When I was 18, I got my first car: a 1968 Chevelle Malibu, a classic muscle car with a big throaty engine. I painted it black, put on racing wheels, big wide tires and Gabriel Hijackers. I got so many speeding tickets, my home state of California sent me a letter ordering me to appear at a hearing and politely notifying me that my right to operate a motor vehicle was going to be revoked for six months.

If you had a large loss come in, when would you prefer to get the call? How about 11 o’clock on a Monday morning? That’s how this case study begins – with a broken fire suppression line at a major event center in Metro Detroit.