6 December: Driving into trouble

Aware of the effects business interruption could have on a small business, and keen to resolve the issue as soon as possible, the loss adjuster arranged a convenient date and time, in the not so distant future, to visit Mr Policyholder and assess the damage.

While the appointment was scheduled for late afternoon, the diary of the loss adjuster changed and he found himself at the shop around lunchtime.

Arriving at the scene of the incident he was greeted by Mr Policyholder who, as one imagines after being the victim of such an incident, was extremely busy. But not busy clearing away debris or reassuring customers as one would expect. No, Mr Policyholder was throwing stock from the unscathed store room at the back of the shop into the area of damage.

The loss adjuster gave a subtle cough to announce his arrival, acknowledging his presence but, not looking up, Mr Policyholder said he would be with him as soon as possible - he was just clearing out his old stock before the anticipated arrival of the loss adjuster later that afternoon.

Cue a red face to give Rudolph's nose a run for its money.

The claim was withdrawn, and renewal not invited.

Forster Orr & Greenaway

Don't forget to check back to see what's behind the door of the Post advent calendar each day.