{"id":895032,"date":"2018-10-10T12:31:36","date_gmt":"2018-10-10T18:31:36","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=895032"},"modified":"2018-10-10T12:31:36","modified_gmt":"2018-10-10T18:31:36","slug":"collecting-immediate-remediation-costs","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/collecting-immediate-remediation-costs\/","title":{"rendered":"Collecting For Immediate Remediation Costs"},"content":{"rendered":"

Paul LaSalle | Property Insurance Coverage Law Blog<\/a> | October 7, 2018<\/p>\n

Insurance policies ordinarily contain terms that provide that an insured must exhibit the damaged property for the insurance company\u2019s inspection after a loss. The same policies also provide that an insured has a duty to mitigate damages to the property to prevent further damages. Does an insured breach the insurance policy by preventing the insurance company from assessing the full extent of damages if remediation work is performed at the property prior to the insurance company\u2019s inspection?<\/p>\n

The New Jersey Appellate Division recently addressed that scenario.1<\/sup>\u00a0In that case, two days after a fire, a public adjuster hired by the insured informed the insurance company of the fire and consequential property damage. Prior to the insurance company\u2019s claim specialist\u2019s inspection of the property to evaluate the property\u2019s damages, he told the public adjuster to complete only minor repairs and work necessary to prevent further damage to the property, but not to perform remediation work. However, when the claim specialist inspected the property six days after the fire, he found that a remediation company hired by the property owner had completely gutted areas of the property to the wood-framing studs. Consequently, the insurance company asserted that it could not assess the extent of damage caused by the fire because of the limited inspection its claim specialist was able to conduct.<\/p>\n

Unsatisfied that the amount the insurance company had paid was far less than the public adjuster\u2019s estimated replacement value, the insured sued alleging breach of contract and demanded additional compensation for damage to the property. The trial court dismissed the suit finding that the insured failed to satisfy her evidentiary burden as to damages because she had remediation work done prior to the insurance company\u2019s inspection.<\/p>\n

Ultimately, the Appellate Division reversed the trial court and ruled that it was for the jury to determine the material dispute regarding the insurance company\u2019s ability to determine the scope of the property\u2019s fire damage and the amount of compensation that the insured was entitled to receive under the insurance policy.<\/p>\n

This case illustrates the importance of fully documenting damages and preserving any damaged property until the insurer has had a chance to inspect.
\n______________________________
\n1<\/sup>\u00a0Chen v. State Farm Fire & Cas. Co.<\/em>, No. A-2814-16T1, 2018 WL 3625108 (N.J. Super. Ct. App. Div. July 31, 2018).<\/p>\n","protected":false},"excerpt":{"rendered":"

Paul LaSalle | Property Insurance Coverage Law Blog | October 7, 2018 Insurance policies ordinarily contain terms that provide that an insured must exhibit the damaged property for the insurance company\u2019s inspection after a loss. The same policies also provide that an insured has a duty to mitigate damages to the property to prevent further… Continue reading Collecting For Immediate Remediation Costs<\/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":[9895,23,56,126],"class_list":["post-895032","post","type-post","status-publish","format-standard","hentry","category-insurance-coverage","category-property-damage","tag-advise-consult","tag-insurance-coverage","tag-property-damage","tag-remediation","entry"],"jetpack_publicize_connections":[],"yoast_head":"\nCollecting For Immediate Remediation Costs - 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