CE Class details available here!
NBD International Inc

Attention Insurance Industry Professionals – Free CE at NBD!

Date: Feb 02nd, 2017

NBD International supports our Insurance Industry partners by providing free Continuing Education Classes for Ohio Insurance Professionals.

Classes are held eight months out of each year (February-June and September-November) at NBD’s Ravenna facility.  Each class earns the attendee 3 Hours of CE Credit and Lunch is on us!

 

Here are some details on a few of our upcoming classes;

Continuing Ed, CE, Insurance Professionals, FREE

 
Need to meet your CE Requirements for 2017?  We’re here to help!  For additional information or to register for a class click here NBD Continuing Ed 2017 .

NBD 2017- The Road Ahead

Date: Jan 31st, 2017

Welcome to 2017!

As we close out the first month of 2017, NBD International’s President, Jack Schwartz reflected upon the past year and shared his thoughts about what lies ahead for 2017.

In 2015, NBD’s Management team, determined to believe in the dedication and longevity of our staff and company values, believed that “The Insurance Restoration Marketplace” was about to enter a period of restructuring, regarding how vendors and insurance companies would service their policy owner claims. Therefore, contrary to prevailing logic, the company and assets were not sold, and Jack Schwartz and Mickey Bodi chose to delay retirement in hope that the management team and staff could be equipped for this exciting and ever challenging restoration marketplace.

How NBD is Changing

Throughout 2016, NBD International was challenged from within, and with new jobs. The challenge was to add to our specialty services, water mitigation and reconstruction required by the restoration market place transforming into wanting “single source solutions”. The demands placed upon those working in the restoration industry have become very demanding. As a result, many companies in our market have or are closing. During 2016 NBD spent made the investment to join and become a part of four new market initiatives to develop additional new business sources.

We’re up to the Challenges of 2017

2017, holds new and adventurous opportunities. The transforming insurance and restoration demands will be a part of the challenge. Having participated on a national platform, with the transformation that took place within the banking and utility industries 80’s, Jack Schwartz says, “I can assure you that the companies, like Cisco Systems, who prevailed and had high market credibility did very well”. There will be new opportunities as we meet the challenge to prevail and do well this year.

On behalf of Jack, Mickey and the entire staff at NBD International, we wish for each of you a successful and safe New Year. We also thank each of our customers for your faith, loyalty and business throughout 2016.

2017 is looking strong!

Your Home – Your Coverage – What you Need to Know

Date: Dec 27th, 2016

Protecting your home is about more than the financial aspects. It’s also about having a sense of security if your home is affected by a disaster.  Regaining your stability is what you’ll most need to focus on – and the last thing you’ll want to worry about is money.

Knowing that you’re covered if something should happen to your home will not only give you peace-of-mind now, but also in the event of an actual disaster.  Here are some things to keep in mind.

 

 

What Is Typically Covered – Damage to your property/possessions in the event of;
  • Certain Storms
  • Fire
  • Theft
  • Vandalism
  • Liability coverage (If someone is injured on your property)
  • Shelter costs (If you’re temporarily displaced from your home)
  • Property stolen from your car or while traveling
What Isn’t Covered – Standard policies typically exclude
  • Earth movements (landslides, earthquakes, sinkholes)
  • Power failure
  • War, nuclear hazard, government action
  • Faulty zoning
  • Bad repair or workmanship
  • Defective maintenance
  • Windstorms/Tornadoes (may exclude tornadoes/hurricanes in some high-risk areas)
  • Water
    Usually Covered: Coming from above (Rainwater/burst pipe)
    Usually NOT Covered: Coming from below (backed-up sewers, ground flooding)
Shop Around – Not for just a policy, but for an agent you can trust
  • Look for good reviews online
  • Get a personal recommendation
Preventive Actions Can Reduce Premiums – Some things to Consider
  • Working smoke detectors
  • Deadbolt Locks
  • Security Systems
  • Fencing and covers around pools/spas
Know the Difference – “Replacement Cost” vs. “Market Value”
  • Replacement cost covers repairing or replacing your entire home.
  • Market value is how much someone would pay to buy your home and accompanying land in its current downtrodden condition.
  • A policy based on market value is typically less expensive and offers the best chance to recoup at least partial expenses after a loss, but you won’t recoup as much in the event of a serious disaster.
  • For those who have a good emergency fund established, consider a policy that covers more in terms of replacement/rebuilding your property but with a higher deductible
Time is of the Essence – Don’t Wait to file your Claim
  • Know what the time limits are to report a claim and abide by them
  • Coverage may be denied if waiting has made the problem worse
Write it down – Good Record Keeping is Important
  • Failing to keep good records can result in a claim being denied
  • Document everything that occurs during a loss such as;
    • When the loss occurred (date &time)
    • What property was damaged
    • What initial mitigation/clean-up was done and by who
    • Receipts, contracts and appraisals
    • Phone calls including who you spoke to and when
Maintenance Matters
  • Insurance companies would rather pay as little as possible to repair damage
  • Pay for routine checkups for things like your roof and heating and A/C systems
  • Keep an eye on your water bill: an unusual upward spike could signal a leak

