{"id":896964,"date":"2020-01-16T15:50:51","date_gmt":"2020-01-16T22:50:51","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=896964"},"modified":"2020-01-16T15:51:00","modified_gmt":"2020-01-16T22:51:00","slug":"interpretation-of-all-risk-insurance-collapse-under-scrutiny","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/interpretation-of-all-risk-insurance-collapse-under-scrutiny\/","title":{"rendered":"Insured\u2019s Leaky \u201cAbrupt\u201d Interpretation of All-Risk Insurance Collapses Under Eleventh Circuit Scrutiny"},"content":{"rendered":"\n<p>D. Barret Broussard | <a href=\"https:\/\/propertycasualtyfocus.com\/insureds-leaky-abrupt-interpretation-of-all-risk-insurance-collapses-under-eleventh-circuit-scrutiny\/\">Property Casualty Focus<\/a><\/p>\n\n\n\n<p>In\u00a0<em>S.O. Beach Corp. v. Great American Insurance Company of New York<\/em>, No. 18-1967 (11th Cir. Oct. 31, 2019), the Eleventh Circuit affirmed the district court\u2019s grant of summary judgment in full to the insurer, finding there was no ambiguity in the all-risk policy\u2019s definition of a \u201ccollapse\u201d as \u201can\u00a0<em>abrupt<\/em>\u00a0falling down or caving in of a building or any part of a building with the result that the building or part of the building cannot be occupied for its intended purpose\u201d (emphasis added).<\/p>\n\n\n\n<p>The case involved the caving in of several floors of the insured\u2019s building, which the insured claimed was caused by water damage from a leaking pipe that deteriorated the floors\u2019 sill plates, causing a \u201ccollapse.\u201d<\/p>\n\n\n\n<p>Under the all-risk policy, all fortuitous loss or damage would be covered unless there is fraud, willful misconduct, or a delineated exception. One such exception was for a \u201ccollapse,\u201d which, as set forth in the policy, would only be covered when caused by a specified cause of loss, including hidden decay.<\/p>\n\n\n\n<p>The district court granted summary judgment in full to the insurer on the basis that the insurer produced evidence that the collapse of the three floors was gradual, rather than abrupt, and therefore the loss was excluded under the policy. On appeal, the insured argued that the collapse provisions were ambiguous and should be construed against the insurer \u2014 specifically, the policy allegedly defined a collapse as abrupt while also providing that gradual decay may qualify as a collapse.<\/p>\n\n\n\n<p>The Eleventh Circuit disagreed with the insured, finding that \u201ccollapse\u201d was not ambiguous because causation and occurrence are not the same. While a collapse\u2019s causation may be something gradual or abrupt, the question is whether the collapse (i.e., the event of occurrence) itself is abrupt. Therefore, because the insured failed to produce any evidence that the collapse was abrupt, the Eleventh Circuit affirmed the district court\u2019s decision, effectively ending this campaign to carve out extra-contractual caving coverage.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>D. Barret Broussard | Property Casualty Focus In\u00a0S.O. Beach Corp. v. Great American Insurance Company of New York, No. 18-1967 (11th Cir. Oct. 31, 2019), the Eleventh Circuit affirmed the district court\u2019s grant of summary judgment in full to the insurer, finding there was no ambiguity in the all-risk policy\u2019s definition of a \u201ccollapse\u201d as&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/interpretation-of-all-risk-insurance-collapse-under-scrutiny\/\">Continue reading <span class=\"screen-reader-text\">Insured\u2019s Leaky \u201cAbrupt\u201d Interpretation of All-Risk Insurance Collapses Under Eleventh Circuit Scrutiny<\/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":[9895,11055,8672,23],"class_list":["post-896964","post","type-post","status-publish","format-standard","hentry","category-insurance-coverage","tag-advise-consult","tag-all-risk-policy","tag-collapse","tag-insurance-coverage","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>Insured\u2019s Leaky \u201cAbrupt\u201d Interpretation of All-Risk Insurance Collapses Under Eleventh Circuit Scrutiny - Advise &amp; Consult, Inc.<\/title>\n<meta name=\"description\" content=\"district court\u2019s grant of summary judgment in full to the insurer, finding there was no ambiguity in the all-risk policy\u2019s definition of a \u201ccollapse\u201d\" \/>\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\/interpretation-of-all-risk-insurance-collapse-under-scrutiny\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Insured\u2019s Leaky \u201cAbrupt\u201d Interpretation of All-Risk Insurance Collapses Under Eleventh Circuit Scrutiny - Advise &amp; Consult, Inc.\" \/>\n<meta property=\"og:description\" content=\"district court\u2019s grant of summary judgment in full to the insurer, finding there was no ambiguity in the all-risk policy\u2019s definition of a \u201ccollapse\u201d\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.myconstructionexpert.com\/blog\/interpretation-of-all-risk-insurance-collapse-under-scrutiny\/\" \/>\n<meta property=\"og:site_name\" content=\"Advise &amp; 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