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Last Post 08/20/2010 9:55 AM by  Ray Hall
\We insure against risk of direct physical loss to property\
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Ray Hall
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09/26/2009 1:23 PM

This was great reading all these old "risk of loss" post. Well like all good adjusters, "get it right" has changed my opine on my post of 29March 2008. This was a house inside a small  dairy that was surrounded by flood water and about 40 holstein cows had gone to higher ground, the front porch that was not designed or intended for cows and if it were it would hold about 15 not 40. The porch and one wall had animal damage from this event.. What is the proximate cause of loss ?. The animals not the flood.

The HO does not cover flood nor does it cover damage from the insureds animals. But the insured never expected or anticipate a flood, nor did the insured expect or anticipate his small heard try to get out of the barn and on his porch. Just because the cows were owned by him does not exclude coverage as the same damage could be done by neighbor's cows, also not anticipated or expected (2 key words in risk of loss coverage)

Number 1 post.

 

 

 

 

 

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Ray Hall
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09/26/2009 1:37 PM

No. 2 post on risk of loss.

Approx. 16,000 flood claims in the Atlanta, GA area only 9% have flood coverage. This is not flood coverage but I think could be a HO-3 loss. A dwelling had about 6 feet of flood water. The water cake up slow and receded slow. The home owner finds thousands of snakes in his house when he returns.He calls a pest control company to tent the house and remove all the dead snakes, so he can began clean up from the flood. He has not have flood insurance. Is the cost of this service a direct loss under the HO-3 to effect clean up even thought clean up is not a covered peril. I say yes. The insured never expected nor anticipated an expense that was necessary for him to rebuild thier lives.

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Ray Hall
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09/26/2009 1:48 PM

Number 3 risk of loss coverage.

A  guest person or family member with an unknown undisclosed metal illness goes  berserk and does extensive damage to the dwelling and its contents.

This is three that I think are covered and my last is one that I do not think is covered.

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Odin
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10/28/2009 11:01 PM
Woody taught me that in most cases "stupidity" by an Insured is covered.....lmao....There are some exclusions that prevent stupidity, but in most cases unfortunately stupidity is a covered peril....Insane, isn't it lmao
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Linda
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11/22/2009 9:24 PM
There is an old post somewhere on CADO of a snake in the attic. (I'll see if I can't find a few of the really odd ones in the archives.) The insured decides to do his own exterminating and attempts to kill the snake by shooting through the ceiling with his shotgun. Made a heck of a mess to the ceilings but his intent was not to damage the ceilings but to kill the rattlesnake. It was covered.
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Ray Hall
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08/19/2010 8:06 PM
This goes back to my days as a young adjuster in property and was introduced to the Inland Marine policy"personal property floater" (the language was not all risk of loss..." it was all risk".... quite a bit broader and also covered mysterious disappearance.; by definition.
Lady was wearing her 3 Ct. diamond ring while washing the dishes and the stone fell into the  dishwater, made hell or a racket when the g disposer was turned on and then the noise stopped. Called plumber the next morning and the trap was removed etc. that sucker was gone.
 
The one I choked on was: A weekly bridge party with two 4 person tables. Many of the ladies wore fox stole's back then. When two of the ladies got home they realized they picked up the wrong fox stole. Both turned in claims, both just swapped stoles. The head Inland Marine Underwriter had to give me a lesson on how to handle very rich wives of very large owners of department stores or jewelry stores as we had all of them insured, it seems. Two total losses on scheduled furs that looked like the fox was kinda old when it became a stole, but had the most beautiful green eyes. I leaned something, but it was 50 years ago and I forgot what it was.
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Montana Goldust
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08/19/2010 8:30 PM
I had an insured who 's daughter came home w/ a super dooper sloopy or something of that nature. The cup developed a hole in it and the daughter was in all the main floor rooms plus the wrap around stairway up to the 2nd floor where she walked downn the hallway to the upstairs family room and then into her bedroom.
The carrier I was working for had it cleaned to no satisfaction . Then When measuring for the room breaks the carpet was in every room except the bathrooms.
The carrier went ahead and replaced all the snow white carpet in the whole house. it was high grade Wool . Good claim just took a little bit to get closed.
JERRY TAYLOR
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Ray Hall
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08/20/2010 9:55 AM
hmm , bet you did not raise your eyebrow on this one..... but you can,t disprove etc...... yada yada... yep
I have always thought at least 50% of these floor covering losses, smelled kinda yat yata, : but I have never turned one down and I don,t know any adjuster who has... Do you?. By the way these are the type that you talk over with the top hunchos.... ON  THE PHONE
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