 More detailed information can be found here 11 Tips every homeowner needs to know about Insurance – By Allison Kade

 

Emergency Services, Fire, Water, Mold, Odor, Removal, Smoke, 24/7

Healthy Holidays – Food Safety

Date: Dec 20th, 2016

 
Whether you’re bringing a dish to share at a holiday gathering, planning a cozy holiday meal at home, or entertaining a large number of family and friends this holiday season, a food borne illness isn’t a gift you want to give!  Here’s a reminder to practice good food safety techniques.

The U.S. Department of Health and Human Services is a great source for holiday food safety tips. Here are a few:

 

 

 

Steps to follow during holiday grocery shopping:

  • Keep raw meat, poultry, and seafood away from other foods in your grocery cart.
  • Buy cold foods last.
  • Ask the cashier to place your raw meat, poultry and seafood in a separate bag.

Steps to follow during food preparation:

  • Use separate cutting boards for raw meat and ready-to-eat items like vegetables or bread.
  • Prepare uncooked recipes before recipes requiring raw meat to reduce cross-contamination. Store them out of the way while preparing meat dishes to ensure they don’t become contaminated after preparation.
  • Use a meat thermometer to check the internal temperature of dishes to ensure they are fully cooked and safe to eat. Fresh beef, pork, veal, and lamb should be cooked to 145 ˚F with a three minute rest time; fish should be cooked to 145 ˚F; ground beef, veal and lamb should be cooked to 160 ˚F; egg dishes should be cooked to 160 ˚F; and all poultry should be cooked to 165 ˚F.

You can find additional holiday food safety tips by clicking here.

Pricing – Unraveling The Valuation Process

Date: Nov 17th, 2016

If your home or business has been affected by an event that results in a personal property loss (what’s contained in your home, office or business structure), you may hear and see some unfamiliar terms when it comes to determining what that property is worth.  We’re here to shed a little light on the  process of pricing and determining that value.

ACV, RCV and Depreciation – What Do They Mean?
Evaluating RCV,  ACV and recoverable depreciation is an important part of expediting your insurance claim.  Here’s a little bit of help to make sense of it all.

 

 

  • Actual Cash Value (ACV): Equals Replacement Cost Minus Depreciation
  • Replacement Cost (RCV): The actual cost in today’s dollars to repair or replace an item to pre-loss condition.
  • Depreciation: The deduction based on the age and useful life of that item(s)

How Are these Values Determined?

  • A physical inventory (capture the contents) is performed onsite after a loss
  • Work together with the home/business owner to recreate an inventory of contents that were too damaged to physically inspect or evaluate.
  • Collaborate to create a contents list inventoried by the homeowner.

Once you’re ready to start replacing the contents, a pricing specialist will work directly with you to track replacement items and recommend to the insurance company the recoverable depreciation that can be paid.

Being Prepared for the Worst

We talked earlier this month about creating a home inventory, and of course business owners should do the same.  Having a current list of items, you own will go a long way toward facilitating the valuation process.


Why Call NBD International?

  • Our experienced staff will work with you and your insurance Pricing
    company to ensure proper documentation of your personal property inventory.
  • During the evaluation process, your contents will be assessed to ensure that the value of the loss is assigned under the appropriate coverage and work with any limitations, special coverages or scheduled items.

Experiencing a Loss?  We Can Help!
Call us Today – 800.929.3398 – 24/7

‘Tis the Season – Happy Holiday Safety Tips

Date: Nov 15th, 2016

Thanksgiving – the official kick-off to the Holiday Season is just a week away!

As we’re consumed with cooking, decorating, gift giving, parties and all that goes with this festive time of year –  keeping safety in mind can help to keep your holiday’s Merry and Bright!

Below are a few statistics and links to helpful articles and websites that can help you ensure your family and friends have not only a joyous holiday season – but a safe one as well!

Turkey Fryers:  The Consumer Product Safety Commission reports that 672 people have been injured and $8 million in property damage losses have resulted from these incidents involving Turkey Fryers.

Candles and Fireplaces:  About 2,200 deaths were caused by fires, burns and other fire-related injuries in 2013, according to Injury Facts 2015, and 12% of home candle fires occur in December.

Decorations:  An estimated 15,000 injuries involving holiday decorating were seen in emergency rooms during the 2012 season.

