I always have found Dick Baxter's (president of CRS Inc.,
Monroe, N.C.) articles interesting and amusing. I write this letter
not to criticize but to add to the discussion about FM Global
[regarding "My observations of FM Global," December 2004 issue, page
23]. I see Baxter as a roofing contractor, but I think he wears
many hats that cause him to become confused. Baxter is a prominent
roofing expert and knows the ins and outs of the roofing industry.
Insurance may be outside his experience. I am not an expert,
either. I am a roof consultant. I suspect Baxter serves as a roof
consultant also even if not by name.
Baxter does not say how he was connected to "the owner of a
large office-warehouse complex who recently had a relatively large
claim against its FM Global insurance policy." Was he the original
contractor who installed/designed/inspected the roofs? I suspect he
was involved with the roofs as the original contractor. To the best
of my knowledge, FM Global is not an insurance company though
roofing contractors see it as such because of its loss-prevention
engineering and research services activities for insurance
I don't think it is worth talking about the details of the loss
claim based on Baxter's comments, but it is worth mentioning some
overall comments. Property owners who suffer loss from perils that
are covered by a casualty insurance policy and, subsequently, file
a claim will learn the following:
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