{"id":128961,"date":"2014-11-03T06:40:27","date_gmt":"2014-11-03T13:40:27","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=128961"},"modified":"2014-11-02T10:40:53","modified_gmt":"2014-11-02T17:40:53","slug":"u-s-district-court-hawaii-holds-claims-arising-contractors-failure-provide-metal-framing-installation-drywall-raise-occurrence-insurance-polic","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/u-s-district-court-hawaii-holds-claims-arising-contractors-failure-provide-metal-framing-installation-drywall-raise-occurrence-insurance-polic\/","title":{"rendered":"U.S. District Court of Hawaii Holds That Claims Arising From Contractors Failure To Provide Metal Framing and Installation of Drywall Do Not Raise An \u201cOccurrence\u201d Under Insurance Policies"},"content":{"rendered":"<p>Traub Lieberman Straus &amp; Shrewsberry LLP | October 22, 2014<\/p>\n<p>In State Farm Fire &amp; Cas. Co. v. RK Wooten, 2014 U.S. Dist. LEXIS 146196 (D. Haw. Oct. 14, 2014), the U.S. District Court of Hawaii recently determined that State Farm Fire &amp; Casualty Insurance Company (\u201cState Farm\u201d) had no duty to defend or indemnify an insured subcontractor in a state court construction defect lawsuit filed by underlying plaintiff, Maui Park Plaza LLC, related to the construction of the Maui Park Plaza Office Complex.<\/p>\n<p>RK Wooten (\u201cRKW\u201d), a subcontractor engaged in metal framing and drywall installation was named as a defendant in the state court litigation and sought coverage from State Farm based on a series of commercial liability policies issued to RKW from January 1, 2007 to January 1, 2012. State Farm provided RKW with defense under a reservation of rights and initiated a declaratory judgment action seeking a declaration that it owed no duty to defend or indemnify RKW in the underlying suit.<\/p>\n<p>RKW failed to respond to State Farm\u2019s declaratory action and State Farm filed a Motion for a Final Default Judgment, or in the alternative Summary Judgment. In determining whether Final Default Judgment was appropriate, the district court evaluated seven factors enumerated by the Ninth Circuit in Eitel v. McCool, 782 F.2d 1470, 1472 (9th Cir. 1986):(1) the possibility of prejudice to the plaintiff; (2) the merits of plaintiff\u2019s substantive claim; (3) the sufficiency of the complaint; (4) the sum of money at state in the action; (5) the possibility of a dispute concerning material facts; (6) whether the default was due to excusable neglect; and (7) the strong policy underlying the Federal Rules of Civil Procedure favoring decision on the merits.<\/p>\n<p>Focusing on the second factor, the \u201cmerits of State Farm\u2019s claim,\u201d it was clear to the Court that the alleged construction defects \u201cdid not fit within the scope of any of the policy terms as defined by the construction policies\u201d (i.e. they did not constitute claims for \u201cbodily injury\u201d or \u201cproperty damage\u201d caused by an \u201coccurrence\u201d) and that it was well settled in Hawaii that \u201cclaims arising from an insured\u2019s obligations under a contract\u201d \u2014 whether phrased in terms of breach of contract or negligence \u2014 are not claims for \u201cproperty damage\u201d caused by an \u201coccurrence.\u201d<\/p>\n<p>The court also noted that the applicable policies contained language that excluded coverage for \u201cproperty damage for which the insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement.\u201d As such, the Court held that State Farm commercial policies made it clear that they did not provide coverage for the Plaintiff\u2019s claims in the construction defect suit and the Court granted State Farm\u2019s Motion for Final Default Judgment.<\/p>\n<p>via <a href=\"http:\/\/www.traublieberman.com\/construction-law\/2014\/1022\/5468\/\">U.S. District Court of Hawaii Holds That Claims Arising From Contractors Failure To Provide Metal Framing and Installation of Drywall Do Not Raise An \u201cOccurrence\u201d Under Insurance Policies | Traub Lieberman Straus &amp; Shrewsberry LLP<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Traub Lieberman Straus &amp; Shrewsberry LLP | October 22, 2014 In State Farm Fire &amp; Cas. Co. v. RK Wooten, 2014 U.S. Dist. LEXIS 146196 (D. Haw. Oct. 14, 2014), the U.S. District Court of Hawaii recently determined that State Farm Fire &amp; Casualty Insurance Company (\u201cState Farm\u201d) had no duty to defend or indemnify&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/u-s-district-court-hawaii-holds-claims-arising-contractors-failure-provide-metal-framing-installation-drywall-raise-occurrence-insurance-polic\/\">Continue reading <span