The design is the responsibility of the engineer... to the point that he needs to know what the typical worst case is and build for that. If his design is inadequate then the owner would have recourse to sue him... and that has happened in this general area. Again... my assumption here is that the design ~will~ be adequate for local conditions... and if for some reason it did collapse, insurance should pay. Those are the one in one million cases. If someone allowed 6' of snow to accumulate on a roof, saturated with water... then that's there own damn fault. The engineer can't anticipate or reasonably build for that neither should insurance be expected to cover it. With our coverage we have collapse for wind but snow load is different coverage and they inspect every building on a per case basis for both. Actually they inspect electrical and heat sources annually as well and if it doesn't meet their specs (which are tighter than code in some cases)... you get a letter and a date for rectification... or they remove that building from coverage.
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Today's Featured Article - Usin Your Implements: Bucket Loader - by Curtis Von Fange. Introduction: Dad was raised during the depression years of the thirties. As a kid he worked part time on a farm in Kansas doing many of the manual chores. Some of the more successful farmers of that day had a new time saving device called a tractor. It increased the farm productivity and, in general, made life easier because more work could be done with this 'mechanical beast'. My dad dreamed that some day he would have his own tractor with every implement he could get. When he rea
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