Re: Pams lightning

Oh Pam, I'm so sorry for your friends & their loss.  They will be  in my 
thoughts and prayers.  I hope they were properly (& fully)  insured for both the 
value of the contents, inventory & had business  interruption loss coverage 
(ie, loss of profits during the period after the  fire until business is resumed).
 
I have a case where there was a bad fire at a commercial building and one  of 
the tenants (not my client) DID NOT fully insure his inventory.  He  claims 
it was all worth well over a million dollars, yet he was only  insured for 
$250,000 -- and that's all he got for the contents.  He got a  little more from 
the insurance company for business interruption loss (he had  that coverage as 
well).
 
Your friends should retain a public adjuster to represent them with the  
insurance company.  The public adjuster, for a small percentage of the  amount of 
money eventually recovered from the insurance company, will examine  their 
business and value it as high as legitimately possible for contents,  inventory 
and business interruption loss (if they had that coverage).  If  the insurance 
company decides to cover the loss and pay out on the policy, the  insurance 
company will lowball them for the value of that.  The public  adjuster would 
represent your friends and negotiate with the insurance company  to get the 
insurance company to pay as much as possible.   
 
Eva
Long  Island, NY
Zone 6/7

Honor our dead.  Demand the  truth. _  http://www.afterdowningstreet.org/_ 
(http://www.afterdowningstreet.org/) 
What is the Downing Street Memo?_  
http://democracyforamerica.com/memo_movie.php_ (http://democracyforamerica.com/memo_movie.php) _  
www.downingstreetmemo.com_ (http://www.downingstreetmemo.com/) 

 
In a message dated 7/14/2005 7:40:07 P.M. Eastern Standard Time,  
gardenqueen@gmail.com writes:

Well I  thought about that too David.  I think they have them at  the
house.  Usually wind and hail give more trouble around here  than
lightning.  And our electrical lines are above ground also.   As far
out as we are, I suppose I should be grateful we have electricity  at
all!   Went by there again today, what a mess.  And the  insurance
company is being really nasty, calling for an investigation and  acting
like they torched the place.  They are not happy campers.   Sigh.

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