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# Five years ago, the town of Bayside, in the Katontic River

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Five years ago, the town of Bayside, in the Katontic River  [#permalink]

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Updated on: 23 Nov 2013, 21:38
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95% (hard)

Question Stats:

38% (02:05) correct 62% (02:26) wrong based on 646 sessions

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Five years ago, the town of Bayside, in the Katontic River Valley, had catastrophic flooding one spring, and consequently, most insurers now refuse to write flood insurance for houses in Bayside. The town of Dryadia, in the Phemptic River Valley, is much like Bayside in its proximity to a similar river at an almost identical point in the river valley. We can conclude that the only reason the same insurers do not write flood insurance for houses in Dryadia either is its similarity to Bayside in terms of where it is situated in the river valley.

Which of the following, if true, would most seriously undermine the argument?

A)A small number of independent insurers will write flood insurance for at least some houses in each of the two towns. I
B)It is hard for an homeowner to buy flood insurance if a large proportion of other houses in the same town have been flooded in recent years.
C) In many other towns in the Katonic River Valley, it is hard for home-owners to buy flood insurance.
D)The town of Dryadia has some flooding most springs.
E) Flooding from spring surges in rivers is only one of the ways in which a home can become flooded.

Originally posted by guerrero25 on 20 Nov 2013, 07:06.
Last edited by guerrero25 on 23 Nov 2013, 21:38, edited 1 time in total.
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Re: Five years ago, the town of Bayside, in the Katontic River  [#permalink]

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21 Nov 2013, 04:38
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The argument says that insurers do not write flood insurances for houses in Dryadia ONLY BECAUSE of its similarity to Bayside in terms of where it is situated in the river valley.

Or in other words

There is no other reason other than the fact that Dryadia is similar to Bayside in terms of where it is situated in the river valley for insurers refusing to write flood insurances.

Or in other words

Choice D gives another reason. It pretty much says straightforward that "Dryadia has some flooding most springs". So Dryadia's location is not the only culprit.

E is wrong because it is too general. We are concerned only about Dryadia.

If E had been something like "There are factors other than spring surges in rivers that cause flooding in Dryadia most springs" it could have been a strong competitor.
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Re: Five years ago, the town of Bayside, in the Katontic River  [#permalink]

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23 Jan 2014, 03:10
2
dear gmatprav.... all that "e" says is that flooding in homes can occur in a variety of ways ..... agreed ...... But where does it relate to flooding in dryadia.....does it say "it flooded in dryadia in a number of ways" ?
IT DOES'NT .... we all know that flooding can be in a number of ways....

now LOOK at " d".....The town of Dryadia has some flooding most springs...CLEAR EVIDENCE OF ALTERNATIVE...........

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Re: Five years ago, the town of Bayside, in the Katontic River  [#permalink]

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24 Jun 2017, 22:11
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I wrongly interpret the option B => D is correct because B talks about the homeowner, not the insurance writer.
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Re: Five years ago, the town of Bayside, in the Katontic River  [#permalink]

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16 Jan 2018, 13:01
1
Here is the OE from Magoosh

The credited answer is choice (D). If the town of Dryadia really does flood, then that’s the reason insurers won’t write flood insurance for it! Therefore, the “only reason” cannot be “its similarity to Bayside in terms of where it is situated in the river valley.” Choice (D), if true, obliterates the argument, so this is the best answer.

The argument say that “most insurers” don’t write flood insurance in either town, but if most don’t, this implies that some do. Therefore, choice (A) is actually expected from the argument and does not challenge it at all. Choice (A) is incorrect.

Choice (B) would not be surprising, and could be perfectly consistent with the argument. We know Bayside had “catastrophic flooding“, but we don’t know for a fact that every single house was flooded — maybe or maybe not. If some houses were not flooded, it sounds as if the insurers don’t write flood insurance for any house in Bayside, so even those houses that never flooded could not buy flood insurance. Therefore, this would validate (B) without threatening the argument in any way. Choice (B) is incorrect.

Choice (C) is irrelevant. Even if no resident in absolutely any other town up and down the Katonic River Valley can buy flood insurance, that doesn’t necessarily shed light on why folks in a town in a completely different river valley can’t buy insurance. Choice (C) is incorrect.

