{"id":2858,"date":"2014-04-09T06:26:14","date_gmt":"2014-04-09T12:26:14","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=2858"},"modified":"2014-04-08T13:27:14","modified_gmt":"2014-04-08T19:27:14","slug":"alabama-supreme-court-withdraws-re-issues-decision-find-occurrence-construction-defect-claim","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/alabama-supreme-court-withdraws-re-issues-decision-find-occurrence-construction-defect-claim\/","title":{"rendered":"Alabama Supreme Court Withdraws and Re-Issues Decision to Find \u201cOccurrence\u201d for Construction Defect Claim"},"content":{"rendered":"<p>Clifford J. Shapiro &#8211; April 1, 2014<\/p>\n<p>Last September, the Alabama Supreme Court issued a decision that denied insurance coverage to a homebuilder on the ground that there can be no \u201coccurrence\u201d where construction defect claims do not allege property damage to something other than the home the policyholder built.\u00a0Owners Insurance Co. v. Jim Carr Homebuilder LLC, 2013 Ala. LEXIS 122, 2013 WL 5298575 (Ala. Sept. 20, 2013). In that decision, the court did not analyze the policy language to distinguish between damage to the insured&#8217;s project (which it held did not constitute an \u201coccurrence\u201d) and damage to other property or other parts of the structure (which it held could constitute an \u201coccurrence\u201d).<\/p>\n<p>On March 28, 2014, the Alabama Supreme Court withdrew its earlier decision and\u00a0issued a new decision that clarifies and expands the scope of insurance coverage\u00a0for Alabama policyholders involved with construction defect claims. The new decision expressly rejects the view that defect claims which allege damage only to part(s) of the insured&#8217;s scope of work are not an &#8220;occurrence.&#8221; The decision clarifies that while faulty workmanship itself is not \u201cproperty damage\u201d caused by an \u201coccurrence,\u201d this does not mean that, in an appropriate case, additional damage to a contractor\u2019s own scope of work resulting from faulty workmanship is not properly considered \u201cproperty damage\u201d caused by an \u201coccurrence.\u201d In this manner, the Alabama Supreme Court joined the reasoning of recent decisions from several other jurisdictions that recognize that the \u201coccurrence\u201d analysis should not be based on the kind of property damage that is alleged in the underlying construction defect case. See, e.g.,\u00a0K &amp; L Homes, Inc. v. American Family Mutual Insurance Company, 213 N.D. 57 (N.D. 2013);\u00a0U.S. Fire Ins. Co. v. J.S.U.B., Inc., 979 So. 2d 871 (Fla. 2007);\u00a0Travelers Indem. Co. of Am. v. Moore &amp; Assocs., Inc., 216 S.W.3d 302 (Tenn. 2007);\u00a0Lennar Corp. v. Auto-Owners Ins. Co., 151 P.3d 538 (Ariz. Ct. App. 2007).<\/p>\n<p>The decision also holds that the your work exclusion does not apply at all if the policyholder purchases &#8220;completed operations&#8221; coverage. According to the court, the &#8220;your work exclusion applies if and only if the policy&#8217;s declarations fail to show any coverage for &#8216;products-completed operations.'&#8221; This part of the decision was critical to the outcome of the case because the insurance policy at issue did\u00a0not\u00a0include the standard &#8220;subcontractor exception&#8221; to the your work exclusion. This is a significant holding for construction industry policyholders. The bottom line: The court required the insurance carrier to pay the entire $600,000 arbitration award that had been issued against the insured homebuilder.<\/p>\n<p>via <a href=\"http:\/\/www.natlawreview.com\/article\/alabama-supreme-court-withdraws-and-re-issues-decision-to-find-occurrence-constructi\">Alabama Supreme Court Withdraws and Re-Issues Decision to Find \u201cOccurrence\u201d for Construction Defect Claim | The National Law Review<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Clifford J. Shapiro &#8211; April 1, 2014 Last September, the Alabama Supreme Court issued a decision that denied insurance coverage to a homebuilder on the ground that there can be no \u201coccurrence\u201d where construction defect claims do not allege property damage to something other than the home the policyholder built.\u00a0Owners Insurance Co. v. Jim Carr&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/alabama-supreme-court-withdraws-re-issues-decision-find-occurrence-construction-defect-claim\/\">Continue reading <span class=\"screen-reader-text\">Alabama Supreme Court Withdraws and Re-Issues Decision to Find \u201cOccurrence\u201d for Construction Defect Claim<\/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":[4,3],"tags":[309,517,516],"class_list":["post-2858","post","type-post","status-publish","format-standard","hentry","category-construction-defects","category-insurance-claims","tag-occurrence","tag-alabama","tag-construction-defect-claim","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>Alabama Supreme Court Withdraws and Re-Issues Decision to Find \u201cOccurrence\u201d for Construction Defect Claim - 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\/alabama-supreme-court-withdraws-re-issues-decision-find-occurrence-construction-defect-claim\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Alabama Supreme Court Withdraws and Re-Issues Decision to Find \u201cOccurrence\u201d for Construction Defect Claim - Advise &amp; Consult, Inc.