T&T: A nagging question

[Rich Gano]

An old question comes to mind that always lurks in my brain when I look at
damaged boat pictures like those we are seeing as a result of Ike.

Why should an insurance company pay for any salvage or damage suffered as a
result of manifest lack of storm preparation?

As I look at the many pictures of boats in Clear Lake and Galveston, I see
things like a boat floating upright in its slip with another neighbor boat
thrown bodily up on the dock or speared by a piling.  Let's assume that a
qualified adjuster or even a panel of qualified folks examine the situation
immediately after the storm and find that the owner is guilty of not
securing the boat as evidenced by failure to stow roller furling sails, poor
quality lines, insufficient number of mooring lines/anchor, etc as well as
other nearby sound boats in similar moorings.  In such a circumstance, it
seems to me the insurance company should not have to pay - IF AND ONLY IF
THERE WAS A CLEAR UNDERSTANDING OF THIS CODICIL BEFOREHAND BY BOTH PARTIES.

Am I, who only has liability insurance because so many people refuse to care
for their property making insurance unaffordable, ignorant of an already
existing marine insurance standard?

Searching for a foxhole to withstand the incoming...

Rich Gano
CALYPSO (GB-42 #295)
Southport, FL