Judge in La. Rules in Favor of Insurance Companies in Flood Lawsuit
Texas / South Central News • May 22, 2006
Insurance companies are not responsible for hurricane-related flood damage if homeowners carry coverage only for windstorms, a federal judge in Louisiana has ruled in a lawsuit over dispute claims ...
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Subject: To Mark - True Indemnification Details Absolutely Do Matter
Posted On: May 24, 2006, 12:52 pm CDT
Posted By: Roger Poe
Comment:
5-24,2006
Mark,
You stated,
"roger, it doesn't matter how you want to disect the forensics of how the house was damaged.
The only thing that matters is how the policy is written".
__________
Actually Mark, don't insurers want their paying clients to 'disect' and truly understand the contract-of-adhesion / coverage stated or implied fiduciary relationship they convinced their client to become involve in?
'Discecting' structural component damage is what engineers, and experienced contractors, do everyday for insurers and ones insured, or not insured.
Imagine how ones insured could be improperly indemnified, and/or intentionally taken advantage of, if visible, or abstractly invisible, property damage was not thought about, reasoned on, and fairly acted on.
Are you an loss claim adjuster Mark?
Whether you are or not, you may find a Google search on the following interesting;
1. [Wind borne] sewawater/salt crystallization effects on (non-flood exposed) construction components.
2. Residual effects of [salty / non-salty] moisture on (non-flooded) metal / fasteners, wood / fasteners, electrical, and other construction material components.
3. Micro fracturing effects of wind / water affected construction components.
3. Tension Bending effects on wind/hail affected construction components.
(Roof clay / concrete tiles, slate, and etc. other external / internal construction components).
4. Acoustic Resonance effect principles on wind/hail/earthquake/sound/impact affected construction components.
__________
"Undamaged materials are essentially linear in their resonant response.
The same material, however, becomes highly nonlinear when damaged, manifested by amplitude dependent resonance frequency shifts, harmonic generation and nonlinear attenuation.
We illustrate the method by experiments on artificial slate tiles used in roofing construction."
__________
(Hard-to-detect broken stuff 'sounds' different compared to unbroken stuff). Universal physics constants matter Mark...
The environment, damaged stuff is in, can eventualy make undetected (or undisclosed) 'sudden and accidental' damage synthetically look like 'natural weathering, or manufacturer defects.
__________
http://www.physik3.gwdg.de/isna/talk-list-abstracts/K.van_den_Abeele1.html
http://www.aaende.org.ar/sitio/biblioteca/material/T-061.pdf
Thankfully, natural cause-and-effect laws and principles, and historical documented evidence that supports common wind/hail/moisture/fire/etc. construction material components damage, can be honestly accounted for...
...IF ones learn how to, or know others who know how to, objectively and appropriately, 'discect' and properly interpret insured or non-insured damaged properties true post-"incident" state.
rogerpoegc@yahoo.com
P.S. Unintended Consequences - Is an interesting read.
http://www.dougsimpson.com/blog/archives/000464.html
Subject: To Mark - True Indemnification Details Absolutely Do Matter
Mark,
You stated,
"roger, it doesn't matter how you want to disect the forensics of how the house was damaged.
The only thing that matters is how the policy is written".
__________
Actually Mark, don't insurers want their paying clients to 'disect' and truly understand the contract-of-adhesion / coverage stated or implied fiduciary relationship they convinced their client to become involve in?
'Discecting' structural component damage is what engineers, and experienced contractors, do everyday for insurers and ones insured, or not insured.
Imagine how ones insured could be improperly indemnified, and/or intentionally taken advantage of, if visible, or abstractly invisible, property damage was not thought about, reasoned on, and fairly acted on.
Are you an loss claim adjuster Mark?
Whether you are or not, you may find a Google search on the following interesting;
1. [Wind borne] sewawater/salt crystallization effects on (non-flood exposed) construction components.
2. Residual effects of [salty / non-salty] moisture on (non-flooded) metal / fasteners, wood / fasteners, electrical, and other construction material components.
3. Micro fracturing effects of wind / water affected construction components.
3. Tension Bending effects on wind/hail affected construction components.
(Roof clay / concrete tiles, slate, and etc. other external / internal construction components).
4. Acoustic Resonance effect principles on wind/hail/earthquake/sound/impact affected construction components.
__________
"Undamaged materials are essentially linear in their resonant response.
The same material, however, becomes highly nonlinear when damaged, manifested by amplitude dependent resonance frequency shifts, harmonic generation and nonlinear attenuation.
We illustrate the method by experiments on artificial slate tiles used in roofing construction."
__________
(Hard-to-detect broken stuff 'sounds' different compared to unbroken stuff). Universal physics constants matter Mark...
The environment, damaged stuff is in, can eventualy make undetected (or undisclosed) 'sudden and accidental' damage synthetically look like 'natural weathering, or manufacturer defects.
__________
http://www.physik3.gwdg.de/isna/talk-list-abstracts/K.van_den_Abeele1.html
http://www.aaende.org.ar/sitio/biblioteca/material/T-061.pdf
Thankfully, natural cause-and-effect laws and principles, and historical documented evidence that supports common wind/hail/moisture/fire/etc. construction material components damage, can be honestly accounted for...
...IF ones learn how to, or know others who know how to, objectively and appropriately, 'discect' and properly interpret insured or non-insured damaged properties true post-"incident" state.
rogerpoegc@yahoo.com
P.S. Unintended Consequences - Is an interesting read.
http://www.dougsimpson.com/blog/archives/000464.html