{"id":487416,"date":"2015-02-05T06:18:57","date_gmt":"2015-02-05T13:18:57","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=487416"},"modified":"2015-02-02T15:19:34","modified_gmt":"2015-02-02T22:19:34","slug":"water-damage-occurring-several-year-period-can-occurrence-covered-insurance-policy-part-3","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/water-damage-occurring-several-year-period-can-occurrence-covered-insurance-policy-part-3\/","title":{"rendered":"Water Damage Occurring Over Several Year Period Can Be &#8220;Occurrence&#8221; Covered Under Insurance Policy&#8211;Part 3"},"content":{"rendered":"<p>Shawn Marker |\u00a0Property Insurance Coverage Law Blog | February 2, 2015<\/p>\n<p>As a follow up to my two earlier posts on this topic, Water Damage Occurring Over Several Year Period Can Be \u201cOccurrence\u201d Covered Under Insurance Policy\u2014<a href=\"https:\/\/www.myconstructionexpert.com\/blog\/water-damage-occurring-over-several-year-period-can-be-occurrence-covered-under-insurance-policy\/\">Parts 1<\/a> <a href=\"https:\/\/www.myconstructionexpert.com\/blog\/water-damage-occurring-over-several-year-period-can-be-occurrence-covered-under-insurance-policy-part-2\/\">and 2<\/a>, Chubb\u00a0had filed a motion for rehearing with the 7th Circuit Court of Appeals that had issued its opinion interpreting the issue under Wisconsin law. Recall this is the case where progressive water damage occurring over a sixteen year period was deemed a covered \u201coccurrence\u201d based on the language chosen by Chubb for its policy and Wisconsin\u2019s \u201ccontinuous trigger\u201d theory.1<\/p>\n<p>On January 15th, the Seventh Circuit denied Chubb\u2019s request for a rehearing or rehearing before the full panel of judges on the Seventh Circuit. As such, the Court refused to disturb its ruling that Chubb is responsible to pay the policyholders\u2019 claim for progressive water damage occurring over a sixteen year period. The Seventh Circuit did not have to give a detailed reason for its denial of Chubb\u2019s request for rehearing. No judge requested a vote on the petition for rehearing en banc and all of the judges on the case with the ruling voted to deny Chubb\u2019s petition for rehearing.<\/p>\n<p>Chubb argued that after this opinion, Wisconsin insurance law is in \u201can extreme minority\u201d when compared to other jurisdictions. The policyholders argued that the ruling is a limited Wisconsin state law issue and lacks any \u201cnational significance\u201d required for a rehearing.<\/p>\n<p>The case has gained attention from insurance industry groups and policyholder representatives. Whichever side of the fence you are on, the decision has wide reaching effects for insurers whose policies are worded with similar language to the Chubb policy involved in the case. Of course not every jurisdiction may have the \u201ccontinuous trigger\u201d theory so the law in the jurisdiction you are in would always need to be checked along with the policy language.<\/p>\n<p>1 Strauss v. Chubb Indem. Ins. Co., &#8212; F.3d &#8212;-, 2014 WL 6435314 (7th Cir. [Wis.] November 18, 2014).<\/p>\n<p>via <a href=\"http:\/\/www.propertyinsurancecoveragelaw.com\/2015\/02\/articles\/insurance\/water-damage-occurring-over-several-year-period-can-be-occurrence-covered-under-insurance-policypart-3\/\">Water Damage Occurring Over Several Year Period Can Be &#8220;Occurrence&#8221; Covered Under Insurance Policy&#8211;Part 3 : Property Insurance Coverage Law Blog<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Shawn Marker |\u00a0Property Insurance Coverage Law Blog | February 2, 2015 As a follow up to my two earlier posts on this topic, Water Damage Occurring Over Several Year Period Can Be \u201cOccurrence\u201d Covered Under Insurance Policy\u2014Parts 1 and 2, Chubb\u00a0had filed a motion for rehearing with the 7th Circuit Court of Appeals that had&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/water-damage-occurring-several-year-period-can-occurrence-covered-insurance-policy-part-3\/\">Continue reading <span class=\"screen-reader-text\">Water Damage Occurring Over Several Year Period Can Be &#8220;Occurrence&#8221; Covered Under Insurance Policy&#8211;Part 3<\/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":[309,3,496],"class_list":["post-487416","post","type-post","status-publish","format-standard","hentry","category-insurance-claims","tag-occurrence","tag-insurance-claims","tag-water-damage","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>Water Damage Occurring Over Several Year Period Can Be &quot;Occurrence&quot; Covered Under Insurance Policy-Part 3 - 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\/water-damage-occurring-several-year-period-can-occurrence-covered-insurance-policy-part-3\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Water Damage Occurring Over Several Year Period Can Be &quot;Occurrence&quot; Covered Under Insurance Policy-Part 3 - Advise &amp; Consult, Inc.