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Chapter 19 & 20

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A huge amount of outrage about Grim not being covered by his homeowner’s insurance. Lots of readers wrote about this. Some of the suggestions (edited for brevity):

“The FBI is not the final adjudicator of what is terrorism or a terrorist event. If the insurer declines coverage, sue them. Local courts will decide, and I doubt six guys and a driver make this ‘terrorism’. It is simply attempted murder of a police officer.” Sorry, I think that if the FBI and Homeland Security declare it terrorism, it will take a judge who likes being overruled to rule in favor of Grim.

“Point out that the story of a faceless insurance corporation screwing a MOH holder who was targeted for murder because of his lifetime of service to his country and community is not going to play well on TV and the Internet.” Very true, but no insurance company will chance a precedent where the next attack could be much, much worse. One reader even told me that his insurance company, hereby known as Brand X, would make such an exception. I checked with my own agent, who also worked for Brand X. He confirmed they wouldn’t pay!

Anyway, enjoy!