{"id":895936,"date":"2019-05-29T11:32:57","date_gmt":"2019-05-29T17:32:57","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=895936"},"modified":"2019-05-29T11:33:05","modified_gmt":"2019-05-29T17:33:05","slug":"repair-work-endorsement-punch-list-work","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/repair-work-endorsement-punch-list-work\/","title":{"rendered":"“Repair Work” Endorsements and Punch List Work"},"content":{"rendered":"\n

Jeremiah M. Welch | Saxe Doernberger & Vita<\/a> | May 7, 2019<\/p>\n\n\n\n

The recent white paper on\u00a0Repair Work Endorsements<\/a>\u00a0by\u00a0Jeremiah Welch, drew a storm of responses. Most were appreciative and included follow up questions, but there were those that lamented along the lines of: \u201cHow can that be? We\u2019ve been doing it this way for years\u2026\u201d. For the skeptics, the best approach to test the premise of the paper (that most \u201crepair work endorsements\u201d are at best redundant with the PCO extension and at worst restrictive) is to try to formulate a scenario where coverage would be available under a \u201crepair work endorsement\u201d but not under a PCO extension.<\/p>\n\n\n\n

Several folks asked about the impact of PCO extensions and repair work endorsements on \u201cpunch list\u201d work. \u201cPunch list\u201d work presents a related but different problem. The first issue is understanding what is meant by the term \u201cpunch list\u201d. You won\u2019t find that term in an ISO CGL policy. You may find it defined in a construction contract and a Google search will yield several similar definitions. In general, our industry uses the term \u201cpunch list\u201d to describe items identified toward the end of a project (often after the contractually defined point of \u201csubstantial completion\u201d) which must be completed in order to fully comply with the contract requirements\/scope. In short, \u201cpunch list\u201d items are items necessary to complete the work.<\/p>\n\n\n\n

The typical \u201crepair work\u201d endorsement does not cover \u201cpunch list\u201d work. Most \u201crepair work\u201d endorsements define \u201crepair work\u201d to mean repair of completed work. The definitions do not include finishing uncompleted work. Similarly, an extension of coverage for the \u201cproducts-completed operations hazard\u201d will typically not cover finishing uncompleted work. In general, if there is ongoing \u201cpunch list\u201d work, the best solution is to extend the policy period so that coverage for ongoing operations continues until the \u201cpunch list\u201d work is finished.<\/p>\n\n\n\n

(There is one potential exception where a PCO extension might <\/em>cover uncompleted work (including punch list), which comes from the ISO definition of the PCO hazard. Where that particular part of the work has been put to its intended use it is deemed completed. Case law provides very little guidance about how narrowly or broadly \u201cthat particular part\u201d is applied in this context. For example, if a floor has been occupied while final installation of a kitchen area is being completed, and an injury occurs in the kitchen area, I expect an insurer would argue that \u201cthat particular part\u201d means the kitchen, and while the floor may have been put to its intended use generally, the kitchen, specifically, was not put to its intended use. I think the insurer would have a decent argument that coverage under the policy\u2019s PCO extension was not available. In short, I would not recommend relying on a \u201cput to its intended use\u201d exception as a basis not to extend a policy period for uncompleted work.)<\/p>\n\n\n\n

Now for a curveball. Sometimes \u201cpunch list\u201d items, as defined above, are combined with pre-completion \u201crepair work\u201d. For example, during the completion of final finish work contractors scratch the floors. The floors have to be repaired before the owner accepts the project as finally complete. To date, no court case offers guidance on whether repair of the floors would be considered repair of completed work (and therefore covered under the PCO hazard) or repair of uncompleted work (and therefore not covered under the PCO hazard). I can see arguments in favor of either approach. If the work is not completed, neither a PCO extension nor a repair work endorsement will cover it because both cover only repair of completed work. In that case the solution would again be to ensure that the policy period is extended until the work is complete. But if the floor repair was deemed to be repair of completed work, it would be covered under the typical PCO extension. Again, we come to the result that the typical \u201crepair work\u201d endorsement adds nothing; we already had coverage under the PCO extension.<\/p>\n\n\n\n

As such, it seems safe to conclude that \u201crepair work endorsements\u201d do not cover \u201cpunch list\u201d work. Punch list work should be treated as \u201congoing operations\u201d and the policy period should be extended to accommodate it.<\/p>\n","protected":false},"excerpt":{"rendered":"

