{"id":892582,"date":"2017-07-20T13:44:39","date_gmt":"2017-07-20T19:44:39","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=892582"},"modified":"2017-07-20T13:44:39","modified_gmt":"2017-07-20T19:44:39","slug":"cracks-caused-construction-operations-may-covered","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/cracks-caused-construction-operations-may-covered\/","title":{"rendered":"Cracks Caused by Construction Operations May Be Covered"},"content":{"rendered":"

Chip Merlin | Property Insurance Coverage Law Blog<\/a> | July 14, 2017<\/p>\n

Judges often make erroneous decisions based on the information presented and argued to them by the attorneys selected by the parties. I was thinking about this while writing my post,\u00a0Experts Regarding Causation Can Be More Important Than Witnesses \u2014 or, Don\u2019t Believe Your Lying Eyes When Your Insurance Company Hires an Expert<\/em><\/a>.<\/p>\n

The policyholder in\u00a0King v. American Family Insurance<\/em>1<\/sup>\u00a0was represented by a legal aid society\u2014not attorneys specializing in property insurance law. Had the policyholder\u2019s attorneys done some simple research and subscribed to the\u00a0FC&S<\/em><\/a>\u00a0reference materials, they could have cited this bulletin:<\/p>\n

EARTH MOVEMENT EXCLUSION AND PILE DRIVING<\/strong><\/p>\n

 <\/p>\n

Pile driving nearby causes damage to insured\u2019s building. Insurer denies coverage due to earth movement exclusion. Is this a covered loss?<\/strong><\/p>\n

 <\/p>\n

July 24, 2008<\/p>\n

Q<\/strong>
\nThe insured\u2019s building is situated close to a highway on which some heavy reconstruction work is in process. The pile driving that is going on is sending tremors through the earth and the insured worries that his building may be damaged as a result. Will coverage for any damage be adversely affected by the earth movement exclusion contained in the form?<\/p>\n

Illinois Subscriber<\/p>\n

\u00a0A<\/strong>
\nNo, it will not.\u00a0The earth movement exclusion relates to earth tremors caused by natural forces. The earth movement that might be brought on by an explosion as well as by the action of the pile drivers is a horse of a different color. The examples of \u201cearth movement\u201d listed in the exclusion (earthquake, landslide, mine subsidence, or earth sinking, rising, or shifting and volcanic eruption or explosion) provide all the support that is necessary for the notion that natural causes are the subject of the exclusion.<\/strong><\/em><\/p><\/blockquote>\n

(Emphasis added)<\/p>\n

Larry Bache wrote on this topic in,\u00a0Are Damages Caused by Blasting or Other Man-Made Earth Movement Covered Under Your Insurance Policy?<\/em><\/a>\u00a0Indeed, I previously wrote\u00a0How Adjuster Reference Materials Can Help Change the Law<\/em><\/a>. There, I noted that the Insurance Service Office published a pamphlet instructing first party property insurers how to subrogate against construction companies after those insurers pay for the cracking caused by such construction activities<\/p>\n

There is even a website,\u00a0http:\/\/vibrationdamage.com\/index.htm<\/a>, devoted to the issue and instructs people how to make an insurance claim. The website correctly indicates that some insurance companies sell cheap insurance and changed the standard language to include exclusions for man-made earth movement. Don\u2019t buy insurance based on price!
\n___________
\n1<\/sup>\u00a0King v. Am. Family Ins.<\/em>, 2017-Ohio-5514, 2017 WL 2735614 (Ohio App. June 26, 2017)<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"

