When all parties work together in the claims process, an insured’s misfortune can have a happy ending By Phil Zinkewicz We’ve all heard horror stories regarding the property and casualty insurance industry’s claims-paying processes. Possibly the worst example is the case of the Twin Towers at New York’s World Trade Center, a nightmare that went on for years after September 11, 2001. Only recently (early 2007) was an insurance settlement was reached. To be fair to the industry, insurers on…