[C.A.R.E.S.]
CONDOMINIUM ADVANCE RESTORATION AND EMERGENCY SYSTEM [C.A.R.E.S.]TM
Rainbow International of North York is utilizing the Condominium Advance Restoration and Emergency System [C.A.R.E.S.]TM created by Marsha Ludwig of 1-888-4-FLOOD-911TM. After 17 years of Condominium Water Loss experience with Rainbow International of North York, Marsha Ludwig decided it was time to "figure things out" with regards to "where the communication process fails the Condominium Community" during water loss or other loss. [C.A.R.E.S.] was created to support truth, organization and communication between all individuals involved on the job. Truth happens in the moment not reconciled later. Digital documentation is provided to show wet surfaces and then dry.
Currently there are no mandatory systems in place that enforces the rights and responsibilities of the Condominium Community without going to litigation. Unfortunately lawyers disagree on the interpretation of the Act, so there is no sure thing, when you go into court.
The Condo Act is the rule book that is used to avoid disputes in the Condominium Community. Unfortunately Brokers, Adjusters, Contractors, Property Managers, Property Management Companies, Unit Owners and Employees of the Corporation do not know how to access the information in an effective way! Delays in making the correct emergency decisions, can turn a clean water loss into a mould case. Time almost always cost additional money. The [C.A.R.E. System] becomes a rule for the individual Condominium Corporation with regards to water loss or other loss. Employees follow proceedures and don't bear the burden of bad emergency decisions.
The Condominium Advance Restoration and Emergency System [C.A.R.E.S]TM is put into place prior to a loss. There would be few questions left unanswered in the event of a water loss. Correct emergency decisions save thousands of dollars. The Condominium Corporation in advance of a loss, would be informed of the affects and consequences in choosing different insurance coverage.
An insurance broker would sell insurance to the Condominium Corporation based on the "Registration Document" in [C.A.R.E.S]. This document clearly defines "as built finishes" as items that are covered under the Condominium Corporations insurance policy. An improvement requires an action taken by an owner or previous owner. Any changes to original as built finishes and then it is classified as an improvement. Improvements are excluded from coverage. The life expectancy of the original flooring (for example) is over once the owner removes it. Unfortunately by-laws are being passed to remove flooring all together which puts all the costs onto the unit owner regardless if the owner actually changed the as built finish.
The C.A.R.E.S. course being offered in Uxbridge Ontario starting January 2012, teaches the Condominium Community what sections of the Condominium Act, 1998, they should read with regards to insurance and insurance requirements. It teaches people how to create a filing system on their desktop (to ensure a paperless record of all events), it contains authorization forms clearly stating the rules and payment requirements in advance and provides each unit with detailed documentation to comply with any requirements for record keeping. The water restoration manual, IICRC S500 (water restoration rule book) is available on-line to show what procedures are to be followed in the event of a water loss and each type of flooring, Proof of Competency, MSDS Sheets on-line and many more components are still under development.
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