ARRN Presentation

WE ARE THE BUILDING LOSS PEOPLE

OUR MEMBERS

• INTEGRAL CONSULTANTS a division of Integral Enterprises Inc. • DAVE LEMAY CONSULTING LTD.

• VALET CONTRACT SERVICES LTD. • LAMBERT CONSULTING

We Offer Peace Of Mind Through Knowledge And Expertise

WHO WE ARE

We are an experienced group of “BUILDING LOSS SPECIALISTS” with over a

minimum of 25 years experience for each Associate that provides consulting

services to Adjusters, Brokers, Underwriters, Property Managers, Lawyers, and

Building Owners.

• CLAIMS SERVICES

• LOSS PREVENTION SERVICES

• MEDIATION SERVICES

• UNDERWRITING SERVICES

ASSOCIATE

RON WILKES, TFC, CMSAI, AISA

Senior Building Loss Specialist

Cellular: (604) 614 - 8350

Email: [email protected]

President: Integral Consultants, a division of Integral Enterprises Inc.

Technical Consultant: Dave Lemay Consulting Ltd.

Technical Consultant: Valet Contract Services Ltd.

Experience: 50 years plus

Serving: Lower Mainland

ASSOCIATE

DAVE LEMAY, TFC, IICRC, ITC


Cellular: (778) 347 – 0417


President: Dave Lemay Consulting Ltd.

Technical Consultant: BioSweep Western Canada

Technical Consultant: Integral Consultants



Serving: British Columbia, Alberta

ASSOCIATE

AL BROWN, CR, CTFC


Cellular: (250) 681 - 3161


President: Valet Contract Services Ltd.




Serving: Interior of British Columbia, Alberta

ASSOCIATE

DAN LAMBERT, CTFC


Cellular: (604) 657 - 2545


Proprietor: Lambert Consulting





Serving: Islands & Coastal British Columbia

A loss or breakdown happens to a building every 5

years by a sudden and accidental occurrence or

through normal wear and tear.

One out of every 3 buildings will suffer a loss within

the next five years.

Out of every five buildings 2 buildings do not have

enough insurance or sufficient reserve funding

available.

Just like humans, every building has its own “DNA”.

There are no two buildings the same, although we try

to categorize them into their uses, and their

occupancies.

Over the last decade there has been many changes to

the Building Code; Green Construction introduced;

Recycling becoming very prominent in the

Construction Industry; the Principle of Substitution

becoming the norm for new building construction and

rebuilds; and the use of man-made materials, more

than ever. With these new products and labour

practices, despite all the rhetoric of being safe, as a

consequence, buildings are more dangerous when

they burn, flood from water damage, and generally

overall. Why? Buildings no longer breath naturally

any longer but rely on man-made ventilation systems

to exchange the air contained within them.

Change is ever present in building codes today, and

the use and occupancy of the buildings, of what once

was, to today, to what is constant. When building

codes were first introduced to Canada on a national

level in 1941, there was 5 basic groups

Agriculture, Commercial, Industrial, Institutional, and

Residential.

In 1941 the building codes addressed natural

building materials, but in 1961, they introduced into

the code man-made materials, and again in 1979,

they introduced new building practices using man-

made materials with the intention to phase out

natural materials as much as possible, thus the

“leaky condo” syndrome was introduced as well. At

some point, the 5 basic groups shown above where

changed and expanded to:

Apartments, Clubs, Hotel Group

Dwellings, Multiples, Motel Group

Stores and Commercials Group

Garages, Industrials, Lofts, Warehouses Group

Offices, Medical and Public Buildings Group

Churches, Theaters, Auditoriums Group

Sheds and Farm Buildings Group

Schools and Classrooms Group

On December 20th, 2012, the British Columbia

building code changed with the introduction of Green

Construction permanently in the code. It also gave the

municipalities time to catch up on these changes

internally for their procedures and implication of the

new code. Some have embraced it immediately and

some are only coming on stream now, with more to

come on later. This impacts the Principle of

Substitution which changes the labour practices and

materials used.

Now couple this with the use and occupancy of

buildings changing over the years, gives a whole new

set of building groups along with newer designs. At

Integral, we have updated and changed the list to

reflect current standards. There are now basically 11

(Groups) Uses for buildings with their Occupancies

(Building Designs) updated, changed, and added.

They are

Assembly Group

Commercial Group

Educational Group

Farm Group

Food Service Group

Industrial Group

Medical Group

Public Group

Residential Group

Recreational Group

Retail Group

There are 11 uses (groups) for buildings; 223

occupancy designs and counting; 5 classes of

construction; and 6 qualities of construction to give

you 73,590 different variables.

