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				<h3>Select an Issue of <em>Adjusting Today</em></h3>
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																	<option value="https://adjustersinternational.com/publications/adjusting-today/business-interruption-coverage-times-three/" title="3048: Business Interruption Coverage Times Three: Prepare for Overlapping and Contrasting BI Provisions under Property, Equipment Breakdown and Cyber Policies">3048: Business Interruption Coverage Times Three: Prepare for Overlapping and Contrasting BI Provisions under Property, Equipment Breakdown and Cyber Policies</option>
																			<option value="https://adjustersinternational.com/publications/adjusting-today/being-a-named-or-additional-insured-not-always-necessary-for-coverage/" title="3047: Being a Named or Additional Insured Not Always Necessary for Coverage">3047: Being a Named or Additional Insured Not Always Necessary for Coverage</option>
																			<option value="https://adjustersinternational.com/publications/adjusting-today/understanding-improvements-and-betterments/" title="3046: Understanding Improvements and Betterments: Be Mindful of Lease and Insurance Provisions">3046: Understanding Improvements and Betterments: Be Mindful of Lease and Insurance Provisions</option>
																			<option value="https://adjustersinternational.com/publications/adjusting-today/vacancy-occupancy-clauses-protective-safeguards-endorsements/" title="3045: Vacancy/Occupancy Clauses; Protective Safeguards Endorsements">3045: Vacancy/Occupancy Clauses; Protective Safeguards Endorsements</option>
																			<option value="https://adjustersinternational.com/publications/adjusting-today/business-personal-property-of-others/" title="3044: Business Personal Property of Others: Insuring It Properly Involves Many Considerations">3044: Business Personal Property of Others: Insuring It Properly Involves Many Considerations</option>
																			<option value="https://adjustersinternational.com/publications/adjusting-today/sue-and-labor-clauses/" title="3043: Sue and Labor Clauses: The Basis for Mitigating, Expediting and Other Policy Provisions">3043: Sue and Labor Clauses: The Basis for Mitigating, Expediting and Other Policy Provisions</option>
																			<option value="https://adjustersinternational.com/publications/adjusting-today/difference-in-conditions-coverage/" title="3042: Difference in Conditions Coverage: What Is It and Who Needs It?">3042: Difference in Conditions Coverage: What Is It and Who Needs It?</option>
																			<option value="https://adjustersinternational.com/publications/adjusting-today/earthquake-insurance/" title="3041: Earthquake Insurance: What's Your Exposure?">3041: Earthquake Insurance: What's Your Exposure?</option>
																			<option value="https://adjustersinternational.com/publications/adjusting-today/coinsurance-insurance-to-value-revisited/" title="3040: Coinsurance/Insurance to Value Revisited: An Essential Concept in Property Insurance">3040: Coinsurance/Insurance to Value Revisited: An Essential Concept in Property Insurance</option>
																			<option value="https://adjustersinternational.com/publications/adjusting-today/insurance-coverage-for-collapse/" title="3039: Insurance Coverage For Collapse: How Has It Changed and Why?">3039: Insurance Coverage For Collapse: How Has It Changed and Why?</option>
																			<option value="https://adjustersinternational.com/publications/adjusting-today/increased-cost-of-construction-coverage/" title="3038: Increased Cost of Construction Coverage: Understanding the Complexities of this Important Protection">3038: Increased Cost of Construction Coverage: Understanding the Complexities of this Important Protection</option>
																			<option value="https://adjustersinternational.com/publications/adjusting-today/builders-risk-insurance/" title="3037: Builder&#8217;s Risk Insurance: Specialized Coverage for Construction Projects">3037: Builder&#8217;s Risk Insurance: Specialized Coverage for Construction Projects</option>
																			<option value="https://adjustersinternational.com/publications/adjusting-today/margin-clauses-making-agreed-value-options-extinct/" title="3036: Margin Clauses Making Agreed Value Options Extinct!">3036: Margin Clauses Making Agreed Value Options Extinct!</option>
																			<option value="https://adjustersinternational.com/publications/adjusting-today/equipment-breakdown-insurance/" title="3035: Equipment Breakdown Insurance: Too Important to Ignore!">3035: Equipment Breakdown Insurance: Too Important to Ignore!</option>
																			<option value="https://adjustersinternational.com/publications/adjusting-today/soft-cost-or-delay-in-opening/" title="3034: Soft Cost or Delay in Opening: Insure for the Potential Exposure">3034: Soft Cost or Delay in Opening: Insure for the Potential Exposure</option>
																			<option value="https://adjustersinternational.com/publications/adjusting-today/flood-understanding-and-recovering/" title="3033: Flood: Understanding and Recovering from One of Nature's Worst Disasters">3033: Flood: Understanding and Recovering from One of Nature's Worst Disasters</option>
																			<option value="https://adjustersinternational.com/publications/adjusting-today/overhead-and-profit-property-insurance-claim/" title="3032: Overhead and Profit: Its Place in a Property Insurance Claim">3032: Overhead and Profit: Its Place in a Property Insurance Claim</option>
																			<option value="https://adjustersinternational.com/publications/adjusting-today/the-effect-of-the-sale-of-a-commercial-property-on-a-pending-insurance-claim/" title="3031: The Effect of the Sale of a Commercial Property on a Pending Insurance Claim">3031: The Effect of the Sale of a Commercial Property on a Pending Insurance Claim</option>
																			<option value="https://adjustersinternational.com/publications/adjusting-today/pair-set-match-replacement-of-undamaged-hotel-furnishings/" title="3030: Pair, Set and Match: Replacement of Undamaged Hotel Furnishings Ensuring a Uniform Look">3030: Pair, Set and Match: Replacement of Undamaged Hotel Furnishings Ensuring a Uniform Look</option>
