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Recovery in the Aftermath of a Hurricane

The 2022 hurricane season may be nearing its end, but it is clearly not over just yet. With Tropical Storm Nicole approaching landfall and expected to reach the U.S. as a Category 1 hurricane, Florida residents are once again in storm preparation mode and in the coming days, they will be dealing with the storm’s impact. The aftermath of a hurricane presents many risks—while the storm may be over, the danger is not. Any storm that damages power lines, gas lines or electrical systems, puts you and your business at risk due to fire, electrocution or explosion.

Proceed With Caution

Even once we enter the recovery phase, it is important to take precautions in flooded areas. Never drive across flowing water; a few inches of water may cause you to lose control of your vehicle and as little as a foot of flowing water will carry away a small car. Similarly, avoid wading in floodwaters. They may be contaminated by agricultural or industrial chemicals, or hazardous agents. Remember that standing water can be dangerous as it may be electrically charged from underground or downed power lines.

Before entering a building that has suffered wind or flood damage, conduct a preliminary inspection to make sure it is stable. If there is extensive damage, have a professional engineer or architect certify that it is safe. A professional should also check the gas, water and electrical lines and appliances for damage.

When using a generator for building system power, be sure that the main circuit breaker is off and locked out prior to starting the generator and that there is no exposed electrical wiring or equipment. This will prevent inadvertent energizing of power lines or uninsulated circuitry and help protect utility line workers and building occupants from possible electrocution.

Rebuilding and Restoring

Damage to your business can have a dramatic and far-reaching impact, so it is best to be prepared for the worst. It is natural to want to get back to a storm-hit property as soon as possible, but a little extra caution can go a long way in these circumstances.

Once the property is deemed safe by local officials, specially trained recovery teams in appropriate personal protective equipment can help assess the damage and work with management to implement an action plan to safely get your business back up and running. It is important to photograph and document all damage and notify your insurance agent as soon as possible. Then you can proceed to make temporary repairs to protect the building and its contents.

Preparing for the Future

An average hurricane season produces 14 named storms, of which seven become hurricanes, and three become major hurricanes. Recovery is never a one-and-done proposition—there will always be other hurricanes and hurricane seasons. Regardless of whether or not you experienced damage this year, if your business is in a hurricane prone area, or has the potential for a hurricane, you need to put your hurricane preparedness plan into action by building your hurricane kits, gathering needed supplies, and training your employees in pre- and post-hurricane activities. Do not wait for the next storm to form, as, it becomes increasingly more difficult to acquire the necessary equipment and supplies for your location once a warning has been issued and a storm looming in the not-too-far distance. 

NOAA’s main function is to monitor weather and distribute alerts and warnings. Since 2019, NOAA has been utilizing models that provide a more realistic expected arrival times for storms. Having the ability to better pinpoint a storm’s arrival enables businesses to better prepare their locations and their people for the impeding storm. This technology also helps to reduce loss-of-life and injury, in addition to the potential catastrophic financial impact a hurricane can have on a business.

The recovery period that storm-impacted Florida businesses are in following this year’s storms presents a great opportunity for learning. It is essential that organizations have a process in place to assess weaknesses and strengths in their hurricane readiness plan before the next event. What went well before, during and after the storm? What can be improved or implemented to address any unexpected challenges from this event?

If history has taught us anything, it is that a common thread across the responses to all natural disasters is a lack of awareness and preparation. As one of nature’s most destructive events, hurricanes are powerful and far-reaching, often causing dangerous storm surges that can be felt hundreds of miles inland. With potential maximum wind speeds of 200 mph and the ability to drop more than 2.4 trillion gallons of water in a single day, hurricanes are not to be taken lightly. By identifying areas of vulnerability and taking actions to prepare, businesses can potentially reduce the impacts of a catastrophic hurricane.

How to Strengthen Your Safety Program and Cut Workers Compensation Costs

Controlling business costs is top-of-mind for organizations of all sizes and can take many forms, from moving the business to a less expensive building in a more economical part of town to cutting advertising costs. Many companies overlook one key way to control costs that can be easily implemented and managed while also improving work culture overall: implementing a safety program to better manage workers compensation costs. When the average workers compensation claim is around $40,000, taking steps to mitigate workers compensation risks and better manage claims can be a great opportunity for any business to both ensure the safety of its workers and protect the bottom line.

