{"id":2838,"date":"2014-04-07T06:22:05","date_gmt":"2014-04-07T12:22:05","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=2838"},"modified":"2014-04-01T17:23:00","modified_gmt":"2014-04-01T23:23:00","slug":"superstorm-sandy-named-storm","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/superstorm-sandy-named-storm\/","title":{"rendered":"Was Superstorm Sandy a &#8220;Named Storm?&#8221;"},"content":{"rendered":"<p>Ashley Smith &#8211; March 26, 2014<\/p>\n<p>Property insurance policies commonly contain a \u201cNamed Storm\u201d deductible, which provides for a substantially higher deductible than other causes of loss. For example, the policy in AFP 104 Corp. v. Columbia Casualty Company1 contained a base deductible of $10,000 and a Named Storm deductible of $1 million per occurrence.<\/p>\n<p>In AFP 104 Corp., the insured claimed damages in the amount of $774,562.32 for direct property damage and time element losses related to the interruption of electrical services following the storm. The carrier denied coverage for AFP\u2019s claim on the grounds that the total loss did not exceed the applicable Named Storm deductible of $1 million per occurrence. AFP thereafter brought suit against Columbia and Columbia filed a motion to dismiss based on the Named Storm deductible.<\/p>\n<p>The policy defined \u201cNamed Storm\u201d as:<\/p>\n<p>A storm that has been declared to be a named tropical storm or hurricane by the U.S. National Weather Service or other government authority including hurricane or tropical storm spawned tornado(s) or microburst(s). The named tropical storm or hurricane ends when the National Weather Service officially declares the named tropical storm or hurricane permanently downgraded to a tropical depression.<\/p>\n<p>AFP claimed that upon landfall in New Jersey, Sandy was characterized as a post-tropical storm, and thus it was not a \u201ctropical storm or hurricane\u201d as defined in the policy and the Named Storm deductible was never triggered.<\/p>\n<p>Ultimately, the Court denied Columbia\u2019s motion to dismiss, finding that AFP had sufficiently alleged a facially plausible claim that AFP was entitled to coverage under the policy.<\/p>\n<p>While this opinion did not resolve the question of whether Superstorm Sandy was a Named Storm as defined by the policy, it did find that the insured could pursue its claim and offer evidence to show that the Named Storm deductible was wrongfully applied to its claim.<\/p>\n<p>Whether a Named Storm deductible applies to a claim and how the courts decide this issue could mean the difference of thousands of dollars for insureds.<\/p>\n<p>1 AFP 104 Corp. v. Columbia Casualty Co., No. 13-4077, 2014 WL 793780 (D. N.J. Feb. 26, 2014).<\/p>\n<p>via <a href=\"http:\/\/www.propertyinsurancecoveragelaw.com\/2014\/03\/articles\/hurricane-sandy-1\/was-superstorm-sandy-a-named-storm\/index.html\">Was Superstorm Sandy a &#8220;Named Storm?&#8221; : Property Insurance Coverage Law Blog<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ashley Smith &#8211; March 26, 2014 Property insurance policies commonly contain a \u201cNamed Storm\u201d deductible, which provides for a substantially higher deductible than other causes of loss. For example, the policy in AFP 104 Corp. v. Columbia Casualty Company1 contained a base deductible of $10,000 and a Named Storm deductible of $1 million per occurrence.&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/superstorm-sandy-named-storm\/\">Continue reading <span class=\"screen-reader-text\">Was Superstorm Sandy a &#8220;Named Storm?&#8221;<\/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":[3,259],"class_list":["post-2838","post","type-post","status-publish","format-standard","hentry","category-insurance-claims","tag-insurance-claims","tag-superstorm-sandy","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>Was Superstorm Sandy a &quot;Named Storm?&quot; - 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\/superstorm-sandy-named-storm\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Was Superstorm Sandy a &quot;Named Storm?&quot; - Advise &amp; Consult, Inc.\" \/>\n<meta property=\"og:description\" content=\"Ashley Smith &#8211; March 26, 2014 Property insurance policies commonly contain a \u201cNamed Storm\u201d deductible, which provides for a substantially higher deductible than other causes of loss. 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