Citizens on the Tornado Scene

The Insurance Journal reports:

Citizens Property Insurance Corp. opened a mobile claims center in Pensacola today to help policyholders with property damaged by tornadoes that ripped through the area, a Citizens official said.
* * *
The center is located at Pensacola's Cordova Mall on North Ninth Avenue.

All claims will be denied on the grounds it was "ripping" and not "wind" that did the damage. Three years from now the Florida Supreme Court will agree. "Insurance companies always are reasonable," the court opinion will say. "They are our friends. But ripping is a distinctly different risk than wind. The homeowners should have purchased ripping insurance."