But it does not stop there. Add the life expectancy to

a building with its daily changes through age, usage,

wear and tear, location (what it is built on), weather,

etc. the variables are endless.

As an example of how changes in Building Codes

coupled with newer Materials and Practices, along

with the Use and Occupancy of the building has

rendered the current standards of determining

Insurable Value obsolete and needs to be updated

itself. The previous appraisal produced a

Replacement Cost, New, Value in March, 2011 of

$2,279,492.07 while an updated appraisal of

November, 2014 produced a Replacement Cost, New,

Value of $1,624,316. A decrease of over $600,000.

Why? The obsolescence of the existing construction

material and labour practices under the new changes

using the Principle of Substitution.

So what does that mean? Well up to about 10 years

ago the Principle of Substitution in appraisal costing,

was almost never used because “like kind and

quality” was almost always available but came with

costs associated with it. Over the years, natural

materials have become more expensive, while man-

made materials have become cheaper, mainly

because of their life expectancy. The most important

factor here is that the building code changes have

substituted the “like kind and quality”.

But we are not out of the woods, yet, because

Replacement Cost, New in appraisal terms is not the

same as Replacement Cost, New in insurance terms.

The difference is quite simple, as it really has no

bearing on the insurance or the appraisal industry. It

means that construction starts at a clean slate …….

An open clean lot, without any debris, undamaged

portions of previous buildings, no other finishes to

protect, etc. The construction crew has free range

with no obstructions.

So, on a rebuild, after a loss, there are other

expenses connected to the loss to deal with in order

to get the lot to Replacement Cost, New, condition.

These additional costs which are not in the

Replacement Cost, New, Value are:

Occupancy Design Fixtures

Building Code Upgrades

Municipal Building Bylaws

Emergency Service

Stabilizing the Building & Site

Site Security

Abatement

Deconstruction

Demolition

Debris Removal

Additional Costs associated with a Catastrophe

In a true sense, what the Insurable Value is

Reproduction Cost, New, which encompasses these

additional costs listed above. Going back to the

updated appraisal, the March, 2011 appraisal

reflected a value of $3,229,878 for Reproduction Cost,

New, which was down to $2,557,342 in November of

2014. Building owners should be insuring for

Reproduction Cost, New as that is their true Insuring

Value.

Although publications and articles state that Green

Construction will increase Residential Costs by at up

to 7% for Commercial Buildings and up to 20% for

Residential Buildings, it will depend upon when the

building was built. Older buildings built of “like, kind

and quality” with more natural materials with a fairly

current building appraisal, already has this increase

or more taken into consideration. That is if it is a true

Insurance Appraisal and not a Real Estate or Market

Appraisal update is completed.

Our Products and Services

• Damage Assessment Reports

• Loss Appraisal Reports

• Actual Cash Value Appraisal Reports

• Claims Cost Management Services

• File Audit Reports

• Project Management Services

• Forensic Research Analysis Services

• Large Loss Coordination Services

• Depreciation Reports

• Life Expectancy Appraisal Reports

• Condition of Risk Assessments

• Infrastructure Replacement Reports

• Occupancy Design Consulting

• Renovation/Restoration/Remodeling Consulting

• Underwriting Appraisal Reports

• Underwriting Inspection Reports

• The Mediation Process

• The Arbitration Process

By providing Values for

• Replacement Cost, New

• Occupancy Design Fixtures

• Building Code Upgrades

• Municipal Bylaws

• Emergency Service

• Building Stabilization

• Site Security after a Loss

• Abatement

• Deconstruction

• Demolition

• Debris Removal

• Catastrophic Increased Costs

• Reproduction Cost, New

So let’s breakdown all these confusing services and reports into 4 groups

in simple layman’s terms.

