{"id":885096,"date":"2015-11-11T10:57:37","date_gmt":"2015-11-11T17:57:37","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=885096"},"modified":"2015-11-11T11:20:38","modified_gmt":"2015-11-11T18:20:38","slug":"florida-court-rejects-claim-replacement-of-undamaged-property-is-necessary-for-aesthetic-uniformity","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/florida-court-rejects-claim-replacement-of-undamaged-property-is-necessary-for-aesthetic-uniformity\/","title":{"rendered":"Florida Court Rejects Claim Replacement Of Undamaged Property Is Necessary For Aesthetic Uniformity"},"content":{"rendered":"

Dick Bennett | Cozen O’Connor | November 10, 2015<\/p>\n

Late last week a federal court in Florida tossed a condominium association\u2019s claims that it was entitled to replace undamaged <\/i>hallway carpeting, wallpaper, baseboards, and woodwork in order to \u201cachieve aesthetic uniformity\u201d with similar hallway components replaced after water damage<\/a>.\u00a0 In Great Amer. Ins. Co. v. Towers of Quayside No. 4 Condominium Ass\u2019n.<\/i>, 2015 U.S. Dist. LEXIS 150358, 2015 WL 6773870 (S.D. Fla., Nov. 4, 2015), the court held that replacing undamaged property to insure \u201cmatching<\/a>\u201d is only appropriate if the repairs concern \u201ca continuous run\u201d of items such as that.<\/p>\n

\"shutterstock_175299539\"The policyholder owned a 25-story condominium building in Miami.\u00a0 There was a tiled elevator landing on each floor separating the east and west hallways, and those portions of the structure on floors three through twenty-five had a uniform appearance by design.\u00a0 On February 11, 2013, a valve broke in an air conditioning unit on the east side of the 11th<\/sup> floor, and cascading water damaged the hallways on the east side of the building all the way down to the third floor.<\/span><\/p>\n

The policy insured against \u201cdirect physical loss,\u201d and it specifically excluded coverage for \u201c[d]elay, loss of use, loss of market, or any other consequential loss.\u201d\u00a0 The carrier paid $170,292 for damage to drywall, carpeting, baseboards, insulation, woodwork, and wallpaper in the east hallways.\u00a0 The insured contended that that did not constitute full compensation, however, arguing that it was entitled to replace undamaged hallway components (carpeting, wallpaper, baseboard, and woodwork) on both floors twelve through twenty-five and in the west side hallways on floors three through eleven in order to \u201cachieve aesthetic uniformity between the new carpeting, wallpaper, baseboards and woodwork installed in the area that suffered water damage and the rest of the building.\u201d\u00a0 According to the condominium association, that was necessary to completely restore the structure to its pre-loss condition<\/a>.<\/p>\n

The insurer responded by filing a declaratory judgment action and moving for summary judgment, and the motion was granted in part last Thursday by the Southern District of Florida\u2019s Judge James Lawrence King.\u00a0 In the words of the opinion, \u201cthe policy plainly only provides coverage for \u2018direct physical loss,\u2019 specifically excludes coverage for consequential loss, and makes no mention of \u2018matching\u2019 or \u2018aesthetic uniformity\u2019 at all.\u201d\u00a0 Judge King therefore held that there was no coverage whatsoever for replacement of undamaged hallway components on the 14 floors above the loss.\u00a0 In addition, he rejected the claim for carpeting replacement in the west side hallways on floors three through eleven because it was undisputed that a tiled lobby separated the east and west hallways.<\/p>\n

The judge denied the motion with respect to the remaining hallway components (wallpaper, baseboard, and woodwork) on floors three through eleven, however, noting that under Ocean View Towers Ass\u2019n. v. QBE Ins. Corp.<\/i>, 2011 WL 6754063, 2015 U.S. Dist. LEXIS 147579 (S.D. Fla. 2011)<\/p>\n

coverage for matching, for the purposes of achieving aesthetic uniformity, is appropriate where repairs concern \u2018any continuous run of an item or adjoining area\u2019 for materials such as wallpaper, baseboards, [and] woodwork.<\/p>\n

* * *<\/p>\n

[A]s it is unclear whether the wallpaper, baseboards, and woodwork on floors three through eleven form a continuous run from one end of the building to the other, or whether these components are separated from each other in the same manner the carpeting in the east and west hallways is separated by the central elevator lobby on each floor, Great American has failed to establish it is entitled to summary judgment with respect to whether it must provide \u201cmatching\u201d coverage for these components<\/p><\/blockquote>\n","protected":false},"excerpt":{"rendered":"

Dick Bennett | Cozen O’Connor | November 10, 2015 Late last week a federal court in Florida tossed a condominium association\u2019s claims that it was entitled to replace undamaged hallway carpeting, wallpaper, baseboards, and woodwork in order to \u201cachieve aesthetic uniformity\u201d with similar hallway components replaced after water damage.\u00a0 In Great Amer. Ins. Co. v.… Continue reading Florida Court Rejects Claim Replacement Of Undamaged Property Is Necessary For Aesthetic Uniformity<\/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":[164,3],"tags":[8910,11,496],"class_list":["post-885096","post","type-post","status-publish","format-standard","hentry","category-construction-dispute","category-insurance-claims","tag-aesthetic-uniformity","tag-insurance-claim","tag-water-damage","entry"],"jetpack_publicize_connections":[],"yoast_head":"\nFlorida 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