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Reader Backs FC&S On Columbine To The Editor:

I wanted to thank Michael K. McCracken for his response to the reaction to the Columbine insurers settlement in his “FC&S On Lines” column of June 11, headlined: “Why Homeowners Policy Covered Columbine.”

I have personally witnessed losses where coverage was denied because the contract did not provide for the loss. Even in the presence of an outpouring of sentiment for the unfortunate individual by the community, the industrys reaction has been to follow the terms of the contract. If we dont use personal feelings to apply coverage, we cannot use personal feelings to deny coverage.

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