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First, the Supreme Court held that a city which elects to obtain liabilitv* insurance <br />waives its immunity. However, the mere waiver of immunity and the fact that an accident <br />occurs does not establish liability. The Supreme Court held that the plaintiff had failed to <br />show what action or inaction constituted negligence on the part of the city. The Supreme <br />Court further held that the city had no duty to improve this natural drainage system and <br />the fact that a ten-year rain event occurred one day was not the result of the city’s <br />negligence. <br />However, the Supreme Court did state in the Shabot case that had the plaintiff <br />prov^ that the city had approved the number of building permits in the immediate <br />vicinity of the Chabot home which added additional run-off of water into the holding pond <br />and that if he had shown by expert testimony that these permits increased the risk of <br />damage to the plaintiff s home other than vague and general references to the growth in <br />the water shed area that this would have shown negligence.” The court also stated “a city <br />can be liable for trespass or nuisance caused by such an increased flow of water or by a <br />change in the flow of water which affected its normal and natural flow.” <br />The fact of the matter of our situation is that the Chy of Orono approved six <br />building permits for homes and a garage to be built along the slope of Tonkaview Lane <br />which runs directly into Wildhurst Trail and County Road 19. Variances (#2323, 3519 & <br />3272) were graiited to three of these homeowners specifically for substandard lot area, <br />thus increasing the ratio of hardcover to total lot area. Also, in variance #3519 (4620 <br />Tonkaview Lane) the homeowner was instructed by the Orono Planning Commission to <br />make sure that “roof drainage be directed away from the north and east sides of the <br />resident and directed to the road.” (Tonkaview Lane). Variance # 2323 (4625 <br />Tonkaview Lane) was also granted with the condition that a grading plan be submitted for <br />City review and ^proval prior to construction of the driveway access to Tonkaview Lane. <br />Furthermore, we have secured the expert opinion and a report by a hydrologist, Ted <br />Mattke, Ph.D., P.E., which concludes that the 6 new structures did increase the run-oflf <br />substantially, causing damage to our homes. Thus, upon close examination, the Chabot <br />case actually supports our claim for damages. <br />We have lived in our home for over 10 years. In the first year of residence, we <br />experienced a 100 year rainstorm event which provided over 10 inches of rain. Neither <br />the Bes^sen s nor our home was damaged. Since those homes on Tonkaview Lane have <br />been built, we have been in terror of a 2-3 inch rainstorm. Such a rainstorm has caused <br />water to flow aga^t our fi-ont door, to a height of 5 to 10 inches, depending on the <br />intensity of the rainfall. This water came fi’om Tonkaview Lane which is not a natural <br />causeway for water. The flowage from Tonkaview Lane crossed Wildhurst Trail and then <br />directly entered onto the shoulder and drainage ditch of County Road 19 and down our <br />driveway, the Bessessen’s driveway and down the ravine between our home and the <br />Bessesen’s home, causing water damage to both homes. <br />We have been dealing with the insurance company (LMCIT) on this liability issue <br />for over a year. Mr. Schroeder has failed to return phone calls for weeks on end. Now