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 Hi Ray,

   I just want to say have a nice Thanksgiving and a great Christmas & New Year .

it's good to see you have your own opinions as we have ours. Lets move on.

I was a trainee property adjuster for Firmeans Fund in 1957. This was the time the "risk of loss and RCC form was endorsed onto the standard TX fire and EC policy. On ever loss we wrote up we had to put in the increased amount paid on the loss by paying the RCC before or after repairs. This $ amount  was used by the underwriters to determine the fair cost of this increased premium for this coverage both by peril and recoverable depreciation. Depreciation must be accurate for this purpose.

Do you really think the Tx carriers will not ask for a rate increse for winstorm losses real and fabricated wind lift (total losses) by contractors and lawyers.