Choice (E) is too general and vague. Yes, perhaps there are many ways a house can be flooded, and correspondingly, perhaps there are many reasons why an insurer would deny any particular house flood insurance. Even if this is true, it doesn’t shed any light on exactly why the folks in Dryadia have trouble getting flood insurance. Choice (E) is suggestive, but it doesn’t actually tell us anything. Choice (E) is incorrect.
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Re: Five years ago, the town of Bayside, in the Katontic River  [#permalink]

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20 Nov 2013, 10:44
IMO D ...Please provide the OA ... D gives another reason for not writing flood insurances
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Re: Five years ago, the town of Bayside, in the Katontic River  [#permalink]

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21 Nov 2013, 01:54
IMO - D, as no other option seems to be a possible explanation for the argument of insurance givers. Kindly provide the OA.
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Re: Five years ago, the town of Bayside, in the Katontic River  [#permalink]

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22 Jan 2014, 02:46
Could we not analyze this CR as below?

Premise 1: Bayside faced catastrophic floods 5 years ago and insurers are refusing to write flood insurances.
Premise 2: There is similarity between Drydia and Bayside in terms of where is it situated in river valley.
Conclusion: Insurers do not write flood insurances for Drydia because of its similarity in location in the river valley.

ASSUMPTION: Insurers fear that due to similarity there can be floods in Drydia just like Bayside.

With this assumption D in fact strengthens the argument. Am I wrong in analyzing this way?

Now E is the only choice left which says flood due to spring surges can be one reason and there could be other reasons as well. Thereby weakening the argument.

Any thoughts?

MacFauz wrote:
The argument says that insurers do not write flood insurances for houses in Dryadia ONLY BECAUSE of its similarity to Bayside in terms of where it is situated in the river valley.

Or in other words

There is no other reason other than the fact that Dryadia is similar to Bayside in terms of where it is situated in the river valley for insurers refusing to write flood insurances.

Or in other words

Choice D gives another reason. It pretty much says straightforward that "Dryadia has some flooding most springs". So Dryadia's location is not the only culprit.

E is wrong because it is too general. We are concerned only about Dryadia.

If E had been something like "There are factors other than spring surges in rivers that cause flooding in Dryadia most springs" it could have been a strong competitor.
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Re: Five years ago, the town of Bayside, in the Katontic River  [#permalink]

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22 Jan 2014, 09:25
dear gmatprav.....

i would take your querry in this manner.................

1. the town of Bayside had catastrophic flooding one spring 5 years back................

2. another town Dryadia has similar geographical location , and consequently, same insurers do not write flood insurance there also......

THE INSURERS ONLY BASED ON A FLOOD IN BAYSIDE 5 YEARS BACK AND SIMILAR GEOGRAPHIC LOCATION DO NOT INSURE DRYADIA TOWN....

ITS A FACT THAT INSURERS DONT INSURE DRYADIA..... BUT WE HAVE TO COUNTER THE REASONS.........

D) The town of Dryadia has some flooding most springs.....BAYSIDE HAD FLOODING 5 YEARS BACK.......DRYADIA HAS IT EVERY SPRING....WHY SHOULD I INSURE IT....I WILL BE AT A LOSS...INFACT I HAVE A STRONGER REASON THAN BAYSIDE......LOCATION IS ALSO NO MORE IMPORTANT... IF IT WAS THAN BAYSIDE ALSO SHOULD HAVE FLOODING EVERY SPRING.... HENCE ALTERNATE REASON ....CORRECT....

E) Flooding from spring surges in rivers is only one of the ways in which a home can become flooded......IN HOW MANY WAYS CAN A HOME BE FLOODED IS NOT THE ISSUE ... WHETHER IT DOES AND THE INSURER TAKES COGNIZANCE OF IT IS IMPORTANT.....
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Re: Five years ago, the town of Bayside, in the Katontic River  [#permalink]

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23 Jan 2014, 00:59
Hello Semwal, Thanks for the explanation. I agree with the logic (I highlighted) below in your argument. But with E also there is a strong alternate reason isn't it? In fact not one, it states there are more than one alternate reasons. So E seems very clear that there are alternate reasons. no?

semwal wrote:
dear gmatprav.....

i would take your querry in this manner.................

1. the town of Bayside had catastrophic flooding one spring 5 years back................

2. another town Dryadia has similar geographical location , and consequently, same insurers do not write flood insurance there also......

THE INSURERS ONLY BASED ON A FLOOD IN BAYSIDE 5 YEARS BACK AND SIMILAR GEOGRAPHIC LOCATION DO NOT INSURE DRYADIA TOWN....

ITS A FACT THAT INSURERS DONT INSURE DRYADIA..... BUT WE HAVE TO COUNTER THE REASONS.........

