By the Spring of 2006 I had settled my insurance claims and we began planning the rebuilding process that continues to this day. The practice was overloaded with work as my flooded out construction clients were booming with rebuilding related business. I still remember that day in the late spring of 2006 when Steve called my cell phone, “The shredder truck is at (the State Farm) office”. He told me he had noticed the truck there more than once. This office like all State Farm offices in Bay-Waveland were flooded out just 7 months before.
By March of 2006 State Farm had denied most of the claims for wind coverage where there was also flood damage. In that instance, State Farm would have also previously adjusted the flood claim and paid it. This detail is worth noting now because it is important to the concept of “double-dipping” where an insurer gets to take credit for NFIP payments even if it over apportioned total damage to NFIP (more on that a bit later).
As featured in the 4th video clip of the CNN special by Kathleen Koch featured in our memory lane post, by March of 2006 angry policyholders were picketing local State Farm offices. Steve had noticed the shredder truck at one and given what had happened to the policyholders since the fall of 2005, drew the only conclusion his experiences with State Farm would let him. They were destroying evidence in advance of the litigation. To memorialize the event he bought a disposable camera and took some pictures of the truck. He gave them to Zach Butterworth. Continue reading “About that State Farm Shredder Truck……”