Chip Merlin | Property Insurance Coverage Law Blog | July 14, 2017 Judges often make erroneous decisions based on the information presented and argued to them by the attorneys selected by the parties. I was thinking about this while writing my post,\u00a0Experts Regarding Causation Can Be More Important Than Witnesses \u2014 or, Don\u2019t Believe Your… Continue reading Cracks Caused by Construction Operations May Be Covered<\/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":[14,9914],"tags":[9895,12,23],"class_list":["post-892582","post","type-post","status-publish","format-standard","hentry","category-construction-2","category-insurance-coverage","tag-advise-consult","tag-construction","tag-insurance-coverage","entry"],"jetpack_publicize_connections":[],"yoast_head":"\nCracks Caused by Construction Operations May Be Covered - Advise & Consult, Inc.<\/title>\n<meta name=\"description\" content=\"construction nearby causes damage to insured\u2019s building. Insurer denies coverage due to earth movement exclusion. Is this a covered loss?\" \/>\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\/cracks-caused-construction-operations-may-covered\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cracks Caused by Construction Operations May Be Covered - Advise & Consult, Inc.\" \/>\n<meta property=\"og:description\" content=\"construction nearby causes damage to insured\u2019s building. Insurer denies coverage due to earth movement exclusion. Is this a covered loss?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.myconstructionexpert.com\/blog\/cracks-caused-construction-operations-may-covered\/\" \/>\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=\"2017-07-20T19:44:39+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\/cracks-caused-construction-operations-may-covered\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/cracks-caused-construction-operations-may-covered\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/0a11abe008083d5fb19c2b0feefe7bd7\"},\"headline\":\"Cracks Caused by Construction Operations May Be Covered\",\"datePublished\":\"2017-07-20T19:44:39+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/cracks-caused-construction-operations-may-covered\/\"},\"wordCount\":433,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#organization\"},\"keywords\":[\"Advise & Consult\",\"construction\",\"insurance coverage\"],\"articleSection\":[\"Construction\",\"Insurance Coverage\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.myconstructionexpert.com\/blog\/cracks-caused-construction-operations-may-covered\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/cracks-caused-construction-operations-may-covered\/\",\"url\":\"https:\/\/www.myconstructionexpert.com\/blog\/cracks-caused-construction-operations-may-covered\/\",\"name\":\"Cracks Caused by Construction Operations May Be Covered - Advise & Consult, Inc.\",\"isPartOf\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#website\"},\"datePublished\":\"2017-07-20T19:44:39+00:00\",\"description\":\"construction nearby causes damage to insured\u2019s building. Insurer denies coverage due to earth movement exclusion. Is this a covered loss?\",\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.myconstructionexpert.com\/blog\/cracks-caused-construction-operations-may-covered\/\"]}]},{\"@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":"Cracks Caused by Construction Operations May Be Covered - Advise & Consult, Inc.","description":"construction nearby causes damage to insured\u2019s building. Insurer denies coverage due to earth movement exclusion. Is this a covered loss?","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\/cracks-caused-construction-operations-may-covered\/","og_locale":"en_US","og_type":"article","og_title":"Cracks Caused by Construction Operations May Be Covered - Advise & Consult, Inc.","og_description":"construction nearby causes damage to insured\u2019s building. Insurer denies coverage due to earth movement exclusion. Is this a covered loss?","og_url":"https:\/\/www.myconstructionexpert.com\/blog\/cracks-caused-construction-operations-may-covered\/","og_site_name":"Advise & Consult, Inc.","article_publisher":"https:\/\/www.facebook.com\/Advise-Consult-Inc-126949043996790\/","article_published_time":"2017-07-20T19:44:39+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\/cracks-caused-construction-operations-may-covered\/#article","isPartOf":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/cracks-caused-construction-operations-may-covered\/"},"author":{"name":"admin","@id":"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/0a11abe008083d5fb19c2b0feefe7bd7"},"headline":"Cracks Caused by Construction Operations May Be Covered","datePublished":"2017-07-20T19:44:39+00:00","mainEntityOfPage":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/cracks-caused-construction-operations-may-covered\/"},"wordCount":433,"commentCount":0,"publisher":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/#organization"},"keywords":["Advise & Consult","construction","insurance coverage"],"articleSection":["Construction","Insurance Coverage"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.myconstructionexpert.com\/blog\/cracks-caused-construction-operations-may-covered\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.myconstructionexpert.com\/blog\/cracks-caused-construction-operations-may-covered\/","url":"https:\/\/www.myconstructionexpert.com\/blog\/cracks-caused-construction-operations-may-covered\/","name":"Cracks Caused by Construction Operations May Be Covered - Advise & Consult, Inc.","isPartOf":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/#website"},"datePublished":"2017-07-20T19:44:39+00:00","description":"construction nearby causes damage to insured\u2019s building. Insurer denies coverage due to earth movement exclusion. Is this a covered loss?","inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.myconstructionexpert.com\/blog\/cracks-caused-construction-operations-may-covered\/"]}]},{"@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\/p2ztG6-3Kcu","jetpack_likes_enabled":true,"_links":{"self":[{"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/posts\/892582","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=892582"}],"version-history":[{"count":1,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/posts\/892582\/revisions"}],"predecessor-version":[{"id":892583,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/posts\/892582\/revisions\/892583"}],"wp:attachment":[{"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/media?parent=892582"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/categories?post=892582"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/tags?post=892582"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}