UNDERWRITING REPORTS & SERVICES

Before a Loss Occurs

Underwriting Appraisal Reports (UAR)

Underwriting Inspection Reports (UIR)

CLAIMS REPORTS & SERVICES

After a Loss Occurs

Loss Appraisal Report (LAR)

Damage Assessment Report (DAR)

Actual Cash Value Appraisal Report (ACVAR)

Claims Cost Management Services (CCMS)

File Audit Reports (FAR)

Project Management Services (PMS)

Forensic Research Analysis Services (FRAS)

Large Loss Coordination Services (LLCS)

DISPUTE RESOLUTION REPORTS & SERVICES

After a Loss Occurs

Mediation Process (MP)

Arbitration Process (AP)

BUILDING OWNERS REPORTS & SERVICES

Value Added for Insureds

Depreciation Appraisal Reports (DEPAR)

Life Expectancy Appraisal Reports(LEAR)

Condition of Risk Assessments (CORA)

Infrastructure Replacement Reports (IRR)

Occupancy Design Consulting (ODC)

Renovation/Restoration/Remodeling

Consulting (RRRC)

An UNDERWRITING APPRAISAL REPORT (UAR) is

a building replacement cost analysis, which provides

an accurate estimate of the amount of insurance

required to replace each structure, and/or amenity

exactly as it stands on the day the report was

prepared. The appraisal provides a separate value for

Replacement Cost, New; Bylaws and Code Upgrade;

a combined Emergency Service, Stability, Security,

Abatement, Deconstruction, Demolition, Debris

Removal; Catastrophe; and Reproduction Cost, New.

It gives you all the required amounts for policy limits

and sub limits.

Here are a few of the UNDERWRITING INSPECTION REPORTS (UIR) we offer.

PRELIMINARY REPORTS – Exterior Report, Interior Report, Mobile Home Report,

Standard Residential Report, High Value Home Report, Agriculture Report, Commercial

Report, Industrial Report, Institutional Report.

SUPPLIMENTIAL REPORTS (to be added to a Preliminary Report) - Bottling & Bottle

Washing, Burglar Alarm, Contractors Job Site, Contractors Liability, Cooking, Crime,

Eatery, Farm Out Structure, Fidelity, Garage Liability, Kitchen, Manufacturing

Liability, Out Structures, Premises Liability, Products (Editable) Liability, Products

Liability, Recommendations, Religious Facility, Restaurant, Swimming Pool, Theatre

Liability, Water Exposure, etc.

EXTENSION REPORTS (to be added to a Preliminary Report) – Assemblies, Cooking

School, Culinary, Gym & Locker Room, Hazardous Condition, Industrial, Non

Residential Building, Occupancy – Egress, Occupancy – Exterior, Public Pool,

Residential Building, Science & Laboratory Classroom, etc.

GENERIC REPORTS (can be a stand alone or added to another report) - Solid Fuel

Appliance, Residential Valuation, Commercial Valuation, etc.

A LOSS APPRAISAL REPORT (LAR) is a building

replacement cost analysis, which provides an

accurate estimate of the amount of insurance required

to replace each structure, and/or amenity exactly as

it stands on the day the report was prepared. The

appraisal provides a separate value for Replacement

Cost, New; Bylaws and Code Upgrade; a combined

Emergency Service, Stability, Security, Abatement,

Deconstruction, Demolition, Debris Removal;

Catastrophe; and Reproduction Cost, New. It gives

you all the required amounts for policy limits and sub

limits. An adjuster would request this report to

determine if the building is insured to value.

The DAMAGE ASSESSMENT REPORT (DAR) is

designed to give you the conditions of the loss,

principle of substitution for obsolescence, timelines,

scope of damage, and an assessment of restoration.

There is also a secondary report with it called

"Contractor's Version" so that the restoration

contractor or builder will receive so that they know

exactly what they are to rebuild.

An ACTUAL CASH VALUE APPRAISAL REPORT

(ACVAR) is in conjunction with a Loss Appraisal

Report (LAR) or Damage Assessment Report (DAR) to

give you the depreciated percentage to be applied to

either or those reports. It defines how the

depreciation is arrived at which allows for remaining

life expectancy of that finish or feature for

substituting an existing finish or feature with an

entirely different finish or feature; or settling a cash

settlement rather than rebuild the building which is

purely an economical value.

The CLAIMS COST MANAGEMENT SERVICE

(CCMS) is report is from the time the claim is received

in your office, until the loss has been completed and

an occupancy permit issued. It will deal with

emergency service, bid selections, restoration

contractors approach to completing the rebuild, and

reviews all costs associated with the restoration. Site

inspections will be made for foundation work; framing

of the structure; building envelope and lockup; all

building services such as plumbing, heating and

electrical; and a finish and feature review.

Protocol was followed. There was an assigned approved insurance contractor to complete

the restoration and the project went out to bid. However, why did the costs escalate and

the insured is not happy with the results? There are a number of reasons why. Outside

influences such as government bodies can directly affect the how the restoration process is

going to take place. There really is no control over these situations and inevitably the

construction costs directly impacted by decisions a government body can make affects the

restoration process.