class=\"screen-reader-text\">U.S. District Court of Hawaii Holds That Claims Arising From Contractors Failure To Provide Metal Framing and Installation of Drywall Do Not Raise An \u201cOccurrence\u201d Under Insurance Policies<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[14,4,3],"tags":[309,19,195,3,5412],"class_list":["post-128961","post","type-post","status-publish","format-standard","hentry","category-construction-2","category-construction-defects","category-insurance-claims","tag-occurrence","tag-construction-defects-2","tag-drywall","tag-insurance-claims","tag-metal-framing","entry"],"jetpack_publicize_connections":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>U.S. District Court of Hawaii Holds That Claims Arising From Contractors Failure To Provide Metal Framing and Installation of Drywall Do Not Raise An \u201cOccurrence\u201d Under Insurance Policies - Advise &amp; Consult, Inc.<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/u-s-district-court-hawaii-holds-claims-arising-contractors-failure-provide-metal-framing-installation-drywall-raise-occurrence-insurance-polic\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"U.S. District Court of Hawaii Holds That Claims Arising From Contractors Failure To Provide Metal Framing and Installation of Drywall Do Not Raise An \u201cOccurrence\u201d Under Insurance Policies - Advise &amp; Consult, Inc.\" \/>\n<meta property=\"og:description\" content=\"Traub Lieberman Straus &amp; Shrewsberry LLP | October 22, 2014 In State Farm Fire &amp; Cas. 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Oct. 14, 2014), the U.S. District Court of Hawaii recently determined that State Farm Fire &amp; Casualty Insurance Company (\u201cState Farm\u201d) had no duty to defend or indemnify&hellip; Continue reading U.S. District Court of Hawaii Holds That Claims Arising From Contractors Failure To Provide Metal Framing and Installation of Drywall Do Not Raise An \u201cOccurrence\u201d Under Insurance Policies\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.myconstructionexpert.com\/blog\/u-s-district-court-hawaii-holds-claims-arising-contractors-failure-provide-metal-framing-installation-drywall-raise-occurrence-insurance-polic\/\" \/>\n<meta property=\"og:site_name\" content=\"Advise &amp; Consult, Inc.\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Advise-Consult-Inc-126949043996790\/\" \/>\n<meta property=\"article:published_time\" content=\"2014-11-03T13:40:27+00:00\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@adviseconsult\" \/>\n<meta name=\"twitter:site\" content=\"@adviseconsult\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/u-s-district-court-hawaii-holds-claims-arising-contractors-failure-provide-metal-framing-installation-drywall-raise-occurrence-insurance-polic\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/u-s-district-court-hawaii-holds-claims-arising-contractors-failure-provide-metal-framing-installation-drywall-raise-occurrence-insurance-polic\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/0a11abe008083d5fb19c2b0feefe7bd7\"},\"headline\":\"U.S. District Court of Hawaii Holds That Claims Arising From Contractors Failure To Provide Metal Framing and Installation of Drywall Do Not Raise An \u201cOccurrence\u201d Under Insurance Policies\",\"datePublished\":\"2014-11-03T13:40:27+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/u-s-district-court-hawaii-holds-claims-arising-contractors-failure-provide-metal-framing-installation-drywall-raise-occurrence-insurance-polic\/\"},\"wordCount\":510,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#organization\"},\"keywords\":[\"\\\"Occurrence\\\"\",\"construction defects\",\"Drywall\",\"Insurance Claims\",\"Metal Framing\"],\"articleSection\":[\"Construction\",\"Construction Defects\",\"Insurance Claims\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.myconstructionexpert.com\/blog\/u-s-district-court-hawaii-holds-claims-arising-contractors-failure-provide-metal-framing-installation-drywall-raise-occurrence-insurance-polic\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/u-s-district-court-hawaii-holds-claims-arising-contractors-failure-provide-metal-framing-installation-drywall-raise-occurrence-insurance-polic\/\",\"url\":\"https:\/\/www.myconstructionexpert.com\/blog\/u-s-district-court-hawaii-holds-claims-arising-contractors-failure-provide-metal-framing-installation-drywall-raise-occurrence-insurance-polic\/\",\"name\":\"U.S. District Court of Hawaii Holds That Claims Arising From Contractors Failure To Provide Metal Framing and Installation of Drywall Do Not Raise An \u201cOccurrence\u201d Under Insurance Policies - Advise &amp; 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