{"id":691424,"date":"2015-04-10T06:05:04","date_gmt":"2015-04-10T12:05:04","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=691424"},"modified":"2015-04-08T10:05:41","modified_gmt":"2015-04-08T16:05:41","slug":"insurers-argue-damage-by-meteor-is-all-that-is-covered-in-a-cgl","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/insurers-argue-damage-by-meteor-is-all-that-is-covered-in-a-cgl\/","title":{"rendered":"Insurers Argue Damage by Meteor is all that is Covered in a CGL"},"content":{"rendered":"<p>Joan Cotkin\u00a0| Litigation Advocates | April 3, 2015<\/p>\n<p>In a decision out of the Superior Court in Delaware, Judge Rocanelli bought a favorite insurance industry argument so extreme, several state legislatures (including Colorado and South Carolina) have passed laws overruling court decisions in their states adopting it.<\/p>\n<p>The argument is that the definition of \u201coccurrence\u201d in a Commercial General Liability (\u201cCGL\u201d) policy \u201can accident, including continuous or repeated exposure to substantially the same general harmful conditions\u201d really means \u201can event happening without human agency, or, if happening through such agency, an event which under circumstances, is unusual and not expected by the person to whom it happens.\u201d<\/p>\n<p>This unusual judicially extended definition then supported Judge Rocanelli\u2019s further conclusion that defective workmanship does not constitute an occurrence, where a builder was sued by a homeowner who discovered damages in the home years after the home was built.\u00a0 Judge Rocanelli skipped over the second part of this judicially created definition\u2014not even giving voice to the obvious point that the homeowners did not expect negligent work by the builder and the ensuing losses may well have been unusual (however \u201cunusual\u201d is further defined by the Court). \u00a0Rather this Court stopped at the first part: concluding human agency was involved!\u00a0 So this builder would presumably have been entitled to a defense if the homeowner sued him because meteor struck his home, but not otherwise!\u00a0 Odd that a liability policy issued to a builder would escape the obligation to defend claims for any property damage caused by the builder\u2019s negligence!\u00a0 Why should builders bother paying premiums in Delaware for such policies?<\/p>\n<p>Fortunately in California and many other states, the law is not so distorted, and where there is resulting property damage to work other than the insured\u2019s own work, or property damage caused by negligent work by subcontractors, the courts have had no problem finding an occurrence and there is a duty to defend under the plain terms of these standard policies.<\/p>\n<p>via <a href=\"http:\/\/www.nossamanlitigationadvocates.com\/2015\/04\/insurers-argue-damage-by-meteor-is-all-that-is-covered-in-a-cgl\/?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+NossamanLitigationAdvocates+%28Nossaman+Litigation+Advocates%29\">Insurers Argue Damage by Meteor is all that is Covered in a CGL | Litigation Advocates<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Joan Cotkin\u00a0| Litigation Advocates | April 3, 2015 In a decision out of the Superior Court in Delaware, Judge Rocanelli bought a favorite insurance industry argument so extreme, several state legislatures (including Colorado and South Carolina) have passed laws overruling court decisions in their states adopting it. The argument is that the definition of \u201coccurrence\u201d&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/insurers-argue-damage-by-meteor-is-all-that-is-covered-in-a-cgl\/\">Continue reading <span class=\"screen-reader-text\">Insurers Argue Damage by Meteor is all that is Covered in a CGL<\/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":[30,3],"tags":[179,11],"class_list":["post-691424","post","type-post","status-publish","format-standard","hentry","category-general-liability-policy","category-insurance-claims","tag-commercial-general-liability","tag-insurance-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>Insurers Argue Damage by Meteor is all that is Covered in a CGL - 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\/insurers-argue-damage-by-meteor-is-all-that-is-covered-in-a-cgl\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Insurers Argue Damage by Meteor is all that is Covered in a CGL - Advise &amp; Consult, Inc.\" \/>\n<meta property=\"og:description\" content=\"Joan Cotkin\u00a0| Litigation Advocates | April 3, 2015 In a decision out of the Superior Court in Delaware, Judge Rocanelli bought a favorite insurance industry argument so extreme, several state legislatures (including Colorado and South Carolina) have passed laws overruling court decisions in their states adopting it. 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