October 23, 2015 In Grebow v. Mercury Insurance Company (No. B261172, filed 10/21/15), a California appeals court held that coverage for collapse in a homeowners policy does not extend to prophylactic repairs undertaken to mitigate damage before actual collapse of the structure. In Grebow, the insureds had a general contractor inspect the rear deck of… Continue reading Court Confirms No Duty to Reimburse for Prophylactic Repairs Prior to Actual Collapse
Tag: property damage
Property Damage Claims and Getting the Most for Your Client
Advise & Consult, Inc. | September 17, 2015 Insurance claims are quite often some of the more fiercely debated disputes in law. Those debates are only compounded when they are property damage claims. Knowing what you clients’ rights are and what you can and need to fight for will go a long ways. Knowing how… Continue reading Property Damage Claims and Getting the Most for Your Client
Hail Storm “Cosmetic” Damage & Direct “Physical” “Loss”
Advise & Consult, Inc. | September 3, 2015 Cosmetic damage (small dents) occurred to a metal roof resulting from a hail storm. The insurer filed a claim with its carrier, Cincinnati Ins. Co., and an insurance adjuster inspected the roof and other than the dents, there was little other evidence of damage. The estimate of… Continue reading Hail Storm “Cosmetic” Damage & Direct “Physical” “Loss”
“Dazed and Confused” about Ambiguity in Texas
Patrick C. McGinnis | Property Insurance Coverage Law Blog | July 6, 2015 I have been handling property damage cases since Hurricane Rita hit the Beaumont, Texas area in 2005. Much more prevalent these days are allegations that a provision of the insurance policy is ambiguous, and therefore, must be interpreted in a way more… Continue reading “Dazed and Confused” about Ambiguity in Texas
New York Court: Broadly-Worded Flood Limit “Meaningless” Unless it Applies to Any Kind of Loss Caused by Flood
Dick Bennett | Cozen O’Connor’s Property Insurance Law Observer | July 8, 2015 Yesterday in El-Ad West LLC v. Zurich American Ins. Co., 2015 WL 4078762, 2015 N.Y. App. Div. LEXIS 5753 (Jul. 7, 2015), a unanimous panel of New York’s intermediate level appellate court held that a flood sub-limit capped all loss caused by… Continue reading New York Court: Broadly-Worded Flood Limit “Meaningless” Unless it Applies to Any Kind of Loss Caused by Flood