also the amount claimed. Importantly, if you are making a claim under the Act then the payment claim should state that “This is a payment claim made under the {insert name of Act

6 | Australian Insurance Builders Magazine

of State where the work was performed}”.

Prior to making the claim, give careful consideration as to how you can establish your entitlement, not only to a progress payment, but also to the specific amount claimed. Remember that if the other party rejects your claim (or schedules an amount less than you have claimed) and you decide to refer your claim to adjudication, then you must satisfy the adjudicator as to your entitlement of the claim and how the amount claimed is calculated.

As the adjudicator will make his/her decision based only on the documents and written submissions. There won’t be a hearing or oral testimony. Therefore, the success of your claim will very much depend on the quality of your written submissions and the documentation you provide the adjudicator.

Remember that the onus is upon the party making a particular assertion to satisfy the adjudicator regarding the correctness of a particular assertion or matter. Simply making an assertion, such as stating that you have carried out certain work, or that the work comprised of having spent 100 hours on site, does not prove an entitlement – you need to provide some form of written material substantiating such a claim (by, for example, providing copies of site diaries, work sheets etc.).

Similarly, if your claim comprises of a variation to the original contract then you will need to provide material and /or written submissions demonstrating that the work you had carried out was additional to your original scope and that the value of the additional work claimed has been assessed in accordance with the terms of the contract. Ideally, it would enhance your case if you can provide a copy of any written variation order together with copies of time sheets, invoices of suppliers etc. If, however, the direction to carry out the variation was given verbally then you should set out the circumstances in which such direction was made, viz: who gave the direction, on what day etc.

If the other party has responded to your payment claim by way of a payment schedule and if the payment schedule states that the amount that the other party proposes to pay is less than the amount that you have claimed, then the Act requires that the other party sets out all the reasons for scheduling a lower amount. For example, it may be that the reason that the other party had given for rejecting the payment claim is that the claimed work was defective, or that the value of the amount claimed has not been properly assessed. Whatever the reason you should, when submitting your adjudication application, specifically respond to those reasons. If the other party alleges that your work is defective then you may wish to address this by providing photographs that clearly show that the works had been carried out in a workmanlike manner, or alternatively, you may wish to engage an independent industry expert to provide a written report endorsing the quality of your workmanship. Remember, if you do not address the reasons that the other party has given for rejecting your claim then the adjudicator may determine that you don’t disagree with the reasons and therefore your claim can’t succeed.

So our message is that you should give careful consideration on how you can substantiate the progress payment claim you are making and whether you can provide the necessary documentation to support the entitlement of your claim, especially where the other party is contesting such entitlement. Spending time and money in ensuring that your case is presented in the best possible manner is money well spent.

Finally, remember if you have any enquiries on the adjudication process then you can always contact Adjudicate Today on 1300 760297 or visit their website – www.adjudicate.com.au. Their staff provides free advice on how to comply with the security of payment legislation and there is no obligation.

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AIBM

NEWS

Australian Insurance Builders Magazine

Australian Tropical Cyclone Outlook

More coastal floods forecast

Disappointingly for all the Insurance Trades & Service providers out there praying for a stellar storm season, after 18 months of relative calm, the Australian Bureau of Meteorology have reported that the outlook for the 2014 cyclone season will be average to below average. There is some good news however, given that on average there is 11 tropical cyclones a year in the Australian region, with 4 making landfall.

Australia is highly vulnerable to increasing coastal flooding because our cities, towns and critical infrastructure are mainly located on the coast. Flood events that previously were expected to occur once in 100 years are occurring more frequent raising questions as to the validity of the previous benchmarks.

Sydney, Bundaberg and Hobart are the cities which are most at risk.

Although history shows that there are fewer cyclones during the El Nino years, there has never been a year without at least 1 tropical cyclone making landfall over the Australian coast.

A report from the Climate Council suggests that the flood threat to Sydney is already 3 times greater than a century ago, and it will triple every 10cm the sea level rises.

Early season storms cause mayhem in Sydney Emergency crews were kept busy on the 14th of October 2014 with a massive amount of distress calls from Sydney siders after a mammoth storm left at least 30,000 homes without power. More than 1200 people made calls for emergency help to the SES as storms battered NSW’s east coast through the night.

Torrential rain, lightning and even snow wreaked havoc with residents who faced a slow trek in to work the following morning as the clean-up begins. The powerful storm was much stronger than forecasted with wind gusts

8 | Australian Insurance Builders Magazine

Union boss faces bullying charges Fair Work Building and Construction is taking the union and six officials to the Federal Court for allegedly intending to coerce 160 workers to strike at the Perth International Airport arrivals expansion project on October 22 last year. FWBC alleges the Construction, Forestry, Mining and Energy Union officials organised about 100 people to occupy the entrance to the site, many holding union banners and flags, and dissuaded or prevented workers from entering.

It claims Mr McDonald, the union’s assistant secretary in WA, swore and verbally abused a female supervisor when she crossed the picket line with her staff. FWBC alleges he then told the supervisor’s staff they were being bossed around by a woman. He then allegedly threatened the workers that they would not work in Perth again if they crossed the picket line. Mr McDonald denied abusing a female supervisor, saying he was a strong supporter of “women in the workforce”.

Mates in Construction, building industry suicide prevention program, aims to curb high suicide rate Experts hope a new program based on construction industry workers looking out for their mates will curb a sector-wide suicide rate which is up to 25 per cent higher than the Australian average.

Mates in Construction achieved a 10 per cent reduction in the risk of suicide over a five-year period between 2008 and 2012 The Mates in Construction program urged workers not to ignore people who may be struggling on building sites and refer them to support services such as social workers and psychologists.

The Mates in Construction program has trained 60,000 construction workers in Queensland, New South Wales, Western Australia and South Australia.

Construction workers and their families can contact the Mates in Construction hotline 24 hours a day, seven days a week on 1300 642 111.

Building And Construction Industry is Australia’s Third Largest Employer

AIBN Membership Milestone In October 2014 AIBN achieved its first year milestone of 500 registered members, 6 months ahead of schedule.

There is a huge level of excitement in the market regarding the Procurement Service offered by AIBN to Insurance Panel Builders, Loss Adjusters & Claim Managers that we have had to revise our membership targets to keep up with the demand from the businesses using the platform.

Managing director Aaron Aitken, told AIBM reporter Priscilla Gonzalez, that “when the business was first started operating, many people thought we were a building company, or that we were out to compete with the Insurance Builders, however now we have had a chance to meet face to face with business owners they understand that we are actually a support service, not a competitor and ultimately they are excited about what we can offer them”.

AIBN have seen a much greater take up of the Free Procurement Service offering which ultimately has led to the requirement to scale up the membership base to ensure they are ahead of the demand.

The latest ABS building and construction employment data cements the building and construction industry as the nation’s third largest employer. ABS data indicates that the building and construction industry rose by 1.5 per cent in the August quarter, which builds on the positive trend experienced over the year.

Figures released by the ABS show that more than one million people are employed in the building and construction sector.

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FEATURE / FLOODS

Over the last 25 years, we have been providing restoration assistance for every disaster that has occurred in Australia. From bushfires to floods, washing machine overflows to small kitchen fires, we’ve seen it all.

Australian Insurance Builders Magazine

Now we are offering our services to professional builders. Why? • Most builders come across restoration work but do not have their own restoration capability.

• We often attend jobs that builders are also appointed to.

Why a professional builder needs a professional restoration partner

• We know that professional builders want to work with other reputable professionals – which is why we guarantee our work.

