Richard Spreeman

Richard Spreeman
Property Loss Professional/Project Manger, Estimator Design/Builder

Welcome

To contact Richard Spreeman PCLS in the U.S., please dial 713-294-6400 on my cellular telephone or at my office 713-688-8024 at my office.

Knowledge, Skills, Abilities

My photo
Houston, Texas, United States
Background in commercial renovation, design build construction; training: applied sciences; elements of safety, property claims law, insurance claims operations, project management estimating, customer service and information as it pertains to property insurance and largle loss claims management. Currently, active in property claims insurance mediation, umpire, appraiser. Certified through (Better Business Bureau of Houston)training with AA White Dispute Resolution Institute) Society of Claims Law Associates, American Society of Appraisers; Has handled many property losses in excess of $ 15 million dollars, most recently managed large losses throughout the Gulf Coast, of notoriety was a Major Casino and landmark in the Gulf Coast. This loss involved multiple perils, wind, flood, lightning, tornado. Extensive knowledge handling difficult claims with multiple perils, and primary and excess cariers. If you need consulting work on your large loss, mitigation, project management, estimating, adjusting, you have come to the man with the plan.

Tuesday, June 10, 2008

Project Manaement (3) Story Office Building

"Three-story Office Building (76,000 square feet)" "7,937.6h"
General Conditions 201.6h
Receive notice to proceed and sign contract 24h
Submit bond and insurance documents 20h
Prepare and submit project schedule 20h
Prepare and submit schedule of values 17.6h
Obtain building permits 32h
Submit preliminary shop drawings 80h
Submit monthly requests for payment 8h
Long Lead Procurement 960h
Submit shop drawings and order long lead items - steel 80h
Submit shop drawings and order long lead items - roofing 80h
Submit shop drawings and order long lead items - elevator 80h
Submit shop drawings and order long lead items - plumbing 80h
Submit shop drawings and order long lead items - electric 80h
Submit shop drawings and order long lead items - HVAC 80h
"Detail, fabricate and deliver steel" 480h
Mobilize on Site 100h
Install temporary power 16h
Install temporary water service 16h
Set up site office 26.4h
Set line and grade benchmarks 24h
Prepare site - lay down yard and temporary fencing 17.6h
Site Grading and Utilities 360h
Clear and grub site 24h
Stone site access and temporary parking area 16h
Rough grade site (cut and fill) 40h
Install storm drainage 80h
Install exterior fire line and building fire riser 80h
Perform final site grading 80h
Erect building batter boards and layout building 40h
Foundations 332h
Excavate foundations 40h
Excavate elevator pit 16h
Form column piers and spread foundations 32h
Rough-in electric and plumbing in elevator 64h
Form elevator pit walls 32h
Set reinforcing and anchor bolts 32h
Pour column piers and foundations 40h
Pour concrete elevator walls 8h
Cure elevator wall concrete 5.6h
Cure piers and foundations 5.6h
Strip wall forms 0.8h
Strip column piers and foundation forms 24h
Install pneumatic tube in elevator pit 24h
Prepare and pour concrete floor in elevator pit 8h
Steel Erection 328h
"Erect steel columns, beams and joist - 1st and 2nd floors" 80h
"Erect steel columns, beams and joist - 3rd floor and roof" 80h
Install miscellaneous iron and bracing - 1st and 2nd floors 60h
Install miscellaneous iron and bracing - 3rd floor and roof 60h
Install stairs and miscellaneous iron railing 40h
Touch-up paint on steel 8h
Form and Pour Concrete - Floors and Roof 600.88h
Form 2nd floor including all floor openings 48h
"Install rebar and in-floor utilities (including mechanical, electrical, plumbing)" 39.6h
Pour 2nd floor slab 32h
Cure 2nd floor slab 5.6h
Strip forms from 2nd floor slab 16h
Form 3rd floor including all floor openings 28h
"Install rebar and in-floor utilities (including mechanical, electrical, plumbing)" 39.6h
Pour 3rd floor slab 32h
Cure 3rd floor slab 5.6h
Strip forms from 3rd floor slab 16h
Form roof slab including all floor openings 48h
"Install rebar and in-floor utilities (including mechanical, electrical, plumbing)" 39.6h
Pour roof slab 32h
Cure roof slab 5.6h
Strip forms from roof slab 16h
Form 1st floor 32h
Install electrical underground 40h
Install plumbing underground 40h
Install rebar and in-floor utilities 31.68h
Pour 1st floor slab 32h
Cure 1st floor slab 5.6h
Strip forms from 1st floor slab 16h
Carpentry Work 120h
Install exterior sheathing and metal studs 120h
Masonry Work 656h
Rough-in plumbing at toilets and masonry walls 160h
"Lay masonry at core, mechanical, and toilets" 160h
Install exterior masonry work 200h
Install roof drains 16h
Install tile in toilet rooms 80h
Clean masonry 20h
Clean toilet room tile 20h
Roofing 208h
Install flashing at parapet walls 32h
Pour lightweight concrete roof fill 16h
Install seamless roofing material 40h
Spread stone ballast on seamless roof 40h
Set rooftop equipment 80h
Window wall and store front closures 600h
Install window wall aluminum and glass 200h
Install interior stud walls and drywall 200h
Install interior doors and hardware 80h
Install store front doors and hardware 120h
Building Finishes "1,200h"
Install millwork and wood trim 120h
Paint walls and woodwork 160h
Install conduit at ceiling plenum space 120h
Install duct in ceiling plenum space 120h
Install ceiling grid 80h
Install ceiling tile 80h
Hang wallpaper 80h
Install building carpet 160h
Install hardware and accessories 120h
Complete interior and exterior sod and plantings 80h
"Pave, curb, and stripe parking lot" 80h
Elevators 320h
Set elevator equipment in shafts 160h
Set equipment in mechanical room 80h
Test and align doors and equipment 80h
Plumbing 440h
Rough-in plumbing in drywall walls 160h
Tie-in fire line riser and set valves 80h
Set plumbing fixtures and trim 120h
"Flush, test, and clean piping and fixtures" 80h
Electrical 656h
Rough-in electrical in masonry walls 160h
Rough-in electrical in drywall walls 160h
Pull wire in conduit and set area transformers 120h
Install and terminate electrical devices 120h
Make electrical terminations for HVAC equipment 16h
Install light fixtures - test and clean 80h
Heating and Ventilating - AC 600h
Set equipment in mechanical room 80h
Rough-in mechanical in masonry walls 160h
Rough-in mechanical in drywall walls 80h
Install duct in building chase 120h
Set HVAC trim and test and balance system 160h
Final Clean-up and Occupancy 96h
Install hard tile flooring in common areas 40h
Clean hard tile floors 16h
Remove debris from building and do final clean-up 32h
Substantial completion date 8h
Complete Final Inspections 48h
Complete elevator inspection and certification 24h
Perform architect's inspection 8h
Perform local building agency inspection 8h
Perform Fire Marshal's inspection 8h
Complete punch list items from all inspections 79.2h
Obtain certificate of occupancy 16h
Issue final completion documents including warranties 8h
Issue final request for payment 7.92h

