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Disaster Advice Glossary
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Disaster recovery and restoration can be veiled in mystery to the many who have not undertaken specific training. This glossary explains technical terms to assist both report writing and the understanding of those technical terms so often misunderstood.
Definitions
| Accident: |
A sudden unexpected event, identifiable in terms of time and place, that results in personal injury or property damage. |
| Competent Person: |
In referring to employees in potentially hazardous work environments, OSHA defines a competent person as one who knows the hazards existing or likely to exist; the competent person knows how to control or eliminate those hazards; and that person has been given the authority to correct the hazards promptly, and does so. Education Note: In speaking with OSHA consultation, and reading from safety bulletins, such as produced by the American Society for Concrete Construction, called Safety Alert #18, competent person(s) may be the most misunderstood and misused expression in company safety management programs. This assignment as the most competent person is usually given to first-line supervisors in most companies. In my own personal survey of 29 southern California water and fire damage remediation contractors, who know me and trust our company, they named their most competent person as a manager. Yet in almost all instances, that (competent person) manager, was not responsible for the interaction or teaching to employees the knowledge he or she has attained. OSHA is also concerned that the primary or most competent person is not on the jobs where accidents and injury occurs. The assignment as the companies designated competent person must be given to the front line hands-on manager(s) who look out for the welfare of the employer and employees. |
| Coverage-C Personal Property: |
In insurance terms, the insurance policy typically covers personal property owned or used by an insured while the contents are in the possession of the insured, and personal property located on the insured's property. In some personal property schedules, the personal property may be protected any where in the world, as long as the personal property can be shown to be owned and in possession of the insured at the time of a claim. Education Note: Coverage for accidental direct physical loss to property contained in a building must usually be caused by one or more of the following events: 1) Fire or lightening; 2) Windstorm or hail; Water damage, if sudden or accidental; Explosion; Smoke, if sudden or accidental; Vandalism; Theft. In each of the above named perils, there can be limitations and exclusions. |
| Occurrence: |
An accident including exposure to conditions which result during an insurance policy period in bodily injury or property damage. Repeat or continuous exposure to the same general conditions is considered to be one occurrence. Insurance Note: Occurrence does not include accidents or events which take place during the insurance policy period which do not result in bodily injury or property damage until after the policy period. |
| Uncontrolled Release: |
An uncontrolled release is the accidental release of a hazardous substance from its container. If not contained, stopped, and removed, the release would pose a hazard to the employees in the immediate area or in areas in the path of the release, or from its byproducts or its effects (such as toxic vapours, fire, over-pressurization, toxic gases, or toxic particulates. |
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The Disaster Advice Glossary operates on TechMerit Technoloy.
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