• We are not builders and as the largest restoration company in Australia, we can provide a wide range of complementary services to assist professional builders.

✓ n We complement builders’ services ✓ n We work as part of your team ✓ n We guarantee our restoration work

For your complementary partner in remediation and restoration, call 10 | Australian Magazine 1300 783Insurance 262 Builders or visit www.steamatic.com.au

Delivering Solutions, Saving Property... Restoring Lives!

From floor ordomestic domestic– -we we floor to to ceiling ceiling –- commercial commercial or you to get the job done work with you done right right the the first first time! time!

Prior to rebuilding, it may be prudent to consult with us on the following: • Soot and moisture can gather in the most unlikely places. With our high tech equipment, we can locate and rectify problem areas before (or at times, during) rebuilding.

• Floor, ceiling and wall cavities make excellent hosts for mould and other hygiene and odour related problems that will surface in the future • Electronic equipment and machinery can be expertly cleaned, in most cases on site • Pre and post rebuilding cleans including sanitisation is available in most areas • Pack-out and storage of furnishings and fixtures In addition to our specialised cleaning, we have the technology and expertise to dry and treat wet buildings, fixtures and fittings.

What we offer

What you need to do

• • • • • • • • •

1. Register your business with us so we include you on our Priority Builders Panel.

We even offer a pack-out and storage service so the premises is clear for work to be undertaken. We commence our work by assessing the site with the builder and having agreed on the course of action to be undertaken, will engage our team to: • Test for safe levels of contaminants and pathogens • Adhere to the correct standards and procedures to clean and sanitise • Remediate restorable items by drying, freezing, cleaning or washing • Decontaminating and deodorising • Verify through testing and reporting that we have achieved the desired result.

Register at help@steamatic.com.au 2. Add us to your contacts list on your phone 1300 783262 (or 1300STEAMATIC) 3. Visit our website to familiarise yourself with our range of services at www.steamatic.com.au

Case Study: Fire Damaged Factory Following a factory fire, Steamatic was called in to assist with the loss mitigation and restoration. We worked in conjunction with the builder and whilst our team cleaned the soot off beams, machinery and contents, the builder replaced the roof and repaired other structural damage. The result was a quicker than anticipated return to production.

For your complementary partner in remediation and restoration, call 1300 783 262 or visit www.steamatic.com.au

For information about Steamatic and its services, please scan the QR code.

www.insurancebuildersmag.com.au | 11 Delivering Solutions, Saving

Property... Restoring Lives!

STE1681/AUS57

• • • • • •

Assistance with insurance claims Fire damage Water damage Builders cleans Pre and post renovation cleans Mould and bacteria treatment Dirt and soot removal Drying of buildings and other structures Restoration of furniture, electronics, buildings, documents books and any other commercial or personal possessions Wet document recovery Above head height and confined space cleaning Heating, ventilation and air conditioning cleaning Sewage clean up, decontamination and sanitising Graffiti removal Carpet and upholstery cleaning.

AIBM

FEATURE / FLOODS

25 years of Steamatic innovation right across Australia Australian Insurance Builders Magazine

New technologies, expanding service For over a quarter of a century, Steamatic has supported industry with service and technologies that have changed the way disaster remediation is handled.

We’re proud of our service to Australian businesses, and we’re extending our network and range of technologies right across Australia. Our range of specialist technologies are ready and available whenever and wherever disaster strikes.

• Residential Fire & Water Damage Recovery • Document Freeze Drying and Restoration • Structural Dehumidification • Mould Removal & Remediation • Odour Elimination

Fire & Smoke Remediation

• Disaster Recovery

A fire in a business or home is stressful.

Our aim is to prevent further damage, move and protect furniture and do our very best to minimise disruption.

• Commercial Cleaning

Freeze Drying

• Air Duct Cleaning

Books, papers, personal documents, works of art, x-rays and microfilm are valuable assets. Water, soot and dirt can condemn these items. Steamatic freeze drying chambers can dry and restore these important articles.

To find out more about Steamatic’s innovative services, visit www.steamatic.com.au or 12 | Australian Insurance Builders Magazine call 1300 Steamatic (1300 783 262)

• Dry Ice, Garnet & Sodium Blasting • HVAC Cleaning

• Kitchen Hood Cleaning • Carpet & Furnishings Cleaning • Hard Surface Cleaning

Delivering Solutions, Saving Property... Restoring Lives!

U

nless you’ve been living under a rock for the past decade, you’ll no doubt have in your hands right now some type of smart device, whether that’s an iPhone, Samsung Galaxy or WiFi enabled tablet, there’s no denying that these smart devices have ingrained themselves into our lives.

What you may not be aware of though, is that there are apps that you can use to help support you in your business, particularly as a builder.

We get asked a lot about the types of business and technology software

builders and constructions company use to run their businesses and recently, we’ve been asked the same about apps.

While you might think that a smart device is just a means to hear from clients and quickly check your email, it can be so much more if you have the right apps enabled on it.

Below you’ll find 5 of the top business and technology apps that you can use in your building business, to help manage your invoices, track your time against each client and even draw CAD drawings with your fingers!

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FEATURE /Top 5 BUSINESS & TECHNOLOGY APPS FOR BUILDERS FEATURE /BUSINESS & TECHNOLOGIES

AIBM Australian Insurance Builders Magazine

1

App 1 – GeoOp If you struggle to keep on top of jobs, then a job management tool like GeoOp is good option to try. The app can be installed across both Android and iOS platforms and you can access it from your smart phone or tablet.

Think of it like a large calendar, where you can view all the jobs you have on the books. You can also assign jobs to specific contractors (or staff members) and track their location via the maps tool.

You can also invoice a client directly from within the app and because it runs ‘in the cloud’ it syncs and updates across all your devices and computers in real-time.

There are a number of plugins that you can add to GeoOp to make it even more robust, such as cloud-based accounting.

This type of functionality could almost see you running your entire business from your mobile device.

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2

App2 – Material Weight Calculator How many times are you on site and find that you need to convert bulk materials or liquids to mass weights accurately? This calculator will help you convert metals, timber, liquids and bulk material volumes to mass weights that are accurate.

The calculator has been built specifically for the construction industry, with over 100 different types of products used in a commercial or residential construction situation available.

Once you’ve done the conversion, you can email the calculation to anyone that needs it and save the calculations against jobs so that you’ve got easy access for future weights.

You have the option of imperial or metric settings as well.

3

App 3 – PadCAD If you have the need to access and create CAD drawings on the fly, then PadCAD is a good option to consider.

The app is not a full-featured CAD program, but it will help create preliminary design ideas or in-field sketching. If you find yourself sketching things on scraps of paper, then this is a great alternative.

Available on both Android and iOS, you can send the drawings you create directly from the app. It’s ideal for showing building footprints and floor plan ideas to your clients.

4

5

If, like most builders, you hate having to carry around paperwork, particularly bulky plans, then an app like PlanGrid is a great alternative to use.

If you find yourself hating to carry your toolkit everywhere, then this carpentry toolkit app could be the answer.

App 4 – PlanGrid

With this app, you can leave rolls of plans or blueprints in the car or at the office and collaborate with everyone involved digitally instead.

Simply upload the plans online and everyone can access the plans on their smart devices. The app syncs in realtime, meaning any changes made and uploaded will appear immediately across all devices.