\" \/>\n<meta property=\"og:description\" content=\"Clifford J. Shapiro &#8211; April 1, 2014 Last September, the Alabama Supreme Court issued a decision that denied insurance coverage to a homebuilder on the ground that there can be no \u201coccurrence\u201d where construction defect claims do not allege property damage to something other than the home the policyholder built.\u00a0Owners Insurance Co. v. Jim Carr&hellip; Continue reading Alabama Supreme Court Withdraws and Re-Issues Decision to Find \u201cOccurrence\u201d for Construction Defect Claim\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.myconstructionexpert.com\/blog\/alabama-supreme-court-withdraws-re-issues-decision-find-occurrence-construction-defect-claim\/\" \/>\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=\"2014-04-09T12:26:14+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\/alabama-supreme-court-withdraws-re-issues-decision-find-occurrence-construction-defect-claim\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/alabama-supreme-court-withdraws-re-issues-decision-find-occurrence-construction-defect-claim\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/0a11abe008083d5fb19c2b0feefe7bd7\"},\"headline\":\"Alabama Supreme Court Withdraws and Re-Issues Decision to Find \u201cOccurrence\u201d for Construction Defect Claim\",\"datePublished\":\"2014-04-09T12:26:14+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/alabama-supreme-court-withdraws-re-issues-decision-find-occurrence-construction-defect-claim\/\"},\"wordCount\":457,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#organization\"},\"keywords\":[\"\\\"Occurrence\\\"\",\"Alabama\",\"Construction Defect Claim\"],\"articleSection\":[\"Construction Defects\",\"Insurance Claims\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.myconstructionexpert.com\/blog\/alabama-supreme-court-withdraws-re-issues-decision-find-occurrence-construction-defect-claim\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/alabama-supreme-court-withdraws-re-issues-decision-find-occurrence-construction-defect-claim\/\",\"url\":\"https:\/\/www.myconstructionexpert.com\/blog\/alabama-supreme-court-withdraws-re-issues-decision-find-occurrence-construction-defect-claim\/\",\"name\":\"Alabama Supreme Court Withdraws and Re-Issues Decision to Find \u201cOccurrence\u201d for Construction Defect Claim - Advise &amp; Consult, Inc.\",\"isPartOf\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#website\"},\"datePublished\":\"2014-04-09T12:26:14+00:00\",\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.myconstructionexpert.com\/blog\/alabama-supreme-court-withdraws-re-issues-decision-find-occurrence-construction-defect-claim\/\"]}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#website\",\"url\":\"https:\/\/www.myconstructionexpert.com\/blog\/\",\"name\":\"Advise &amp; Consult, Inc.\",\"description\":\"Construction Expert Witnesses\",\"publisher\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.myconstructionexpert.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#organization\",\"name\":\"Advise & Consult\",\"url\":\"https:\/\/www.myconstructionexpert.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.myconstructionexpert.com\/blog\/wp-content\/uploads\/2015\/11\/AC-Red-Logo.png\",\"contentUrl\":\"https:\/\/www.myconstructionexpert.com\/blog\/wp-content\/uploads\/2015\/11\/AC-Red-Logo.png\",\"width\":162,\"height\":75,\"caption\":\"Advise & Consult\"},\"image\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/Advise-Consult-Inc-126949043996790\/\",\"https:\/\/x.com\/adviseconsult\",\"https:\/\/www.linkedin.com\/company-beta\/204526\/\",\"https:\/\/www.youtube.com\/user\/MrConstructionExpert\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/0a11abe008083d5fb19c2b0feefe7bd7\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/b01e71b7acadd7657af782b7ad1a30cc?s=96&d=mm&r=pg\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/b01e71b7acadd7657af782b7ad1a30cc?s=96&d=mm&r=pg\",\"caption\":\"admin\"},\"sameAs\":[\"http:\/\/www.expertwitnessinconstruction.com\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Alabama Supreme Court Withdraws and Re-Issues Decision to Find \u201cOccurrence\u201d for Construction Defect Claim - Advise &amp; Consult, Inc.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.myconstructionexpert.com\/blog\/alabama-supreme-court-withdraws-re-issues-decision-find-occurrence-construction-defect-claim\/","og_locale":"en_US","og_type":"article","og_title":"Alabama Supreme Court Withdraws and Re-Issues Decision to Find \u201cOccurrence\u201d for Construction Defect Claim - Advise &amp; Consult, Inc.","og_description":"Clifford J. Shapiro &#8211; April 1, 2014 Last September, the Alabama Supreme Court issued a decision that denied insurance coverage to a homebuilder on the ground that there can be no \u201coccurrence\u201d where construction defect claims do not allege property damage to something other than the home the policyholder built.