Edwin sat in the small conference room filled with 15 others. A balding man stood at the front of the room preparing for his presentation. Today was a mandatory coverage and safety meeting. These meetings were held once per month by the safety and compliance officer of Lincoln Fire and Casualty, Sam Kline. "Good morning everyone" he said with a fake smile as they gathered and chose their seats. He glanced at the clock on the wall, then at his watched and wrinkled his nose. He turned to the whiteboard behind him, picked up one of the black markers and removed the cap. He held it up to his nose to smell it, but quickly realized that everyone was watching him and started to write the word "T-U-L-S-A" on the board.
"Ok today we are going to talk a little bit about claim frequency. A total of 3,660 people died in ACU incidents last year in 2016. Sixteen percent of these deaths were live victims of an attack, 68 percent were infected ACUs that had to be dispatched, and 15 percent were ACUs which were found dead and inactive of natural causes. The number of people who died in ACU incidents was 21 percent higher in 2016 than in 2010, when it was lower than at any year since the collection of ACU data began in 1975. What we have found that this five year period has seen the sharpest increase in incidents in 40 years." He glanced at the reactions around the room. "You are all aware of the increased frequency if incidents we have had in just this branch. Others are reporting similar increases and now we are considering a rate increase for the first time in 6 years. As our claims people become busier, the risk of accidental infections becomes greater so let's review two cases today which occurred in Tulsa Oklahoma. Has anyone heard about these incidents yet"? He asked as he scanned the room. "No? Ok then. March 15th, an adjuster from State Mutual of Oklahoma was assigned to a multi-ACU incident in an apartment building. The infection began with a family of three, a mother, father and their 12 year old son. The incident involved injuries to a few tenants and federal agents cleared the building two days prior to the adjuster's arrival on scene. A local, certified remediation company had also been at the scene and the area was sprayed and tagged. As you all know, 24 hours is the standard set period for Zamiden when it is sprayed on ACU bio tissue and fluids. This was a textbook case until the adjuster arrived on scene." He looked at their faces again. Mary Sinclair was writing in her notebook. Most of the others were staring blankly at him while he spoke. Edwin glanced around the room as well. He was still new to these sessions and was mesmerized by the story. So this adjuster suited up within protocol, and began his inspection. He went through the property and everything was fine until he slipped on something in the kitchen area. He fell and when he landed there was a kitchen knife on the floor that punctured his suit. It turns out the knife was contaminated. He was Z Positive so he turned. Nobody realized what had happened until a few days later. They expected him at the office but there was no out-roster like we use here. They just figured he was out doing more inspections, when in fact, he was stumbling around the kitchen as an incoherent ACU. Eventually a repair contractor found him and actually dispatched him before law enforcement could get there."
Edwin swallowed hard. Contamination took up most of his studies when he was at the ACU training. Edwin glanced over at Mary Sinclair, and he pulled out his pen and began writing notes too. He listed with great interest as Sam recounted the dangers of cluttered environments when conducting and ACU inspection and investigation. "Any debris, loose items or trash that accumulates in a building can be potentially toxic. The only areas that are guaranteed safety zones after and ACU incident are the areas that are yellow or green where Zamiden was sprayed. Sam then went on to talk about another incident in Tulsa involving a different adjuster. A new guy who had gone to an restaurant for an inspection prior to the area being cleared by remediation. They hadn't even sprayed yet and he walked in the building. An ACU was stuck in a closet. Cops never knew about her. When the adjuster opened the door she was on him. Killed the poor bastard in minutes according to the security cameras.
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Zombie Policy
HorrorWhat if Zombie encounters were just another problem, like hurricanes, wildfires or floods? What if you could buy insurance for that kind of thing? Edwin is an insurance adjuster who handles Zombie claims. It can be a challenging job sometimes...