You can take notes directly on the plans and add progress photos via the app as well. If you’re looking for a way to reduce time when it comes to getting feedback and changes on plans, this app will definitely help you achieve

App 5 – iHandy Carpenter

You’ll get access to a ruler, protractor, bubble level, plumb bob and surface level all in the one app. While it’s not designed to replace your actual tools, it will help when you’re doing some initial measuring and don’t have access to your tools then and there, of if you just don’t want to carry your tools everywhere you go.

There are many more options available when it comes to business and technology apps that you can utilise in your business.

Builder specific apps are not as common, so this list provides you with apps we know you’ll find helpful.

and manage this.

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FEATURE /STORMS & CATASTROPHES

Australian Insurance Builders Magazine

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Australia is not foreign to major storm events. In recent years, we’ve been exposed to some major storms, which have resulted in catastrophes where many Australian’s have been left without their home or belongings.

Managing major catastrophes and minimising the risk of damage is an area where a lot of Australians need further education on. As a tradesperson who works on residential properties or local businesses, providing your customers with the right information in how to deal with a major weather event will help reduce the amount of time they spend without a home.

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FEATURE /STORMS & CATASTROPHES

Australian Insurance Builders Magazine

El Nino weather patterns have been providing Australia with some significant storms and rainfall over the past 50 years. Warnings have been in place for 2014, with a prediction that another El Nino event could happen this spring.

Now is the time to advise your customers, potential customers and local businesses about how they can prepare for a possible storm event in the next few months.

Provide recommendations such as: • Ensuring gutters are clear of leaves and potential blockages • Checking roof for possible leaks • Trimming trees that are close to the house • Reviewing their insurance policies to ensure they have the right cover in place • Having an emergency evacuation plan in place for their families By being prepared, people can reduce the amount of damage and potential loss they could sustain during a catastrophe.

Outside the obvious tropical cyclones and fire events, there are other types of storms that can cause issues.

Hail is a big issue for areas such as NSW, VIC and QLD. [Source: http://www. insurancecouncil.com.au/issue-submissions/ issues/catastrophe-events] The worst months for hailstorms are from October to April. Providing advice to local residents and businesses around how they can protect their homes and belongings during this time is a great way to display community spirit.

Providing residents with the following information will help reduce major damage from occurring during a hailstorm: • Advise residents to only use hail-resistant shingles on their roof. These need to carry a Class 4 UL rating to be hail-resistant (let them know you can provide this for them).

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Climate change around the world is responsible for some challenging weather patterns too. We’ve seen an increase in major earthquakes, flooding, volcano eruptions and tropical storms compared with the previous 20 years.

In Australia, climate change has not gone unnoticed either. With an increase in temperature of 0.9°C per year since 1950, it’s not hard to see why some regions of Australia have been in a drought for 10 plus years.

Rainfall patterns have also dramatically changed, with eastern and south western parts of Australia experiencing a substantial rainfall decline, whereas north western Australia has become wetter.

Understanding El Nino and climate change impacts on Australia will help you to better serve your customers.

Offering proactive services provides customers with peace of mind that they are minimising potential damage and loss during a major weather event and nets you ‘warm fluffies’.

Once a major storm turns into a catastrophe, being proactive again and providing immediate help where needed will also provide ongoing work and community support.

• Hailstones can travel at speeds of 120mph, so advising residents to get inside immediately during a hailstorm, no matter where they are, is sound advice.

• Vehicles are also at risk during a hailstorm.

Advise residents to park their cars in a garage or in an underground carpark during hail. If people are driving when this happens, looking for an overpass or shelter with a strong roof is advised. Most hailstorms only last about 5 minutes, so any type of shelter is better than none.

Managing storms and catastrophes requires forethought and planning, both on the part of residents and business owners and the tradespeople that provide ongoing services.

By providing resources and help to local people in your area, you can set yourself up as the resident ‘go-to’ person when storms and catastrophes occur.

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FEATURE /Hailstorms - New Path of Destruction

AIBM Australian Insurance Builders Magazine

New Path

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of

Destruction

G

lobally the most costly weather related insurance losses are from tropical cyclones (also known as hurricanes or typhoons in other parts of the world) and winter storms (Munich Re 2000).

However in Australia, whilst losses from tropical cyclones have been significant, the losses from hailstorms such as, Sydney (1999), Blacktown (2007), Brisbane (2008), Melbourne (2010) & Perth (2010) contribute significantly to the overall totals of insurance losses over the last 15 years.

Climate researchers have suggested that marginal increases in sea surface temperatures can increase the threat of severe hail storms particularly in Australia. To support this view, we conducted a review of available data on sea temperatures around in the lead up to each of the above listed severe hail storms, there had been increased sea surface temperatures recorded compared to the normal range.

As we are walking into the 2014/15 storm season, the AIBN team we were brainstorming about what challenges insurers and their supply chain might face if a ‘Sydney 1999’ styled hail storm ripped through a major city this year.

After a few war stories were shared, we identified a potential new problem that will have a direct impact on average claims cost and potentially an increase in customer complaints if not handled appropriately. That issue relates to Solar Electricity Panels.

Whilst the prominence of solar panels on roofs is not necessarily a new obstacle, there has not been a major hail storm event in a populated area since 2010, at which point the Australian Bureau of Statics indicated less than 100,000 homes had a solar energy system installed.

Since then almost 1.5 million solar energy systems have been installed on roofs across Australia, which, represents a 150% increase, making this now a critical element in roofing projects following hail storms.

In relatively minor events over the last 12 months in Coffs Harbour, Bulahdelah, Tamworth, Coomera & on the Sunshine Coast there have been numerous challenges reported, by Insurance Building Contractors, on the availability of qualified, licenced installers and also the availability of matching products to replace damaged, old or discontinued solar panels.

One of the potential sources of customer complaints may come from home owners whose electricity bills increase, whilst their existing system is out of action, particularly if there are delays in the completion of the project.

Obviously most consumers purchased the solar systems to subsidise or reduce electricity costs, so how will they react to increasing electricity bills and a delayed?

With an increasing threat of severe hail storms over the summer, suppliers and repair teams must be considerate to the potential of these challenges to ensure your managing average claims cost, repair lifecycle and ultimately ensuring a great customer experience.

www.insurancebuildersmag.com.au | 25

AIBM AIBM

FEATURE / ONLINE REPUTATION

FEATURE / EMPLOYEE BURNOUT

Australian Insurance Australian Insurance Magazine BuildersBuilders Magazine

For more information on Jim Cyngler Consulting services or to register your interest email admin@jimcyngler.com or call Jim on 0412 108 390 or visit our website www.jimcynglerconsulting.com

DON’T LET DON’T LET DISPUTES DISPUTES DISTRACT DISTRACT YOU FROM GETTING YOU FROM GETTING THE JOB DONE. THE JOB DONE.

Conflict is often an uncomfortable and

Jim Cyngler is the founder and managing

uncooperative experience. You know the

director of Jim Cyngler Consulting. He

answers seem obvious but the others just

knows the building sector back to front

won’t acknowledge or respond sensibly.

and regularly conducts mediations in the

So what do you look for in a conflict

construction industry, often in complex

resolution specialist? Someone who hears

and/or high conflict circumstances. He is

you? Understands your needs and finds

a registered domestic and commercial

appropriate ways to address them?

builder, property developer and barrister.

