{"id":892207,"date":"2017-05-25T10:28:55","date_gmt":"2017-05-25T16:28:55","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=892207"},"modified":"2017-05-25T10:28:55","modified_gmt":"2017-05-25T16:28:55","slug":"building-damage-caused-copper-theft-not-excluded","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/building-damage-caused-copper-theft-not-excluded\/","title":{"rendered":"Building Damage Caused by Copper Theft Is Not Excluded"},"content":{"rendered":"<p>Christina Phillips | <a href=\"http:\/\/www.propertyinsurancecoveragelaw.com\/2017\/05\/articles\/insurance\/building-damage-caused-by-copper-theft-is-not-excluded\/\" target=\"_blank\">Property Insurance Coverage Law Blog<\/a> | May 20, 2017<\/p>\n<p>Theft of copper wiring or piping is a loss that impacts many in urban areas, but whether there is coverage for the loss is usually dependent upon the specific language of the insurance policy. This issue was recently addressed by the Tennessee Court of Appeals in <em>Dillon v. Tennessee Farmers Mutual Insurance Company<\/em>.<sup>1<\/sup><\/p>\n<p>The insured had purchased a home previously damaged by fire. The insured was not going to occupy the premises during renovations and purchased personal fire and extended coverage insurance policy from Tennessee Farmers. The policy specifically covered \u201cVandalism or Malicious Mischief\u201d as one of the nine enumerated covered perils. The terms \u201cVandalism\u201d and \u201cMalicious Mischief\u201d were undefined, but the provision did specifically state it did not apply to loss \u201cby theft, burglary or larceny. But it does apply to damage to the covered building which is caused by burglars.\u201d<\/p>\n<p>During renovations, the insured discovered that the home had been broken into and the intruders cut through the sheet rock and pulled out the wiring of all levels of the home. A claim was submitted to Tennessee Farmers who concluded there was coverage under the vandalism provision and tendered a small check to the insured\u2014although how Tennessee Farmers classified certain damage as \u201cvandalism\u201d was unknown. Following suit, the trial court held that the insured was only entitled to the amounts already paid for \u201cvandalism\u201d because the loss was caused by theft.<\/p>\n<p>On appeal, the appellate court looked closely at the language of the Vandalism or Malicious Mischief provision. Giving the provision \u201creasonable meaning\u201d in light of all provisions, the appeals court concluded that the cost of the copper wire itself was not recoverable, but the damage to the building caused by the burglars was.<br \/>\n_______________<br \/>\n<sup>1<\/sup> <em>Dillon v. Tennessee Farmers Mut. Ins. Co.<\/em>, No. E2016-01080, 2017 WL 1536484 (Tenn. App. April 27, 2017).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Christina Phillips | Property Insurance Coverage Law Blog | May 20, 2017 Theft of copper wiring or piping is a loss that impacts many in urban areas, but whether there is coverage for the loss is usually dependent upon the specific language of the insurance policy. This issue was recently addressed by the Tennessee Court&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/building-damage-caused-copper-theft-not-excluded\/\">Continue reading <span class=\"screen-reader-text\">Building Damage Caused by Copper Theft Is Not Excluded<\/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":[9914,9721],"tags":[9895,10062,23,56],"class_list":["post-892207","post","type-post","status-publish","format-standard","hentry","category-insurance-coverage","category-property-damage","tag-advise-consult","tag-copper-theft","tag-insurance-coverage","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>Building Damage Caused by Copper Theft Is Not Excluded - Advise &amp; 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