Revealing the Dark Secrets of Category 3 Water Exclusions

By David Dybdahl

Category 3 water is classified Category 3 because it is grossly contaminated with pollutants including fungi and bacteria. Universal exclusions in property and liability insurance policies for losses related to fungi/bacteria automatically apply to Category 3 water losses because of the bacteria and/or fungi in the water. Insurance coverage gaps for losses associated with Category 3 water can be filled using the same risk management tools and environmental insurance products created for fungus/mold risks in 2003.

If a loss involves a minute quantity of Category 3 water, the entire loss is likely excluded or severely sublimited through the effects of universal fungus/bacteria exclusions in liability and property insurance policies. Because water intrusion losses are so prevalent in the built environment, they have loss content approximating half the losses caused by the peril fire. A significant part of all water losses involves Category 3 water in some way.

For this much insurance coverage to be eliminated without a whimper of protest from the affected stakeholders, there must have been a Special Forces unit of the insurance industry operating out of a secret underground bunker. Those Special Forces commandos were ordered by the top brass in the insurance industry to eliminate insurance coverage for Category 3 water on millions of water damage insurance claims. To have such a broadscale effect on an entire industry, the Special Forces unit actively coordinated its activities with specially trained covert operatives in insurance companies on a countrywide basis to protect the financial performance of the insurance companies for which they worked. The Special Forces accomplished their mission over 4 years, without detection, by using the best available stealth technology in the business world. Nobody knows where this Special Forces bunker is because it is a dark secret, closely held by the insurance companies that the Special Forces protect.

This is one explanation of how Category 3 water losses were excluded or severely sublimited on hundreds of millions of insurance contracts without being detected by insurance regulators, insurance buyers, claim adjusters, or the insurance distribution system. The US military could take lessons from secret Special Forces operations in insurance companies on how to operate in full daylight to accomplish a covert mission affecting millions of people and remain undetected for years.

Read More Here

400 thoughts on “Revealing the Dark Secrets of Category 3 Water Exclusions

  1. The Speech Profile Manager application will work only if the speech application and the speech feature is installed and running, if required, it will check to see if Windows Speech will be installed and running. If not it will prompt you to do so.

    NOTE that:
    The Speech Profile Manager application is still in beta, there is some changes on how profiles will be described and we are having an issue to import profiles to already written profiles, in this case the program will not backup those profiles

    6add127376 valeerr

  2. Find more details on how-to.

    Note: this software is copyrighted by its developers. It is for Pc clone software evaluation and the license and installation of the program are subject to the terms and conditions of the license agreement. The program is for evaluation purposes only and it must not be resold or made into a commercial product.

    Key Features:

    Blocking access to your desktop: After setting up the password the user is not allowed to access the desktop unless he

    6add127376 rosaham

  3. all icons designed with pre-made sepia and gray tones.
    —The included icons are not an exact replica of the Vista controls. All icons have a flat style and have been designed for readability and visualization. Design approval for the use of these icons must come from the people that commissioned them. Commercial use and/or resale in any way is prohibited.—
    Please read the License License Agreement before downloading the zip folder.
    License Agreement README:
    Licenses Info READ

    6add127376 felmil

  4. period
    Hope you find this useful for your future projects. Good luck!Speaker to Muslim Community: Tell Congress American Is Not a Racist, We Love Muslims

    Call to Action Key Highlights: After the attack in San Bernardino, the current U.S. administration has been sending the dangerous message to Muslims that they are not good Americans and that attacks against them will be regarded as justifiable. We can’t wait for another attack, or for another shooting at the San Bernardino

    6add127376 goodjane

  5. Having said that, it’s still a great tool for freeing up RAM.

    File uploading and processing with gParted

    I have a problem with uploading a working image to the imgur site from Ubuntu 13.04 via gparted. I switched off network by pressing ‘wlan’ button on my Dell XPS 15z, then back to ‘wired’ and tried to upload’myimage.jpg’. But I’m not able to do that

    6add127376 jaylwill

  6. It also adds one-time and strong passwords in passwords list.
    Key Features:
    Create passwords that strongly resist cracking of unauthorized users;
    Create passwords that require minimum characters;
    Support for new TrueCrypt version: 4.2 (KeyCycle encryption algorithm);
    Strong and one-time passwords generated;
    Password change management tool: the programm permits you to change one password or several passwords quickly and simultaneously;
    Scramble TrueCrypt container words and passwords to make them even more

    6add127376 marrroza

  7. It will be a great addition to your life on a daily basis.
    Platform: Windows

    Rayboo is a powerful video chat application that packs a lot of features into a small package. Starting with free open source (GPL) software, they provide an easy-to-use system that allows you to charge a small yearly fee for additional features and additional storage for your personal videos.
    For free users, you can add 10 minutes of storage for free each month. After ten minutes

    6add127376 dorgian

  8. Built on AutoIt, this is the fastest and easiest Visual Basic Control GUI Autohotkey script interpreter and editor software on the market, it is the most powerful ever, it suports many AUT0-AUT3 screens, use the arrows to move around and is very fast, most of the time it is just adjusting your mouse cursor to act as a slotbar or typing or movement in the background.

