Page 10 - Tennessee Magazine 2017 Issue 1

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' * \heur3>'u:a‘vv:s Ass: *7 —
lwai ]us'l a normal day. Joe and prmr to the tommcnccmnnt ui Up unn1 now, companies‘ eovenng
Conlmnor gor u call to do .onre your work, rnnrked all underground cxcavr1lon oitnn drd pay uulny damagc
work nnd called |n n sub for the pxopcrty1nclIIdIng,bulm.»ll1m1lvzd(U, :lr1|m~ 7 rhe word "cx:avzm.»r" rr.e1r
rrenehrng part. Evcxylhmg wr1~ all underground lmcs, prpeo, cabin or ~r1ya"d|g," .-o rr would be a me hard

gorng nuong ]us'l aw‘ uxpcctnd when, Imlmna. to deny coverage for drggrng.

"“"d““1y’ ‘M ‘“b ‘“‘1““1 ‘° "‘“‘‘° “ The Ieuer cuntmuca, "You udmed that Yer, If n 1~n't wrrrren eorreeuy, an

tum fox rhe underground power lmcs

vou drd not ger a drg rreker; tlmmiorc excavator eou1d nho find hxmsclf
The power waa knoeked out for a few —
we have no ehoree but ro advhu you without eoyeruge. Every yub dnacnpuun
hour», and rhe power cnmpanv lmd
, — rhnr rhere Is no cnvnmgc fax rhe.e carries‘ a .-peeuae eode that dererrnrne.

roreplneerhehne. whenrhepower d __ d _ Y” [b h an up “ d ‘ f Yh mp
mmback my mm Wmapuwm dirnrulguurr we mg hnxlniuc an mg el rd}: ‘co:/lLlrl:\§cr1 or nd Erl e
‘_urgunddK_bmm{hmmmhad |~caIm1.»n)uur e n uorey o ernr ee urge . Lram
clcctncal damagc, and the :lr1|manls' ‘°V“"‘F4°’ m‘ ‘‘*“‘‘‘d‘‘‘‘ ”‘"’“5,,"
damages‘ runged from a rew hundred ”“' “"“f’f :1“ ‘:"°“““l‘_°‘}"““‘ A “bi I
doudroxo over clghltllnumnd dounro. ' §‘°‘;"“ °';"‘:"1‘P,‘/ “*“‘° “°“ C’:
Your1d\'w:d 1.»IInndcpcndcntr1d]u~tcr , ““ “¥""“‘ ‘““Y ‘°"‘“‘$“"°‘
rhnr you drd nor have a locale uckct ‘ , ‘”:°":§ '',f:" :1" ”":l' {’ °1'f V ‘“'d M"
and that you had no eonrrner wrrh rhe ‘“°“ “ ‘ ‘ "W "“>
~'ubcuntIaclor." * But, xi rn rhe |nmmat oi pncc, rhe

nm above language h an mum mnlracmr told hhflagunl - all 1 do

f N f I 1 Hhangahcclmck wlmcan gcta

ronn a e er rorn nnn mna rn.urnnee h‘ _ [C MHNOT am to have
companyloacunlmcturdcnylng ‘ ‘“P‘”“ / * S F4
, tovczagc If he hm an underground
coverage [or the neerdenr It . not a
nuhry —bccau~c a ~hcct roek matallcr

normal davrmvmoxc Joe conrrneror ,

— — _ duL‘~ntd|g—r1nd rhere r. no coverage
isfacingl1ugcl1.»~sca—maybnuvunlhu b H i I I, ‘ _ t_
lmoflmbwnm, , ur m orr. mpLrn.wLmgccu.s~

what rr eoor. — just hke your ar:rv1cL‘~ do.
where u now NEW Innguuge wltlun Dom nak everyrhrng you have ro me
many pollcma ~pcc|ficalIy .rddre..-rng a rew dollan!
covcrr1guDNLYlFALDCATEHAS “V V [V d Vt 1 H“
BEEN DDNE.T}mlangur1gL‘Hdunct 3°“‘“““H>l'-“'1' :3 t‘)"‘:3’_"'-‘"1?’ “

Pnox to eornnrenerng work uohey; hove a eonrruer wrrh your ~ub~,
(1) You have errher wh.n'.- cnucally|mpunant1alhat P” ““'‘‘"F‘ 3“ “‘ “ ““T“““"‘°“‘ "‘ “““
mm“ mmpmm m “N mnlmct— havc rherr agent send you n
n) Cunuactcdthuappmpnatnlocal wmmuvfluomngmvmgum turtxfitatc of |ns'umncc nurnrng you n.
underground xoeunng .ervree, or undurgflmd “mum ‘F and ONLY Addmonal Imumd
b) yC,.5Cd.1,m1m; .,..dC,gm.,,,d IF, :1 1oe.ne haabcun euuedrn,whr1e AND
loenrrng eonrner haw‘ bccn made by dcnymg mvmsc for a claim If a ,
m.,,,1,c, Wu}, ,1m.m.p,,,..,b,;,,,,, and lotatn haw‘ anal been callnd rn. 1: your C“lE’;h“_‘l1 BFFKORE fig” DP 3 ff"
tompanyhrfldumg1lyck—lru~tmc,|t OM” < “M W0" ="'~m= * >0"
e) Thexoeunng.ervreehn.responded, W,u.,,o,,_ dent-E9
a~ Termesszzall 2017 Vssuel