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Leland the house I inspected had a DP 1. It also had an cast iron oil fired heating stove connected to the brick chimney with a horizontal metal stove pipe; therefore I argue the smoke damage is covered as the vented smoke is traveling in the intended confine escaped.

Very well thought out response to friendly & hostile fire.

In Texas which has always had a lot of open gas heaters, that is the type that is connect to the shut off valve coming out of the wall or floor without any type chimney, this was the standard 163 line policy (NY163 line) exclusion.  SPECIFIC COVERAGE CONDITIONS

Conditions Applicable only to Smoke:loss by smoke shall be limited to loss caused by a sudden, unusual and faulty operation of any heating, disposal or cooking unit, only when such unit is connected to a chimney by a smoke pipe, and while in or on the premises described herein, excluding, however, smoke from fireplaces or industral apparatus.

Bath rooms use to have a small heater in the wall..( no smoke pipe) .that would smoke up a whole whole house with low pressure on a very cold day.

*** I will scan the old Texas Standard 163 line Fire and Lightning Policy which is three pages. If you read ever line on ever page you will never have a problem reading any fire insurance form...... ever..Homeowners, BOP, CP etc. Please send me a email and I will attached and send back.

Just 3 pages, Ray?  Can't find that anymore, can you?...try 15 to 50 plus endorsements.  Irregardless, my mentors always preached "RTFP".  How many of you have heard that before?      

Yep I think thats what I have drummed into my head also. Well I guess my offer had no value is I did not charge for the policy; therefore; I will charge $5.00 for it and all who request a copy can put $5.00 in the Salvation Pot the next time they pass a bell ringer.

Sounds like the same school!!

Ray, can you really scan that old 3 page policy?  Last I checked, stone tablets don't feed thru a scanner all that well.  Justifies the extra 5 bucks, I suppose, for wear & tear.

In addition to the previous comments there is definately subrogation potential in this claim due to the fact that there was a paid contract between the insured and Mr Clause I would be sure to send all known information about the contractor (Mr Clause) so that the insurance company can persue legal actions against the contractor to rcoup moneys owed.

Wes

The subrogation was not covered by the first adjuster, but when the 2nd adjuster inspected for the cause and origin he noticed a contract on white paper with red and green ink and ask the insured if he could read it. When reading the HOLD HARMLESS & INDEMNITY AGREEMENT the adjuster read about some risk of damage to property or person in the method of delivery in foul weather conditions signed by Mr. Insured and Mr. Clause on Thanksgiven day. The adjuster suggested subrogation not be pursued as the insurer would have to defend Mr. Clause under the HH&IA any only the lawyers would come out on top.

It seems the inside adjuster not up to speed on  HH&IA and sent it to outside council for an opinion, which confirmed what the second adjuster had recommended and the opine cost $2,000. The claims manager was upset and chewed the inside adjuster out who was PO'd at the 2nd adjuster and cut the firm off from further assignments.  This resulted in the IA chasing off the old 2nd adjuster who was let go at christmas time and no storms to go on on a very slow time for old IA who spend idle hours on the internet. Happy new year all and going to be good for me , don,t fret.

When some of the large metro cities have some roof claims this spring I think Homeland Security should be required to keep track of all the adjuster reports of bullet holes and slugs found during the roof inspection to determine if the crack down on the border security is working effectivly.

The vendors should also require the adjuster to do a complete investigation for subrogation purposes. Fines will be imposed on both for non compliance. Each vendor must have a certified mold police chief to report the non compliance violations . The bullet hole certification can only be offered by the Texas or other states reputable license schools who can meet the filing dateline of January 31, 2008 by sending a notorized letter of application to National Zhar of three day wonder schools in Costa Rica. This certification will be required to work any roof claims between February 1, 2008 and November 30, 2008; however, it will expire on January 1, 2010 and require recertification.

This certification will assure you of work this spring as many of the old crusty adjusters, who think "certifications" from the three day wonder schools are worthless will be sitting at home while you are out working.

*** Side note the fees for the certification should be very competive and I advise you to shop around for the correct credentials and be wary of mail order or online presentations as you will be acting as a quasia federal agent.

Great idea, Ray!  Pretty soon, you can run a banner promoting all of the services you have suggested and/or offered.  Maybe it could be called "Hallmark", or something similar.  Select members of CADO could buy stock in your company, and sit back reaping in the cashflow that comes from the 3-day wonders.  I will offer my services to help tutor from my barcalounger, and also help issue the certificates to those that pay the class fees.  We will build a list of those that paid, and put them on permanent standby status.  As additional ideas come up, they can enroll in those classes too.  To avoid discrimation, new students would also be accepted for a modest late enrollment fee and completion/payment of prior sessions offered.   It may be necessary, though, to rename the the mold police certification to mold enforcement regulator to avoid any legal problems such as impersonating an officer.