																			<option value="https://adjustersinternational.com/publications/adjusting-today/measuring-the-business-interruption-period/" title="3029: The Length of the Road Back from Disaster: Four Rules for Measuring the Business Interruption Period">3029: The Length of the Road Back from Disaster: Four Rules for Measuring the Business Interruption Period</option>
																			<option value="https://adjustersinternational.com/publications/adjusting-today/make-the-most-of-an-underinsured-loss/" title="3028: How to Make the Most of an Underinsured Loss">3028: How to Make the Most of an Underinsured Loss</option>
																			<option value="https://adjustersinternational.com/publications/adjusting-today/hurricanes-and-windstorm-coverage/" title="3027: Hurricanes and Windstorm Coverage: Case Studies and Coverages">3027: Hurricanes and Windstorm Coverage: Case Studies and Coverages</option>
																			<option value="https://adjustersinternational.com/publications/adjusting-today/functional-replacement-cost/" title="3026: Functional Replacement Cost: History and Application of Available Coverages">3026: Functional Replacement Cost: History and Application of Available Coverages</option>
																			<option value="https://adjustersinternational.com/publications/adjusting-today/valuable-papers-and-records/" title="3025: Valuable Papers and Records: Understanding the Exposures and Available Coverage">3025: Valuable Papers and Records: Understanding the Exposures and Available Coverage</option>
																			<option value="https://adjustersinternational.com/publications/adjusting-today/salvage/" title="3023: Salvage: Dealing with Damaged Inventory After a Loss">3023: Salvage: Dealing with Damaged Inventory After a Loss</option>
																			<option value="https://adjustersinternational.com/publications/adjusting-today/concurrent-causation/" title="3022: Concurrent Causation: History of the Concurrent Causation Theory">3022: Concurrent Causation: History of the Concurrent Causation Theory</option>
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									<h1 style="font-family: 'Open Sans', Helvetica, Arial, sans-serif;">Hurricanes and Windstorm Coverage: Case Studies and Coverages</h1>
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						<p>coasts must always ready themselves for the possibility of future damaging storms. In the aftermath of a hurricane, many priorities come to mind, but primarily protecting your property, getting your business back up, and recovery in general are paramount. Just like boarding your windows before the hurricane, understanding your insurance policy long before a disaster strikes is essential to protecting your insurable interest and ensuring a fast recovery. Having contingency plans established in advance will help you weather the storm.</p>
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<h1>Case Study:</h1>
<p class="csnote" style="background-color: #336699;"><strong><span style="color: #ffffff;">In 2001 the owners association of a Florida condominium complex comprising 20 buildings and 200 units purchased an insurance policy with a $20,000,000 limit. To save money on the premium, they opted for a five percent windstorm deductible, and every year since, they had renewed the same policy.</span></strong></p>
<p style="background-color: #336699;"><strong><span style="color: #ffffff;"> In 2004 the condominium complex was directly hit by Hurricane Charley, and every building suffered major damage to the roofs and interiors of the individual units. With such excessive damages, the condominium board realized that with their overall deductible set at five percent of the policy limit, the first $1,000,000 for mandatory repairs was expected to come from the coffers of the association. Saving a few thousand dollars in premiums over the past four years had resulted in more than a half million dollars in deductible costs. The condominium board was then faced with the difficult task of assessing each unit owner for their share of the deductible.</span></strong></p>
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						<p>The case studies included in this issue provide examples of potential exposure insureds may discover. If any of this information raises a red flag in relation to your coverage or risk, call your insurance broker or consultant to determine how you can better insure your financial interests.</p>
<p><strong id="WPD">WINDSTORM PROPERTY<br />DEDUCTIBLE</strong><br /><span style="color: #006699;"><em>Is it 2, 3, or 5 percent<br />of my policy limit?</em></span><br />When hurricanes make landfall and wind causes the initial structural damage to a property, such as blowing off the roof or knocking out windows, the cause of loss is classified as windstorm. Windstorm damage often opens the door for massive amounts of water and debris to cause further damage to a structure. Unlike other causes of loss, such as pipe breaks or fires, which have a preset, fixed</p>
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						<p>deductible, the deductible for a windstorm loss amounts to a percentage of the overall policy limit. Even though these percentages may seem small—either 2, 3 or 5 percent—these percentage deductibles can add up quickly and put a serious strain on your financial recovery.</p>
<p>One way to mitigate such issues is for property owners to purchase a buy-back deductible. This is supplemental coverage that allows policyholders to forfeit paying a deductible by opting to pay an additional premium.</p>
<p><strong id="MOLD">MOLD</strong><br /><span style="color: #006699;"><em>Is it covered? Is it excluded?<br />Is it capped?</em></span><br />Any time water enters a building, there is a potential for mold, whether it comes from a windstorm or from a simple pipe break. Regardless of your insurance coverage, the first step to</p>
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