Please visit our website at www.kpdinsurance.com
September 2007
In This Issue
- From The President
- Water Damage Claims
- Don't Say Or Email Anything To A Claims Examiner You Don't Want To Read On The First Page Of The Newspaper
- Who Needs Flood Insurance? Everyone!
- Wellness: In Your Company, A New Perspective On Healthcare
From The President
By Jim Ginger
Welcome to our new electronic newsletter! Our aim is to make it easier for you to identify the articles you wish to read by giving you the opportunity to scan the headlines and click on those that pique your interest. As before, the information is intended to be news you can use in your business or life. Our primary distribution will be electronic, but if we get feedback that we need a printed edition as well, we will take a look at that.
Since our last edition, we have done many exciting things...
Click here to see all the exciting things KPD has been doing
By AJ (Anne Johnson)
Hot water heaters blow, dishwasher hoses break, pipes freeze & burst. Water is everywhere….what do you do???
Time is of the essence in water damage claims. It is very important to act promptly. Water can do substantial damage in a very short period of time. Even clean water can generate mildew and other bacterial growth. To read the entire article, click here
Don't Say Or Email Anything To A Claims Examiner You Don't Want To Read On The First Page Of The Newspaper
By Joyce Kostenbauer, RN
Workers’ Compensation Insurance carriers have become increasingly vulnerable to the opening of computer system claims data, emails, and internal work products to workers’ compensation and labor attorneys. Successful requests for the viewing of this important claims management data are increasing, so employer be careful what you say or email to that claims examiner! To read the entire article, click here
Who Needs Flood Insurance? Everyone!
By Lisa Smith
Heavy Rains, a blocked creek, or inadequate drainage can all lead to floods. This can leave you with damaged walls and floors, ruined stock and equipment, drenched carpets and furniture, mud and debris. Flooding is the most common and costly natural disaster. Damage from flood can only be insured by Flood Insurance.
Consider this: Flood can happen anywhere, even in areas no one believes to be high risk. 20% to 25% of all NFIP (National Flood Insurance Program) flood insurance claims are paid to people with property in low-to moderate risk flood zones.
Flood insurance is the best way for home and business owners to financially protect their property and possessions from flooding. An estimated 25% of all businesses never reopen after a local disaster.
Contact our agency for further Flood Insurance information.
Wellness: In Your Company, A New Perspective On Healthcare 
By Stephanie Ferrell
What is Wellness? It is an approach to healthcare that emphasizes preventing illness. It is simply taking a pro-active approach to one’s health vs a reactive approach. Studies show that a healthy employee is worth far more than an unhealthy employee in areas such as increased productivity and attendance, loyalty to their company, longer tenure and overall better morale.
Welcome to KPD Headlines!
Welcome to your first edition of KPD Headlines, KPD Insurance’s quarterly newsletter.
KPD Headlines has been designed to provide you with the latest information about KPD Insurance and to provide information on topics of interest.We would like you to tell us what you think about this issue and what topics you would like to see addressed in the future, to help us make KPD Headlines more useful to you.
E-mail us at kpdheadlines@kpdinsurance.com
We appreciate your feedback.
If you know someone who would like to receive KPD Headlines they are welcome to subscribe here.
On behalf of the staff at KPD Insurance, thank you and we hope you enjoy reading KPD Headlines.Steve Jackson, Editor
If you currently use a "Workers' Compensation Claims Manual" provided by Advantage Health / KPD Insurance you know that periodic revisions are necessary. If you would like online access to your revisions, please email Darius Populin at dariusp@kpdinsurance.com for information.
Did you Know?
• Apples, not caffeine, are more efficient at waking you up in the morning. The natural amphetamines increase alertness more than caffeine.
• The cigarette lighter (1823) was invented before the match (1827).
• Right-handed people live, on average, nine years longer than left-handed people do. More than 2500 left handed people are killed every year from using right handed products.
• Walt Disney was afraid of mice.
By Robert Paskins
