/ ABOUT THE CLAIM In the weeks following a major weather event, a commercial property owner filed a claim for damages with his insurance company. His property included a single-story main building, an additional small building of only 1,500 square feet, and a one-story detached garage. The policyholder claimed wind and hail damage to the roofs and water intrusion and...

/ ABOUT THE CLAIM / Perhaps it is only expected, normal human behavior that in the wake of a storm a property owner will assume that any damage he/she takes note of must have been the consequence of the hail produced by that storm. It is a common occurrence among residential and commercial property owners alike. This particular claim involved...