Insurance appraisal is a contractually agreed process for resolving a disagreement between the insurance carrier and the policyholder about the amount of a loss under an insurance policy. Appraisal clauses have been a feature of insurance policies in Texas for well over a century. Old Texas cases were uniform to the effect that appraisal was a method to establish the “amount” of the loss under circumstances where coverage was not in dispute, but a recent line of cases has allowed insurers to escape liability for breach of contract, attorneys’ fees, statutory and common law “bad faith,” and even liability under . In recent times, the aquaculture industry has experienced dramatic growth. The growth of the industry is a direct result of an increase in demand for seafood, and a decrease in supply from wild fisheries. The industry, however, is also experiencing growing pains. You are on vacation after all. You do not need to worry about rhyme or order to our poem. Think of your ex girlfriend; compare her to the beauty of objects such as the sunset, the ocean, or the smell of a spring breeze after the rain to name a few. Sensory words are good too; examples are: silky, smooth, flowing, gleaming, or radiant. Again, start with a very basic set up. You can always add to your kit if you feel you need to.

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