A Loss Consultant can provide a simple audit after the job is complete or a more

complicated ongoing FILE AUDIT REPORT (FAR) while the job is in progress until it is

finished to ensure that proper sufficient documentation is in the file.

This report process consists of producing a timeline, a spread sheet, reconciliation of the

costs, and recommendations through interviews, file review, research, examination of

factors concerning risk and loss, then putting it all into the report.

Very few project managers have the years of experience necessary to carry

out the remedial process for every type of loss. We have an extensive

performance interview for screening project managers for the required

expertise in completing the individual loss that we are assigned. We have

worked with numerous project managers over the years successfully to bring

the loss in on time and in on budget. Seasoned Project Managers that have a

working knowledge of the paperwork and what is required to document the

file have been pre-screened for Integral.

PROJECT MANAGEMENT SERVICES (PMS)

This is a specialty investigative area where the

consultant through interviews with different parties,

and research of the property through different

libraries, records, photographs, and the internet, can

learn the history of the building. With this information

the consultant, can analysis this information to

provide reconstruction with like, kind, quality, for

reports such as Loss Appraisal Reports (LAR)

Damage Assessment Reports (DAR) and Actual Cash

Value Reports (ACVR).

FORENSIC RESEARCH ANALYSIS SERVICES (FRAS)

Often overlooked after a loss has occurred is who coordinates the site? This is

usually a more critical decision than who does the restoration work. Without

competent supervision, restoration contractors and the inevitable construction

problems that arise during a project can quickly cause the loss to get out of control.

Most restoration projects are site managed by the restoration contractor. Letting the

contractor have a "free rein" to make decisions may seem harmless, until you

consider the consequences.

When a restoration contractor is placed in a bid situation, this usually means

stripping away restoration details that could be considered frivolous but are still

part of the quality of construction that the insured had before the loss occurred.

Saving money on the project costs is now the contractor's priority.

Restoration project site management requires extensive and diverse restoration

experience. Assessing the conditions, scoping the damage, and estimating the cost

of the restoration correctly, the site manager should be able to have the project

completed in an efficient and timely manner, staying within budget.

LARGE LOSS COORDINATION SERVICES (LLCS)

PROVEN SOLUTIONSwith

PROFESSIONAL RESULTS

The MEDIATION PROCESS (MP) is a voluntary dispute resolution process in which the

parties use the help of a neutral third party, called the mediator, to try to reach a

mutually satisfactory solution to their dispute. The decision-making power in mediation

rests with the parties, not with the mediator.

The mediator is trained to help each party understand the others' positions and to help

them arrive at possible solutions. Mediation works as a problem-solving process

because the parties participate voluntarily and in good faith. Any of the parties, even

the mediator, may withdraw from the mediation at any time and for any reason.

The parties meet with the mediator in an office or other informal setting to discuss their

respective positions to the dispute and to negotiate a mutually

agreeable solution. Some mediators begin with a meeting of all parties, but in litigated

disputes, most attorney or retired judge mediators dispense with a joint meeting and

instead go immediately into private meetings with the parties and their counsel.

MEDIATION PROCESS (MP) communications are, by statute, confidential in that the

parties and the mediator are not allowed to disclose any of them in any legal

proceedings. The mediator may not be subpoenaed to testify for either party in any

matter related to the mediation. Nor may any documents disclosed at mediation be

admitted in any legal proceeding except for a settlement agreement signed by the

parties at the mediation or thereafter as part of the mediation process.

When the parties reach a settlement at the mediation, they typically put it in writing

which, when signed by all necessary parties, becomes a binding contract. Aside

from this final written agreement signed by all parties, no one is bound by anything

said or done during mediation. If the parties do not reach an agreement in the

mediation, they are free to take any other appropriate measures available to them,

including pursuing or completing litigation.

The ARBITRATION PROCESS (AP) is a voluntary dispute resolution process in

which the parties select a third party, called the arbitrator, to make a

decision regarding their dispute. Unless otherwise previously agreed by the

parties, the arbitrator's decision, called an award, is final and binding and

therefore cannot be appealed to any court.

The arbitrator typically hears evidence at a hearing conducted in an office or other

informal setting. The arbitration process is conducted in accordance with any

previous agreement of the parties or, if none, according to applicable state or

federal arbitration rules. Unless the parties have previously agreed otherwise, the

arbitrator has authority to decide the extent to which rules of evidence will apply

and what remedies are appropriate.