Gifts: We’ve all heard it’s important when choosing toys for infants or small children to avoid small parts that can be pulled or broken off and might prove to be a choking hazard.  And who can forget the Hoveboard issues that were all over the news last holiday season (exploding units and various injuries)! Here are some additional gift-related safety tips you might not have heard about;

REFERENCE:
PRNewswire
National Safety Council
Consumer Products Safety Commission – On Safety Blog
National Fire Protection Association

 

High-End Content – Don’t assume it’s Forever Lost

Date: Nov 11th, 2016

The loss of an investment piece or family heirloom can be both costly and heartbreaking. Valuable furnishings, various collections (coins, paintings, sports memorabilia) and textiles are some examples of items that require special care and handling during the restoration process.   Finding a service provider who has specialized and reputable experience in high-end content restoration is essential to protecting your investment.

 

 

 

Fine Arts, Antiques and Textiles
These items require extra care. Many hold memories, family heritage or substantial investments. A variety of Fine Art items can be restored, repaired, and cleaned including oil paintings, works on paper, textiles, ceramics, porcelains, and metalwork. There is a range of restoration available from minimal touch-up to museum quality.

Antique and Fine Furniture
Ensuring the functionality of the pieces while preserving its
historical integrity is key.  The goal is to give each piece the appearance that it has been well-maintained its entire life. Restoration techniques are tailored to the individual object, placing special emphasis on structural stability and aesthetic appeal in order to ensure the preservation and functionality.

High End Content Restoration

 

Furniture, High End, Valuable, Restoration

 

Textiles
Textile Restoration covers a wide range of fabric and fiber-based items which include tapestries, embroideries, flags, samplers, costumes, quilts, and weavings. After careful evaluation, restoration is completed, using appropriate methods and materials for the medium.

Textile, Quilts, Restoration

 

If you experience a loss of this type, here are some things you can do initially;

  • Take action as soon as possible – early response can help to reduce additional damage and cost
  • Provided you are knowledgeable about their handling, remove the items from the damaged area, especially in cases of fire or water damage. If you’re unsure about their handling contact a reputable restoration company or conservator who can guide you
  • Never assume the object is a loss – have it evaluated as soon as possible

Textiles, Quilts, RestorationWhy Call NBD International? 

  • We’re Passionate about the work we do
  • We are sensitive to the confusion and worry that a loss can create
  • We treat your home and property as if they were our own.
  • We specialize in handling claims other restoration companies turn away.
  • We do the “Hard Stuff” better than anyone else 

Experiencing a Loss?  We Can Help!
Call us Today – 800.929.3398 – 24/7

 

Media Restoration – All May Not be Lost

Date: Nov 10th, 2016

We often take for granted the vast amount of media we use to store information – that is of course until something happens to prevent us from accessing that information.  Whether it be business or personal records, family photographs, artwork or a number of other items – losing any form of media as result of a disaster event can be devastating.

Today, most people think in terms of digital data storage such as computers, memory cards, flash drives and cloud storage as where their precious and important information is stored.  But a great deal of information and memories still exist in printed photographs, printed material, analog recording and microfilm.

During recovery from a disaster, it can be important to recover the information held in various media.  We live and die by our computer records it seems, and while the recovery of this information is important and often crucial (especially for a business), it’s the more tangible, hold it in your hand, type of media that are often considered irreplaceable when damaged in a fire, flood or other loss.

Not necessarily…

Some examples of items that can often be recovered after exposure to water or fire include;

  • Books
  • Photographs
  • Microfilm
  • Audio Tape
  • Legal Documents
  • Medical Records

Below is a Family Bible restored by the technicians here at NBD International aka NE Ohio DKI;

Media Restoration, Book

While there is no guarantee, careful evaluation, proper technique and diligent attention to detail can many times restore certain media to pre-loss condition. Items like these can hold significant emotional and well as financial value, because they typically contain historical information that cannot be reproduced that are important to an individual or organization.

Recently our technicians completed a job for a University whose microfilm library experienced damage due to flooding.  Their microfilm collection was carefully inventoried and brought back to NBD’s facility for restoration – CLICK HERE TO WATCH THE VIDEO


Why Call NBD International?

  • Media Restoration, MicrofilmWe’re Passionate about the work we do
  • We are sensitive to the confusion and worry that a loss can create
  • We treat your home and property as if they were our own.
  • We specialize in handling claims other restoration companies turn away.
  • We do the “Hard Stuff” better than anyone else

Experiencing a Loss?  We Can Help!
Call us Today – 800.929.3398 – 24/7

 

 

Business Impact – In Case of Emergency: Are You Prepared?