\" \/>\n<meta property=\"og:description\" content=\"Shawn Marker |\u00a0Property Insurance Coverage Law Blog | February 2, 2015 As a follow up to my two earlier posts on this topic, Water Damage Occurring Over Several Year Period Can Be \u201cOccurrence\u201d Covered Under Insurance Policy\u2014Parts 1 and 2, Chubb\u00a0had filed a motion for rehearing with the 7th Circuit Court of Appeals that had&hellip; Continue reading Water Damage Occurring Over Several Year Period Can Be &#8220;Occurrence&#8221; Covered Under Insurance Policy&#8211;Part 3\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.myconstructionexpert.com\/blog\/water-damage-occurring-several-year-period-can-occurrence-covered-insurance-policy-part-3\/\" \/>\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=\"2015-02-05T13:18:57+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\/water-damage-occurring-several-year-period-can-occurrence-covered-insurance-policy-part-3\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/water-damage-occurring-several-year-period-can-occurrence-covered-insurance-policy-part-3\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/0a11abe008083d5fb19c2b0feefe7bd7\"},\"headline\":\"Water Damage Occurring Over Several Year Period Can Be &#8220;Occurrence&#8221; Covered Under Insurance Policy&#8211;Part 3\",\"datePublished\":\"2015-02-05T13:18:57+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/water-damage-occurring-several-year-period-can-occurrence-covered-insurance-policy-part-3\/\"},\"wordCount\":365,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#organization\"},\"keywords\":[\"\\\"Occurrence\\\"\",\"Insurance Claims\",\"Water Damage\"],\"articleSection\":[\"Insurance Claims\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.myconstructionexpert.com\/blog\/water-damage-occurring-several-year-period-can-occurrence-covered-insurance-policy-part-3\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/water-damage-occurring-several-year-period-can-occurrence-covered-insurance-policy-part-3\/\",\"url\":\"https:\/\/www.myconstructionexpert.com\/blog\/water-damage-occurring-several-year-period-can-occurrence-covered-insurance-policy-part-3\/\",\"name\":\"Water Damage Occurring Over Several Year Period Can Be \\\"Occurrence\\\" Covered Under Insurance Policy-Part 3 - Advise &amp; Consult, Inc.\",\"isPartOf\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#website\"},\"datePublished\":\"2015-02-05T13:18:57+00:00\",\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.myconstructionexpert.com\/blog\/water-damage-occurring-several-year-period-can-occurrence-covered-insurance-policy-part-3\/\"]}]},{\"@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":"Water Damage Occurring Over Several Year Period Can Be \"Occurrence\" Covered Under Insurance Policy-Part 3 - 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\/water-damage-occurring-several-year-period-can-occurrence-covered-insurance-policy-part-3\/","og_locale":"en_US","og_type":"article","og_title":"Water Damage Occurring Over Several Year Period Can Be \"Occurrence\" Covered Under Insurance Policy-Part 3 - Advise &amp; Consult, Inc.","og_description":"Shawn Marker |\u00a0Property Insurance Coverage Law Blog | February 2, 2015 As a follow up to my two earlier posts on this topic, Water Damage Occurring Over Several Year Period Can Be \u201cOccurrence\u201d Covered Under Insurance Policy\u2014Parts 1 and 2, Chubb\u00a0had filed a motion for rehearing with the 7th Circuit Court of Appeals that had&hellip; Continue reading Water Damage Occurring Over Several Year Period Can Be &#8220;Occurrence&#8221; Covered Under Insurance Policy&#8211;Part 3","og_url":"https:\/\/www.myconstructionexpert.com\/blog\/water-damage-occurring-several-year-period-can-occurrence-covered-insurance-policy-part-3\/","og_site_name":"Advise &amp; Consult, Inc.","article_publisher":"https:\/\/www.facebook.com\/Advise-Consult-Inc-126949043996790\/","article_published_time":"2015-02-05T13:18:57+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\/water-damage-occurring-several-year-period-can-occurrence-covered-insurance-policy-part-3\/#article","isPartOf":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/water-damage-occurring-several-year-period-can-occurrence-covered-insurance-policy-part-3\/"},"author":{"name":"admin","@id":"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/0a11abe008083d5fb19c2b0feefe7bd7"},"headline":"Water Damage Occurring Over Several Year Period Can Be &#8220;Occurrence&#8221; Covered Under Insurance Policy&#8211;Part 3","datePublished":"2015-02-05T13:18:57+00:00","mainEntityOfPage":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/water-damage-occurring-several-year-period-can-occurrence-covered-insurance-policy-part-3\/"},"wordCount":365,"commentCount":0,"publisher":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/#organization"},"keywords":["\"Occurrence\"","Insurance Claims","Water Damage"],"articleSection":["Insurance Claims"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.myconstructionexpert.com\/blog\/water-damage-occurring-several-year-period-can-occurrence-covered-insurance-policy-part-3\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.myconstructionexpert.com\/blog\/water-damage-occurring-several-year-period-can-occurrence-covered-insurance-policy-part-3\/","url":"https:\/\/www.myconstructionexpert.com\/blog\/water-damage-occurring-several-year-period-can-occurrence-covered-insurance-policy-part-3\/","name":"Water Damage Occurring Over Several Year Period Can Be \"Occurrence\" Covered Under Insurance Policy-Part 3 - Advise &amp; Consult, Inc.","isPartOf":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/#website"},"datePublished":"2015-02-05T13:18:57+00:00","inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.myconstructionexpert.com\/blog\/water-damage-occurring-several-year-period-can-occurrence-covered-insurance-policy-part-3\/"]}]},{"@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\/p2ztG6-22Ny","jetpack_likes_enabled":true,"_links":{"self":[{"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/posts\/487416","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=487416"}],"version-history":[{"count":0,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/posts\/487416\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/media?parent=487416"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/categories?post=487416"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/tags?post=487416"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}