What is Lightning?

Flash! Flash! Flash! BANG! Its a lightning storm. The long, cold, pipe-breaking winter season is finally over. Welcome to lightning season!

For more than 6 months a year an adjuster's in-tray is often flooded with alleged lightning claims. The question is: Are they all really lightning claims?

by: Danny K. Fung

Smoke & Chemical Contamination:

Smoke is the end product of combustion. Its composition varies greatly, depending on the material being burned.

The black soot that gives smoke its distinctive colour is quite often carbon. It is produced from the burning of wood, plastic, petroleum, and other organic products. As carbon conducts electricity...

by: Danny K. Fung