At Catastrophe Insurance Group, we try to keep things simple, which means we complicate them and then take a nap.
If you take only one thing from this, take this: a deductible negotiated by yowling is not a bug. It is the product.
The Short Version, Told Slowly
Naturally there was a committee. Naturally the committee was a pile of boxes, and naturally one box was occupied.
Our standard approach involves an exclusion for anything already on the floor, followed by a risk assessment completed from a high shelf, followed by a brief and unexplained sprint.
In summary: act confidently, deny everything, and always keep a clear route to the nearest box.
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