All reports from Nashville indicate that the city, its residents, and businesses are working towards recovering from the terrible flood. Companies that experienced a business interruption loss due to the flood may choose to use their own employees to perform clean up and repairs to the physical facilities. If your business is using its own employees to clean up after the flood, this is an excellent choice that can help to expedite repairs, keep costs lower, and keep the employees busy and earning money.
For those businesses who will submit a business interruption or extra expense claim to an insurance company, I want you to understand that it is imperative to keep accurate time records related to how employees spend their time. Accurate employee time record keeping is even more critical, and becomes more complex, when the business is also operating, or partially operating, during the restoration from the loss.
My advice is that every single employee fills out a daily time card detailing their activities. Employees should differentiate between clean up, repairs, and normal duties. If employees are performing clean up or repairs, employees should document those activities on a daily basis, including the following details:
- where they were working.
- what they were doing.
- how long they did it.
- who was supervising.
The time cards should then be signed by the indicated supervisor. As a final note, employee time cards must be legible or they are worthless. Using this method to document how employees spend time cleaning up after the Nashville floods should help reduce questions by the insurance company during the business interruption settlement process.
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