{"id":895196,"date":"2018-11-15T10:10:01","date_gmt":"2018-11-15T17:10:01","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=895196"},"modified":"2018-11-15T10:10:01","modified_gmt":"2018-11-15T17:10:01","slug":"can-schedule-locations-affect-claim","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/can-schedule-locations-affect-claim\/","title":{"rendered":"How Can the Schedule of Locations Affect Your Claim?"},"content":{"rendered":"

Jennifer Van Voorhis | Property Insurance Coverage Law Blog<\/a> | November 11, 2018<\/p>\n

A \u2018schedule of location\u2019 lists property locations where insured assets are located. A homeowner\u2019s policy will list the house, possibly an additional structure. A business policy, when drafted properly, will list all locations insured under the policy where a business loss can occur. Failing to include all such locations can result in denial of what would otherwise be a covered loss.<\/p>\n

The Sixth Circuit Court of Appeals recently upheld an Ohio federal trial court ruling which dismissed a policyholder\u2019s action for breach of contract and bad faith against its insurance company.1<\/sup>\u00a0Berrylane Trading Inc. is a cellphone distributor based in Ohio. In December, a thief broke into Barrylane\u2019s Florida warehouse and stole approximately $1.7 million worth of iPhones. Unfortunately for Barrylane, the Florida warehouse was not listed on the schedule of locations covered by the property insurance policy, and the case was dismissed.<\/p>\n

Berrylane purchased a policy of insurance from Transportation Insurance Company which listed Berrylane\u2019s Bedford, Ohio, headquarters as Berrylane\u2019s only insured location. Berrylane also purchased an endorsement extending coverage to any property that the company \u201cnewly acquired\u201d during the policy period: April 2015-April 2016. Berrylane argued the extra coverage should apply as Berrylane did not begin using the warehouse until summer of 2015, after the policy inception date, however the court held that the lease for the warehouse, signed several months before, fit within the definition of \u2018acquire\u2019 and determined therefore the warehouse was not property newly acquired during the policy period.<\/p>\n

To help protect yourself, review the schedule of locations\u2014part of the declaration page\u2014and make sure any newly acquired locations have been added to the master policy. It\u2019s also a good idea to ascertain that building values and business interruption exposure is updated and current. You do not have to wait for your yearly renewal to make changes to the policy or add new acquired property locations.
\n______________________________
\n1<\/sup>\u00a0Berrylane Trading Inc. v. Transportation Ins. Co.<\/em>, No. 18-3144 (6th Cir. Nov. 2, 2018).<\/p>\n","protected":false},"excerpt":{"rendered":"

Jennifer Van Voorhis | Property Insurance Coverage Law Blog | November 11, 2018 A \u2018schedule of location\u2019 lists property locations where insured assets are located. A homeowner\u2019s policy will list the house, possibly an additional structure. A business policy, when drafted properly, will list all locations insured under the policy where a business loss can… Continue reading How Can the Schedule of Locations Affect Your Claim?<\/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":[9895,23,10667],"class_list":["post-895196","post","type-post","status-publish","format-standard","hentry","category-insurance-coverage","tag-advise-consult","tag-insurance-coverage","tag-schedule-of-locations","entry"],"jetpack_publicize_connections":[],"yoast_head":"\nHow Can the Schedule of Locations Affect Your Claim? 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