Posts Tagged ‘oil spill’

Wednesday, July 28th, 2010

Bankruptcy: BP’s Worst Case Scenario?

Six month ago, the idea of the oil giant BP going bankrupt was an unthinkable proposition. Now, although still difficult to imagine, isn’t so far-fetched.

Despite the improbability of a BP bankruptcy, there is a common question that people what been asking themselves: What does the worst case scenario for BP look like?

An article from the New York Times indulges into this hypothetical situation.

Already, the price of BP’s stock has plummeted over one third of its pre-spill price.
There is some speculation by legal minds that BP might consider filing bankruptcy and separate the cost of cleanup and potentially up to billions of dollars in legal claims into a separate corporate entity.

But according to Tony Hayward, BP’s ousted chief executive, BP will be capable of weathering the storm. Just last year BP turned a profit of an astounding $17 billion.

It is this extreme amount of cash flow that will allow BP to fully compensate those wrongfully injured by the company and pay for the cleanup costs, claims Howard.

Despite the incredible profits the company has made in the past, a $40 billion tab on the clean up and damage coverage isn’t of the realm of possibility in the area. If BP was forced to shell out this much money, then another Texaco situation might not be out of the question.

In 1987, the oil giant Texaco filed for Chapter 11 bankruptcy because it was unable to pay a $1 billion jury award to rival Pennzoil. What’s amazing is that the $1 billion award was actually less than 10 percent of the original judgment of $10.53 billion.

That was an interesting case where Texaco was found liable for jumping the planned merger between Pennzoil and Getty Oil, a move which allowed the jury to award triple damages for Pennzoil.

There is a cap on BP’s liability for so-called ‘economic devastation’, at only $75 million. The only problem with that cap is it becomes irrelevant if it is found that BP has violated safety regulations—and the latest presumption is that BP has in fact violated safety regulations.

It is possible for BP to fight and win any potential large judgment against them- a move which could save the company. When the now infamous Exxon Valdez spilled, the original judgment against Exxon was $5 billion. But after several appeals and fights which made it all the way to the Supreme Court, the final judgment was cut down to a more manageable $507.5 million.

A senior fellow at the Manhattan Institute, Robert Bryce, seems to sum up the main thought about BPs overall stability well when he says that, “BP is financially sound now. It is unlikely to go bust near term… instead, BP will spend the coming decades circling the drain, mired in endless litigation, its reputation irreparable damaged and its finances weakened.”

This is far from a great outcome, but it seems to be far more likely than bankruptcy.

Monday, July 12th, 2010

Ripple Effects of the Gulf Oil Spill

Anyone who has listened to the news in the last few months likely knows that the oil spill in the Gulf of Mexico is wreaking havoc on the environment and costing BP obscene amounts of money. But the disaster could also affect Americans in less obvious ways. Here are a few things to watch out for in the coming weeks and months.

Oil-Spill-Related Scams

The Federal Trade Commission has released warnings that unscrupulous scammers have taken to targeting those interested in helping with oil-related jobs. These are the signs of a scam disguised as part of the relief effort:

  • Appearances all over: The FTC reports that offers for fake jobs have appeared online, in newspapers and in email inboxes. Many of these offers appear to be from BP itself, but are in fact well-designed scams.
  • Application process or training: The scams often ask for upfront fees, whether for an application process or for training materials and courses. In general, the FTC cautions to regard with suspicion any company that asks for money up front, before providing you with any good or service.
  • Fake authorization: Some scammers are apparently claiming that they’ve been authorized by BP to train and hire cleanup crews, but it’s generally a bad idea to take such claims at face value.
  • Volunteer and paid positions: Note that scams are not limited to cleanup jobs advertised as paid. The FTC mentions that some scams advertise themselves as volunteer opportunities, but still charge certification, application or similar fees.

The FTC web site also outlines attributes common to many online job scams and also offers links to legitimate work and volunteer opportunities for those interested in contributing to cleanup efforts in the Gulf.

Oil-Spill-Related Bankruptcies?

One hot debate in the news right now seems to be whether or not BP will have to file for bankruptcy as a result of losses linked to the oil spill. But a more likely scenario is that small businesses (and potentially individuals that own and work for those businesses) may require bankruptcy protection as a result of losses stemming from the spill.

Because so much of the economy in the Gulf Coast area depends on oil and/or water industries (like fishing and tourism), many Americans stand to lose serious money as oil contaminates more and more of the region.

A recent article from the Wall Street Journal notes that various Gulf Coast companies, particularly those in oil- and gas-related fields, could be in need of the serious financial restructuring that a Chapter 13 or Chapter 11 bankruptcy filing might offer.

The price of premiums for flood insurance for homeowners is on the rise and extra coverage is going to be harder to get, with the coming hurricane season and Gulf oil spill are making insurers more wary, according to the Wall Street Journal.

In general, the price of homeowner’s insurance is on a significant rise. Thomas J. Crowley, an independent insurance agent in New York was quoted saying, "the average price of a homeowner policy on Long Island is above $2,000 a year now, five years ago it was probably half that… my own policy has doubled in five years to over $3,000."

One of the main concerns for this year’s hurricane season is the oil spill in the Gulf. Most standard homeowners’ policies would not cover contamination done by the oil in the case of a flood, which could cause even more destruction than the standard high winds and rain.

According the Robert Hartwig, president of the Insurance Information Institute, "In general, whatever is mixed in with the water is part of the flood, hence excluded from a [traditional] homeowner policy."

Congress has failed to renew the National Flood Insurance Program, which is responsible for providing the vast majority of flood policies in the U.S., after it expired on June 1st.

An estimated 1,200 real-estate closings a day have been delayed this month because of the inaccessibility to flood insurance coverage, according to the National Association of Mutual Insurance Companies. Federal law requires homes with federally backed mortgages in designated “flood-hazard” areas to have flood insurance, and without the NFIP, many homes can’t get flood insurance.

If you’re in the market for hurricane-related coverage, you should always be sure you have enough insurance to rebuild fully if the worst happens. Your cost to rebuild may be different than the market value of your house, and you shouldn’t wait until you need the money to find out that your policy hasn’t kept up with the cost of construction.

Another good tip is to fully understand your deductibles. Hurricane and wind deductibles can vary greatly, from 1% to 5%, depending on the state. On a $300,000 house, the difference between having to put up $3,000 and $15,000 can be a game changer.

One cost that can catch a storm victim by surprise is emergency living expenses. If your house is unlivable for several months, you need to make sure you can cover your expenses.

It may seem difficult in this economy to spend the money on a good homeowners insurance policy, but as Chari and Bob Hust found out, it can be more than worth it.

After Hurricane Ike caused significant damage to their two houses in Texas in 2008, the couple received combined over $600,000 to repair the houses. They essentially ended up rebuilding their houses, but they had no problem settling their claim with the insurance company. “You may pay more… but if you have a catastrophe, it is worth having the right insurance,” said Chari.

If a hurricane-related flood causes more damage than homeowners can afford, it could result in home foreclosure, and even bankruptcy.