\u00a0Owners Insurance Co. v. Jim Carr&hellip; Continue reading Alabama Supreme Court Withdraws and Re-Issues Decision to Find \u201cOccurrence\u201d for Construction Defect Claim","og_url":"https:\/\/www.myconstructionexpert.com\/blog\/alabama-supreme-court-withdraws-re-issues-decision-find-occurrence-construction-defect-claim\/","og_site_name":"Advise &amp; Consult, Inc.","article_publisher":"https:\/\/www.facebook.com\/Advise-Consult-Inc-126949043996790\/","article_published_time":"2014-04-09T12:26:14+00:00","author":"admin","twitter_card":"summary_large_image","twitter_creator":"@adviseconsult","twitter_site":"@adviseconsult","twitter_misc":{"Written by":"admin","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.myconstructionexpert.com\/blog\/alabama-supreme-court-withdraws-re-issues-decision-find-occurrence-construction-defect-claim\/#article","isPartOf":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/alabama-supreme-court-withdraws-re-issues-decision-find-occurrence-construction-defect-claim\/"},"author":{"name":"admin","@id":"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/0a11abe008083d5fb19c2b0feefe7bd7"},"headline":"Alabama Supreme Court Withdraws and Re-Issues Decision to Find \u201cOccurrence\u201d for Construction Defect Claim","datePublished":"2014-04-09T12:26:14+00:00","mainEntityOfPage":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/alabama-supreme-court-withdraws-re-issues-decision-find-occurrence-construction-defect-claim\/"},"wordCount":457,"commentCount":0,"publisher":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/#organization"},"keywords":["\"Occurrence\"","Alabama","Construction Defect Claim"],"articleSection":["Construction Defects","Insurance Claims"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.myconstructionexpert.com\/blog\/alabama-supreme-court-withdraws-re-issues-decision-find-occurrence-construction-defect-claim\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.myconstructionexpert.com\/blog\/alabama-supreme-court-withdraws-re-issues-decision-find-occurrence-construction-defect-claim\/","url":"https:\/\/www.myconstructionexpert.com\/blog\/alabama-supreme-court-withdraws-re-issues-decision-find-occurrence-construction-defect-claim\/","name":"Alabama Supreme Court Withdraws and Re-Issues Decision to Find \u201cOccurrence\u201d for Construction Defect Claim - Advise &amp; Consult, Inc.","isPartOf":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/#website"},"datePublished":"2014-04-09T12:26:14+00:00","inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.myconstructionexpert.com\/blog\/alabama-supreme-court-withdraws-re-issues-decision-find-occurrence-construction-defect-claim\/"]}]},{"@type":"WebSite","@id":"https:\/\/www.myconstructionexpert.com\/blog\/#website","url":"https:\/\/www.myconstructionexpert.com\/blog\/","name":"Advise &amp; Consult, Inc.","description":"Construction Expert Witnesses","publisher":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.myconstructionexpert.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.myconstructionexpert.com\/blog\/#organization","name":"Advise & Consult","url":"https:\/\/www.myconstructionexpert.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.myconstructionexpert.com\/blog\/wp-content\/uploads\/2015\/11\/AC-Red-Logo.png","contentUrl":"https:\/\/www.myconstructionexpert.com\/blog\/wp-content\/uploads\/2015\/11\/AC-Red-Logo.png","width":162,"height":75,"caption":"Advise & Consult"},"image":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/Advise-Consult-Inc-126949043996790\/","https:\/\/x.com\/adviseconsult","https:\/\/www.linkedin.com\/company-beta\/204526\/","https:\/\/www.youtube.com\/user\/MrConstructionExpert"]},{"@type":"Person","@id":"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/0a11abe008083d5fb19c2b0feefe7bd7","name":"admin","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/b01e71b7acadd7657af782b7ad1a30cc?s=96&d=mm&r=pg","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/b01e71b7acadd7657af782b7ad1a30cc?s=96&d=mm&r=pg","caption":"admin"},"sameAs":["http:\/\/www.expertwitnessinconstruction.com"]}]}},"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p2ztG6-K6","jetpack_likes_enabled":true,"_links":{"self":[{"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/posts\/2858","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/comments?post=2858"}],"version-history":[{"count":0,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/posts\/2858\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/media?parent=2858"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/categories?post=2858"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/tags?post=2858"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}