Date: Nov 09th, 2016

If you’re a business owner, you know that the decisions you make are far reaching.  They affect not only you, but your employees and customers as well.  Though it’s not something anyone likes to think about, every business runs the risk of being struck by disaster.  Having a disaster recovery plan in place is not only smart, but could be crucial to the survival of your organization.

The Federal Emergency Management Agency (FEMA) has reported that Forty percent of businesses do not reopen after a disaster, and another 25 percent fail within one year.  If that’s not enough to convince you, similar statistics from the United States Small Business Administration indicate that over 90 percent of businesses fail within two years after being struck by a disaster.

So if you haven’t put a disaster recovery plan in place it’s something that should be on the top of your “To Do” list – preparemybusiness.org is an excellent place to start.  You’ll find valuable information to help you put a plan together that can mean the difference between having to shut down for a period of time and keeping your doors open.

 What if the unthinkable happens?

 No matter how well you’ve planned ahead, putting your business back together following a disaster can, and probably will be, overwhelming and knowing where to start can be the most difficult thing to determine. We found some great information in a series of seven articles provided by the Missouri Business Development Program .  In Part 1 “Where to Begin”, you’ll find some initial steps to take immediately following a disaster.  The remainder of the series provides additional information to help business owners recover and rebuild following a disaster.

Sources:
https://missouribusiness.net/article/recover-rebuild-disaster1-where-to-begin/

https://www.chamber101.com/2programs_committee/natural_disasters/disasterpreparedness/Forty.htm


 

Prepared, Emergency, PlanNBD International aka NE Ohio DKI
is Happy to Assist in your
Disaster Recovery Planning

 Customized to Your Facility • Step-by-Step Guide
Key Personnel • Contact Listings
Location of Important Documents
 Call us Today!  800.929.3398

Just in Case – Creating a Home Inventory

Date: Nov 08th, 2016

We’d all like to think that it will never happen to us.  But in the blink of an eye, our lives can be turned upside down by a fire, flood or natural disaster.  While we all hope for the best, preparing for the worst before it happens can help ease the difficulty in the clean-up and restoration of your property should a disaster strike your family.

One of the best ways you can prepare is by taking the time to create a home inventory.  A home inventory is simply a list that includes all the items in your home.  An inventory is a crucial part of helping you to quickly settle an insurance claim, especially If you own valuable items like jewelry, antiques, or collectibles.  The Insurance Information Institute suggest the following steps for creating a home inventory;

 

 

 

  • Don’t be put off:  If you are just setting up a household, starting an inventory list can be relatively simple. If you’ve been living in the same house for many years, however, the task of creating a list can be daunting. Still, it’s better to have an incomplete inventory than nothing at all. Start with recent purchases, then try to remember what you can about older possessions.
  • Big ticket items:  Valuable items like jewelry, art work and collectibles may have increased in value since you received them. Check with your agent to make sure that you have adequate insurance for these items. They may need to be insured separately and it is important that your insurance company know about these items before there is a loss.
  • Take a picture: You can also take pictures of rooms and important individual items to have a visual record of your belongings. On the back of the photos, note what is shown and where you bought it or the make. Don’t forget things that are in closets or drawers. If you use your phone or a digital camera, you may also be able to add a description of the item when saving the photo.
  • Videotape it:  Walk through your house or apartment videotaping and describing the contents.  This can be useful for items such as clothing or kitchenware. You can simply open a kitchen shelf or closet and describe the contents. For instance, in the kitchen, it would be sufficient to state that you have a set of dishes for 12 that includes a dinner plate, salad plate, etch with when and where it was purchased
  • Create a digital record:  Use your computer or mobile device to make your inventory list. There are many software options and mobile apps that can help you create a room-by-room record of your belongings. To make creating your inventory as easy as possible, the I.I.I. offers Know Your Stuff® – Home Inventory tool, which includes secure online storage so you can access your inventory anywhere, anytime.
  • Storing your list:  Regardless of how you do it (written list, photos, computer hard drive, flash-drive, or in the cloud), keep a record of your inventory. If it is a physical document, store it along with the receipts in your safe deposit box or at a friend’s or relative’s home. If it is a digital file, make sure to back it up and keep a copy on an external drive or online storage account. That way it will be easily available to give your insurance representative if your home is damaged. When you make a significant purchase, add the information to your inventory while the details are fresh in your mind.

A little bit of time spent on a home inventory now will give you and your family some peace-of-mind should you be faced with an unexpected disaster event.

Why Call NBD?

  • ContentsWe’re Passionate about the work we do
  • We are sensitive to the confusion and worry that a loss can create
  • We treat your home and property as if they were our own.
  • We specialize in handling claims other restoration companies turn away.
  • We do the “Hard Stuff” better than anyone else

Call us Today – 800.292.3398

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