{"id":1381,"date":"2013-03-03T07:25:41","date_gmt":"2013-03-03T14:25:41","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=1381"},"modified":"2013-02-27T14:26:01","modified_gmt":"2013-02-27T21:26:01","slug":"what-constitutes-a-total-loss-in-washington","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/what-constitutes-a-total-loss-in-washington\/","title":{"rendered":"What Constitutes a Total Loss in Washington?"},"content":{"rendered":"<p>Kenneth Kan &#8211; February 27, 2013<\/p>\n<p>My most recent post was inspired by contact from an attorney in Seattle, Washington. This week, continuing with the \u201cTotal Loss\u201d series, I decided to stay in Washington. The state is appropriately nicknamed the \u201cEvergreen State.\u201d If you ever visit, you will see how green it really is. If you like trees and forests, Washington is your kind of state.<\/p>\n<p>As we have seen in many other states, much of the total loss discussion in Washington involves fire losses. One of the earliest cases to address the issue was Grandview Inland Fruit Company v. Hartford Fire Insurance Company.1 In Grandview, a warehouse building was destroyed by fire:<\/p>\n<p>As a result of the fire, nothing remained of the building above ground. The wooden floor of the basement was destroyed by the fire. The basement was filled with a large amount of debris. Most of the concrete walls of the basement fell into the basement as the result of the fire or were weakened and bulged inward. All that remained after the fire were a part of the foundation and the cellar.<\/p>\n<p>The insurance company contended the building was not a total loss because of 60 percent of the foundation could be used, so the building still had a some value. The Washington Supreme Court rejected this argument, holding the evidence was cleat that the building was totally destroyed: the \u201cstructure has lost its specific character and ceased to exist as a building.\u201d\u00a0The Court ultimately adopted the following rule as to what constitutes a total loss:<\/p>\n<p>[T]here is a total loss if the building is so far destroyed that no substantial part of portion of it remains in place capable of being utilized to advantage in restoring the building to the condition in which it was before the fire.<\/p>\n<p>So, in Washington, the \u201cidentity test\u201d is used. If a building loses its identity and specific character, although some materials or component parts remain, it is still considered a total loss.<\/p>\n<p>1 Grandview Inland Fruit Co. v. Hartford Fire Ins. Co., 66 P. 2d 827 (Wash. 1937).<\/p>\n<p>via <a href=\"http:\/\/www.propertyinsurancecoveragelaw.com\/2013\/02\/articles\/insurance\/what-constitutes-a-total-loss-in-washington\/index.html\">What Constitutes a Total Loss in Washington? : Property Insurance Coverage Law Blog<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kenneth Kan &#8211; February 27, 2013 My most recent post was inspired by contact from an attorney in Seattle, Washington. This week, continuing with the \u201cTotal Loss\u201d series, I decided to stay in Washington. The state is appropriately nicknamed the \u201cEvergreen State.\u201d If you ever visit, you will see how green it really is. If&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/what-constitutes-a-total-loss-in-washington\/\">Continue reading <span class=\"screen-reader-text\">What Constitutes a Total Loss in Washington?<\/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":[3],"tags":[3,305,306],"class_list":["post-1381","post","type-post","status-publish","format-standard","hentry","category-insurance-claims","tag-insurance-claims","tag-total-loss","tag-washington","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>What Constitutes a Total Loss in Washington? - 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\/what-constitutes-a-total-loss-in-washington\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Constitutes a Total Loss in Washington? - Advise &amp; Consult, Inc.\" \/>\n<meta property=\"og:description\" content=\"Kenneth Kan &#8211; February 27, 2013 My most recent post was inspired by contact from an attorney in Seattle, Washington. 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