Chances are when you take a look at the photo below, you will remember seeing this imagine after Hurricane Ike. Texas Bolivar Peninsula residents, Warren and Pam Adams, evacuated for Hurricane Ike, and returned to their home the only one standing amid massive devastation. Various news reports featured their property and the Adams residence came to be known as the “Last House Standing.”

Continue Reading Resolution for Policyholders in Texas after Ike

As we have seen with the Katrina and Wilma litigation, courts will enforce the anticoncurrent causation clause, standard in most all risk and wind insurance policies. Many who suffered total losses could not fully recover because they did not have adequate flood insurance. Generally, policyholders with insufficient flood coverage limits fall into three categories:

  1. Those who did not purchase flood coverage.
  2. Those who underestimated the value of full replacement cost.
  3. Those correctly estimating replacement coverage but not able to purchase the amount through National Flood.


Continue Reading Is One Practical Answer to Many Coverage Disputes Involving Storm Surge Versus Wind to Raise National Flood Limits and Underwrite Insurance to Value Properly?

Most policyholders do not know where to find experts familiar with issues of windstorm damage. Many cannot afford to do so. Today, I am making available a client’s meteorologist report to help demonstrate that many areas in Galveston, Bolivar and Houston sustained tornado type wind events.
Continue Reading Hurricane Ike Claims Need Thorough Meteorologist and Engineering Investigations And Eye Witness Information

Texas Windstorm Insurance Association says you only have 30 days to appeal its determination of damage to your property! DO NOT RUSH TO APPEAL before you learn what TWIA is not telling you; you will give up valuable legal rights and remedies.
Continue Reading Don’t Be Fooled By Texas Windstorm Insurance Association’s Misleading Letter

(*Chip Merlin’s Note–Rocco Calaci has been a noted meteorology expert witness in the Katrina Legal Wars. After meeting him at a recent FAPIA Convention, I invited him to write a series of guest blogs. Click here to read Part 1 of this guest blog)

Is a hurricane only wind and water? (Part 2)
(Rocco Calaci)

Besides mesocyclones, there were numerous microbursts during Hurricane Ike. A microburst can best be described as strong downward (vertical) winds that result from a strong thunderstorm cell collapsing. The outflowing wind pattern is omni-directional, creating an elongated horizontal vortice along the leading edge of the winds.

This diagram obtained from the Internet (generated by the 45th Weather Squadron, USAF) depicts the wind pattern of a microburst as it hits the ground.

Continue Reading Part 2: Hidden Causes of Hurricane Damage: Meteorologist Rocco Calaci Explains That Hurricanes Are More Than Just High Winds And Water

*Chip Merlin’s Note–Rocco Calaci has been a noted meteorology expert witness in the Katrina Legal Wars. After meeting him at a recent FAPIA Convention, I invited him to write a series of guest blogs.
Continue Reading Hidden Causes of Hurricane Damage: Meteorologist Rocco Calaci Explains That Hurricanes Are More Than Just High Winds And Water

The national media can be fickle. Hurricane Ike devastated Galveston and the Bolivar Peninsula. Those communities and people in them are suffering as much as those in Louisiana and Mississippi following Hurricane Katrina. Yet, I have seen little in the national media regarding this story.

The Houston Press ran an excellent article, Hurricane Ike’s Wake, detailing the effects of Hurricane Ike. It also questioned why there is so little national media attention to the devastation. Even the charitable contributions to Hurricane Ike relief efforts has been minuscule compared with Hurricane Ike.

Continue Reading Hurricane Ike – The Forgotten Disaster