D) The town of Dryadia has some flooding most springs.....BAYSIDE HAD FLOODING 5 YEARS BACK.......DRYADIA HAS IT EVERY SPRING....WHY SHOULD I INSURE IT....I WILL BE AT A LOSS...INFACT I HAVE A STRONGER REASON THAN BAYSIDE......LOCATION IS ALSO NO MORE IMPORTANT... IF IT WAS THAN BAYSIDE ALSO SHOULD HAVE FLOODING EVERY SPRING.... HENCE ALTERNATE REASON ....CORRECT....

E) Flooding from spring surges in rivers is only one of the ways in which a home can become flooded......IN HOW MANY WAYS CAN A HOME BE FLOODED IS NOT THE ISSUE ... WHETHER IT DOES AND THE INSURER TAKES COGNIZANCE OF IT IS IMPORTANT.....
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Re: Five years ago, the town of Bayside, in the Katontic River  [#permalink]

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23 Jan 2014, 11:07
Yes! that is what I missed! E does not connect the reason with Drydia. So D is better. Good explanation.

Kudos to you

semwal wrote:
dear gmatprav.... all that "e" says is that flooding in homes can occur in a variety of ways ..... agreed ...... But where does it relate to flooding in dryadia.....does it say "it flooded in dryadia in a number of ways" ?
IT DOES'NT .... we all know that flooding can be in a number of ways....

now LOOK at " d".....The town of Dryadia has some flooding most springs...CLEAR EVIDENCE OF ALTERNATIVE...........

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Re: Five years ago, the town of Bayside, in the Katontic River  [#permalink]

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08 Nov 2014, 05:58
Can someone please give me an explanation why "C" is wrong

C) In many other towns in the Katonic River Valley, it is hard for home-owners to buy flood insurance.

As "C" states that home owners in many other towns situated in the valley have problems to buy insurance, while at the same time it might also be true that the physical location of these towns might not be the same as that of the Bayside. Thus this gives us another point of reasoning.....

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Re: Five years ago, the town of Bayside, in the Katontic River  [#permalink]

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26 Oct 2016, 07:40
BIGBULL wrote:
Can someone please give me an explanation why "C" is wrong

C) In many other towns in the Katonic River Valley, it is hard for home-owners to buy flood insurance.

As "C" states that home owners in many other towns situated in the valley have problems to buy insurance, while at the same time it might also be true that the physical location of these towns might not be the same as that of the Bayside. Thus this gives us another point of reasoning.....

Because the argument only deals with the towns of Bayside and Dryadia. Other towns in the Katonic River Valley are out of scope. Buying flood insurance in these other towns may be hard for other reasons, or the location of these towns may not be like those of Bayside and Dryadia.
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Re: Five years ago, the town of Bayside, in the Katontic River  [#permalink]

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14 Sep 2017, 08:26
the weaken the argument, test takers should find the option that gives an alternative cause.
Here, the flood, not the similarity in location, is the reason why insurer refuses to write.
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Re: Five years ago, the town of Bayside, in the Katontic River  [#permalink]

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16 Jan 2018, 15:49
IMO OA is D

A)A small number of independent insurers will write flood insurance for at least some houses in each of the two towns.
-> This cannot weaken effectively due to using those words 'a small number', 'some house'
B)It is hard for an homeowner to buy flood insurance if a large proportion of other houses in the same town have been flooded in recent years.
-> This is nothing
C) In many other towns in the Katonic River Valley, it is hard for home-owners to buy flood insurance.
-> This is just a fact.
D)The town of Dryadia has some flooding most springs.
-> correct
It means that the town of Dryadia does not have many flooding.
Some = 25%
The word 'catastrophic' would means that there are many flooding in the town of Bayside
So D is correct
E) Flooding from spring surges in rivers is only one of the ways in which a home can become flooded.
-> I think it is strengthen.
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Re: Five years ago, the town of Bayside, in the Katontic River  [#permalink]

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19 May 2019, 20:51
Hi sandysilva,

Thank you for your kind explanation.

However, I have some doubt.

In the argument, can we infer that the phrase "its similarity to Bayside in terms of where it is situated in the river valley." is intended to say that there could also be flooding spring in Dryadia, like the one happening in Bayside.

If this is the case, I think D is sound like a strengthener.

Please correct me if I'm wrong.

Thank you.
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Re: Five years ago, the town of Bayside, in the Katontic River  [#permalink]

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19 May 2019, 22:48
Hello experts et al,

My reasoning to narrow down option D was only the fact that City B is not only by comparison same as City A but also it had experienced a recent flood.

It introduces a new fact that undermines the conclusion thus weakening it.

Please suggest if i am correct here.

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Re: Five years ago, the town of Bayside, in the Katontic River   [#permalink] 19 May 2019, 22:48
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