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Borough Reimbursed for Uninsured Pool Trailers

The trailers were destroyed in Hurricane Irene.

 

In a recent development that borough manager Tom Metzler called a “major accomplishment,” Fair Lawn’s insurance carrier will reimburse the borough for the loss of the Memorial Pool trailers destroyed in Hurricane Irene.

Metzler said the borough’s insurance would pay the full replacement value on the uninsured trailers -- initially chalked up as an unfortunate non-reimbursable loss – as well as the cost to demolish those damaged trailers and rent temporary replacement trailers, for a total reimbursement of $326,664.

Although originally portable, the trailers became functionally immobile after bathrooms and gas lines were installed underneath them. With the borough unable to relocate them for that reason, the trailers became a casualty of the hurricane. 

Just days after he took over as borough manager this January, Metzler reported to council that the borough's insurance carrier had declined to reimburse the loss of the trailers because the borough had cancelled its flood insurance on the property after the portable trailers were installed following Tropical Storm Floyd.

However, as Metzler later learned, the pool trailers had not been left uninsured out of negligence, but rather because FEMA's guidelines prohibit insuring mobile equipment.

For the past few months, Metzler has gone back and forth with the borough's insurance carrier arguing that the trailers were portable and thus the borough should be reimbursed for them.

In the end, his persistence, and that of the borough's insurance representative, paid off.

“Once our [insurance] representative received pictures where the wheels and tires and everything were still on the trailers, and he read the policy himself and he agreed, he went to bat for us," Metzler said, "which he was able to do successfully."

With the reimbursement check firmly in hand,  the borough has now received enough money back to repay the entire amount borrowed to cover losses immediately following Hurricane Irene.

“This is a significant accomplishment,” Metzler said. “I’m very, very pleased with that.”

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Related Topics: FEMA, Flood Insurance, fair lawn flood, hurricane irene fair lawn, memorial pool fair lawn, memorial pool hurricane irene, and memorial pool trailers

Tommy P

8:49 am on Saturday, June 2, 2012

Good work Mr Metzler! How about publishing all the numbers on the pool on the borough website?

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Go Figure

11:46 am on Saturday, June 2, 2012

KUDOS to Mr. Metzler. He has done more to help the Borough of Fair Lawn out of its mess in the short time he has been back than many managers did in many years. Thank you for bringing this very capable manager back to the Borough he served for so many years. It's time to stop the criticizing and start helping him solve the mess we are in. The mess took a long time to make and it will take a while to get out of, but what a great start.

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BellairBerdan

3:14 pm on Saturday, June 2, 2012

"as Metzler later learned, the pool trailers had not been left uninsured out of negligence, but rather because FEMA's guidelines prohibit insuring mobile equipment." Another accusation that proved to be false. Where are the apologies?

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SayIltLikeItIs

4:26 pm on Saturday, June 2, 2012

Bellair you cannot be so shallow as to not see that Mr Metzler is playing it safe to prevent the infantile party war!? The " apologies " should come from the past leaders who made poor decisions REGARDLESS of party affiliation.

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BellairBerdan

6:36 pm on Saturday, June 2, 2012

I made no mention of any party affiliation in that post. However, if you truly want to "say it like it is" on Jan 11 2012 it was reported in Patch "From his own research, Metzler said it appeared the borough cancelled flood insurance on the facility around 2000-2001" The anti-Dems that post here called the prior councils negligent and worse for something for which they had no control and yes, regardless of party affiliation the prior councils deserve an apology.

It isn't uncommon that insurance carriers initially deny claims. I'm glad Metzler fought and eventually got the money. I'd also think with his many prior years serving Fair Lawn he would be aware of what was insured and by whom. That's his job.

Go Figure

8:50 pm on Saturday, June 2, 2012

BB: Why would anyone deserve an apology? You quote what was said and all he said was that "the borough cancelled flood insurance on the facility around 2000-2001." It doesn't sound to me like he attacked anyone. In your partisan mindset he obviously does. We now have the answer why it was cancelled. No apologies because no one attacked anyone unfairly. As far as him knowing ALL things, I think that is just foolish. It takes time to get to know every detail of a Borough and when emergencies occur that is often the time you learn more intricate details that you never needed to know before. Give the guy a break, he is doing an admirable job in the face of unfair criticism. He is trying to find solutions -- ARE YOU?

