Articles by S. Carl Morello

Building Updates: Aging HVAC and Roofing Systems

The Agent’s Role as Advisor and Risk Manager Editor’s note: This is the last of a three-part series to explain insurers’ requirements for building updates and to help agents advise clients on mitigating risks inherent in older buildings. The first …

Building Updates: Aging Plumbing Systems

The Agent’s Role as Advisor and Risk Manager Editor’s note: This is the second of a three-part series to explain insurers’ requirements for building updates and to help agents advise clients on mitigating risks inherent in older buildings. The first …

Building Updates: Aging Electrical Systems

The Agent’s Role as Advisor and Risk Manager Editor’s note: This is the first of a three-part series to explain insurers’ requirements for building updates and to help agents advise clients on mitigating risks inherent in older buildings. Later articles …

Continuing Financial Crisis Leads to Vacant Properties, Vulnerable to Vandalism, Metal Theft

Brooklyn, N.Y. — Thieves who broke the locks on an unoccupied apartment building stripped the entire building of its copper piping, valued at more than $30,000. Las Vegas — The entire electrical system, including copper wire and switch gear, was …

Foreclosures, Vacant Properties Increase with Continuing Financial Crisis

Properties Vulnerable to Vandalism, Theft In communities across America, several factors have combined to create a “perfect storm” of property risk. Growing numbers of foreclosures are leaving scores of residential and commercial properties vacant, and fiscal pressures mean many communities …

Cleanliness is Key to Preventing Hot Tub Claims

Proper risk management includes daily inspections, regular cleaning, usage policies and water tests Hot tub operators are reporting an increasing number of “hot tub rash” claims from people using their equipment. Although the rash is not a serious threat to …

The bed bugs are coming! The bed bugs are coming!

Prevention and response to outbreaks can save a hotel’s reputation while warding off litigation In the past half dozen years, reports and statistics about a global resurgence of bed bugs have alarmed hoteliers and their guests. The resurgence has been …

A closer look at risk management for habitational risks

Effective management and maintenance tips to help clients avoid major losses Habitational properties — apartments, condominiums, hotels, motels — present similar property and liability risks, including fires, slips and falls, and water damage. These concerns can be addressed with effective …