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Editor’s note: Steve Mortensen is an executive general adjuster for the Chubb Group of Insurance Companies.

After a fire sparked by a heater in a luxury box tore through the Fifth Third Ballpark — home to the West Michigan Whitecaps baseball team—hosting opening day seemed less like a reality and more like a dream. It didn’t help the Detroit Tiger’s Single A minor-league affiliate that the blaze occurred during one of the coldest winters Michigan had experienced in more than 30 years.

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