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BellairBerdan

10:05 pm on Saturday, June 2, 2012

It was an accusation with the assumption via the article that it was uninsured out of negligence. How would you describe it? The attacks came from the people like you posting here, and still do.

Go Figure

10:36 pm on Saturday, June 2, 2012

BB: Typical response from you. I have never attacked you or anyone else. I try to present some reason and because you have a heavy partisan bias you try to cry that you are being attacked. My kids use those kind of reverse tactics, but that never solves the problems. Be a part of the solution -- not the problem!

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BellairBerdan

10:59 pm on Saturday, June 2, 2012

Thanks for the advice Go Figure! But..where did I say you attacked me? And how WOULD you describe it?

Tony Sina

12:22 am on Monday, June 4, 2012

It's nice to hear of things going right for FL! Many thanks to Mr. Metzler for his hard work during these frustrating times. Keep up the good work and fight the good fight, sir!

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LENNY

11:26 am on Monday, June 4, 2012

cut to one hard line fact here. which party was in control when this equipment was purchased and tax payers told we need this because we can move them if their is a flood. then they made the decision to fix them so they cannot be moved and the taxpayers find out after the fact. you sell it one way to make you look like a star then pass the buck when you move was a total lost. bottom line taxpayers are getting money back thank thoese who made that work.

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BellairBerdan

12:21 pm on Monday, June 4, 2012

If that is your position you do realize they are being replaced by basically the same thing in the same place, right?

readytoleave

11:48 am on Monday, June 4, 2012

maybe will all of the money mr metzler has saved the town of fairlawn he can now purchase that new car he has always wanted

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Tommy P

12:05 pm on Monday, June 4, 2012

We don't need to plunder the "savings" to do that. We are paying him $15,000 because of the "car incident", he may not be able to buy a nice new car with that, but he can lease a very nice one, on us!

LENNY

3:04 pm on Monday, June 4, 2012

BB my position is your party told us the taxpayers we can move them if a flood is coming the money is well spent then we find out different when the time came to move them. I AM NOT FOR ONE PARTY OR THE OTHER BUT WE THE TAXPAYERS GOT LIED TOO. it is time for both partys to stop this in war and work together to save our down from going down the river. I JUDGE BY WHAT YOU DO NOT BY PARTY LINES. it takes a big person to stand up to party bosses and do what is right and both sides are going by party bosses and look at the state of our town.

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Tommy P

3:41 pm on Monday, June 4, 2012

We need more people like Lenny in Fair Lawn.

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BellairBerdan

6:57 pm on Monday, June 4, 2012

Are you sure you remember hearing that from Democrats 12 years ago when the trailers were installed or did you hear that this year from the same people that said the town cancelled the insurance out of negligence, to save money and "kick the can down the road"? Then there is always the question of how movable are 10 yr old trailers that sat in the same place with the same tires when you have about 2 days notice and do you use your limited time and resources to move them or for preparations to save people.

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Tony Sina

12:55 am on Tuesday, June 5, 2012

Would it be fair to say that FEMA did not consider the trailers to be portable since Mr. Metzler had to convince them that they were?
If that's the case, it seems the chain of events would be 1) portable trailers purchased so that they can be removed easily in a flood 2a) trailers became permanent 2b) insurance was not purchased to cover the now permanent structures 3) flood 4) FEMA considered the trailers permanent, did not reimburse for damages 5) Mr. Metzler worked his magic.
Despite the behind-the-scenes splotchiness, I again commend Mr. Metzler for another job well done.

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BellairBerdan

7:21 am on Tuesday, June 5, 2012

Tony, you should really read the articles instead of just the comments. The article states that FEMA did not pay because mobile equipment is UNINSURABLE. Metzler then had to go to our own insurance company and prove they were portable. (probably not too hard since a govt entity already ruled them as such, but yes, good job taking pics of the wheels). It's more like having work done in your mouth and passing your claim between dental and medical insurances until one of them pays the claim.

Metzler was Dir of Emergency Services 1990 until he became the Manager in 2005, during which time these were purchased and installed. He later worked (and still works according to his LinkedIn) for FEMA. With all this experience and knowledge his comment when he was first rehired that his "research" showed the people who let him go were negligent set off a firestorm of criticism that has proven false. It is still my opinion that those falsely accused deserve an apology.