Like mediation, the arbitration process is confidential unless it becomes necessary

for the prevailing party to file the arbitration award with an appropriate court to

seek enforcement. Once filed with the court, the award can be made an

enforceable judgment of the court and be enforced the same as any other court

judgment.

As of December 13, 2011, the Strata Property Act of British Columbia

requires Strata Corporations to complete a Depreciation Report by

December 13, 2013 and every consecutive three-year period, unless

rejected by a three quarter vote by members of the corporation.

A DEPRECIATION APPRAISAL REPORTS (DEPAR) commonly known as

a Reserve Fund Study, is a comprehensive outline of expected repairs,

improvements, and common update expenses of a Strata property over

time.

This report must include a description, estimated service life, and any

associated repair costs for a Strata Properties infrastructure including,

but not limited to: the building’s Structure; the building’s exterior;

including roofs, roof decks, doors, windows, and skylights; the building’s

systems; including electrical, heating, plumbing, fire protection and

security systems; parking facilities and roadways; common amenities

and facilities; landscaping; interior finishes; including floor covering and

furnishings; patios and balconies; etc.

Depreciation Reports will help Strata's predict and plan for future

expenditures. This will also keep strata owners more informed of the

condition of their property and help properly maintain an efficient

contingency reserve fund.

The report includes all common areas for any type of

property including but not limited to the Roof System,

the Exterior Wall System, Interior Finishes, Basement

Finishes, Mechanical Systems, Electrical Systems,

Common Amenities, and Landscaping. It is further

extended to include projected insurance costs that are

not covered by the insurance policy, maintenance and

upkeep expenses, projected future depreciation report

costs, foreseeable inspection costs to hidden

conditions to aging systems and components, and

projected engineering and geotechnical services as

components and systems get old.

This report is designed for any building design.

LIFE EXPECTANCY APPRAISAL REPORT (LEAR)

The three main CONDITION OF RISK ASSESSMENTS (CORA) are:

CONDITION OF RISK REPORT – Standard Edition

It is a non-intrusive visual inspection/survey only. The building is not disassembled,

and contents are not moved. This report is the precursor to today’s standard pre

purchase inspections but in more detail.

CONDITION OF RISK REPORT – Comprehensive Edition

It is a non-intrusive visual inspection/survey only. The building is not disassembled,

and contents are moved to expose the building features. This report will include

thermal imaging, and camera exploration where possible.

CONDITION OF RISK REPORT – Extended Comprehensive Edition

It is an intrusive exploratory inspection/survey. The building is disassembled, and

contents are moved to expose the building features. This report will include thermal

imaging, and camera exploration where possible as well.

This report includes all common buildings, out

structures, amenities, facilities, improvements, etc. on

land or water located in a complex. It is further

extended to include projected insurance costs that are

not covered by the insurance policy, maintenance and

upkeep expenses, projected future depreciation report

costs, foreseeable inspection costs to hidden

conditions to aging systems and components, and

projected engineering and geotechnical services as

components and systems get old.

This report is designed for any type of complex and

has reserve funding programs on a short term basis.

INFRASTRUCTURE REPLACEMENT REPORTS (IRR)

OCCUPANCY DESIGN CONSULTING (ODC)

Buildings are designed for a certain type of occupancy. To change the occupancy of

the building may not be as simple as it sounds. There are certain costs associated

with a simple garage conversion to part of the living space. Or a more difficult one is

converting a series of floors in an office tower to parking floors.

We can also help you with any projects you might have. We have experience in

transforming old occupancies into new modern efficient space for the new occupancy

by conversion. Together with our expertise and experiences we can plan your

conversion project from start to finish.

Will it fit? Know what it will take to convert?

Is it beyond the capacity of the building?

Are there hidden costs?

Will it conform to municipal requirements?

Let us work with you to accomplish these two important tasks by cost control and

quality control. Have a plan before you start.

RENOVATION, RESTORATION, REMODELING CONSULTING (RRRC)

Buildings are designed for a certain type of occupancy, quality and class of construction.

To change any one of these may not be as simple as it sounds. There are certain costs

associated with each segment. A remodeling project can get way out of hand before you

know it. Proper planning is required to bring it in on budget and target.

You need to survey and inspect your building for feasibility. You need to research your

space for availability of services required. You need to check with the municipality for

zoning restrictions.

Let us work with you to accomplish these important tasks by cost control and quality

control. Have a plan before you start.

DESIGN RESEARCH INVEST BUILD

INTEGRAL CASE FILEThis case study to an industrial strip mall involves a major windstorm, inferior construction, minimum

building code requirements, and mold.

