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Home » Authors » David J. Dybdahl
David J. Dybdahl

David J. Dybdahl

David Dybdahl is the president and founder of American Risk Management Resources Network LLC (ARMR). He is an insurance broker, professional insurance educator and expert witness on insurance matters involving billions in litigated damages in multiple federal courts. For 18 years he has served on various IICRC Consensus Drafting Committees. In March of 2020 he played a key role in producing the Restoration Industry Association's and IICRC COVID-19 Report to create a legally defensible disinfecting protocol for coronavirus virus in buildings. ARMR is the #1 seller of insurance to cleaning and restoration firms in the U.S. The customized insurance policies ARMR designs are sold through local insurance agents and brokers in all 50 states. David can be reached at dybdahl@armr.net and his cell is (608) 513-6101. He welcomes questions and inquiries.

Articles

ARTICLES

The Best Risk Management Tool for Mold Remediation

New version of ANSI/IICRC S520 now available
David Dybdahl
David J. Dybdahl
December 18, 2015
No Comments

Did you know the ANSI/IICRC S520 Professional Mold Remediation Standard is the most import risk management tool ever conceived for the mold remediation business?


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The Bright Future of Roofing Restoration

David Dybdahl
David J. Dybdahl
October 6, 2015
No Comments

Climate change is upon us and that is going to be really good for roofing contractors. Climate change brings on more severe weather patterns. As a result, unusual weather triggers insurance claims on property insurance policies.


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Part Two: Fixing Gaps in Your Liability Insurance Policies

9 out of 10 restoration companies have policies with a fatal flaw
David Dybdahl
David J. Dybdahl
August 6, 2015
No Comments

You’ll recall in July, I explained a problem you may have within your master services agreements – specifically related to additional insureds.


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Part One: Fixing Gaps in Your Liability Insurance Policies

9 out of 10 restoration companies have policies with a fatal flaw
David Dybdahl
David J. Dybdahl
July 8, 2015
One Comment

Your insurance agent has very likely set you up to be in breach of contract and to be the insurance company for a really big insurance company on the work you do under master services agreements.


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Managing the Risks of Disinfectants

David Dybdahl
David J. Dybdahl
May 1, 2015
No Comments

A lot of restoration firms have their roots in the cleaning business. As such, they are called in to clean up biohazards with regularity.


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How to Get Paid When Lenders Are Loss Payees

David Dybdahl
David J. Dybdahl
March 2, 2015
No Comments

Over the years, I have had the same question asked numerous times: How do we get paid when both the lender and the property owner are loss payees on the check from the insurance company?


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Insuring Bio-Remediation Work

David Dybdahl
David J. Dybdahl
January 27, 2015
No Comments

The Ebola virus is the latest threat that bio-remediation professionals will have to combat and it’s been no surprise that I’ve received this question numerous times from restoration and remediation clients of mine.


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Roof Repair Leads to $1 Million Mold Claim: An Insurance Claim Case Study

David Dybdahl
David J. Dybdahl
October 10, 2014
One Comment

Virtually any job that could be associated with a water loss can create a claim for mold damages many years after a project is completed – would you be covered?


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The Super Bright Future of Restoration Contracting

David Dybdahl
David J. Dybdahl
October 3, 2014
No Comments

Climate change, the politically correct term for “global warming,” is upon us and no matter what side of the fence you sit on regarding its causes and solutions, one thing is certain - it is going to be really good for the restoration business.


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Having Trouble Getting Paid For Category 3 Water Jobs? Part II

David Dybdahl
David J. Dybdahl
May 28, 2014
No Comments

So how can it be that claims adjusters who insist on hiring IICRC Certified firms are not aware of the risks they assume by not following the IICRC S500 standards and guidelines?


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View All Articles by David J. Dybdahl
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