Someone who works with you to reach a

This background gives Jim a practical

resolution and end your struggles with the

understanding of issues within the building

other party?

industry whether they relate to

Jim Cyngler Consulting goes much further.

construction, contractual disputes,

We help you manage conflict in a

finances, property or interpersonal

constructive and positive way. We go

conflict.

beyond merely satisfying the parties needs and address the struggle;

Utilising over thirty years of conflict

articulating the differences between you,

management and legal experience, Jim

so that you can make the decisions which

Cyngler assists organisations and

are best for you. Jim Cyngler Consulting

individuals in resolving problems,

brings a rich understanding of conflict: it’s

improving decision making, facilitating

patterns, drivers and dynamics, and are

difficult conversations and generating

experts at working with key players to

and implementing strategies to achieve

help them recognise and deal with the

their future goals. He is a Principal

issues that are real for them. We help you

Instructor under the Australian National

to transform challenging conflict

Mediator Standards and regularly

interactions by acknowledging difficult

conducts conflict management training.

relationships and supporting you to create a productive and proactive

Jim Cyngler Consulting offers a variety of

decision making environment.

public and in-house conflict

This support enables you to have a safe

management workshops. This training is

and constructive dialogue, helping

essential for those wanting to manage

everyone to get clear about their own

conflict, develop conflict management

priorities, make difficult conversations

systems, build relationships, enable

easy and deal with change and

difficult conversations, crucial conversations and achieve good decision making.

difference in an inclusive and responsive manner. We understand the importance of not only resolving the current dispute but in supporting and enhancing the ongoing relationships.

26 | Australian Insurance Builders Magazine

30 | Australian Insurance Business Magazine

DON’T LET

DISPUTES DISTRACT

YOU FROM GETTING THE JOB DONE. IF NOT ADDRESSED QUICKLY, CONFLICT CAN COST TIME, MONEY AND OPPORTUNITIES. IGNORING CONFLICT CAN DAMAGE EXISTING RELATIONSHIPS. DON’T BE DISTRACTED BY THE COST, TIME AND STRESS OF LITIGATION. RESTORE CONTROL, MAINTAIN PRODUCTION AND MANAGE DISPUTES EFFECTIVELY. LET JIM CYNGLER CONSULTING HELP YOU FOCUS ON GETTING THE JOB DONE. NEED TO BUILD YOUR SKILLS IN MANAGING CONFLICT? JIM CYNGLER CONSULTING CAN HELP YOU.

Jim Cyngler Consulting helps you to have constructive conversations and get to the heart of the problem quickly while maintaining important working relationships and allowing you to get back on the job; on time, on price and with less stress.

We understand that sometimes it is the people involved that make a resolution seem impossible.

Our expert practitioners offer you the space and support to deal with your disputes, to get clear and to decide on a practical solution that is best – for you.

Don’t let disputes distract you.

Call JIM CYNGLER CONSULTING now on 0412 108 390 admin@jimcyngler.com.au jimcynlgerconsulting.com.au

www.insurancebuildersmag.com.au | 27

AIBM

FEATURE / Top 10 Occupational Health & Safety Tips in Construction

Australian Insurance Builders Magazine

Top 10

A

s much as OH&S can seem like a pain to set up and ensure staff and subcontractors follow, without it, the construction industry could be a battlefield in terms of workplace injuries and avoidable deaths.

Unfortunately, statistics are still high for serious injuries or illness occurring in the construction industry, with 13,735 claims received for injuries during the 2011-2012 period [source: www. safeworkaustralia.gov.au].

To avoid OH&S issues arising at a worksite you’re responsible for, follow the tips outlined below and make sure that you have all your OH&S information displayed and easily accessed while on site.

10 Tips for Maintaining OH&S on a Construction Worksite:

1.

Follow all OH&S guidelines as outlined by your State government. Each State has slightly different guidelines – make sure that you’re meeting and following these guidelines. You can find out more information by visiting www.safeworkaustralia.gov.au or your individual State’s website.

2.

Remind staff and subcontractors DAILY about OH&S best practices. Remind people to be aware of their surroundings and to think before taking an action that could be dangerous, both to themselves or those around them. By reminding people to be self-aware, you can help avoid silly mistakes being made, which can lead to more serious consequences.

3.

For any high risk activities, make sure work method statements are prepared and received PRIOR to any work being completed. These are required for areas such as confined spaces, use of explosives, working at height etc.

4.

Follow best practice safety requirements for working at heights over 2m. This means keeping controls in place such as edge protection and catch platforms. Always have qualified staff double and triple check safety mechanisms to REDUCE the risk of falls, and should a fall occur, that a catch platform will further minimise any serious injury from occurring.

28 | Australian Insurance Builders Magazine

5.

6.

If working in a public place, where the risk to public safety is high, ensure that best practice safety standards are followed. Ensure that if you are the principal contractor, that you have done ALL that you can to protect the public, including setting up adequate safety signage, site fencing and that maintenance of safety barricades is enforced.

Ensure that only the RIGHT people work on specialist areas, such as only qualified electrician’s work on wiring and electrical requirements. Nonqualified staff should NOT be responsible for

7.

8.

Ensure that the OH&S officer is meeting and following requirements, and completing detailed paperwork when it comes to plant and injury records. Failure to have proper records maintained can lead to serious

Make sure all relevant information from councils, local energy companies etc has been received PRIOR to work commencing. This will help reduce issues arising such as digging and hitting gas, water or electricity lines, which can lead to additional costs and work delays.

company fines.

areas they are not qualified in.

9.

10.

If using hazardous substances, make sure a register is used that lists the substances and their material safety data sheet reference. This register should be made available to anyone working on site and be updated daily.

Ensure that proper hoarding along the site boundary is in place, particularly when working at height and there is a risk of falling objects. The use of safety screens and catch platforms should be in place as well as ensuring that gaps between screens are no more than 25mm.

Health and Safety in Construction is an ongoing process; companies, employees and subcontractors are all responsible for ensuring that the proper OH&S procedures are followed.

Injuries in the workplace should not be as common as they are and the only way that they can be

reduced is through ongoing education, training and awareness.

To learn more about how you can ensure that your company meets OH&S best practices, visit www.safeworkaustralia.gov.au or your local State body website.

www.insurancebuildersmag.com.au | 29

How compliant is your business to the new WHS laws?

AIBM Australian Insurance Builders Magazine

Now more than ever it is critical for your business to be WHS compliant Employee, contractor and public safety is crucial but so is your ability to tender for projects and work on sites that will simply not do business with non WHS compliant business’s.

To make it fast and easy for small to medium sized business’s to achieve and maintain WHS compliance, WHS experts Lawson Risk Management have developed a brand new online product called ExpressWHS. ExpressWHS is a complete downloadable Safety Management System that you can customise and adapt for your business.

ExpressWHS is fast, comprehensive and ready to go now for under $1000.

Contact us to learn more: Visit www.expresswhs.com.au or call (08) 8210 2800

Express WHS

FAST & EASY WHS SYSTEMS ExpressWHS.com.au has been developed and is run by Lawson Risk Management Service Pty Ltd, a leading Australian Work Health and Safety consulting firm.

Lawson’s provide specialised Work Health and Safety and related services to many large organisations and have developed ExpressWHS.com.au specifically to package their expertise into an affordable and easily accessible product suited to small to medium sized business’s.

30 | Australian Insurance Builders Magazine

Lawson SAFETY & CLAIMS MANAGEMENT

www.lawsonrisk.com.au

Health and safety is often looked upon as just a load of paperwork and gets in the way of getting the job done.

The Work Health and Safety (WHS) legislation requires workers to complete a Job Safety Analysis and develop a safe Working Procedure before commencing work above 3m or where a fall could result in a serious injury, a common question asked is: “Why do I have to do this?”

One of the reasons is to make the worker stop and consider the hazards of the job before starting work, hopefully to ensure that the Worker does everything reasonably practical to prevent harm to themselves and their workmates.