Wednesday, May 28, 2008

911 Property Solutions

When the economy is at a lull, it is time to fix, change, build, and maintain.
Our service is offered in package form. These are packages which we perform regularly in modifying our customers environment. Our packages will add value to your home living environment, reduced overall costs, and added resale value. We offer five packages to serve your needs:

1. Maintenance package, provides for a thorough inspection of, HVAC, Water Heater, Electrical box, Gutters, Drainage, Roof resiliency, House paint, moisture on the interior, Trees hitting house, AC vents, faucet screens, varmin inspection; attic, and soffit, foundation shifting.

2. Energy package, light weight fiberglass shingles, 5/8"cool ply-plywood roof decking, 8" thick attic insulation, wall insulation, argon gas- thermal pane windows, and evaluation of exterior wall material.

3. Real-estate home sale package: appliance replacement, renovate cabinets or install new, up-grade to tile or wood floors, walls, upgrade update fixtures, update any or all surfaces as necessary.

4. Wheel chair accessible (Handicap conversion) widen doors as necessary, renovate vanities and cabinets as necessary to accomodate wheel chair, provide clean floor surface (laminated wood flooring), design ramp per code, build ramp per code, provide plumbing, and electrical as necessary, work with the customer to deliver a project which is on time, on budget, and provides what is needed to the parties.

5. Mother/Daughter conversion package, add a room, or renovate existing space to accomodate two persons sharing a space, involves; painting, floor covering, some wall framing, doors, and trim, in the extreme case this package may be built above the existing floor space, or attach to the existing house.

6. Expansion package, add a porte cachere, outside kitchen, deck area, flagstone deck area, remove a wall, open up an area, expand the interior or the exterior provide design/build service.

Wednesday, January 2, 2008

Umpire - Mediation - Arbitration

Experience: (20) years experience as a conservative property loss professional. My core expertise, education and work is associated with commercial and residential construction project management, building practices and extensive knowledge of building codes, materials, valuation, and mechanical operations associated with these facilities, computer estimating, unit cost valuation, and application of insurance coverage for these structures, etc.