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Tony Sina

9:02 am on Tuesday, June 5, 2012

Bellair,
Despite the inference in your somewhat snide opening, I read the articles, I read the comments, and I read your explanation. When the trailers became "functionally immobile," it would stand to reason that they were no longer portable. Would it have then been the borough's responsibility to get insurance at that time? I only ask because I am wondering what would have happened if Mr. Metzler was not able to win on the technicality. Again, I'm reading it as portable=FEMA covered it, not portable=need insurance.

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BellairBerdan

9:35 am on Tuesday, June 5, 2012

"Would it have then been the borough's responsibility to get insurance at that time?" Good question Tony, Why don't you ask the person who was Borough Manager at the time the trailers were "functionally immoblie", Mr Metzler.

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Tommy P

9:47 am on Tuesday, June 5, 2012

Isn't the better question, why is Fair Lawn running an entertainment business that competes with the employers of 2 sitting council members? Wouldn't the private (profit or not-for-profit) sector do a better job? We loose hundreds of thousands a year on that project.

Issues like this should not be taking up the Manager's time. What's next Borough Bingo? Borough bowling? Borough strippers?

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Tony Sina

10:02 am on Tuesday, June 5, 2012

BB, Assuming it was his responsibility to purchase insurance, I suppose that would be a good question to ask of Mr. Metzler.
So if I follow your logic correctly 1) Whoever said that the people responsible were negligent owe those responsible an apology 2) Mr. Metzler was responsible, as he was the borough manager at the time and 3) Mr Metzler said that those responsible were negligent...then is it your assertion that Mr. Metzler owes HIMSELF an apology?
CHECKMATE

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Tony Sina

10:03 am on Tuesday, June 5, 2012

T-Money,
You know I love you and all, but if Borough Bingo was a thing, I'd be all over that in a heartbeat.
Borough Bowling can't come soon enough.

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Chris Antonelli

12:30 pm on Tuesday, June 5, 2012

Entertainment business? Tommy Boy, are you in the right place? None of the Council members are in the entertainment business. 2 work for the county, 2 work for the Y and one is self employed.

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BellairBerdan

1:26 pm on Tuesday, June 5, 2012

Tony, before we get into whether or not you can follow logic maybe you can explain how you gleaned "portable=FEMA covered it" from the article which states "FEMA's guidelines prohibit insuring mobile equipment."

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Tony Sina

1:35 pm on Tuesday, June 5, 2012

BB, sure thing. By the way, I apologize for kidding around with you. I forgot that the fate of the entire political system as we know it rests on your shoulders. I'll try and choose my words carefully, I know how mumbling on a local news website is no laughing matter (for you).
Well, if I am reading this correctly, FEMA prohibits mobile units from being insured.
I suspect that that does not preclude the borough from getting insurance anyway if it wanted to; it just means that FEMA would simply not cover equipment that was already insured. Admittedly, I am not an expert on the matter, but if that is correct, a mobile unit that is not insured would be covered by FEMA in the event of loss, and a mobile unit that is insured would be covered by that insurance in the event of loss. Since 1) it was not insured and 2) FEMA did not consider it mobile, FL was left holding the bag were it not for Mr. Metzler's diligence.
But what do I know, I like you am another person on the sidelines playing Monday Morning Quarterback to actual people doing real things.

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Tommy P

7:01 pm on Tuesday, June 5, 2012

Antonelli: "Entertainment business? Tommy Boy, are you in the right place? None of the Council members are in the entertainment business.... 2 work for the Y...."

"Entertainment is an action, event or activity that aims to entertain, amuse and interest an audience ("audience" can consist of one person)." -- Wikipedia

By that definition, the Y provides entertainment.

No matter how you want to look at it, its hard to make the case the pool is in any way essential. So while we are short cops, enjoy the pool, which incidentally violates N.J.A.C. 8:26 in a number of ways.

LENNY

9:44 am on Tuesday, June 5, 2012

bb does the name MR GANZ ring a bell might have miss spelled it so the answer is yes years ago. as to the tires they could have been checked over the years and the trailers could have been hooked up and moved in about an hour or less. we had enough notice on the bad weather to do that. as to savings people you are out of line as we had advanced notice and the move of trailers could well have been done ahead of time. that is a way for you to pass over the error of your friends who where running our town. lets face one true fact all this going back and forth by both sides does little to help our town and quality of life we enjoy. face and answer that fact as many see it FAIR LAWN is not the same town it was for many many years.

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Chris Antonelli

12:31 pm on Tuesday, June 5, 2012

Great! Here comes Bill Clinton.

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