Jean Niven and I were discussing her climbing atop a New York roof loss and then we shifted to a discussion of hail damage claims in McAllen, Texas where she is also litigating. She mentioned that she developed evidence of animals and birds killed by the thousands in Texas hailstorms. I quickly went to a Google search and found an article talking about Jean’s  McAllen, Texas hail storm losses showing a video about Hundreds of Birds Billed During McAllen Hail Storm.

I then started thinking about the stupid New Jersey Ducks in my post Winter Claims Question: What Do Ducks on Ice in New Jersey and Chip Merlin Have in Common? and how bizarre it must be to watch your friends picked off in flight or die from things you cannot understand or predict. I also noticed how many other storms we are involved with where a natural tragedy occurs, such as in Arkansas where a video claimed that “5,000 Birds Fall Out of Sky in Arkansas Town:”

Many insurance companies and their experts claim only “pea” sized hail struck. Yet, the damage to cars, trucks and other neighboring structures along with thousands of dead birds demonstrate the lies these bought and paid for hail storm “experts” intentionally made to help their clients pay less benefits than what would be owed had they been fully honest. They never state the surrounding death and destruction to other structures, wildlife, and vegetation that occur. Claims managers with profit goals know why their bought and paid for “experts” do this and how they unethically encourage this culture of understating the truth of destruction and death.

Some claims organizations encourage the Three Monkeys approach to ethics I described in “Adjustment of Claims is 100 Percent Policyholder Service–Is The Insurance Industry Providing This Service?”

“In my speech last week in Manhattan, I referred to many claims organizations as the Three Monkeys (–see no damage, hear nothing from the policyholder explaining damage, and never ever speak about all the benefits available under the policy and how to maximize recovery).”
I am proud to have Jean climbing up roofs and pointing these things out to me. She is a true champion for people and given her experience, I would have thought she would have given up climbing on roofs and advocating for the “David against Goliath ” a long time ago.

I am blessed to have so many “Davids” in our firm.

Positive Thought for the Day:

“Your time is limited, so don’t waste it living someone else’s life. Don’t be trapped by dogma – which is living with the results of other people’s thinking. Don’t let the noise of others’ opinions drown out your own inner voice. And most important, have the courage to follow your heart and intuition.”

-Steve Jobs

Talking about birds, how about these “Byrds” and a Time for Everything: