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The fourth anniversary of the 9/11 attacks reminded us that the mortal damage to the World Trade Center and adjacent buildings represented a level of destruction never experienced previously in the United States. Among other well-documented effects, the collapse of these structures gave rise to both hindsight and foresight among those who design, build, own and insure buildings. The disaster illustrated that even the tallest and apparently strongest of buildings are vulnerable, and even the deepest insurance reserves can be pumped dry. (The recent destruction caused by a natural disaster ' Hurricane Katrina ' further underscores this vulnerability.)
Landlords remain affected by the evolving construction and insurance practices, as both industries continue to assess the past in an attempt to control the future. In the weeks and months that followed 9/11, government agencies, construction experts, building owners, their insurance companies, along with the respective legal counsel of all interested entities, scrutinized in minute detail every structural aspect ' from the largest steel beams to the thread on the smallest bolts ' of the impacted buildings. Teams of experts evaluated and re-evaluated design, construction, and insurance decisions from decades earlier, in part to understand the calamity and prevent recurrence and in part to make realistic assessments of building vulnerability and insurability.
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