{"id":608079,"date":"2015-03-10T06:52:25","date_gmt":"2015-03-10T12:52:25","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=608079"},"modified":"2015-03-04T11:52:58","modified_gmt":"2015-03-04T18:52:58","slug":"cgl-coverage-for-rip-and-tear-costs","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/cgl-coverage-for-rip-and-tear-costs\/","title":{"rendered":"CGL Coverage For Rip And Tear Costs"},"content":{"rendered":"<p>Peter M. Crofton | Smith Gambrell &amp; Russell LLP | February 25, 2015<\/p>\n<p>General contractors are all too familiar with the limitations in a CGL policy relating to defective work.\u00a0 Those limitations exclude coverage for costs associated with damage caused by &#8220;your work.&#8221; \u00a0There is a limited exception to the &#8220;your work&#8221; exclusion in some CGL policies that affords coverage for damage to other work caused by defective work performed by subcontractors (the &#8220;Subcontractor Exception&#8221;).\u00a0 Regardless, there is no coverage for the costs of correcting the defective work itself \u2013 only for damage to other work caused by the defective work.<\/p>\n<p>Water intrusion situations provide good examples of how this coverage works.\u00a0 A subcontractor&#8217;s defective installation of windows may result in water damage to carpet and drywall work performed by other subcontractors.\u00a0 A general contractor&#8217;s CGL policy may cover the cost of repairing the carpet and drywall under the Subcontractor Exception.\u00a0 However, the cost of correcting the defective window installation is normally not covered by the CGL policy.<\/p>\n<p>One question that sometimes arises is whether a CGL policy covers the cost of tearing out and reinstalling undamaged work required to facilitate the repair of the defective work (&#8220;rip and tear costs&#8221;).\u00a0 Few courts have expressly addressed this issue, and those that have are split on the coverage question.\u00a0 Some courts consider the rip and tear costs as part of the cost of correcting the defective work itself and, therefore, recoverable under the policy. See, e.g., Desert Mountain Prop. Ltd. P&#8217;ship v. Liberty Mut. Fire Ins. Co., 236 P.3d 421 (Az. App. 2010) (finding the cost of removing and repairing non-defective flooring to correct defectively compacted soil is non-recoverable damage).\u00a0 Other courts consider the ripping and tearing to be damage to other work that results from the defective work so that it is recoverable under the policy. \u00a0See, e.g., Dewitt Constr. Co. v. Charter Oak Fire Ins. Co., 307 F.3d 1127 (9th Cir. 2002) (finding the cost to demolish\u00a0non-defective pile caps installed atop defective piles was recoverable property damage).<\/p>\n<p>via <a href=\"http:\/\/www.mondaq.com\/article.asp?action=login&amp;articleid=377384&amp;email_access=on\">CGL Coverage For Rip And Tear Costs &#8211; Real Estate and Construction &#8211; United States<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Peter M. Crofton | Smith Gambrell &amp; Russell LLP | February 25, 2015 General contractors are all too familiar with the limitations in a CGL policy relating to defective work.\u00a0 Those limitations exclude coverage for costs associated with damage caused by &#8220;your work.&#8221; \u00a0There is a limited exception to the &#8220;your work&#8221; exclusion in some&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/cgl-coverage-for-rip-and-tear-costs\/\">Continue reading <span class=\"screen-reader-text\">CGL Coverage For Rip And Tear Costs<\/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":[4,30,3],"tags":[5496,19,7416,55],"class_list":["post-608079","post","type-post","status-publish","format-standard","hentry","category-construction-defects","category-general-liability-policy","category-insurance-claims","tag-cgl-coverage","tag-construction-defects-2","tag-rip-and-tear-costs","tag-water-intrusion","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>CGL Coverage For Rip And Tear Costs - 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\/cgl-coverage-for-rip-and-tear-costs\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"CGL Coverage For Rip And Tear Costs - Advise &amp; Consult, Inc.\" \/>\n<meta property=\"og:description\" content=\"Peter M. Crofton | Smith Gambrell &amp; Russell LLP | February 25, 2015 General contractors are all too familiar with the limitations in a CGL policy relating to defective work.\u00a0 Those limitations exclude coverage for costs associated with damage caused by &#8220;your work.&#8221; \u00a0There is a limited exception to the &#8220;your work&#8221; exclusion in some&hellip; Continue reading CGL Coverage For Rip And Tear Costs\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.myconstructionexpert.com\/blog\/cgl-coverage-for-rip-and-tear-costs\/\" \/>\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=\"2015-03-10T12:52:25+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\/cgl-coverage-for-rip-and-tear-costs\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/cgl-coverage-for-rip-and-tear-costs\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/0a11abe008083d5fb19c2b0feefe7bd7\"},\"headline\":\"CGL Coverage For Rip And Tear Costs\",\"datePublished\":\"2015-03-10T12:52:25+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/cgl-coverage-for-rip-and-tear-costs\/\"},\"wordCount\":358,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#organization\"},\"keywords\":[\"CGL Coverage\",\"construction defects\",\"Rip and Tear costs\",\"water intrusion\"],\"articleSection\":[\"Construction Defects\",\"General Liability Policy\",\"Insurance Claims\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.myconstructionexpert.com\/blog\/cgl-coverage-for-rip-and-tear-costs\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/cgl-coverage-for-rip-and-tear-costs\/\",\"url\":\"https:\/\/www.myconstructionexpert.com\/blog\/cgl-coverage-for-rip-and-tear-costs\/\",\"name\":\"CGL Coverage For Rip And Tear Costs - Advise &amp; 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