{"id":888287,"date":"2016-04-20T11:11:03","date_gmt":"2016-04-20T17:11:03","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=888287"},"modified":"2016-04-20T11:11:03","modified_gmt":"2016-04-20T17:11:03","slug":"what-is-a-permissions-granted-clause-and-how-does-it-affect-a-carriers-ability-to-disclaim-property-losses-for-increased-hazards","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/what-is-a-permissions-granted-clause-and-how-does-it-affect-a-carriers-ability-to-disclaim-property-losses-for-increased-hazards\/","title":{"rendered":"What Is a Permissions Granted Clause and How Does It Affect a Carrier’s Ability to Disclaim Property Losses for Increased Hazards?"},"content":{"rendered":"

Jennifer Van Voorhis\u00a0| Property Insurance Coverage Law Blog | April 13, 2016<\/p>\n

Most home owner policies have a potential coverage defense for \u201cincrease of hazard<\/a>.\u201d An increase of hazard clause generally allows a carrier to disclaim coverage when \u201ca new use is made of the insured property, or when its physical condition is changed from that which existed when the policy was written, and the new use or changed condition increases the risk assumed by the insurer.\u201d1<\/sup><\/p>\n

New Jersey\u2019s Standard Policy Forms for fire insurance policies, codified at N.J.S.A. 17:36-5.20, lists the conditions suspending or restricting insurance. It states:<\/p>\n

\u201cUnless otherwise provided in writing added hereto, this company shall not be liable for loss occurring (a) while the hazard is increased by any means within the control or knowledge of the insured; or (b) while a described building, whether intended for occupancy by owner or tenant, is vacant or unoccupied beyond a period of sixty consecutive days; or (c) as a result of explosion or riot, unless fire ensure, and in that event for loss by fire only.\u201d<\/p>\n

Recently, I was reading through a New Jersey Home Owner\u2019s policy of insurance and discovered a permissions granted clause appearing in the Section 1, Conditions form of the policy. The clause, as its title suggests, allows a policy holder certain allowances which might otherwise be excluded. Generally, a permissions granted clause will provide the insured a defense against a charge that a policy holder has increased the hazard<\/a> of a covered property.<\/p>\n

The \u2018permissions granted\u2019 in the above mentioned policy were \u201cThe residence premises may be vacant or unoccupied for any length of time, except where a time limit is indicated in this policy for specific perils\u201d. This extends the time in which a property can be vacant or unoccupied from the 60 day limit stated in N.J.S.A. 17:36-5.20 (depending on the type of loss and any limits regarding a specific peril).<\/p>\n

It is so important to read the entire policy when making a determination whether an event will be covered under your policy of insurance. Sometimes language in one clause will be negated by language in another clause, which in New Jersey will be interpreted in favor of the insured...<\/span><\/p>\n

