Fire,Damages,Vermont,Ski,Resor business, insurance Fire Damages Vermont Ski Resort
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0 false 18 pt 18 pt 0 0 false false false /* Style Definitions */table.MsoNormalTable{mso-style-name:"Table Normal";mso-tstyle-rowband-size:0;mso-tstyle-colband-size:0;mso-style-noshow:yes;mso-style-parent:"";mso-padding-alt:0in 5.4pt 0in 5.4pt;mso-para-margin:0in;mso-para-margin-bottom:.0001pt;mso-pagination:widow-orphan;font-size:10.0pt;font-family:"Times New Roman";mso-ascii-font-family:Calibri;mso-hansi-font-family:Calibri;}IntroductionThe Mountain Green Ski & Golf Resort in Killington,Vermont, suffered a devastating fire loss at the end of ski season. The firebegan in an underground parking garage, burning so hot that it melted a portionof the structural steel supporting the sevenstory condo resort.Case DescriptionAs a result of the highintensity fire, the first floorcollapsed two feet and the threat of a total collapse loomed. Damage was in themillions of dollars, and business for the following ski season was threatenedif the property could not be repaired in time.List of IssuesCould Mountain Green repair the partially collapsed building and be back in business for the next season, or was demolition the only option?How would Mountain Green handle the interests of the 116 condo owners?What cleanup and mitigation efforts were covered in the policy? The elevator system was damaged, but according to the insurance carrier, replacing the elevators was not covered by the policy.The insurance carrier attempted to classify major damage to the property as preexisting.Solutions AppliedDetermined to save the building from demolition, Adjusters Internationallocated an engineering firm specializing in structural repair to lift andsuspend the building, repair the structural steel and the ground floor, andthen reattach the building to the foundation. This approach saved money andtimecritical for the resort´s reopening.Adjusters International set up a hotline for the individual condo owners, andalso handled the associations involvement in each owner claim. This streamlinedthe tenants´ claims processes with their various insurance carriers.The insurance company was reluctant to pay to clean metal surfaces. AdjustersInternational argued that, without the cleaning, the stage would be set for theinsurance company to later deny coverage for the rusting metal surfaces usingthe logic that damage was not mitigated as required. State officials agreed with Adjusters Internationals experts that the elevatorswould not be safe if repaired. Since the state would not certify the repairs,the insurance company stated this was a codes and ordinance upgrade issue, andthus, not covered by the insurance policy. Adjusters International argued thatsince no upgraded standard was required, it was not a codes mandate. Adjusters International proved that cracked tiles throughout the resort werenot preexisting. Since smoke covered all surfaces, and many cracks in the tilewere clean and white, and not covered with soot, the cracks had to haveoccurred at the time of collapse.OutcomeIn a classic case of point/counter-point, AdjustersInternational executed a well-coordinated plan to resolve disparitiesthroughout the insurance claim process. The resort was successfullyre-openedjust nine months laterin time for the next ski season.
Fire,Damages,Vermont,Ski,Resor