By David Taube, The Post-Star, Glens Falls, N.Y.
Oct. 06--GRANVILLE -- The village attorney is reviewing an insurance policy after village staff expressed concerns that Granville's insurance carrier could fail to cover flood damages.
The Village Board discussed a possible lawsuit against the San Antonio-based Trident Insurance Services in executive session while meeting Monday, Mayor Brian LaRose said afterward.
Village officials had previously met Sept. 5 with an insurance adjuster, and believed they could proceed with repair estimates, village clerk/treasurer Richard "Rick" Roberts said.
The adjuster identified a $750,000 claim from damages to village property, Roberts said. The village's flood insurance covered up to $1 million in damages.
Roberts said the village's insurance covers floods, including anything from river flow to water passing through pipes for water or sewer.
But last week, Roberts said, he called the village's insurance agent, Cool Insuring Agency in Queensbury, and was informed the village was not covered.
Village engineers made a worst-case damage estimate of $1.3 million, which included athletic fields, the Slate Valley Museum and the wastewater treatment plant, where 80 to 90 percent of the damages occurred, Roberts said.
In late August, water from Tropical Storm Irene surged through the intake at the plant. The plant is built to accommodate 2 million gallons of water per day but handled 8.5 million gallons on that day, damaging automatic monitoring equipment and response controls, Roberts said.
As a result, village staffers now have to manually monitor the flow and respond when impurity levels, like the amount of phosphorous in the water, surpass acceptable thresholds, he said.
"Now we're basically operating the plant as if it was 20 years ago," Roberts said.
Village staff said Trident has dismissed the claim because the treatment plant is in a 100-year flood plain.
On Friday, the insurance agent from Cool informed the board that some portions of the claim were covered, but each location where damages occurred would need a $50,000 deductible, LaRose said. A letter from Cool also stated that the village insurance plan didn't have the extensive coverage of the National Flood Program that it needed, according to Roberts.
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