We were called in three months later by a major insurer to investigate the extent of damage caused by a

major wind storm that occurred that previous November. Up to that point, a major approved restoration

contractor had completed the emergency service aspect of the loss and produced a scope of damage and

estimate based upon full replacement of material finishes and treatment for mold to partition walls

between units $450,000.

High winds lifted the flashing to the south east corner of the building, lifting up the roof cover, insulation,

and peeled it back over the front section. The roof slopes to the middle for drainage. The damaged area of

the roof was confined to the rear section of roof over units 1 – 6 inclusive.

Although the roof was tarped, in climate weather prevented the roof from being repaired immediately,

thus allowing water to penetrate the demising walls between units. Mold has built up in these walls due

to the water. Mold appears quite evident behind the drywall in some areas in the photos that were taken

the following February.

We decided to do exploratory demolition following the signs of the mold in the demising walls which

resulted in normal replacement of the drywall to these walls of the wet and damaged sectors only. The

blackness showing through was tar leaking through the roof down the walls because of faulty

workmanship and inferior construction. No tenants were relocated and minimal inconvenience was

achieved. The roof repairs were redone with torch on roofing and the old gravel was spread over the

undamaged portion of the roof to help hold the roofing down because it was incorrectly fastened when the

building was constructed.

If the other restoration contractors scope of damage was followed and their estimate accepted the cost of

this loss would have been in the $450,000 and the loss actually resulted in being $175,000 resulting in

a savings of $275,000 plus any loss of rents.

INTEGRAL CASE FILEIn March of 2013, the insured suffered a devastating fire. The adjuster along with their appraiser

assessed the damage at $382,824 and the Replacement Cost, New Valuation at $461,154 which

placed the home at 83% damaged. This would activate a municipal bylaw that states “If a building

is more than 75% damaged it must be torn down and rebuilt.”

The insured hired INTEGRAL to reappraise the home and reassess the damage. We found the home

to be worth $873,823 Reproduction Cost, New and the Damage Assessment at $467,186 which

places the building at 53% damaged.

The case went to Mediation in June 2014 and the results in September of 2014, arising from the

process were in favour of the INTEGRAL assessment above. This decision saved the home from

being torn down so that it could be repaired which in turn saved undo stress for the insured and

their family if they had to rebuild. It also allowed their insurance advocate to obtain a single limit

payout on the policy because of the length of time they will be out of their home and the additional

damage occurring as the home sits open to the elements.

The insured has sufficient limits on the policy only because he built the custom home, himself with

his builder who actually established the original Replacement Cost, New Value for the policy.

For the INTEGRAL team, Al Brown performed as the Technical Field Consultant for the Scope of

Damage and Site Survey for the Reports and served as the Appraiser in the Mediation Process,

while Ron Wilkes executed the Desk Survey segment and wrote the three required reports.

From a monetary perspective $194,213 savings to the insured for out of pocket expenses

that would not have been covered………… From a humanitarian perspective – priceless.

Older buildings, and many newer buildings, were built during times when building

codes were less strict than they are today. If you are rebuilding or restoring a building,

you may need to meet the newer and more demanding building codes. Even

undamaged parts of the structure may have to be rewired or plumbed to meet current

codes. Building codes may also require you to replace windows with safety glass or

replace roofs with fire-retardant materials. Building code changes can add tens of

thousands of dollars to the cost of restoring a damaged building.

Obsolescence of material and labour practices can invoke the Principle of Substitution

on a regular basis in today’s marketplace; therefore quality of like kind must be

monitored closely. Dangerous materials can also lurk in these buildings which can

render the undamaged portion of the building obsolete.

If you have a building that you think falls within these parameters, call one of us for a

free consultation today.

Al Brown [email protected] (250) 681 – 3161

Dan Lambert [email protected] (604) 657 – 2545

Dave Lemay [email protected] (778) 347 – 0417

Ron Wilkes [email protected] (604) 614 - 8350

WE STAND OUTSIDE THE BOX AND HAVE NO VESTED INTEREST IN THE RESTORATION PROCESS

mailto:[email protected]




The Associated Restoration & Replacement Network (ARRN) is a

consortium of Property Loss Consulting Firms who's members

have in excess of a quarter of a century of experience in this field

and have access to all faucets of services for remediation of

property.

On behalf of all of us at the ARRN, thank you for taking time out of

your busy schedule and attending this presentation.

ARRN Presentation

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