Lead Paint, Asbestos, Mold, Radon and Industrial Hygiene Consulting “Lead Safe” for the Insurance Industry August 2013

1. Lead Paint, Asbestos, Mold, Radon and Industrial Hygiene Consulting “Lead Safe” for the Insurance Industry August 2013 Phone 860.908.1823 or email Mattbaber@hlbenvironmental.com www.hlbenvironmental.com

2. Introduction HLB is a Lead Paint, Asbestos, Mold and Radon Testing and Inspection Firm. HLB is also a provider of Industrial Hygiene Consulting. It is our mission for our Connecticut certified inspectors to provide creative and knowledgeable environmental consulting within the regulations and our client's budget. Matt is service veteran, a little league coach and a happy husband and father.  Matt has worked in the environmental and industrial hygiene field since 1995 (give or take a couple of years of college) and his career has forged him into well rounded consultant. Matt holds all the licenses and credentials necessary to do the work.  Just ask and he will  provide copies of it all.

3. Why are Insurance Companies Requiring Lead Safe Certificates • NEW YORK, New York, October 19, 2007 - A team of lead paint lawyers at Levy Phillips & Konigsberg, LLP, obtained a verdict totaling $4,645,000.00 in a lead poisoning lawsuit1 on behalf of a child, who was 15 years old at the time of trial and 4 years old when he was poisoned from his apartment building's lead paint. The lawyers substantiated the lead poisoning lawsuit by showing that for a period of approximately one year, while residing in a Manhattan apartment building, the child was exposed to peeling and chipping lead based paint and lead based paint dust. The lead paint lawyers then went on to argue the apartment owner and manager's liability for the child’s lead poisoning. http://www.lpklaw.com/new-york-lead-paint-lawyers.php • Lawyers are pursuing these lawsuits more and more

4. Why are Insurance Companies Requiring Lead Safe Certificates • Protecting children from exposure to lead is important to lifelong good health. Even low levels of lead in blood have been shown to affect IQ, ability to pay attention, and academic achievement. And effects of lead exposure cannot be corrected. • Centers for Disease Control • http://www.cdc.gov/nceh/lead/ACCLPP/Lead_Levels_in_Children_Fact_Sheet.pdf

5. Why are Insurance Companies Requiring Lead Safe Certificates

6. What is a Lead Safe Home • A “Lead Safe Building” is one free of Lead Hazards, Including: • Defective Lead Paint (chipping, pealing, cracking, blistering, friction etc…) • Lead Dust (This is the source of most lead poisonings in the household) • Lead in Soil (From deteriorated exterior paint, leaded gas, etc…) • Lead in Water (From Lead pipes and Solder) • There are many other lead hazards that maybe invited into a home, but these cover the building itself

7. Role of The Consultant • To Advise the Clients of the Law • Offer Guidance and Choices within the Law • Perform Services Chosen by the Client • Report the Findings of the Services to the Client • Offer Further Advise Based on the Findings • Confirm the Completion of Actions Taken by the Property Owner to Remediate Any Deficient Findings… (photographs by the owner of the completed work are not acceptable for a “Lead Safe Certificate”) Note: In Connecticut, when a child under 6 years old resides in a building and XRF testing finds defective lead-based paint, the consultant is required to report the findings to the local health department overseeing the jurisdiction (Connecticut Regulation 19a-111)

8. Role of The Property Owner • Notify the Tenants of the Results of the Inspectionand Actions Taken to Correct Deficiencies. • Disclose to Future Tenants the Results of the Inspection and Actions Taken to Correct Deficiencies. • Be EPA RRP Certified to Perform Lead Hazard Reduction Activities or Hire a RRP Certified Contractor to do the Work, as required. • Perform Necessary Requirements as Dictated by the Local Health Dept.

9. Why HLB? 1. Responsive2. Rapid Turn Around Times3. Experienced Since 19954. Creative5. Knowledgeable6. Cost Conscience7. Friendly8. Educates the Client9. Quality Third Party Consulting10. Works to Protect their Client

10. The Agent’s Role A Salesman Once Told Me to Always “Ask for the Referral” Your Role is to Refer to a Quality, Responsive and Caring Consultant. Please Refer to HLB Environmental, LLC

11. Lead Paint, Asbestos, Mold, Radon and Industrial Hygiene Consulting “Lead Safe” for the Insurance Industry August 2013 Phone 860.908.1823 or email Mattbaber@hlbenvironmental.com www.hlbenvironmental.com