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Nothing to See Here

ISO and carriers forms tweaking not as innocuous as you would believe

By Chris Amrhein | Updated on July 28, 2012
You’ve likely seen this scene: A policeman stands between a crowd of onlookers and a crime scene, intoning repeatedly “Move along, nothing to see here.” But he really is saying, “Plenty happening here, but let’s act like it isn’t.”

I’m reminded of this as we enter the final dog days of summer. In many areas of the country, the heat becomes so oppressive that many folks lay low in August, stay out of the heat and pursue activities no more strenuous than climbing into a hammock or watching a cork bob at the end of a fishing line in some shady creek. If late summer were voice mail, it would answer all calls with, “Sorry, I’m unavailable and unwilling to take your call right now. Don’t bother leaving a message, because I’m unlikely to return it before September.”

Perhaps that is what some folks at ISO and insurance companies hope we do instead of paying closer attention when they tweak wording and provisions in forms. Oh, nothing major or significant, mind you. Just like those policemen, except the insurance lingo is different. “No change in intent. For clarification purposes only. Really, we are just making a few editorial changes. Of course, it is remotely possible, in certain cases, these may represent a reduction in coverage, but that was certainly not our main reason.”

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