Lake Naomi Topics: Talleyman

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	Name:	Osms -
	Subject:	Talleyman
	Date:	2/15/2007 9:51:47 AM

Remember two important things: 1. There is a precedence for the Fed case. A previous case had established that it was the responsibility of the insurance company to prove that there wasn't a loss as claimed by the insured, not that the insured had to prove that there was a loss. The insured homeowners claimed wind damage and the insurance company either falsified documents to cover up or just failed to investigate.

2. The courts didn't rewrite policy language after the fact, State Farm did. The parent company has been dragged into the court fight because a corporate policy was distributed to claims agents that required the agent to follow guidelines different and more strict than the policy contract.

These are the problems State Farm created for themselves.