There has been a lot of interest in Metropolitan’s Accelerated Claim Closure (MACC) program where we cut costs and significantly improve the claim closure timeframe. Under this program, we perform the site delineation and remediation in less than one year from discovering the property damage.
The key to the success of this program is for Metropolitan to perform the delineation and remediation of the release. The reason is very simple: the earlier the site damages are delineated and the earlier the source area is treated, the faster the site is being cleaned up. This accelerated claim closure results in significant cost savings to both the insurance company and the insured.
Framing of the issue
We have observed at too many sites that the delineation of the property is being delayed due to property access issues. At many other cases, the consultant had incorrectly estimated the direction of the groundwater; or forgot to assess the accumulation of oil in foundation drains and other conduits.
At other sites, the oil contamination rebounded, despite the excavation of significant amount of soil, suggesting that a source of oil was not properly delineated. All these deficiencies resulted in increased costs and delayed claim closure.
The MACC process
Metropolitan’s Accelerated Claim Closure professionals use a systematic process, which includes extensive background investigation and file review, focused delineation plans with completion date, and remedial action plans with target closure dates. The primary objectives of accelerated claim closure are to close the claim within the target date and/or mitigate the claim’s ultimate cost.
Metropolitan’s Accelerated Claims Closure offers a focused approach with a multi-year track record of delivering proven results. We have been able to achieve almost 100 percent claim closure rates and savings off those closures in excess of 40% from the outstanding reserves.
How does the MACC process works
Unfortunately, the crucial error committed by consultants or contractors is the failure to realize that oil will partition into four (4) phases upon entering the subsurface environment:
· Dissolved phase;
· Vapor phase;
· adsorbed phase and
· Non-aqueous phase liquid (NAPL)
When comes to a fuel oil release, the effectiveness of any investigation and/or remediation plan is dependent on the accuracy of the calculations of the distribution of the oil in these four phases. This is the key to the MACC process.
For example, home heating oil is very slightly soluble in water (the average solubility of diesel fuel in water ranges from 3 mg/L to 60 mg/L). It also has moderate to low volatility. The low solubility and low volatility properties of the home heating fuel oil mean that the majority of the released mass will be present in the adsorbed or residual/free-phase form. This it turn means that a cost effective remedy should focus on treating the adsorbed or residual mass of the oil. Delineating and/or treating the dissolved portion of the plume without properly evaluating the source area mass, has been the root cause of many delays and cost overruns.
For more information about our MACC program, please contact us at metroforensic@gmail.com or call us at (973) 897-8162.
Mission Statement
Our mission is to work as an extension of our clients to expeditiously achieve the most economically favorable resolution of claims on their behalf and on behalf of their insured. We have developed and will continue to create new solutions to the technical problems and issues which are facing the insurance industry today.
Metropolitan provides forensic engineering work (age-dating or fingerprinting), site delineation and remediation, auditing, cost control and litigation support services to insurance carriers. In its site remediation role, Metropolitan designs and implements cost-effective solutions to repair the insured’s property.
In its risk management role, examines, manages and audits environmental claims to ensure that assessment and remediation services provided to both carriers and policy holders are reasonable and necessary, properly rendered and appropriately charged.
In its litigation support role, Metropolitan assists carriers and their counsel to ensure that litigious disputes are resolved fairly and reimbursement benefits are provided when appropriate.
Performance Guarantee
At Metropolitan, we are committed to the excellence of our services, timeliness of the deliverables (either oral or written), cost-effectiveness of the work, performance of our remediation systems and to the quality of our relationship with you and all of our clients. If you are dissatisfied with the performance of any of our services, expert reports or remediation systems, we will make things right—or we will not bill you for our services. Guaranteed.
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Metropolitan Engineering, Consulting & Forensics (MECF)
Providing Competent, Expert and Objective Investigative Engineering and Consulting Services
P.O. Box 520
Tenafly, NJ 07670-0520
Tel.: (973) 897-8162
Fax: (973) 810-0440
E-mail: metroforensics@gmail.com
Web pages: https://sites.google.com/site/metropolitanforensics/
https://sites.google.com/site/metropolitanenvironmental/
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