Risk professionals can help reduce costs by taking steps to implement any of the following:

  • Improved safety programs
  • More active involvement in claims management
  • Build out a return to work program

Encourage your internal teams to establish a well-planned and detailed new hire onboarding program that reinforces a strong safety culture. Here are some steps that you can integrate into your existing onboarding program that will also help control unnecessary or redundant workers’ compensation claim costs.

Practice Makes Perfect

Onboarding new employees means taking the time to acclimate them to how your business operates in terms of safety procedures, jobsite dos/don’ts, and any potential hazards. Repetition is key for any new employee learning the ropes, but especially for those workers who are jumping into a new role. Ensure all new hires have the appropriate time and space to practice any safety protocols and consider implementing a safety quiz at the end of a designated orientation period to test retention.

Use the Buddy System

Provide each new employee with a veteran employee buddy. This partnership aims to help the new employee get acclimated more quickly to the new environment. During their time together, the veteran employee can discuss safety concerns and identify potential hazards. As worksites can become overwhelming with the amount of hustle and bustle, it will be critical for the new employee to have a partner who is able to help keep an eye out for them and monitor their safety until they are ready to venture out on their own.

Cultivate a Culture of Safety

Encourage managers and team leaders to commit to safety goals and practice what they preach. Setting an example for employees early means that management must be “all in” on safety. This ensures that employees on all levels understand that safety is a company-wide priority. Building a foundation of safety-focused programs with the goal of keeping claim costs low will be key to solidifying each employee’s connection to the organization.

There are myriad ways to reduce workers’ compensation costs. What will be most important to your organization is taking into consideration the time and resources it will take to efficiently improve this area of your business. Whether your team decides to do this independently or with the help of a vendor like a PEO, it is essential for companies to prioritize this part of their business to reduce risk. 

New Distracted Driving Data Shows Emergency Responders At High Risk

April is Distracted Driving Awareness Month, and the National Security Council (NSC) released new data this week that explores added transportation risks when emergency responders are en route to provide aid. It is clear that the mere presence of emergency personnel on the road can cause distractions for drivers and bystanders. To date, 16 emergency responders have been struck and killed by vehicles this year in the United States.

According to a survey released jointly by the NSC and the Emergency Responder Safety Institute (ERSI), 16 percent of respondents said they either have struck or nearly struck a first responder or emergency vehicle stopped on or near the road. Yet still, 89 percent of drivers say they believe distracted motorists are a major source of risk to first responders.

Key findings included:

  • 71% of drivers take photos and text while driving by emergency responders on the side of the road (this drops to 24% under normal driving conditions)
  • 60% take time to post to social media and 66% email about the situation
  • 80% admit to “rubbernecking” – that irritating, but also risky, practice of slowing down all traffic to get a better look
  • 49% say that possibly being struck by a vehicle is “just part of the risk” of being a first responder

As part of its #justdrive campaign, NSC has developed a free Safe Driving Kit to help employers keep their workers safe and is hosting a webinar on April 23, titled “You’re Not As Safe As You Think You Are,” to educate employers on the real risks of distracted driving and what safety-forward companies are doing to combat them.

“The cruel irony is, we are putting the people who are trying to improve safety in very unsafe situations,” said Nick Smith, interim president and CEO of the NSC. “Our emergency responders deserve the highest levels of protection as they grapple with situations that are not only tactically difficult but also emotionally taxing. Save your communications for off the road; disconnect and just drive.”

Already on the NTSB’s List

Earlier this year, Risk Management Monitor reported on the National Transportation Safety Board’s (NTSB) Most Wanted List of transportation safety improvements for 2019-2020, and “Eliminating Distractions” for all vehicle drivers is at its top.

In 2016, more than 3,100 fatal crashes on U.S. highways were attributed to driving-while-distracted. These crashes involved 3,210 distracted drivers, according to the National Highway Traffic Safety Administration (NHTSA), because some of them involved more than one distracted driver. Furthermore, the Virginia Tech Transportation Institute concluded that commercial drivers are at extremely high risk of a crash when texting—23 times greater than when otherwise engaged.