The first rule of health and safety is to ask the question do I have to do this? In respect to working at heights and stormy weather the question could be “Do I have to do this now, or can it wait until the weather has improved?” Unless the situation is a life or death event that SES Volunteers may encounter where they consider the risk worth it, but if all you are doing is adjusting a TV aerial could it wait?

The WHS legislation requires a Person Conducting a Business or Undertaking (PCBU) (if you are an owner builder or a sole trader that includes you) to consider the hierarchy of controls when determining what is reasonably practical to control the risk of harm. The Code of Practice for Managing the Risk of Falls at Workplaces provides guidance on the options.

Working at heights and stormy weather combined are a recipe for disaster!

Elimination: As discussed above: E.g. Do I need to do this (now) by climbing on the roof? If you still need to work at heights can you: Substitution: Can I do this job by standing on the ground or work from solid construction? E.g. Can I use an extension Pole?

Minimise the Risk: If it is still necessary to work at heights, Can the risk of a fall be minimised by providing and maintaining a safe system of work? Including: • Providing a fall prevention device (for example, installing guard rails) if it is reasonably practicable to do so, or • Providing a work positioning system (for example, an industrial rope access system) if it is not reasonably practicable to provide a fall prevention device, or

• Providing a fall-arrest system, so far as is reasonably practicable, if it is not reasonably practicable to provide a fall prevention device or a work positioning system.

A combination of control measures may be necessary such as using a safety harness and lanyard while working from a cherry picker. So next time you have to work at heights ask yourself these questions: • Do I have to climb up there now or at all?

• If so how do I make sure that I do not fall?

• How can I protect myself and others when I’m working at heights?

www.lawsonrisk.com.au

www.insurancebuildersmag.com.au | 31

AIBM Australian Insurance Builders Magazine

Painting & Plastering Services High Quality Professional Services Australia Wide

Your Solution to Plaster and Paint

MB CONTRACTORS 32 | Australian Insurance Builders Magazine

Phone: 0405 839 393 Email: mbarakat@mbgroup.com.au 25 Emery Ave, NSW

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AIBM

BOOKING A ADVERTISING BOOKING APPLICATIONADVERTISING FORM

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Mepstead Electrical Pty Ltd

Adelaide Wool North

RITEBILT

“Repair, Maintain, Renovate”

MOB: 0407 426 345

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THIS IS NOT A BILL YOU ARE NOT REQU THIS IS NOT A BILL YOU ARE NOT REQUIRED TOinfo@vertcons.com.au PAY ANY MONEY Email address: Fax:

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To confirm To confirm your booking in THE AUSTRALIAN INSURANCE BUILDERS MAGAZINE ACN: 167 316 your 681 booking in THE AUSTRALIAN INSURANCE postal address: 72Postcode: Laura Ave,3193 Belmont State: VIC State: Billing VIC Australian Insurance please complete this form & email or fax back to info@ins please complete this form & email or fax back to info@insurancebuildersmag.com.au Builders Magazine orKingscliff Fax to (02) 6678 1003. Ph: 1300 729 134 - ABN: 12 167 3 or Fax to (02) 6678 1003. Ph: 1300 729 134 - ABN: 12 167 316 681 - 11-13 Pearl Street, NSW 2487

Billing postal address: 41 Dalgetty Rd, Beaumaris Australian Insurance Builders Magazine

www.plasterwizards.com.au

ADVERTISER INVOICING DETAILS Customer name: David

Customer name: Phone: 0410 665 043 Payment Terms: strictly 14 days

Call Nick on: 0411 479 330

Organisation (if applicable): Davnic Excavations Directors (if applicable): Email address: contact@davnic.com.au Servicing the Greater

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Square Set Cornicing Suspended Ceilings Preformed Bulkheads Ceilings Roses Level 5 Finish Fire Rated & Acoustics

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1.Terms & Conditions 1.Terms & Conditions Mob: 0410 665 043 | Factory 41/35 Lusher Rd, Croydon VIC 1.1. The Australian Insurance Builders Magazine and insurancebuildersmag 1.1. The Australian Insurance Builders Magazine and insurancebuildersmag.com.au are products of 8King Investments Pty Ltd A.C.N as Australian Insurance Builders Mag Pty Ltd A.C.N 167316681 trading as Australian Insurance Builders Magazine A.B.N 167316681 12 167 316trading 681 provide the content on the magazine and website subject to the follow content on the aforementioned magazine and website subject to the following terms andaforementioned conditions of use.

TERMS AND CONDITIONS: TERMS AND CONDITIONS: 2. Rates and Payment 2. Rates and Payment In these terms and conditions In these terms and conditions

MEDOWIE BUILDING CORP P/L

to time. to time.

Building Contractors Advertiser refers to invoicing any person, company or business that is particularized Advertiser refers to any person, company or business that is particularized in the advertising details sections’ 2.2 All payable are inclusive of GST. Where a supply is a taxable suppl 2.2 All rates payable are inclusive of GST. Where a supply is a taxable supply, all rates amounts payable or other consideration of this application form. of this application form. must be increased by the amount of GST payable in relation to th provided must be increased by the amount of GST payable in relation toprovided the supply. refers toAdvertisement ‘Australian Insurance Publisher refers to ‘Australian Insurance Builders Magazine A.B.NPublisher 12 167 316681. means theBuilders Magazine A.B.N 1 TheAdditional rates on the form to cover 2.3 The rates on the Application form cover the cost of advertisement2.3 only. feesApplication will be payable the the cost of advertisement o advertisement published by the Publisher at the Advertiser’s request. advertisement published by the Publisher at the Advertiser’s request.

Publisher if the Publisher agrees to make changes to Advertisement.

Publisher if the Publisher agrees to make changes to Advertisement.

Application form refers to 316681. any form by the Australian Insurance Builders Application form refers to any form by the Australian Insurance Builders Magazine A.B.N 12 167 2.4 The Publisher the including Advertiserany with a tax invoice, and the Adv 2.4 The Publisher will issue the Advertiser with a tax invoice, and the Advertiser must paywill the issue invoice, GST within 14 days after the date of the invoice.

GST within 14 days after the date of the invoice.

1.Terms & Conditions 1.Terms & Conditions 2.5the If the Advertiser 2.5 If the Advertiser fails to pay the invoice in accordance with clause 2.4, Publisher may:fails to pay the invoice in accordance with clause 2.4, 1.1. The Australian Insurance Builders Magazine and insurancebuildersmag 1.1. The Australian Insurance Builders Magazine and insurancebuildersmag.com.au are products of 8King Investments (i) charge interest on any outstanding payments; (i) charge interest on any outstanding payments; Pty Ltd A.C.N as Australian Insurance Builders Mag Pty Ltd A.C.N 167316681 trading as Australian Insurance Builders Magazine A.B.N 167316681 12 167 316trading 681 provide the (ii) cancel any Advertisements yet to be published; and (ii) cancel any Advertisements yet to be published; and content on the magazine and website subject to the followi content on the aforementioned magazine and website subject to the following terms andaforementioned conditions of use. (iii) exercise any other rights to which it is entitled at law. (iii) exercise any other rights to which it is entitled at law.

2. Rates and Payment

1

2. Rates and Payment

to time. to time.

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GST within 14 days after the date of the invoice.

