Had my very own axle problem a few years back (1978).  I was towing my pristine 1965 Oldsmobile Jestar One with the white leather seats behind the U-Haul truck as we were moving from Kentucky to New Jersey.  We were making real good time cruising down the interstate through Columbus Ohio listening to Radio Mystery Theater when suddenly I felt a rough tug on the back of the truck.  I looked in the right hand mirror and saw sparks flying.  I quickly pulled the truck over just in time to watch the car's rear wheel with axle attached roll it's erratic last 20 feet down the interstate and down over the bank.  The axle and wheel struck no other cars because the road was practically deserted (a situation never encountered in Columbus today).

I detached the car and drove the truck a couple of exits to the Howard Johnsons.  In 1978 in Columbus not every exit had open businesses late at night and some of the motels even closed after a certain hour.  I spent a few dimes on the pay phone and found an all night auto junk yard who pressed a new bearing on the axle and told me how to put it back on the car.  I was back on the road by mid day the next day. 

I know this is not a claim story at all, but since everybody was telling stories about errant wheels.........

Did U-Haul claims in the Houston Area years ago. Two females rented a large van and moved from Virginia to Texas. They just kinda took their time and the senic route and would camp out some nights in road side parks. The had a small hibachi and would do some meals. The hibachi was not completly out and set the load on fire. Seems like the cargo insurance was totaled out as I recall. I did not work the subrogation claim for U-haul and seems we did investigate under a ROR.  It also took some sorting to identify the first party, third parties and tort feasors.

This has nothing to do with wind or vehicles, it was just an oddball.  Homeowner reported possible hail damage to the roof although there hadn't been any hail in their area for several years.  So I went out expecting to find a beat up old roof.  Instead, it was a very nice home in the country with a large 2-story addition added that had a flat roof they had extended out about 25 ft to cover an open patio below.  This roof had been coated with a urethane foam system.  Mr insured informed me he had gone up to wash down the gutters and noticed the all those small holes in the foam.  It was a head scratcher because there wasn't a single sign of hail on the rest of the house.  First thought was that there had been air bubbles when it was applied, and they had burst leaving these holes.  We called the roofing company, and met again a few days later.  Just as we poked our heads up above the ladder to get on the roof, we spooked up a bevy of birds.  The roofer chuckled and said he needed to call his supplier, on a hunch about something that had happened to another dealer in a state nearby.  Turned out there had been some foam product contaminated with a grain additive or something of that nature, and birds found it to their liking.  The mfg company paid to give the roof a thin layover coating of unflavored foam.       

It was 1994 and I was doing branch assist in Atlanta when I saw my first Georgia Pacific, Cascade or some other mfg. hail damage that cause the nails to pop out of the siding and the sideing had a scab or something under the latex paint that I had never seen before.

The contractor accused me of being the dumest, hardheaded ole Texan he have ever encounted if I could not see what hail damage does to this type siding. Seems he was related to the insured who did not get into the fray. I could not swallow this line and told the parties I would report and get back. I really did not know what I was looking at, but I knew it was not a valid loss. Well it seems the carrier had just been informed THAT week about the glue and the possible recall of "masonite" siding. So all losses can not be "one shot" if you eye balls and brain can not agree.

Ahh Atlanta...seems this is also the place the thunder clap caused the double pane windows to fog up; however the pea size hail beating against the window could also cause the windows to fog or to have tiny black spec,s on the inside of the glass. Thats the kind of losses the old storm troopers get on stay behind branch assist claims.

OOps almost forgot. V & MM loss. A house on a large lot with a 5 acres pond behind the house filled with red muddy water. This insured planted some 20 gal. fruit trees down near the bank and during the night some no good so and so came along and cut three of the trees down and the insured wanted the limit on each tree. When I inspected I thought it was odd that some other trees had a section of 4 foot , 5 inch , metal AC duct snapped around them were still standing. When I looked at the part of the planted tree in the ground remaining I saw the culprit had used a sharp knife and pulled up and left the end of the trunk looking like an old timer who sharped a wooden lead pencil. I decided to walk around the pond to discover were the culprit took the trees and found them topping off the new Beaver Dam. I sent copys of my photos to insured and the carrier just kept giving me their odd ball claims for weeks on end.