The NTSB states:

Contributing to the problem is the widespread belief by many drivers that they can multitask and still operate a vehicle safely. But multitasking is a myth; humans can only focus cognitive attention on one task at a time. That’s why executing any task other than driving is dangerous and risks a crash.

Personal electronic devices (PEDs), such as cell phones, are one of the greatest contributors to driver distraction and the NTSB recommends banding all PED use on U.S. roadways. The District of Columbia and 37 states restrict the use of cell phones by novice drivers, and 47 states, DC, Puerto Rico, Guam, and the US Virgin Islands ban text messaging for all drivers.

 

Limit Organizational Exposure During the Polar Vortex

A polar vortex has gripped large areas of the Northern United States, and all-time lows are being approached in parts of Midwest states like Iowa and Illinois. This frigid weather phenomenon is defined by the National Oceanic and Atmospheric Association (NOAA) as a large area of low pressure and cold air that normally surrounds the North and South poles. But during unstable conditions, the Arctic air can expand and drift southward to North America.

The extreme cold has led to several injuries and six deaths, including an auto accident that killed a couple, a man who likely froze to death in his Milwaukee garage and another man struck by a snow plow in the Chicago area.

The weather system has also forced the closure of schools, businesses, flights and even the United States Postal Service in some areas, and warnings are in effect for workers to stay home and keep off the roads.

Driving Tips

Some people must get out and drive, however, and so whether making deliveries, heading to or from work, or running necessary errands, drivers and asked to use heightened caution.

At this time last year when preparing for the “weather bomb,” AAA recommended precautions that can be applied during a polar vortex, including this basic tip: Accelerate and decelerate slowly. Applying the gas slowly when accelerating is the best method for regaining traction and avoiding skids, AAA said, cautioning that it takes time to slow down for a stoplight as it takes longer to slow down on icy roads.

Building Tips

Looking inside your organization’s physical foundation is also critical to its resilience. In addition to clearing snow from driveways and de-icing entrances, organizations should be cognizant of how such brutally low temperatures can impact their workplaces. Interstate Restoration offers tips on how to address a building’s infrastructure during winter weather.

For example, if your pipes are found to be frozen, Interstate Restoration offers suggestions to reduce the likelihood of a burst:

  1. Turn off water to the building at the main water shutoff valve
  2. Inspect the pipe closely for cracks and note any that you find
  3. If you find cracks, call a plumber for advice before doing anything else
  4. If there is no damage present, add a space heater to the area or use a hair dryer to gradually warm the pipe. If the outside temperature is expected to rise, you can also wait for the pipe to thaw on its own before turning the water back on. PROCEED WITH CAUTION: Never use any type of open flame or torch to thaw pipes.

Outdoor Working Tips

The Department of Labor recommends that employees working in frigid temperatures avoid alcohol, smoking and some medications to help minimize risks.

As previously reported, the best way to avoid cold stress is by wearing proper clothing. The type of fabric makes a difference as well. For example, cotton loses its insulation value when it becomes wet, while wool, silk and most synthetics retain their insulation even when wet.

Here are some clothing tips for workers in cold environments:

  • For better insulation wear at least three layers of clothing: An inner layer of wool, silk or synthetic to wick moisture away from the body; a middle layer of wool or synthetic to provide insulation even when wet; and an outer wind and rain protection layer that allows some ventilation to prevent overheating.  Avoid tight fitting clothing.
  • Wear a hat or hood to help keep the entire body warm. Hats reduce the amount of body heat that escapes from the head.
  • Wear insulated boots or other appropriate footwear.
  • Keep extra clothing (including underwear) handy in case clothing gets wet.
  • Do not underestimate the wetting effects of perspiration. Venting of the body’s sweat and heat can be more important than protection from rain or snow, according to the DOL.

The Occupational Safety and Health Administration (OSHA) also issues guidelines, suggesting that heavy work be scheduled for the warmer part of the day, and to assign employees to work in pairs to lessen the risk of cold stress.