Seems the jury gets upset with the carrier when the chief hired engineer changes the field engineers report without informing the author. This may be the wave of future claims as eye balls will not have any authority to give opines or write complete estimates/reports.

This will remove many of  the problems adjusters have been wrestling with for years. In no particular order.

1. It has to be damaged and you cant see it now?

2. What will happen several years from now when I go to sell my house?

3. How could all this damage be 100% flood ?

4. How could all this damage be 100% wind ?

5. When I tell you something its a fact, are you calling me a liar?