{"id":895848,"date":"2019-05-08T10:02:48","date_gmt":"2019-05-08T16:02:48","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=895848"},"modified":"2019-05-08T10:02:56","modified_gmt":"2019-05-08T16:02:56","slug":"that-particular-part-yet-more","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/that-particular-part-yet-more\/","title":{"rendered":"\u201cThat Particular Part\u201d \u2013 Yet More"},"content":{"rendered":"\n<p>David Smith | <a href=\"https:\/\/www.farellacoveragelaw.com\/2019\/04\/that-particular-part-yet-more.html\/\">Policyholder Perspective<\/a> | April 30, 2019<\/p>\n\n\n\n<p><strong>Massachusetts Appeals Court Gets It Right \u2013 Mostly<\/strong><\/p>\n\n\n\n<p>Hot on the heels of the Federal Tenth Circuit Court of Appeals\u2019 decision in\u00a0<em>MTI, Inc. v. Employers Insurance Company of Wausau<\/em>, __ F.3d __, 2019 WL 321423 (10th Cir. 2019) (about which I\u00a0wrote\u00a0earlier this month), the Appeals Court of Massachusetts also found that the phrase \u201cthat particular part\u201d as used in exclusions j(5) and j(6) in the CGL policy must be applied narrowly. In\u00a0<em>All America Ins. Co. v. Lampasona Concrete Corp.<\/em>, 95 Mass. App. Ct. 79 (2019), the court held that damage caused to an underlying vapor barrier and a tile and carpet finish applied on top of the concrete floor slab poured by Lampasona was not excluded from coverage by the j(6) exclusion in the Lampasona\u2019s policy. The court found that Lampasona did not install the vapor barrier or the tile\/carpet, so they were not \u201cthat particular part\u201d on which Lampasona was working.<\/p>\n\n\n\n<p>The underlying trial court had held that the three elements of the floor (the vapor barrier, the concrete and the tile\/carpet finish) were integral and inseparable parts of the flooring system. Thus, the court held that damage caused by Lampasona\u2019s pouring of the concrete slab (which pierced the vapor barrier which consequently let moisture pass through the concrete and damage the finish) was all to the same work product.<\/p>\n\n\n\n<p>The appellate court did not disagree that the flooring could be described as a single system. It did, however, rule that such a description was irrelevant to coverage. Lampasona did not install the vapor barrier or the tiles or carpet, and thus those elements were not the \u201cparticular part\u201d of the property that Lampasona worked on. Therefore, the exclusion did not apply to the costs of repairing the damage to those elements of the floor.<\/p>\n\n\n\n<p>In some ways, this is a better reasoned opinion than that of&nbsp;<em>MTI, Inc.<\/em>&nbsp;The MTI court found the exclusion to be ambiguous, and thus construed it against the insurer. In&nbsp;<em>Lampasona<\/em>, the court found that, although the contractor\u2019s work was closely connected with other parts of the overall project, the exclusion by its own terms did not apply to work not performed by the insured. The vapor barrier and the floor tiles and carpet were not \u201cthat particular part\u201d of the property on which the insured performed work.<\/p>\n\n\n\n<p>The one point the Massachusetts court got wrong was&nbsp;<em>dicta<\/em>&nbsp;in which it distinguished certain cases cited by the insurer on the ground that they dealt with coverage for general contractors, not subcontractors. This comment gives the impression that CGL coverage for subcontractors is somehow different than it is for general contractors. However, insurance industry materials have been clear for a very longtime that, in these circumstances, general contractors and subcontractors were to be provided the same coverage \u2013 the exclusion only applies to the property upon which the general contractor or subcontractor were actually working.<\/p>\n\n\n\n<p>We have noticed an unfortunate trend in these cases. Many attorneys don\u2019t seem to offer evidence of the insurance industry\u2019s intent regarding the scope of this coverage. At least in California, industry materials regarding the meaning of insurance policy terms is admissible under California Civil Code \u00a71645. As I have described in earlier posts [<a href=\"https:\/\/www.fbm.com\/publications\/state-appeals-courts-rule-on-that-particular-part-exclusions\/\">1<\/a>] [<a href=\"https:\/\/www.farellacoveragelaw.com\/2017\/06\/courts-misunderstand-meaning-particular-part.html\/\">2<\/a>] [<a href=\"https:\/\/www.farellacoveragelaw.com\/2009\/05\/that-particular-part-shouldnt-be-that-confusing.html\/\">3<\/a>], there is ample evidence of the insurance industry\u2019s intent to provide broad coverage in this area by using the phrase \u201cthat particular part\u201d to narrow exclusions j(5) and j(6).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>David Smith | Policyholder Perspective | April 30, 2019 Massachusetts Appeals Court Gets It Right \u2013 Mostly Hot on the heels of the Federal Tenth Circuit Court of Appeals\u2019 decision in\u00a0MTI, Inc. v. Employers Insurance Company of Wausau, __ F.3d __, 2019 WL 321423 (10th Cir. 2019) (about which I\u00a0wrote\u00a0earlier this month), the Appeals Court&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/that-particular-part-yet-more\/\">Continue reading <span class=\"screen-reader-text\">\u201cThat Particular Part\u201d \u2013 Yet More<\/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":[10791,9914],"tags":[9895,4739,10593,10780],"class_list":["post-895848","post","type-post","status-publish","format-standard","hentry","category-commercial-general-liability-policy","category-insurance-coverage","tag-advise-consult","tag-commercial-general-liability-policy","tag-insurance-coverage-disputes","tag-that-particular-part","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>\u201cThat Particular Part\u201d \u2013 Yet More - Advise &amp; 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