2.5the If the Advertiser accordance with clause 2.4, 2.5 If the Advertiser fails to pay the invoice in accordance with clause 2.4, Publisher may:fails to pay the invoice in TRUCKS (i) charge interest on any outstanding payments; (i) charge interest on any outstanding payments; BOBCATS (ii) cancel any Advertisements yet to be published; and (ii) cancel any Advertisements yet to be published; and (iii) exercise any other rights to which it is entitled at law. (iii) exercise any other rights to which it is entitled at law.

1

Ph: 02 4997 5663

101 Waterfront Rd, Swan Bay NSW 2324

As a Prompt Maintenance and retifications business, we gladly accept emergency call out work (via phone/fax/email) and can be on site between 30 minutes and 1 hour, if urgent.

We have an office/warehouse located in Lonsdale and another warehouse north of the City. We have 60 workers living North, South, East and West of the City, who carry out repairs through South Australia, including all country areas and interstate if need be.

We also have crews stationed at Mount Gambier, Whyalla, Port Augusta, Kadina, Kangaroo Island, Mildura VIC, Darwin NT and Katherine NT. We do over 2,000 repair and maintenance jobs per year, including jobs for private clients, insured work, and/or other builders/developers. We have 30 years of experience working in the building trade. No job is too big or too small.

We have a range of trades, highly qualified for carpentry, gyprocking, painting, electrical, garage/roller doors, all roofing, guttering and downpipes, eaves, installation of ornate works, facias, tiling as required, blinds and awnings, asbestos removal, floating floors, vinyl carpet laying, antenna installation/repairs, floor/skirting and tiling as well as minor solid plaster work to client to a minimal.

If you have any queries or wish to discuss the matter further, please do not hesitate to contact Tom on 0408 833 179.

Before

1/8 Bredbo Street, Lonsdale SA 5160

Ph: 08 8384 6313 Fax: 08 8384 6317 After www.insurancebuildersmag.com.au | 43

AIBM

FEATURE / THE IMPORTANCE OF ASBESTOS REMOVAL

Australian Insurance Builders Magazine

The Importance of Asbestos Removal Most people are now aware of the dangers of asbestos and the effects it can have on their health, but many people are still at a loss as to how to remove it from their homes, particularly if the home has been damaged during a severe storm or during renovations.

Many Australian homes still have asbestos in them, so understanding the risks involved in dealing with asbestos is the first place to start to ensure that, should a home become damaged during a natural disaster, you know what to do.

Asbestos Risks 1. According to the ADFA (Asbestos Diseases Foundation of Australia), one in three Australian homes contain building materials that have asbestos.

2. The major risk is when a home becomes damaged and if it contains building materials with asbestos, a dangerous dust (or fibres) can be released that can be inhaled, causing major health issues 3. There are legal and safety requirements across Australia to regulate the safe removal of asbestos from a home. Failure to follow these could lead to health issues for families and the general public Half the battle with managing asbestos is identifying whether or not it is contained in a house you might be working on. It can be found in walls, ceilings and floors, which makes it difficult to identify when it comes in so many different forms.

The best way to identify whether there is asbestos in a home is to seek professional expertise. Having a qualified professional inspect the home before you begin repairing it, will provide you with the information that you need, without causing any unnecessary risk to you and other’s in the immediate vicinity.

It’s important to understand that asbestos in a home doesn’t pose a risk if the building materials are not damaged. In most cases, if the materials show no wear and tear they can be left in place.

44 | Australian Insurance Builders Magazine

What Should You do if You Discover Asbestos?

If you discover asbestos in a home, there are a few things that you need to do to keep yourself and everyone else safe: 1. Don’t touch it. If you discover what you think is asbestos following damage to a home, call a qualified professional to inspect it immediately and keep everyone away from it.

You can have any building materials tested for asbestos by contacting the National Association of Testing Authorities. They can be contacted directly on 03 9329 1633 or by visiting their website www.nata.asn.au.

2. Don’t use power tools on the asbestos; this can cause dust and fibres to enter the air, which is the fastest way to inhale toxic fumes.

To ensure the safety of yourself and of the general public, it’s important to fully understand the dangers of asbestos and how it should be handled and safely removed from a home following major damage. By staying up-to-date on the dangers and hazards of asbestos, you can ensure that you know what to look out for. Visit www.asbestoswise. com.au for full details.

3. Don’t use any compressed air to clean asbestos filled building materials. This can cause damage to the materials, causing dust particles to enter the air.

If you have been contracted to work on such a home, ensure you follow proper safety precautions and contact qualified asbestos professionals should you have any

4. Open any windows close by to ventilate the area.

concerns.

5. Wet the material to keep fibres and dust from escaping while you wait for a qualified professional to arrive.

www.insurancebuildersmag.com.au | 45

AIBM

FEATURE / ALERTFORCE -ASBESTOS AWARENESS AND REMOVAL

Australian Insurance Builders Magazine

Asbestos Awareness and Removal Asbestos awareness and removal is a vital consideration in Australia, as products containing the deadly fibres are discovered each day.

The country’s extensive history with asbestos has made this material a serious threat to homeowners and employees in many industries. It is important, therefore, that Australians know what trends and discoveries are affecting buildings and work across the country.

“Only qualified tradespeople with training in suitable asbestos control measures can work in any areas identified as containing asbestos.”

Here are just five recent headlines that shed some light on how asbestos continues to impact on local and international operations.

Many locals purchased garden mulch from the Bundaberg Regional Council rubbish tip.

Unfortunately, a resident last month discovered small pieces of asbestos present in the product.

NSW joins asbestos campaign As the campaign to remove loose-fill asbestos from home in the ACT continues, the NSW government has come on board, offering free inspections to any home built before 1980 in highrisk areas.

Thus far, NSW has lagged behind the ACT in terms of addressing the “Mr Fluffy” crisis, claiming that the asbestos was safe as long as fibres were undisturbed.

A recent asbestos scare has seen a number of Bundaberg residents unintentionally putting their homes and gardens at risk.

After sending the product away for testing, the tip continued to sell the mulch until the results were returned. This meant that dozens of residents had time to purchase and use the contaminated product.

“

The NSW government is absolutely committed to ensuring the health and safety of all citizens in this state. This commitment stands when it comes to the issue of asbestos

However, as the campaign to demolish affected ACT homes moves forward, NSW Finance Minister Dominic Perrottet announced the state would conduct health assessments in affected homes to make a better informed decision.

“The NSW government is absolutely committed to ensuring the health and safety of all citizens in this state,” Mr Perrottet said in an August 15 statement.

“This commitment stands when it comes to the issue of asbestos.”

Fronting the campaign is the NSW Heads of Asbestos Coordination Authorities (HACA). This organisation is chaired by WorkCover’s Acting General Manager Work Health and Safety Division Peter Dunphy.

“While the investigation will help determine the extent of properties that may be impacted it is important to remember that the risk of exposure to asbestos in buildings containing loose-fill asbestos is likely to be very low if the asbestos is undisturbed and sealed off,” Mr Dunphy explained.

He added that sprayed asbestos insulation is a “highly hazardous” product, and should not be disturbed by homeowners or workers who have not undertaken asbestos removal training.

46 | Australian Insurance Builders Magazine

Garden mulch contamination discovered

”

A spokesperson from the council explained to NewsMail that residents who had bought the mulch were being contacted and offered assistance. The council planned to send a qualified professional to each home to test gardens and undertake any necessary decontamination.

Since the incident, measures have now been put in place to obtain contact details for those purchasing the council’s mulch, as well as improving monitoring of what is being dumped. Asbestos products are not normally allowed in the affected tip site, which means that material has likely been incorrectly disposed of.

