Steve no one will be able to top this. We 6 more ,dig down folks.

The football team was drinking at the home with the parents away, and one of the stars jumped  from the outside through the single pane glass on the slider(it was real clean and had been open when he got his last fill up.).** I had section II and the property claim and both were disposed of rather quickly under the premises MP. Five more to go.

** I had both Homeowner claims**

This seems to take place up North. A deer jumps through a glass window and then tries to get out of the house and does all kind of damage to the house the baby grand piano and some real nice rugs and other expensive furniture. How do you handle the UPP this is # 5

Big old house built in the 1890's with a brick fireplace/chimney running up thru the middle of the dwelling 2 stories plus attic.  Hidden termite damage causes floor joists on main level to give way.  More than half of the chimney comes tumbling down within the chaise & piles up in the basement on top of the firebox & mantle which also fell into the hole.  The vibrations shook the walls & china cabinet, with items falling and breaking.  All covered under Coverage E Additional Coverage for Collapse.  Although this is not a named peril under Cov C, the language in Coverage E for Collapse only references covered property and does not confine it to the dwelling only.

This starts to stray off the topic a little, but you opened up the MP door Ray.  Homeowner's heavy double-wide wooden garage door got off track, and he enlisted the help of a neighbor.  While they are trying their damnednest to encourage the door back into plum, the large horizontal recoil spring snapped and a fragment of steel went into the eye of the neighbor.  Handled it under med pay, no liability factor, no suit, his sight turned out OK in the end and he kept his pants hiked up whenever in the presence of his neighbors.

I am agast.  Where are all the adjusters who were trained.... "if its not excluded, its covered"  Did they all starve out in 2006 and 2007 or did they go to work for the water suckers and learn the real meaning of of "risk of loss" and "direct physical". seems like we had two genarations of "mold adjusters" in Kentucky, Tenn, Missouri area. Is it possible the mold police put them away.

Hey gang we are stuck on number 5 of odd ball losses that would fit under this topic for payment. Seems Texas has eliminated the "foundation claims" with the HO 3 which many carriers have gone to, but the old HOB is still around. The most popular policy in Texas is the HOA(named) with RCC on building.

Do many of you folks who have been around over 15 years remember a large class of contractors who got into storm work and were trained" It (roof) was too old to repair and I total'd it out as the they had replacement cost". I think some of these guys are running the training schools today.

Most were from Texas ,Alabama-Mississippi but in the meeting I attend their arguments were: "its like working with butterfly wings"