{"id":804597,"date":"2015-06-26T06:47:30","date_gmt":"2015-06-26T12:47:30","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=804597"},"modified":"2015-06-10T09:48:13","modified_gmt":"2015-06-10T15:48:13","slug":"cgl-policy-did-not-afford-coverage-for-an-underlying-construction-defect-action-because-the-alleged-property-damage-was-discovered-after-the-policy-period-and-the-total-residential-construction-exclus","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/cgl-policy-did-not-afford-coverage-for-an-underlying-construction-defect-action-because-the-alleged-property-damage-was-discovered-after-the-policy-period-and-the-total-residential-construction-exclus\/","title":{"rendered":"CGL Policy Did Not Afford Coverage For An Underlying Construction Defect Action Because The Alleged Property Damage Was Discovered After The Policy Period And The Total Residential Construction Exclusion Was Implicated"},"content":{"rendered":"<p>Troutman Sanders | June 5, 2015<\/p>\n<p>Atain Specialty Ins. Co. v. North Bay Waterproofing, 2015 U.S. Dist. LEXIS 11404 (N.D. Cal. \u00a0Jan. 30, 2015)<\/p>\n<p>In Atain Speciality, the Northern District of California entered a default judgment in favor of the insurer because the damages alleged in an underlying construction defect action were not discovered until after the policy period and because the &#8220;Total Residential Construction&#8221; exclusion applied.<\/p>\n<p>The underlying construction defect action alleged property damage in connection with the construction of a 429-unit apartment complex.\u00a0 The insured general contractor and subcontractor tendered their defense to their CGL carrier, which had issued a policy that provided coverage only for property damage that is discovered within its policy period.\u00a0 The policy also contained a &#8220;Total Residential Construction&#8221; exclusion, which eliminated coverage for property damage to &#8220;any condominium, townhome, single family dwelling and other residential or track housing project.&#8221;\u00a0 The carrier denied coverage because the property damage at issue was discovered almost two years after the expiration of the policy period, and because the units at issue were residential properties.\u00a0 The carrier filed a declaratory relief action against the insureds, and the Northern District of California granted a default judgment for the carrier on both grounds.<\/p>\n<p>via <a href=\"http:\/\/www.mondaq.com\/article.asp?articleid=402796&amp;email_access=on\">CGL Policy Did Not Afford Coverage For An Underlying Construction Defect Action Because The Alleged Property Damage Was Discovered After The Policy Period And The Total Residential Construction Exclusion Was Implicated &#8211; Insurance &#8211; United States<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Troutman Sanders | June 5, 2015 Atain Specialty Ins. Co. v. North Bay Waterproofing, 2015 U.S. Dist. LEXIS 11404 (N.D. Cal. \u00a0Jan. 30, 2015) In Atain Speciality, the Northern District of California entered a default judgment in favor of the insurer because the damages alleged in an underlying construction defect action were not discovered until&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/cgl-policy-did-not-afford-coverage-for-an-underlying-construction-defect-action-because-the-alleged-property-damage-was-discovered-after-the-policy-period-and-the-total-residential-construction-exclus\/\">Continue reading <span class=\"screen-reader-text\">CGL Policy Did Not Afford Coverage For An Underlying Construction Defect Action Because The Alleged Property Damage Was Discovered After The Policy Period And The Total Residential Construction Exclusion Was Implicated<\/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":[392,19,56],"class_list":["post-804597","post","type-post","status-publish","format-standard","hentry","category-construction-defects","category-insurance-claims","tag-cgl-policy","tag-construction-defects-2","tag-property-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>CGL Policy Did Not Afford Coverage For An Underlying Construction Defect Action Because The Alleged Property Damage Was Discovered After The Policy Period And The Total Residential Construction Exclusion Was Implicated - 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-policy-did-not-afford-coverage-for-an-underlying-construction-defect-action-because-the-alleged-property-damage-was-discovered-after-the-policy-period-and-the-total-residential-construction-exclus\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"CGL Policy Did Not Afford Coverage For An Underlying Construction Defect Action Because The Alleged Property Damage Was Discovered After The Policy Period And The Total Residential Construction Exclusion Was Implicated - Advise &amp; Consult, Inc.\" \/>\n<meta property=\"og:description\" content=\"Troutman Sanders | June 5, 2015 Atain Specialty Ins. Co. v. North Bay Waterproofing, 2015 U.S. Dist. LEXIS 11404 (N.D. 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