Anyone concerned about their garden should contact the Bundaberg Regional Council on 1300 883 699.

Drive for education in Wollongong The Wollongong City Council has pushed for increased asbestos education for residents. In addition to publishing a list of approved and licenced removalists, the council will also release an asbestos education program.

Developed by the Asbestos Education Committee, these measures will ensure that local residents are aware of their responsibilities regarding asbestos assessment and removal.

“All of the councillors were unanimous in expressing their concerns about the effects of asbestos on people’s health and believed council should and could do more to protect the health of Wollongong residents,” Councillor Jill Merrin told the Illawarra Mercury on August 10.

This shows that it is important not just for removalists to access the appropriate licences, for also for homeowners to ensure they hire the right people to undertake asbestos-related work.

Unlicensed asbestos removal results in fines around the world

The unauthorised demolition of a home in Bardwell Park, NSW is just the tip of the iceberg in regards to unlicenced renovations, according to the Rockdale Council.

A number of recent court cases have seen unlicensed removalists be landed with heavy fines. While these trials were located overseas, they each demonstrate the serious nature of unauthorised asbestos handling.

In particular, an American man from Woodbridge, New Jersey has been given five years in prison for undertaking unlicensed asbestos removal in schools, homes, churches and pre-school centres.

The man came under investigation after authorities discovered asbestos dust and material had been left in a day care facility he had been charged to clear.

Unlawful demolitions a problem in Rockdale

While the owners of this particular property were given a stopwork order and a clean-up notice, a spokesperson from the council claims there are “dozens and dozens” of homeowners who are working on their homes without approval.

These individuals are not only putting themselves at risk, but also creating hazards for the health of neighbours and workers by potential asbestos contamination.

The home in this particular instance was over 70 years old, which means it is very likely it contained asbestos products, as reported by The Leader on August 15.

A suggestion raised by locals is for approved and assessed demolitions to be given official notices to be displayed prominently on the site. This will help the community identify illegal works, and should boost the number of unauthorised projects the council is informed of and able to stop.

“[He] exhibited tremendous greed and callousness with his unlicensed and unsafe asbestos removal, putting the health of young children at risk so that he could turn a profit,” acting state Attorney General John Hoffman said in a statement.

The Rockdale Council has reissued warnings regarding older homes, particularly those that may contain asbestos materials. Residents who are planning renovations or demolition should engage a suitably licenced individual to assess the asbestos risk and, if required, carry out the removal.

Another case in the United States has seen a man from Lebanon, Oregon fined more than US$13,000 for allowing an unlicensed individual to undertake an asbestos project on his home.

Issued by the Oregon Department of Environmental Quality, fines regarding unauthorised asbestos work are handed out regularly to property owners and businesses. This particular fine was followed by a $8,800 penalty issued to a cafe in the same area that engaged the services of an unlicensed contractor.

Non-compliance with the clean-up notice could result in a fine up to $1 million for a business and $250,000 for an individual.

Want to know more?

Asbestos is a serious issue in Australia. If you would like to know more about this deadly material, check out the other stories on our news feed.

AlertForce provides Nationally Recognised Asbestos Training in all states of Australia. Please call 1800 900 222 for more information. www.insurancebuildersmag.com.au | 47

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H

ats For Houses is a Preferred Repairer for several major insurance companies. We specialise in emergency make-safes, roof reports, tarping, asbestos removal, roof repairs and replacement.

We have the ability to operate 24/7 in times of high need such as a large storm event. We have licenced and experienced crews based throughout South East Queensland, covering the Sunshine Coast, Moreton Bay, Somerset, Brisbane and the Gold Coast. We pride ourselves on customer service, quality workmanship and competitive prices.

One example of our insurance work is a roof replacement we completed on the Sunshine Coast earlier this year for an insurance company. The property had been impacted by hail in the 2013/2014 storms, resulting in damage to the asbestos roof, carport roof, garage roof, internal ceilings and light fittings. Our scope of works included removing and replacing the asbestos roof, re-painting the ceiling, repairing a light fitting and replacing a carport and shed roof.

Before:

52 | Australian Insurance Builders Magazine

Our first step was to contact the homeowner and advise that we had been awarded the repairs and the expected start date. We also notified WH&S of the asbestos removal and requested a safety advice from Energex for working in close proximity to power lines. All asbestos material was packed and wrapped according to regulations and transported to a registered waste facility by a licenced contractor. We also obtained an independent clearance certificate stating that all asbestos material had been removed. Once the entire job had been completed, we contacted the homeowner to ensure that she was happy with the work and we notified the insurance company accordingly.

This is one example of the sort of insurance work that Hats For Houses carries out. We also specialise in residential and commercial roofing and re-roofing, patios and carports, internal and external asbestos removal. If you have a project you would like us to quote on, please don’t hesitate to contact our friendly office staff on 1300 737 631 admin@hats4houses. com.au.

After:

We’ve Got You Covered!

We specialise in the following types of work: • Metal Roofing & Re-roofing • Residential & Commercial • Fascia & Gutter • Insulation • Patios, Carports and Decks • Asbestos Removal

Hats For Houses have been established in the Insurance Repair industry for over a decade.

We cover all of South East Queensland, including Brisbane, Sunshine Coast, Gold Coast, Moreton Bay, Toowoomba, Somerset and Chinchilla.

• Storm Damage If you would like a quote on your upcoming project, please call 1300 737 631 or email admin@hats4houses.com.au. www.insurancebuildersmag.com.au | 53

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FEATURE /ARCBUILD - AUSTRALIAN INSURANCE REBUILDERS

Australian Insurance Builders Magazine

RE-BUILD, RE-GROW As Darren Paxton explains, Arcbuild Insurance has built an enviable reputation in the building restoration industry by offering a seamless, stress-free customer service that takes care of the insured when they are at their most vulnerable. Photos by Paul Beutel.

I

started in the building sector as an apprentice in 1979 and now help shape the future direction of the industry, along with setting new OH&S benchmarks, as a Master Builders Australia board member.

During the past 35 years, I have seen every aspect of building ranging from basic carpentry to supervising multi-million dollar high-rise complexes. I am also the proud recipient of six prestigious Excellence in Housing Awards for several million dollar, architecturally designed commercial and residential properties I worked on.

However, I found my niche in the industry when I was asked to assist in the assessment and repair of damaged homes and businesses in BAU and catastrophe events for Mclarens Young International, Freemans and GAB Robins back in the 90’s. My forte was being able to logistically prepare and complete efficient, economical and professional repairs in a very large volume, which to this day I find both rewarding and successful.

Today you will find me at the helm of Arcbuild Pty Ltd, one of Australia’s leading insurance re-builders. Based in Northern New South Wales near Byron Bay, Arcbuild has become a recognised restoration provider that simultaneously manages catastrophic projects throughout Queensland, Victoria and New South Wales.

In this early period working with major loss adjustors, I learnt how to diplomatically deal with the insured in a manner that was not only respectful of the customer’s property but also for the insurer who I believe deserves a fair and honest assessment and repair of their client’s property.

This experience has enabled Arcbuild to implement advanced procedures so it can complete large volume with a reduced repair cost but still retain a sustainable profitable business that can and does provide a reliable, professional, long-term service to insurers.

CYCLONE OSWALD DEVASTATED THE QUEENSLAND TOWN OF BUNDABERG IN 2013

54 | Australian Insurance Builders Magazine

ONSITE: BUNDABERG Put simply, Arcbuild’s emergency response capabilities and sophisticated communication systems get people back in their homes, and back to work, faster after a man-made disaster or natural catastrophe.

