Overview – Expert Consulting, Claim Validation & Cost Analysis

The variety of professional accounting and business backgrounds, formal education and training, building science, engineering and technical expertise in the construction and remediation industries combined with dispute resolution, litigation support and expert testimony provides our insurance clients with a diverse and defensible array of claims consulting services. BHS delivers credible, data-driven evaluations of complex environmental claims.

Services

• On-site assessment, validation, and analyses of: Covered Cost activities, remediation and restoration scopes-of-work
• Large Scale Environmental Claim Analysis and Management – Mold, Moisture, Asbestos, Legionella, Ebola
• Cause and Origin Determinations / Construction Defect Expertise
• Moisture Intrusion and Mold Investigations
• Claim analysis and supporting documentation review
• Validation of reasonable and necessary labor, material, subcontractor and/or equipment costs.
• Extremely detailed reports to support findings, recommendations and conclusions regarding financial analysis of the claimed costs and root cause(s).
• Fast report preparation / Communication with expert author always available
• Expert Qualifications: Litigation Support, Deposition and Trial Testimony

The value of our independent, third-party claims management services is reflected in the cost-savings and resolution of environmental claims submitted to our carrier clients.

Why BHS?

As independent third-party subject matter experts, carriers rely on our expertise to:

• Defend against inflated or unjustified claims
• Separate covered damages from unrelated or pre-existing conditions
• Determine reasonable and necessary claimed costs
• Reduce claim exposure and improve resolution timelines

Examples of our Work: BHS in Action

Legionella – Healthcare Campus

Engaged by the carrier for immediate onsite response to a nationally acclaimed hospital facility following a Legionella outbreak and involvement of the State Department of Health.

• Hospital water system disinfection oversight at three separate water main entry points to the hospital
• Reported risk control activities to the carrier
• Participated in Long-term prevention strategy development
• Claimed cost monitoring and documentation
• ASSE 12080 Legionella Water Safety & Management Specialist

Mold – 24-Story High-Rise Residential

Investigated moisture intrusion and mold in 172 of 340 units in a new construction tower.

• Delivered cause and origin analysis for claim coverage determination by carrier
• Differentiated policy-covered mold damage from unrelated, latent building defects
• Estimated actual covered cost exposure based on BHS’ adjusted, focused remediation parameters
• Magnitude of initial claimed costs significantly reduced

Mold – Historic 400-Room Hotel Renovation

Engaged for an initial assessment after the discovery of mold during a hotel renovation followed by progress monitoring inspections:

• Tracked remediation progress floor-by-floor for project duration
• Reduced claimed costs to the damage applicable solely to the mold pollution condition versus the submitted original renovation contract scope of work with overlapping tasks.
• Analysis of vacancy patterns and time frames impacted by remediation compared to the original renovation construction schedule, reducing the claimed business interruption loss of revenues.

Multi-Family Complex – Expert Testimony & Claim Dispute

Disputed multi-million-dollar mold and water damage claim on a 280-unit Midwest multi-family complex.

• Differentiated remediation vs. reconstruction vs. structural defects for to assist carrier in determining the respective policy coverage
• Calculated business interruption lost revenue related strictly to the mold pollution event
• Delivered full expert analysis in pre-mediation meetings with coverage counsel
• Participated in 3-day mediation with carrier, coverage counsel, and legal team