The Case of the Littered Links

Typically, I don’t enter contests. But there was one I just couldn’t pass up and, much to my surprise, I won the coveted prize—the chance to be the caddie of golf superstar Leopard Woods for one round at the local three-par.

I showed up bright and early on the day of the event…too early. Apparently, security has a problem when you walk on to an empty golf course at 3 a.m. and start building sand castles in the sand trap. I came back later in the morning to find a small crowd hovering next to Leopard’s stretched Cadillac. I fought my way through and knocked on the window, yelling, “Leo, it’s me, Ace Insura, your caddie for the day!” The door opened and Leo’s powerful forearm pulled me in.

Now, I’ve been inside many posh vehicles in my time: my cousin Mikey’s 1989 Ford Taurus; my Uncle Bob’s vintage Winnebago with wall-to-wall carpeting and the Hertz transport van at Washington-Dulles airport. But I was not prepared for the opulence inside Leo’s limo, which included an all-leather interior and a fully-stocked minibar with both 7-Up and Sprite.

“What’s up, Leo,” I said, admiring the new-car smell that seemed to be wafting out of the air-conditioning vents. “Are you ready to play?”

Leo looked disappointed, just like my mother looked after learning my brother had become a vegan Scientologist. “Have you seen the course?” he said. “It’s trashed!”

As I was being escorted off the premises in the wee hours of the morning, I did notice that it appeared as if the back nine was recently played by Hurricane Katrina.

“You’re right,” I said. “We should complain to the owner.”

“Uh-hum,” came a voice from Leo’s right, and suddenly I realized that a bespectacled man in a tattered blue suit was also in the back of the limo. “I am the owner. Do you know anything about insurance, Mr. Insura?”

“Do I know anything about insurance? Is the Pope Polish?”

“Actually, he’s German, but I’ll ask you my question anyway. My golf course is insured under a CP 00 10 and CP 10 30. A wind storm destroyed trees on the course a month ago, and it’s been closed ever since. Can I collect under the business income coverage?”

“Sir,” I said, helping myself to a soda, “there is no coverage for windstorm damage to trees under those forms, but you still have a few tricks in your bag.”

How is Ace going to knock this question onto the green?

For help solving this mystery and to check your solution against Ace’s, click here.

Jonathan Hermann (hermannism@gmail.com) is an IA contribution editor.