Being a national leader in reconstruction services, we are able to handle a wide scope of jobs ranging from minor domestic repairs following a water leak to complete rebuilding of large commercial structures.

So by the time the Bureau of Meteorology had issued an urgent flood warning for Bundaberg on January 26, 2012, Arcbuild was already prepared to deploy a contingent to the North Queensland town. In fact, I receive automated alerts, and have direct links, to the Bureau of Meteorology, which enables me to watch on a daily and sometimes hourly basis storm activity and events that occur throughout Australia and New Zealand.

In all cases, I am in constant contact with insurers days before any flood and cyclone hits, working out a variety of key issues including: number of claims, type of plant and equipment that might be needed, staff structure and numbers, on-site staff accommodation, location of materials access, and date of deployment.

Arcbuild’s established emergency response procedures were used to set up accommodation and logistics for rapid deployment of mobile workforce, which I was able to remotely supervise to ensure professional turnover and claims using a range of technologies and customised sofware.

Not only do we provide same day settlement for customers with mobile merchant facilities but also use a high-tech, cloud-based communication system that enables faster processing and collection of payments while dramatically reducing administration work, especially for insurers.

www.insurancebuildersmag.com.au | 55

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FEATURE /ARCBUILD - AUSTRALIAN INSURANCE REBUILDERS

Australian Insurance Builders Magazine

We have witnessed first-hand the devastating effects catastrophic events have on a person’s home and business, which is why our core business is built around developing seamless, stress-free customer service that takes care of the insured when they are at their most vulnerable.

Arcbuild may work in the insurance building and restoration industry but we prefer to see ourselves as friendly neighbours helping the community get back on its feet.

Bundaberg resident Cynthia McKavanagh, who watched rising waters engulf her home of 44 years, said she didn’t expect to see a building company so soon after the event.

“I was surprised Arcbuild came out so quickly; I thought I would be without a home for at least 6-12 months,” she said.

“But it was only a matter of a few weeks before they were here assessing the damage and starting repairs.”

Due to constant tremors, some as severe as 4.5 magnitude Christchurch’s re-building process has witnessed numerous setbacks and caused claims to be re-assessed before they have even started. Arcbuild continues to have a team on the ground that assist with these logistics, procedures and repairs.

Although significant progress has been made, the sheer amount of damaged properties in Christchurch – not to mention destruction to major infrastructure such as roads and sewerage systems – is staggering.

FORESIGHT: BENCHMARKS & BEST PRACTICE In 2012, I established Australian Insurance Restoration Professionals (AIRP), a nonprofit professional trade association that provides leadership and best practice templates to the disaster restoration industry.

This came after years of talking with industry professionals who also saw the need to develop a series of courses specifically for personnel operating in the areas of natural and man-made disaster cleanup and restoration.

Despite family and friends suggesting she relocate to a less flood-prone area, Ms McKavanagh said she was grateful Arcbuild had helped her get back to the community she knew and loved.

While we have so far focused on OH&S procedures that primarily target insurance repairs, AIRP’s one-day courses will soon address a range of topics, including: dealing with the dangers of contaminated water during floods, risk-management for toxic gases on fire sites, and initial assessment protocols of damaged infrastructure.

“Everyone here knows your name here so why would I want leave?” she said. “This is my home.”

On completion, participants will be issued with a certified safety card, which will provide building clients with peace of mind knowing that their industry is implementing professional benchmarks while continuing to improve the reputation of insurance builders as ‘The Best of the Best’ in building.

Former Bundaberg publican John Hutton, whose restoration costs neared the $400K mark, said his 15-year old home in North Bundaberg had been “reborn” thanks to Arcbuild.

“I managed to get the cars out before we were completely flooded in,” he said. “I was very impressed with Darren and his team. Our home has been reborn.”

Since completing repairs in Bundaberg in November 2013, Arcbuild has assessed and repaired 371 properties resulting from the 2013 Coffs Harbour hail event, 2014 Tasmanian storms, and countless BAU claims NSW, Queensland, the ACT, Victoria and Tasmania each day.

OFFSITE: RE-BUILDING AN ENTIRE CITY When a magnitude 6.3 earthquake destroyed Christchurch in February 2011, no one in the insurance restoration building industry could have fathomed the long-term effects it would have on the beleaguered city.

While the total rebuild cost to insurers was originally estimated at NZ$15 billion – said to be the third-costliest earthquake (nominally) worldwide – that was revised in April last year to $30-$40 billion. That’s the equivalent of almost 20 per cent of New Zealand’s annual GDP, with much of that funded from the private sector in the form of insurance payments and construction.

Nearly three years later and, while the city is in the grip of a construction boom, leading international insurance restoration companies like Arcbuild continue to assist with the monumental rebuild.

Since being initially contacted by Christchurch City Council (CCC), we have provided assistance in formulating the repairs and restoration of Council owned properties, along with residential and commercial buildings at CCC’s Earthquake repair RFI workshop.

56 | Australian Insurance Builders Magazine

Ideally I would like to see this curriculum legislated through the Master Builders Association so all staff working on insurance repairs are required to have this safety induction card for events and BAU. Of course, the ultimate goal is to equip restoration professionals with the right skills to help property owners of all sizes recover from unexpected disasters, whether they are small basement floods or large commercial property fires.

Insurance building restoration specialists like Arcbuild are acutely aware that natural disaster risk is on the rise. Progressively powerful weather coupled with urbanisation and relocation shifts towards coastal regions have increased exposure to natural hazard risks. According to the Historical Disasters Statistics garnered from the Insurance Council Of Australia, the number of declared disasters spiked from 21 during 1967-1976 to 71 during 1997-2006.

These statistics are why Arcbuild has become a specialist insurance restoration builder.

We concentrate only on our insurer clients and strive every day to improve our business model in completion rates as well as repair costs to our insurer partners.

71 44 30 21

NOTE Graph derived from: Historical Disaster Statistics, Insurance Council of Australia, available: http://insurancecouncil.com.au/industry-statisticsdata/disaster-statistics (Accessed: 25/06/2012)

www.insurancebuildersmag.com.au | 57

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Electrical “Make Safe’s” and why it is so important to use a professional electrical company

For the past 18 years Pulse Electrical has been providing the highest quality electrical maintenance and repair works for insurance builders throughout Australia. Our in depth approach and constant drive to exceed our clients expectations has set the foundations for Pulse Electrical to be the leader in all electrical work associated within the insurance industry. When it comes to Electrical “Make Safe’s” what gives a professional electrical contracting company the edge over its competitors?

• Having the ability to attend a property or premises within the hour 24hrs 7 days a week.

• Expert training in the field of making safe a property.

• Understanding the insurance industry and knowing what is expected by its clients.

• Having all the safety systems and equipment available to attend a property and perform repairs at the highest level.

• Being able to communicate to the client and explain the overall process.

1300 478 573 07 3390 3500 www.pulseelectrical.com.au

58 | Australian Insurance Builders Magazine

• Taking photos and collating reports for repair work to be undertaken.

• Having the resources available to attend high volumes of work as they arise.

There is no time for short cuts or inferior work when it comes to making someone’s property electrical safe after serious damage has occurred.

For all Electrical works call Pulse Electrical “Electricians you can count on 24/7”

An electrician you can count on ... 24/7

Specialising in Electrical maintenance, Insurance repairs and make-safes, Domestic, Commercial and Industrial maintenance and repairs.

No job too big or too small!

1300 478 573 or 07 3390 3500 www.insurancebuildersmag.com.au | 59

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