{"id":2979,"date":"2014-06-13T06:48:01","date_gmt":"2014-06-13T12:48:01","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=2979"},"modified":"2014-06-10T13:11:07","modified_gmt":"2014-06-10T19:11:07","slug":"stranger-fiction-property-insurance-policies-cover-exploding-corpses-property-insurance-coverage-law-blog","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/stranger-fiction-property-insurance-policies-cover-exploding-corpses-property-insurance-coverage-law-blog\/","title":{"rendered":"Stranger Than Fiction: Property Insurance Policies Do Not Cover&#8230;Exploding Corpses!!?!"},"content":{"rendered":"<p>Charles Mathis &#8211; May 20, 2014<\/p>\n<p>Certainly the majority of an attorney\u2019s work in any given field has a certain amount of repetition, whether returning clients or similar claims. However, occasionally a case comes along\u00a0unlike any you\u2019ve ever seen before: Last week,\u00a0Florida&#8217;s Fourth District Court of Appeal\u00a0ruled that damage caused to a home due to an exploding corpse was not a covered peril.1<\/p>\n<p>In November 2009, Judy Rodrigo filed a lawsuit against her condomimuim association after her upstairs neighbor passed away. The lawsuit alleges that in October of 2007, Rodrigo\u2019s neighbor died and her body later, \u201cexploded causing blood and bodily fluids to go into the Plaintiff\u2019s adjoining condominium.\u201d Apparently, the deceased woman\u2019s body went undiscovered for two weeks where it underwent normal decomposition and ultimately led to the body building up enough pressure that it exploded.<\/p>\n<p>Saving you any further explicit gory details, Rodrigo\u2019s condominium sustained damages as a result of leaking bodily fluids which ultimately resulted in her gutting her apartment. After several years of legal battles, Ms. Rodrigo eventually filed suit against her insurer, State Farm Insurance Company, after they denied full coverage claiming that damage was caused by a peril not covered by her policy.2<\/p>\n<p>The Ms. Rodrigo argued that explosions were in fact a covered peril under her policy and the damage resulting from the exploding body should be covered. State Farm filed a motion for summary judgment which the trial court granted. Ms. Rodrigo appealed and on April 23, 2014, the appellate court looked to the plain meaning of the term, \u201cexplosion\u201d and affirmed the dismissal of Ms. Rodigo&#8217;s claims.<\/p>\n<p>The Court found,<\/p>\n<p>The plain meaning of the term \u2018explosion\u2019 does not include a decomposing body\u2019s cells explosively expanding, causing leakage of bodily fluids. In short, although novel in her attempt to do so, the insured could not establish that the decomposing body was tantamount to an explosion.<\/p>\n<p>It certainly wasn\u2019t another normal day at the office for the attorney when this case came in.<\/p>\n<p>1 Rodrigo v. State Farm Florida Ins. Co., No. 4D12-33410 (Fla. 4th DCA April 23, 2014).<\/p>\n<p>2 http:\/\/blogs.browardpalmbeach.com\/pulp\/2014\/04\/florida_woman_must_pay_for_dam.php (Last accessed 5\/18\/2014).<\/p>\n<p>via <a href=\"http:\/\/www.propertyinsurancecoveragelaw.com\/2014\/05\/articles\/insurance\/stranger-than-fiction-property-insurance-policies-do-not-coverexploding-corpses\/\">Stranger Than Fiction: Property Insurance Policies Do Not Cover&#8230;Exploding Corpses!!?! : Property Insurance Coverage Law Blog<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Charles Mathis &#8211; May 20, 2014 Certainly the majority of an attorney\u2019s work in any given field has a certain amount of repetition, whether returning clients or similar claims. However, occasionally a case comes along\u00a0unlike any you\u2019ve ever seen before: Last week,\u00a0Florida&#8217;s Fourth District Court of Appeal\u00a0ruled that damage caused to a home due to&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/stranger-fiction-property-insurance-policies-cover-exploding-corpses-property-insurance-coverage-law-blog\/\">Continue reading <span class=\"screen-reader-text\">Stranger Than Fiction: Property Insurance Policies Do Not Cover&#8230;Exploding Corpses!!?!<\/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":[3,534],"class_list":["post-2979","post","type-post","status-publish","format-standard","hentry","category-insurance-claims","tag-insurance-claims","tag-property-insurance-policy","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>Stranger Than Fiction: Property Insurance Policies Do Not Cover...Exploding Corpses!!?! - 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\/stranger-fiction-property-insurance-policies-cover-exploding-corpses-property-insurance-coverage-law-blog\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Stranger Than Fiction: Property Insurance Policies Do Not Cover...Exploding Corpses!!?! - Advise &amp; Consult, Inc.\" \/>\n<meta property=\"og:description\" content=\"Charles Mathis &#8211; May 20, 2014 Certainly the majority of an attorney\u2019s work in any given field has a certain amount of repetition, whether returning clients or similar claims. However, occasionally a case comes along\u00a0unlike any you\u2019ve ever seen before: Last week,\u00a0Florida&#8217;s Fourth District Court of Appeal\u00a0ruled that damage caused to a home due to&hellip; Continue reading Stranger Than Fiction: Property Insurance Policies Do Not Cover&#8230;Exploding Corpses!!?!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.myconstructionexpert.com\/blog\/stranger-fiction-property-insurance-policies-cover-exploding-corpses-property-insurance-coverage-law-blog\/\" \/>\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=\"2014-06-13T12:48:01+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\/stranger-fiction-property-insurance-policies-cover-exploding-corpses-property-insurance-coverage-law-blog\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/stranger-fiction-property-insurance-policies-cover-exploding-corpses-property-insurance-coverage-law-blog\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/0a11abe008083d5fb19c2b0feefe7bd7\"},\"headline\":\"Stranger Than Fiction: Property Insurance Policies Do Not Cover&#8230;Exploding Corpses!!?!\",\"datePublished\":\"2014-06-13T12:48:01+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/stranger-fiction-property-insurance-policies-cover-exploding-corpses-property-insurance-coverage-law-blog\/\"},\"wordCount\":394,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#organization\"},\"keywords\":[\"Insurance Claims\",\"Property Insurance Policy\"],\"articleSection\":[\"Insurance Claims\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.myconstructionexpert.com\/blog\/stranger-fiction-property-insurance-policies-cover-exploding-corpses-property-insurance-coverage-law-blog\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/stranger-fiction-property-insurance-policies-cover-exploding-corpses-property-insurance-coverage-law-blog\/\",\"url\":\"https:\/\/www.myconstructionexpert.com\/blog\/stranger-fiction-property-insurance-policies-cover-exploding-corpses-property-insurance-coverage-law-blog\/\",\"name\":\"Stranger Than Fiction: Property Insurance Policies Do Not Cover...Exploding Corpses!!?! 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