To finish reading this article<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Jennifer Van Voorhis\u00a0| Property Insurance Coverage Law Blog | April 13, 2016 Most home owner policies have a potential coverage defense for \u201cincrease of hazard.\u201d An increase of hazard clause generally allows a carrier to disclaim coverage when \u201ca new use is made of the insured property, or when its physical condition is changed from… Continue reading What Is a Permissions Granted Clause and How Does It Affect a Carrier’s Ability to Disclaim Property Losses for Increased Hazards?<\/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":[3,9177],"class_list":["post-888287","post","type-post","status-publish","format-standard","hentry","category-insurance-claims","tag-insurance-claims","tag-permissions-granted-clause","entry"],"jetpack_publicize_connections":[],"yoast_head":"\nWhat Is a Permissions Granted Clause and How Does It Affect a Carrier's Ability to Disclaim Property Losses for Increased Hazards? - Advise & Consult, Inc.<\/title>\n<meta name=\"description\" content=\"a permissions granted clause will provide the insured a defense against a charge that a policy holder has increased the hazard of a covered property\" \/>\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\/what-is-a-permissions-granted-clause-and-how-does-it-affect-a-carriers-ability-to-disclaim-property-losses-for-increased-hazards\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Is a Permissions Granted Clause and How Does It Affect a Carrier's Ability to Disclaim Property Losses for Increased Hazards? - Advise & Consult, Inc.\" \/>\n<meta property=\"og:description\" content=\"a permissions granted clause will provide the insured a defense against a charge that a policy holder has increased the hazard of a covered property\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.myconstructionexpert.com\/blog\/what-is-a-permissions-granted-clause-and-how-does-it-affect-a-carriers-ability-to-disclaim-property-losses-for-increased-hazards\/\" \/>\n<meta property=\"og:site_name\" content=\"Advise & Consult, Inc.\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Advise-Consult-Inc-126949043996790\/\" \/>\n<meta property=\"article:published_time\" content=\"2016-04-20T17:11:03+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\/what-is-a-permissions-granted-clause-and-how-does-it-affect-a-carriers-ability-to-disclaim-property-losses-for-increased-hazards\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/what-is-a-permissions-granted-clause-and-how-does-it-affect-a-carriers-ability-to-disclaim-property-losses-for-increased-hazards\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/0a11abe008083d5fb19c2b0feefe7bd7\"},\"headline\":\"What Is a Permissions Granted Clause and How Does It Affect a Carrier’s Ability to Disclaim Property Losses for Increased Hazards?\",\"datePublished\":\"2016-04-20T17:11:03+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/what-is-a-permissions-granted-clause-and-how-does-it-affect-a-carriers-ability-to-disclaim-property-losses-for-increased-hazards\/\"},\"wordCount\":399,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#organization\"},\"keywords\":[\"Insurance Claims\",\"Permissions Granted Clause\"],\"articleSection\":[\"Insurance Claims\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.myconstructionexpert.com\/blog\/what-is-a-permissions-granted-clause-and-how-does-it-affect-a-carriers-ability-to-disclaim-property-losses-for-increased-hazards\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/what-is-a-permissions-granted-clause-and-how-does-it-affect-a-carriers-ability-to-disclaim-property-losses-for-increased-hazards\/\",\"url\":\"https:\/\/www.myconstructionexpert.com\/blog\/what-is-a-permissions-granted-clause-and-how-does-it-affect-a-carriers-ability-to-disclaim-property-losses-for-increased-hazards\/\",\"name\":\"What Is a Permissions Granted Clause and How Does It Affect a Carrier's Ability to Disclaim Property Losses for Increased Hazards? - Advise & Consult, Inc.\",\"isPartOf\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#website\"},\"datePublished\":\"2016-04-20T17:11:03+00:00\",\"description\":\"a permissions granted clause will provide the insured a defense against a charge that a policy holder has increased the hazard of a covered property\",\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.myconstructionexpert.com\/blog\/what-is-a-permissions-granted-clause-and-how-does-it-affect-a-carriers-ability-to-disclaim-property-losses-for-increased-hazards\/\"]}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#website\",\"url\":\"https:\/\/www.myconstructionexpert.com\/blog\/\",\"name\":\"Advise & 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":"What Is a Permissions Granted Clause and How Does It Affect a Carrier's Ability to Disclaim Property Losses for Increased Hazards? - Advise & Consult, Inc.","description":"a permissions granted clause will provide the insured a defense against a charge that a policy holder has increased the hazard of a covered property","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\/what-is-a-permissions-granted-clause-and-how-does-it-affect-a-carriers-ability-to-disclaim-property-losses-for-increased-hazards\/","og_locale":"en_US","og_type":"article","og_title":"What Is a Permissions Granted Clause and How Does It Affect a Carrier's Ability to Disclaim Property Losses for Increased Hazards? - Advise & Consult, Inc.","og_description":"a permissions granted clause will provide the insured a defense against a charge that a policy holder has increased the hazard of a covered property","og_url":"https:\/\/www.myconstructionexpert.com\/blog\/what-is-a-permissions-granted-clause-and-how-does-it-affect-a-carriers-ability-to-disclaim-property-losses-for-increased-hazards\/","og_site_name":"Advise & Consult, Inc.","article_publisher":"https:\/\/www.facebook.com\/Advise-Consult-Inc-126949043996790\/","article_published_time":"2016-04-20T17:11:03+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\/what-is-a-permissions-granted-clause-and-how-does-it-affect-a-carriers-ability-to-disclaim-property-losses-for-increased-hazards\/#article","isPartOf":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/what-is-a-permissions-granted-clause-and-how-does-it-affect-a-carriers-ability-to-disclaim-property-losses-for-increased-hazards\/"},"author":{"name":"admin","@id":"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/0a11abe008083d5fb19c2b0feefe7bd7"},"headline":"What Is a Permissions Granted Clause and How Does It Affect a Carrier’s Ability to Disclaim Property Losses for Increased Hazards?","datePublished":"2016-04-20T17:11:03+00:00","mainEntityOfPage":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/what-is-a-permissions-granted-clause-and-how-does-it-affect-a-carriers-ability-to-disclaim-property-losses-for-increased-hazards\/"},"wordCount":399,"commentCount":0,"publisher":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/#organization"},"keywords":["Insurance Claims","Permissions Granted Clause"],"articleSection":["Insurance Claims"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.myconstructionexpert.com\/blog\/what-is-a-permissions-granted-clause-and-how-does-it-affect-a-carriers-ability-to-disclaim-property-losses-for-increased-hazards\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.myconstructionexpert.com\/blog\/what-is-a-permissions-granted-clause-and-how-does-it-affect-a-carriers-ability-to-disclaim-property-losses-for-increased-hazards\/","url":"https:\/\/www.myconstructionexpert.com\/blog\/what-is-a-permissions-granted-clause-and-how-does-it-affect-a-carriers-ability-to-disclaim-property-losses-for-increased-hazards\/","name":"What Is a Permissions Granted Clause and How Does It Affect a Carrier's Ability to Disclaim Property Losses for Increased Hazards? - Advise & Consult, Inc.","isPartOf":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/#website"},"datePublished":"2016-04-20T17:11:03+00:00","description":"a permissions granted clause will provide the insured a defense against a charge that a policy holder has increased the hazard of a covered property","inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.myconstructionexpert.com\/blog\/what-is-a-permissions-granted-clause-and-how-does-it-affect-a-carriers-ability-to-disclaim-property-losses-for-increased-hazards\/"]}]},{"@type":"WebSite","@id":"https:\/\/www.myconstructionexpert.com\/blog\/#website","url":"https:\/\/www.myconstructionexpert.com\/blog\/","name":"Advise & 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\/p2ztG6-3J5d","jetpack_likes_enabled":true,"_links":{"self":[{"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/posts\/888287","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=888287"}],"version-history":[{"count":1,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/posts\/888287\/revisions"}],"predecessor-version":[{"id":888288,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/posts\/888287\/revisions\/888288"}],"wp:attachment":[{"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/media?parent=888287"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/categories?post=888287"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/tags?post=888287"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}