It’s Unbelievably True! THE CRAZIEST OLYMPIC MARATHON OF 1904
In 1904, the year of America’s first Olympics, the men’s marathon was a bizarre spectacle to behold. In fact, it was likely the most jaw-dropping event ever in the history of the Olympic Games. On that hot, sweltering summer day in St. Louis, MO, only 14 of the 32 Olympic competitors crossed the finish line on what was deemed the most difficult course anyone was ever asked to undertake. Thomas Hicks, the American who actually came in first, received the slowest time of all of the Olympic marathons since 1896. But why was this one so tough? With temperatures of roughly 104 degrees F and 90% humidity, a rigorous 24.85-mile course with seven hills was a bit much for competitors. Not to mention, support cars were churning up dust, leaving it behind for the runners to inhale, and they only had two water stations available before the halfway mark — and none in the second half! Even seasoned runners were not up to this crazy course! Three hours and 13 minutes after the marathon began, Fred Lorz, who had ridden a third of the course in a car, crossed the finish line. He was about to be adorned with a floral wreath when he confessed he had gotten so tired that he accepted a ride from one of the cars along the way, so he was disqualified.
Thomas Hicks, the true winner, was struggling with just 7 more miles to go. His fans on the sidelines provided him with a secret energy booster mix — a concoction containing strychnine (rat poison), brandy, and egg whites. By the time he crossed
the finish line, he was hallucinating. And the fourth-place winner from Cuba wore dress pants and shoes for the entire race (because he lost his money gambling in New Orleans on his way to St. Louis and arrived after hitchhiking with nothing but the clothes on his back!).
This 1904 Olympic marathon went down in history as the most bizarre and wildly entertaining race. Luckily, but surprisingly, nobody died!
UNDERSTANDING YOUR COVERAGE WHAT DOES YOUR PROPERTY INSURANCE COVER?
So, what type of coverage is included in your plan? In most insurance policies, two types exist: one that only covers the items specifically laid out within your contract and another that is much broader. Generally speaking, coverage for specific, laid-out items tends to be more common because there is less liability for the insurance company and the coverage is more affordable for the home or property owner. However, even under the broader coverage plan, some items are still not commonly covered and require addendums.
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Poor construction or workmanship (by contractors or builders)
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Normal wear and tear
Expensive items (typically anything over $2,500)
As a homeowner, or even as the owner of a brick- and-mortar business, you likely carry property insurance to protect you in the event your property is damaged or stolen during a burglary, theft, natural disaster, or accident. After all, repairs and replacements can be costly. However, it’s not just a simple document you sign and you’re covered. Loopholes, caveats, and exclusions complicate things a bit, and it’s important to make sure you understand your policy and what it does and does not cover. You never know when you may need to use it!
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High-risk items (swingsets, swimming pools, trampolines)
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Home business assets
Now that you are aware the above-listed items may require an addendum for proper coverage, it’s important to discuss this with your insurance agent before the time comes, and you need to rely on it. Keep in mind that if you do file a claim, the process can be tricky. Enlisting the assistance of an experienced property claims attorney will ensure your needs are met. We will fight for the coverage you deserve.
These additional coverage items usually include:
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Flood damage
Mold
Pest/bug infestations
Earthquake/sinkhole damage
Nuclear accidents
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