    CodeCoach Professional


    6add127376 melanel

  9. However, in order to keep the learning curve low, it is suggested that you start with the included tutorials. the fun of exploring the world.

    My Netgear wireless adapter is a BT4100 according to its IP, from Postman I cannot seem to re-register it!

    I am constantly losing internet access due to my constant connection interruptions from BT engineers.

    i have installed the sticky proxy on the server doing all the internet fixes whilst onsite


    6add127376 palros

  10. Free MP3 to M4A AAC Converter

    Love iTunes in Windows? Well, now you can convert your iTunes files to M4A format free. Get iTunes 7.0 or earlier with this free MP3 to M4A AAC Converter. If you have missed it, iTunes is the default media player software on Mac OS and Windows computers.

    How to Convert iTunes to M4A for free

    It is quite difficult to download a good iTunes converter.

    6add127376 eleren

  11. that deals with databases on a daily basis.
    After all, everyone needs the best tool for the job and DBF files are no different.
    We also offer MacOS version, make sure you check it out as well.
    Download free DBF Repair on Windows
    You can find the best DBF Repair for Windows software 2019, and you can set the price according to your requirements.

    The 7 Best Open Source Remote Access Programs

    Whether you want to remote into your computer from

    6add127376 bibizid

  12. The tool did a good job of managing both email addresses and URLs, and features a well-organized and intuitive control panel.
    All in all, Dynamic IP Tracker is a reliable and affordable utility that can be useful in many different situations.
    Bottom line
    This simple tool was created by Elite Internet, a digital marketing agency established in 2011. The purpose of the developers is to provide a wide variety of software solutions to its client companies across the globe, specifically to improve the user experience.

    6add127376 lyvgar

  13. · Does not support.Net Compact Framework.
    · Multiple sessions are not supported.
    · Form fields are limited to 7 characters.
    · Some functions do not change the state of SSO (Single Sign-On)
    · Session policy restrictions are enforced.
    · Does not support Object method calls.
    Experience Central. From the Home screen, there is an ‘Experience’ button in the main menu. Expand the ‘Experience’ icon to see new and updated features of Seekford Solutions

    6add127376 tallide

  14. Missing that PSACL7 descriptor table signature

    The dfac library on ports/arm/gcc for pdc does not exactly work well. If you use the LDFLAGS -T lpdtlib arg pdc is will start the assembler on a lpdtlib entry while the qualifier should at the gcc output of the compiler.
    I was trying to work on a bzImage there at the OE version 2.3.1. When you start

    6add127376 mikliz

  15. Given its vast collection of features and unique capabilities, GOM Player surely deserves a place amongst the most popular media player of today, that comes with a simple and intuitive user interface.Alur, Belgaum

    Alur is a census town in Bijapur taluk of Belgaum district in Karnataka state, India with 6238 inhabitants as per 2011.
    Alur belongs to Savanur division and Belgaum division.

    is the

    6add127376 rhyadel

  16. .

    When you apply these MSN messenger shortcuts, you will be able to control some messages by using menu settings. It is easy for all users who want to customize MSN messenger. And it will help you to organize your icons as well as chat window.

    Owing to this MSN messenger aqua shortcuts, you will be able to use MSN Messenger instantly.

    4. Easy to install the addons manually or scan them using ES File Explorer.


    6add127376 zepincr

  17. Highlights
    Lite version is available
    Available on Windows, Windows Store, and Windows Phone Store
    No software installation is required
    Was well received by Google Play Store
    The same software can be used on Windows 7, 8 and 10
    You can listen to Podcasts from The Springwise Show
    Plenty of other features that you can explore via the user guide 05e1106874 audsha

Leave a Reply

Your email address will not be published.

You may use these HTML tags and attributes:

<a href="" title=""> <abbr title=""> <acronym title=""> <b> <blockquote cite=""> <cite> <code> <del datetime=""> <em> <i> <q cite=""> <s> <strike> <strong>