Article: Proof of loss: adjusters "ear" all about expedition's yak loss.(UPFRONT: News, Updates and Other Emerging Strategies from Around the World)

It's one thing to lose a yak crossing a Himalayan gorge. It's quite another proving the loss to an adjuster working for an insurance carrier or broker thousands of miles away in a windowless cubicle--as mountaineer David Breashears explained in a keynote address at the recent conference of the Vermont Captive Insurance Association.

When Breashears and his team lost a yak transporting supplies to base camp at 17,000 feet during a 1996 expedition to Mt. Everest, the team had to file a $250 claim for the animal and a $150 for the saddle.

The hapless yak lost its footing and plunged hundreds of feet through a narrow gorge, landing in a river fed by ice-cold ...

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