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reluctantly admitted to their series of moth outbreaks at the outset that it might work to their advantage. In fact, the best they were hoping for at that point were guidelines to prevent future occurrences. Nor could I have known at the time what the outcome would be. Until all the pieces of the puzzle were established, I could not offer a complete picture. As it turned out, the moths could not have entered the plant from outdoors simply because

temperatures had never sufficiently warmed up that spring, nor could they have originated from inside of the plant as "over-wintering moths" as Snack-A-Rooney did not hold raw materials that long. That left one other possibility, the moths were introduced through raw materials from one of the suppliers.  Examination of the infested product under high magnification indicated what fraction of the product

was being fed upon by the moth larvae. If Snack-A-Rooney Inc. had not come forward when they did, the company and its insurer would not have received a claims settlement exceeding $250,000 - excluding further amounts due to business interruption coverage. cu

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CANADIAN UNDERWRITER / OCTOBER 2000