{"id":894110,"date":"2018-05-03T10:50:15","date_gmt":"2018-05-03T16:50:15","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=894110"},"modified":"2018-05-03T10:50:15","modified_gmt":"2018-05-03T16:50:15","slug":"water-loss-resulting-pipe-failure-not-excluded-policy-language","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/water-loss-resulting-pipe-failure-not-excluded-policy-language\/","title":{"rendered":"Water Loss Resulting From Pipe Failure Not Excluded by Policy Language"},"content":{"rendered":"

Marie Laur | Property Insurance Coverage Law Blog<\/a> | April 26, 2018<\/p>\n

The Eleventh Circuit Court of Appeals recently ruled that a policy\u2019s exclusionary language did not apply to an insured\u2019s previously denied water loss.<\/p>\n

In the case,\u00a0Cameron v. Scottsdale Insurance Company<\/em>, the insured, Ken and Michelle Cameron (\u201cthe Camerons\u201d), suffered a loss to their residential rental dwelling when a pipe in the plumbing system collapsed, causing water to overflow from the kitchen sink drain and damage the dwelling. The pipe damage was due to age-related failure. The Camerons filed a claim with their insurance company, Scottsdale Insurance Company (\u201cScottsdale\u201d), which ultimately denied the claim based on exclusionary language in an endorsement to the insurance policy.<\/p>\n

The Camerons brought suit, arguing that the water damage was covered by the policy language which provided coverage for a loss caused by, \u201caccidental discharge or leakage of water\u2026as the direct result of the breaking apart of cracking of a plumbing\u2026system\u2026that is located on the described premises.\u201d Scottsdale claimed that the damage was excluded based on the policy\u2019s water exclusion endorsement. The endorsement excluded damage caused by water that overflowed from a sewer or drain.<\/p>\n

The U.S. District Court for the Southern District of Florida held1<\/sup>\u00a0that the water was caused by a drain backup, and therefore, the plain language of the endorsement applied. Accordingly, Scottsdale\u2019s Motion for Summary Judgment was granted.<\/p>\n

The Camerons appealed, and the 11th Circuit Court of Appeals agreed with the Camerons\u2019 assertion2<\/sup>\u00a0that the policy\u2019s exclusionary language did not apply because the loss was originally caused by the deterioration of the pipe, which then lead to the drain\u2019s overflow. Since the loss was caused by the plumbing system failure, it was covered under the policy.
\n_____________________
\n1<\/sup>\u00a0Cameron v. Scottsdale Ins. Co.<\/em>, No. 16-cv-21704 (S.D. Fla. Mar. 28, 2017).
\n2<\/sup>\u00a0Cameron v. Scottsdale Ins. Co.<\/em>, No. 17-11907 (11th Cir. April 16, 2018).<\/p>\n","protected":false},"excerpt":{"rendered":"

Marie Laur | Property Insurance Coverage Law Blog | April 26, 2018 The Eleventh Circuit Court of Appeals recently ruled that a policy\u2019s exclusionary language did not apply to an insured\u2019s previously denied water loss. In the case,\u00a0Cameron v. Scottsdale Insurance Company, the insured, Ken and Michelle Cameron (\u201cthe Camerons\u201d), suffered a loss to their… Continue reading Water Loss Resulting From Pipe Failure Not Excluded by Policy Language<\/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],"tags":[9895,23,496],"class_list":["post-894110","post","type-post","status-publish","format-standard","hentry","category-insurance-coverage","tag-advise-consult","tag-insurance-coverage","tag-water-damage","entry"],"jetpack_publicize_connections":[],"yoast_head":"\nWater Loss Resulting From Pipe Failure Not Excluded by Policy Language - 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