Jeremiah M. Welch | Saxe Doernberger & Vita | May 7, 2019 The recent white paper on\u00a0Repair Work Endorsements\u00a0by\u00a0Jeremiah Welch, drew a storm of responses. Most were appreciative and included follow up questions, but there were those that lamented along the lines of: \u201cHow can that be? We\u2019ve been doing it this way for years\u2026\u201d.… Continue reading “Repair Work” Endorsements and Punch List Work<\/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":[9895,23,10813,10812],"class_list":["post-895936","post","type-post","status-publish","format-standard","hentry","category-insurance-coverage","tag-advise-consult","tag-insurance-coverage","tag-punch-list-work","tag-repair-work-endoresement","entry"],"jetpack_publicize_connections":[],"yoast_head":"\n"Repair Work" Endorsements and Punch List Work - Advise & Consult, Inc.<\/title>\n<meta name=\"description\" content=\"try to formulate a scenario where coverage would be available under a \u201crepair work endorsement\u201d but not under a PCO extension\" \/>\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\/repair-work-endorsement-punch-list-work\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\""Repair Work" Endorsements and Punch List Work - Advise & Consult, Inc.\" \/>\n<meta property=\"og:description\" content=\"try to formulate a scenario where coverage would be available under a \u201crepair work endorsement\u201d but not under a PCO extension\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.myconstructionexpert.com\/blog\/repair-work-endorsement-punch-list-work\/\" \/>\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=\"2019-05-29T17:32:57+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-05-29T17:33:05+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=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/repair-work-endorsement-punch-list-work\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/repair-work-endorsement-punch-list-work\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/0a11abe008083d5fb19c2b0feefe7bd7\"},\"headline\":\"“Repair Work” Endorsements and Punch List Work\",\"datePublished\":\"2019-05-29T17:32:57+00:00\",\"dateModified\":\"2019-05-29T17:33:05+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/repair-work-endorsement-punch-list-work\/\"},\"wordCount\":713,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#organization\"},\"keywords\":[\"Advise & Consult\",\"insurance coverage\",\"Punch List Work\",\"Repair Work Endoresement\"],\"articleSection\":[\"Insurance Coverage\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.myconstructionexpert.com\/blog\/repair-work-endorsement-punch-list-work\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/repair-work-endorsement-punch-list-work\/\",\"url\":\"https:\/\/www.myconstructionexpert.com\/blog\/repair-work-endorsement-punch-list-work\/\",\"name\":\"\\\"Repair Work\\\" Endorsements and Punch List Work - Advise & Consult, Inc.\",\"isPartOf\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#website\"},\"datePublished\":\"2019-05-29T17:32:57+00:00\",\"dateModified\":\"2019-05-29T17:33:05+00:00\",\"description\":\"try to formulate a scenario where coverage would be available under a \u201crepair work endorsement\u201d but not under a PCO extension\",\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.myconstructionexpert.com\/blog\/repair-work-endorsement-punch-list-work\/\"]}]},{\"@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":"\"Repair Work\" Endorsements and Punch List Work - Advise & Consult, Inc.","description":"try to formulate a scenario where coverage would be available under a \u201crepair work endorsement\u201d but not under a PCO extension","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\/repair-work-endorsement-punch-list-work\/","og_locale":"en_US","og_type":"article","og_title":"\"Repair Work\" Endorsements and Punch List Work - Advise & Consult, Inc.","og_description":"try to formulate a scenario where coverage would be available under a \u201crepair work endorsement\u201d but not under a PCO extension","og_url":"https:\/\/www.myconstructionexpert.com\/blog\/repair-work-endorsement-punch-list-work\/","og_site_name":"Advise & Consult, Inc.","article_publisher":"https:\/\/www.facebook.com\/Advise-Consult-Inc-126949043996790\/","article_published_time":"2019-05-29T17:32:57+00:00","article_modified_time":"2019-05-29T17:33:05+00:00","author":"admin","twitter_card":"summary_large_image","twitter_creator":"@adviseconsult","twitter_site":"@adviseconsult","twitter_misc":{"Written by":"admin","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.myconstructionexpert.com\/blog\/repair-work-endorsement-punch-list-work\/#article","isPartOf":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/repair-work-endorsement-punch-list-work\/"},"author":{"name":"admin","@id":"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/0a11abe008083d5fb19c2b0feefe7bd7"},"headline":"“Repair Work” Endorsements and Punch List Work","datePublished":"2019-05-29T17:32:57+00:00","dateModified":"2019-05-29T17:33:05+00:00","mainEntityOfPage":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/repair-work-endorsement-punch-list-work\/"},"wordCount":713,"commentCount":0,"publisher":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/#organization"},"keywords":["Advise & Consult","insurance coverage","Punch List Work","Repair Work Endoresement"],"articleSection":["Insurance Coverage"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.myconstructionexpert.com\/blog\/repair-work-endorsement-punch-list-work\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.myconstructionexpert.com\/blog\/repair-work-endorsement-punch-list-work\/","url":"https:\/\/www.myconstructionexpert.com\/blog\/repair-work-endorsement-punch-list-work\/","name":"\"Repair Work\" Endorsements and Punch List Work - Advise & Consult, Inc.","isPartOf":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/#website"},"datePublished":"2019-05-29T17:32:57+00:00","dateModified":"2019-05-29T17:33:05+00:00","description":"try to formulate a scenario where coverage would be available under a \u201crepair work endorsement\u201d but not under a PCO extension","inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.myconstructionexpert.com\/blog\/repair-work-endorsement-punch-list-work\/"]}]},{"@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\/p2ztG6-3L4A","jetpack_likes_enabled":true,"_links":{"self":[{"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/posts\/895936","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=895936"}],"version-history":[{"count":1,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/posts\/895936\/revisions"}],"predecessor-version":[{"id":895937,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/posts\/895936\/revisions\/895937"}],"wp:attachment":[{"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/media?parent=895936"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/categories?post=895936"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/tags?post=895936"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}