Only the United States government could come up with the craziest scheme of national flood insurance. I keep trying to explain how the first-floor flood of an elevated building has only limited coverage—why do freezers get paid for but not refrigerators? It makes no sense, but God Love The USA!

Cheers to my friends for sending me the following visual suggesting it can help adjusters deciphering Byzantine national flood insurance clauses:

For public adjusters who are on the side of angels (policyholders are the only angels in the insurance business), I have been invited to make a special encore appearance to the Florida Association of Public Insurance Adjusters about how to handle complex multiple peril flood and wind claims, so those angels get all the policy benefits they are entitled. Encores are the best but do not provide the full show. Still, if you are adjusting Hurricane Ian claims and want to learn from who the New Jersey press dubbed as the Babe Ruth of Hurricane Claims,1 please join FAPIA and then sign up here. ……

Thought For The Day

You just can’t beat the person who never gives up.
—Babe Ruth
1 Chip was noted as the “Babe Ruth of Hurricane lawyers” in the Asbury Park Free Press for his work on behalf of 23 municipalities and hundreds of policyholders following Superstorm Sandy. The Tampa Bay Times dubbed him “the Master of Disaster” for his nationwide catastrophe work and helping policyholders following Hurricane Katrina.