Memorial Day is a special time to remember those men and women who have given their lives during service in our country’s military. A History Channel has this note about the beginning of this special holiday:

In May 1868, General John A. Logan, the commander-in-chief of the Union veterans’ group known as the Grand Army of the Republic, issued a decree that May 30 should become a nationwide day of commemoration for the more than 620,000 soldiers killed in the recently ended Civil War. On Decoration Day, as Logan dubbed it, Americans should lay flowers and decorate the graves of the war dead ‘whose bodies now lie in almost every city, village and hamlet churchyard in the land.’


After the war Logan, who had served as a U.S. congressman before resigning to rejoin the army, returned to his political career, eventually serving in both the House and Senate and was the unsuccessful Republican candidate for vice president in 1884. When he died two years later, Logan’s body laid in state in the rotunda of the United States Capitol, making him one of just 33 people to have received the honor. Today, Washington, D.C.’s Logan Circle and several townships across the country are named in honor of this champion of veterans and those killed in battle.

Do property insurance policies cover property destroyed during war? The answer is almost always “no.” As noted in an excellent IRMI article, “Special Causes of Loss Form: War and Military Action Exclusion,”1 property insurance policies have a “War Clause” exclusion that will look something like this:

f. War And Military Action

(1) War, including undeclared or civil war;

(2) Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or

(3) Insurrection, rebellion, revolution, usurped power, or action taken by governmental authority in hindering or defending against any of these.

While you enjoy your Memorial Day Weekend, please take a few moments to give thanks to those who gave the greatest sacrifice so those of us could live in freedom in this great country, the United States of America.

Tomorrow afternoon at 2 PM EST, I will be with Kelly Kubiak on a livestream event regarding Examinations Under Oath. I hope you can attend.

Thought For The Day

If you are able, save for them a place inside of you and save one backward glance when you are leaving for the places they can no longer go. Be not ashamed to say you loved them, though you may not have always. Take what they have left and what they have taught you with their dying and keep it with your own. And in that time when men decide and feel safe to call the war insane, take one moment to embrace those gentle heroes you left behind.
—Major Michael Davis O’Donnell, January 1, 1970
1 Special Causes of Loss Form: War and Military Action Exclusion. IRMI (subscription required)