General Information: The standard for umpire is un-biased, disinterested and competent. Competency raises many questions. The Appraisal clause in the policy is held by many to be archaic and styled similar to tribunal, this was the intent of the original sculptors of the contract to allow low cost speedy resolution to disputes. The umpire is deemed a third appraiser, as such he should be competent. To appoint a mediator with no experience in these categories may create unforeseen challenges. Some property claim disputes warrant a great deal of expertise and sometimes actual inspection on site is necessary. Often the scope of loss is questionable due to an unresolved structural issue; preexisting condition; inherent vice; or cause of loss issue, sometimes, there are concurrent causation issues. Case law makes clear several points (a) causation is an issue of law, appraisers must take causation into consideration when appraising damage, but they have no right to interpret coverage or act outside their scope of authority (b) appraisal can be demanded by either the insurer or the insured, and (c) an insurer may face bad faith damages for failing to pay an award, the list goes on. Due to the nature of Appraisal and the vast misunderstanding of insurance coverage the insuring community has experienced much misuse of the Appraisal process; it has become some what of a catch all 911 solution to pre litigation. The bulk of the issues leading to appraisal by insured parties are due to greed, personality conflicts, ignorance and those listed above. On the carrier side there are times when adjusters just miss the scope and the funds paid on behalf of the claim are insufficient. Some adjusters lack competence, time, and expertise. Distinguishing the motivation behind an Appraisal is enlightening and helps resolve issues early on.

Training: Insurance Institute for Property Loss Reduction, (Committee Chair) Conference of States on Building Codes, (Committee Chair), American Society of Appraisers, Discipline, (Collectibles), certified mediator, AA White Dispute Resolution, Institute (Better Business Bureau) Society of Claim Law Associates, (Property Claim Law Associate), American Educational Institute, (Associate in Claims Program) Farmingdale University, New York (Commercial Project Management)

Cordially, your Honor, I thank you for your consideration and I look forward to visiting with you for a brief moment in the near future. Please feel free to contact me at any time on my cell.

Sincerely yours,

Richard Spreeman

Tuesday, September 11, 2007

Appraisal

Property Insurance "Appraisal" clause - a mediation / arbitration / dispute resolution clause engaging an Umpire as the unbiased party engaged to settle differences presented by the appraisers. "The duty of Umpire, when properly carried out, will yield favor from none"

Wednesday, September 5, 2007

Managing the Large Loss

I. What are we dealing with:
Where do we start?
Are we reactive or proactive?
Control of the claim begins pre-loss.
II. What controls are we dealing with?
a. Policy holder
1. P.H confidence in the adjuster.
b. Policy language
c. Damages
d. Liability
e. Civil
III. Are we reactive or proactive?
a. Company claim philosophy
b. What are the reactive aspects in large loss scenarios
1. Fear
2. Uncertainty
3. Delays
4. Over reacting
5. Over spending
c. Repercussion = increased indemnity expense

IV. What happens in a pro-active roll?
a. Company may experience a paradigm shift
b. What are the proactive affects on a large loss
1. Pre-loss plan and team – adjusting staff, investigators, restoration vendors, construction consultants, engineers
2. Confidence
a. Adjuster
b. Policy holder
3. Timely response:
a. How will we employ and deploy?
b. What are the rolls?
c. What are the authority limits?
d. What are costs?
4. Controlled costs
5. Controlled Claim Strategy
a. Policy language
b. Proper investigation
c. Timely response
d. Controlled costs
6. Customer service orientation
a. Customer needs vs.cost
7. How to build a pre-loss plan
a. Know your company claim philosophy
1. Paradigm shift due to changes in:
a. Handling P.H
b. Insurance industry perception
c. Litigation
d. Restoration / Reconstruction Techniques
b. What are your team requirements?
1. Adjusting staff
2. Investigators
3. Restoration providers
4. Construction consultants
5. Engineers
6. Legal staff

c. Developing your team
1. Qualifications standards
a. Capacity
b. Credibility
c. Financial responsibility
d. Structure
e. e-commerce availability
d. Establish “operational / pricing guidelines”
a. Response time management
b. Authority guideline
c. Reporting guidelines
d. Costs
1. Consulting- IA / experts
2. Damage mitigation –
e. Employing your team
1. Time is of the essence
a. As time passes costs go up
1. Employ a recall roster.
a. Cause Origin
b. Independent adjusters
c. Restoration provider
d. Construction professional
e. Engineering forensic
2. Set first onsite meeting with the team
a. Reinforce scope & authority of each member
b. Address immediate needs
1. Policy holder
2. Carrier
c. Establish a report back deadline
d. Evaluate findings
1. If necessary – non waiver

3. Set first meeting with policy holder
a. Outline your team
1. Introduce team
2. Share their role
b. Thoroughly review policy language c. Discuss immediate needs
1. Employ the team to satisfy the needs
d. Establish a claim time line
1. Provides a road map of the claim for the P.H
e. Bringing it all together
1. Reporting from members
a. Coverage
b. Initial reserving
c. Defined scope
d. Final damage assessment
e. Business interruption
1. Temporary locations
2. Other solutions
2. Evaluation process
a. Policy holder needs
b. Cost effectiveness
c. Coverage
d. Recovery plans
3. Decisions and Employment processes
a. Defined Coverage
b. Defined scope
c. Defined damages
d. End game plan
4. End game plan final notes
a. Communication
b. Attitude
c. Satisfaction
d. Reduced indemnity expense
f. Policy holder retention