55 ordspråk av Robert Hartwig

Robert Hartwig

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The definition of 'flood' is fairly ironclad. It's essentially water that comes from below,

The industry is largely satisfied with the way the TRIA extension has taken shape although there is some consternation over the increase in trigger. But six months ago, even the possibility of extending TRIA was looking grim.

The industry is obviously happy and grateful. It backs the most important lines -- worker compensation and commercial property.

The local, state and federal government are still at quite a distance away from a financially feasible solution. While there needs to be a way to assure the financial recovery of hurricane victims, you also need to make sure the risk is reflected in the price that people that live in high-risk areas pay.

The state of Florida is living in denial. Florida is not living up to its obligation to control growth and shows no signs of living up to its obligation.

The vast majority of people know an earthquake is likely to occur but willingly turn down the coverage. They're playing Russian roulette.

There are easily storm scenarios in New York that run to tens of billions of dollars. And structures on Long Island aren't as well built as new construction in Florida.

There's evidence that many soldiers will exhibit mental stress from their experience, and it's important for employers to monitor them, particularly if they're operating heavy machinery or driving.

There's overwhelming evidence that the 2006 hurricane season will be longer, and storms will be more frequent and intense. We could see 20 years of this.

These soldiers put their lives on the line and deserve the utmost respect. But even big companies haven't thought about their obligations to these people.

They can't get behind the wheel once without your insurance company knowing about it.

This is an insurance adjuster's worst nightmare. We're seeing tens of millions of additional damage each day and the meter is still running.

This is not a new issue in the industry. For a number of years, insurers have found it necessary to adjust their exposure in certain catastrophe-prone segments of the United States.

Typically, they want to know how many people are residents in your household. That creates a different liability situation, and you need to inform your insurance company about that.

Unless there is some rationalization of the price of insurance relative to the risk assumed, there will be continued problems of availability.

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