Insurance coverage disputes are often decided by laws and regulations made outside the insurance contract. Insurance companies have known this for years. They employ an army of lawyers and seemingly have an unending treasury to lobby for laws and regulations that favor insurance company interests.
(*Chip Merlin’s Note–Rocco Calaci has been a noted meteorology expert witness in the Katrina Legal Wars. I met him at a recent FAPIA Convention where he presented a speech about hurricanes. I invited Rocco to write on today’s topic after he briefly mentioned it in his speech.)
Since the release of the Saffir-Simpson Scale in the late 1960’s, it has been considered the “standard” in how hurricanes have been categorized. It is my personal opinion that the Saffir-Simpson Scale is no longer relevant due to new technologies and the fact that the estimated levels of destruction rarely match the actual destruction observed from hurricanes over the past decade.
The use of the Saffir-Simpson Scale, along with other meteorological “beliefs”, must be put aside and replaced by factual and verifiable research.…