Thesis (doctoral)--Universität Freiburg in der Schweiz.

Typescript, etc. / Digitized by Kansas State University Libraries

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Statement of the ProblemThe paramount purpose of the study was to develop a model disaster plan to assist practicing school administrators in being prepared for fiscal loss impacts after major man-made or natural disasters.Procedure UsedThe study was limited to agencies, persons, and materials relating to fiscal losses resulting from major disasters. Department of education officials in eight states that had been repeatedly plagued by major natural disasters submitted information regarding what steps a school administrator should take to offset fiscal loss impact resulting from a major disaster. Officials ofthree major insurance companies were interviewed to provide defined procedures for underwriters to follow in writing exposure coverage when Insuring public school corporations. Data were gathered from literature and personal Interviews. Persons Interviewed Included school officials, Insurance officials, and underwriters.FindingsFindings were based on the data gathered.1. There was a lack of conformity In writing insurance schedules.2. School administrators generally, did not exhibit insurance schedule writing and marketing. 3. Clear guidelines for school administrators in handling fiscal losses resulting from major disasters were not being provided by any of the state departments of education. 4. The school corporations studied were found to have insufficient insurance coverage and had depended upon P.L. 81-815 and P.L. 81-874 for funds to offset fiscal losses.5. School administrators frequently were reluctant to purchase contingency insurance for added fiscal protection in the event of fiscal disaster.ConclusionsConclusions based on the findings were as follows: l. A reluctancy exists among school officials to plan adequately for future disasters by carrying adequate insurance.2. Generally, administrators lack knowledge in insurance programming.3. Educational inventories are, in general, outdated and Incomplete.4. Fiscal losses arise from inept selection of underwriters or marketing the schedule of exposures.GuidelinesThe following recommendations are guidelines to aid acting school administrators in offsetting fiscal losses caused by major disasters.The recommendations, based on the findings and conclusions of the study were divided into two categories: (I) pre-disaster action and (2) post-disaster action.I. Pre-disaster Action:A. Conduct a complete inventory of educational property initially.1. Attach a replacement cost of each category of property to the inventories.2. Update the inventories at least once each year.B. Have all educational facilities evaluated by professional appraisers.1. Subsequent inventory reevaluation should be conducted by professional appraisersannually.2. Inventories should be maintained under custodial care in a safe guarded place,protected from storm and fire.C. Use updated appraisal inventory as a basis for the purchase of necessary disaster insurance coverage.D. Utilize risk managers, professional appraisers, and insurance underwriters in preparing blanket insurance coverage as dictated by Inventories II.Post-disaster Action:Design a hazard survey chart to determine the losses and particular areas effected. B. Ascertain to what extent the losses are covered by insurance.Use immediate means and agencies to offset fiscal loss due to disaster. D. Immediately set about planning for reestablishing the educational curricular instructional programs.Recommendations for Further ResearchThe following recommendations for further research were generated as a result of the findings ofthe study.1. Research should be conducted to determine attitudes of school boards about allocating resources for the purchase of sufficient insurance to offset fiscal losses resulting from man-made or natural disasters.2. A study should be conducted to determine what school administrative courses should provide preparation for school administrators in insurance programming and the marketing of insurance schedules.3. A similar study with a broader based sample should be undertaken to validate and/or improve upon the guidelines for school administrators generated from this study.

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The purposes of the study were to: (1) compare the cost-loss ratio of selected Indiana school corporations in physical property insurance coverage; (2) review the established self-insurance funds that provide protection for public school property; (3) form a hypothetical self-insurance fund for the protection of the physical property of Indiana school corporations; and (4) to determine if a program of self-insurance by means of a funded reserve was feasible as an alternative for the protection of physical property.The method of investigation included the gathering of data by means of a developed questionnaire from selected Indiana school corporations having 10,000 students or more during the years 1969-70 through 1973-74. Evaluation was done by computing cost-loss ratios from the data. A review of operating self-insurance programs was made and a model plan of self-insurance for the public schools of Indiana was presented based on criteria of the operating funds and the experiences of the Indiana school corporations.The data were reported under the following divisions:1. The money expended for insurance premiums for the protection of physical property.2. The appraised value of the property insured.3. The method used to arrive at the valuation.4. The amount of money received from insurance companies as indemnity for loss of physical property.5. The difficulty encountered in obtaining insurance coverage for the school property.6. The method used for purchasing school physical property insurance.The data were treated normatively using percentages and tables. The findings of the study are as follows:1. The ratio of claims paid to the premium costs of insurance was 15.22 per cent for the five-year period.2. Twenty-nine per cent of the school corporations used the insurance company engineer to appraise the value of public school property; 29 per cent used the professional appraisal company; 17 per cent made use of architects; and 13 per cent used a committee to determine the insurable value of the physical property.3. Seventy-five per cent of the administrators reported that competitive bids were used for purchasing insurance. However, 25 per cent used other methods of placing the school property insurance.4. Most of the administrators, 87.50 per cent, reported having no difficulty in placing the coverage for the protection of their physical property; however, 12.50 per cent experienced difficulty in finding a company willing to insure the property.The findings of the study support the following conclusions:1. A considerable cash reserve would be available for educational purposes, other than the payment for insurance premiums, if the school corporations in the study had formed a selfinsurance fund during the 1969-70 school year and maintained the fund for the five-year period.2. All of the state self-insurance funds are operating with sufficient reserves to meet operating expenses and pay loss claims as they occur.3. Insurance costs for the public schools in states with operating self-insurance funds varied from no costs to 68 per cent of insurance bureau rates.4. Economically, a self-insurance fund would be feasible for the public schools of Indiana.The findings and conclusions of the study support the following recommendations:1. A self-insurance fund modeled after the one presented in this study should be developed and presented for consideration by the Indiana General Assembly.2. The General Assembly should provide a reserve for the fund during the first years of operation to insure solvency.3. The fund should operate on sound insurance principles and should be free from political pressures.

Thesis (Ph. D.)--University of Wisconsin--Madison, 1960. / Typescript. Vita. eContent provider-neutral record in process. Description based on print version record. Includes bibliographical references.

A study to consider loss ratio on insurance policies carried by school districts in Texas. The purpose is to identify better methods for school insurance. An attempt to compare the cost of administering insurance in Texas and South Carolina.