Heh. There is a possibility of the clusterfuck that you've described. Generally those are triggered because of the policy exclusions and policy wording that isn't perfectly clear. In this case, however, the chances of that happening are diminishingly small given the high profile of the loss. That said, there was a huge case over the WTC loss. The building owner maintained that it was two separate events (effectively meaning that each insuror would pay twice), and the insurance carriers alleged that it was one. The courts eventually found for the owners.
Given the Federal promises, I doubt that will be allowed to happen here.
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