{"id":4578,"date":"2014-08-11T06:20:53","date_gmt":"2014-08-11T12:20:53","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=4578"},"modified":"2014-08-05T13:21:33","modified_gmt":"2014-08-05T19:21:33","slug":"new-jerseynew-york-occurrence","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/new-jerseynew-york-occurrence\/","title":{"rendered":"New Jersey\/New York \u201cOccurrence\u201d"},"content":{"rendered":"<p>Scott Patterson &#8211; CD Coverage<\/p>\n<p>In National Union Fire Insurance Co. of Pittsburgh, PA v. Turner Construction Co., 986 N.Y.S.2d 74 (N.Y. App. Div. 2014), Turner was the general contractor for a high rise office building constructed in New Jersey for owner GSJC.\u00a0 Turner subcontracted with Permasteelisa for the building\u2019s exterior curtain wall which consisted of granite and glass with an attached network of decorative pipe rails.\u00a0 A segment of the pipe rails fell from the building onto the street.\u00a0 GSJC determined that a significant percentage of the pipe rail connections to the curtain wall did not conform to specifications or were defective.\u00a0 GSJC sued Turner and Permasteelisa in New Jersey state court for breach of contract, breach of warranty, and negligence, seeking damages for the damage to the curtain wall and the danger of additional pipe rail falling in the future.\u00a0 National Union, which had issued an OCIP policy for the project, defended Turner and Permasteelisa under a reservation of rights and then filed a declaratory judgment action in New York state court.\u00a0 The New York trial court entered judgment for National Union.\u00a0 On appeal, the intermediate court of appeals affirmed.\u00a0\u00a0 As to choice of law, the court stated that<\/p>\n<blockquote><p>it is undisputed that the law of New Jersey governs this action, which turns on insurance policy interpretation, and that New Jersey and New York law are consistent as to the issues in dispute here.<\/p><\/blockquote>\n<p>The court then held that, under both New York and New Jersey law, faulty workmanship which results in damage to the insured\u2019s work only, regardless of whether any of the faulty work was performed by\u00a0the insured\u2019s\u00a0subcontractor, does not constitute an \u201coccurrence.\u201d\u00a0 The court rejected the argument that National Union\u2019s expansion of the definition of \u201coccurrence\u201d beyond an \u201caccident,\u201d to also include an \u201cevent or happening,\u201d dictated a different result:<\/p>\n<blockquote><p>[T]he addition of \u201chappening\u201d or \u201cevent\u201d to the definition of \u201coccurrence\u201d does not change the fact that fortuity is still an essential consideration under New Jersey and New York law when determining whether there is coverage under such a policy, and a claim for faulty workmanship simply does not involve fortuity.<\/p><\/blockquote>\n<p>via <a href=\"http:\/\/cdcoverage.com\/wordpress\/?p=1194\">New Jersey\/New York \u201coccurrence\u201d | CD Coverage<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Scott Patterson &#8211; CD Coverage In National Union Fire Insurance Co. of Pittsburgh, PA v. Turner Construction Co., 986 N.Y.S.2d 74 (N.Y. App. Div. 2014), Turner was the general contractor for a high rise office building constructed in New Jersey for owner GSJC.\u00a0 Turner subcontracted with Permasteelisa for the building\u2019s exterior curtain wall which consisted&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/new-jerseynew-york-occurrence\/\">Continue reading <span class=\"screen-reader-text\">New Jersey\/New York \u201cOccurrence\u201d<\/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":[309,19,3,139,303],"class_list":["post-4578","post","type-post","status-publish","format-standard","hentry","category-construction-defects","category-insurance-claims","tag-occurrence","tag-construction-defects-2","tag-insurance-claims","tag-new-jersey","tag-new-york","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>New Jersey\/New York \u201cOccurrence\u201d  - 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\/new-jerseynew-york-occurrence\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"New Jersey\/New York \u201cOccurrence\u201d  - Advise &amp; Consult, Inc.\" \/>\n<meta property=\"og:description\" content=\"Scott Patterson &#8211; CD Coverage In National Union Fire Insurance Co. of Pittsburgh, PA v. 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