{"id":897629,"date":"2020-06-25T11:08:50","date_gmt":"2020-06-25T17:08:50","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=897629"},"modified":"2020-06-25T11:08:52","modified_gmt":"2020-06-25T17:08:52","slug":"eifs-insurance-coverage-exclusions","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/eifs-insurance-coverage-exclusions\/","title":{"rendered":"Interpreting Insurance Coverage and Exclusions: When Sudden means Sudden and EIFS means Faulty"},"content":{"rendered":"\n<p>Ben Volpe | <a href=\"http:\/\/www.coloradoconstructionlitigation.com\/2020\/02\/interpreting-insurance-coverage-and.html\" target=\"_blank\" rel=\"noreferrer noopener\">Higgins, Hopkins, McLain &amp; Roswell<\/a><\/p>\n\n\n\n<p><a rel=\"noreferrer noopener\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/most-common-claimed-issues-construction-defect-litigation\/\" target=\"_blank\">EIFS<\/a>, or\u00a0Exterior Insulation and Finish System, is an integrated exterior insulation and synthetic stucco system, praised for its energy efficiency.<a href=\"file:\/\/\/F:\/Administrative\/Blog%20Entries%20&amp;%20Articles\/Blog%20-%20Mock%20v.%20Allstate.docx#_ftn1\">[1]<\/a>\u00a0However, EIFS has come to be well known in the construction defect world as placing homes at risk due to a lack of a built-in moisture management system. Before long, insurance companies recognized the risk and began explicitly excluding coverage for EIFS-related damage. However, EIFS exclusions have not always been so clearly set forth in some policies, causing insurance coverage litigation.<\/p>\n\n\n\n<p>Recently, a Greenwood Village couple, Mark and Susan Mock, lost this fight.<br>Built in 1994, the Mocks\u2019 home was constructed with an EIFS system. The Mocks carried a homeowner\u2019s insurance policy through Allstate, which covered \u201csudden and accidental loss\u201d to property, but excluded coverage for \u201cplanning, construction or maintenance\u201d issues. Such \u201cplanning, construction or maintenance\u201d exclusions included \u201cfaulty, inadequate or defective designs.\u201d<\/p>\n\n\n\n<p>A few months after a hailstorm, the Mocks discovered moisture-related damage to their home\u2019s EIFS system. They reported the damage to Allstate, but Allstate would not cover it, reasoning that the damage to the EIFS system was excluded as a design and\/or construction failure, and thus not covered as a \u201csudden and accidental\u201d loss. The experts who evaluated the damage concluded it was the result of inherent flaws in the EIFS systems common in the 1994 timeframe, which involved long term moisture intrusion behind the cladding and no means for the water to escape.<br>The Mocks subsequently sued Allstate for 1) entry of a declaratory judgment; 2) breach of contract; 3) common law insurance bad faith; and 4) improper denial of claim under C.R.S. \u00a7 10-3-1115.<a href=\"file:\/\/\/F:\/Administrative\/Blog%20Entries%20&amp;%20Articles\/Blog%20-%20Mock%20v.%20Allstate.docx#_ftn2\">[2]<\/a>\u00a0Allstate moved for summary judgment.<\/p>\n\n\n\n<p><strong><em>The District Court Case: When Sudden means Sudden<\/em><\/strong><\/p>\n\n\n\n<p>At the district court level, the Mocks made several arguments for denial of Allstate\u2019s summary judgment motion, only two of which the court analyzed.<br>First, the Mocks argued Allstate\u2019s policy was ambiguous. That is, because the policy expressly covered sudden and accidental loss to property without defining \u201csudden and accidental,\u201d the terms should be construed against the insurance company and in favor of the insured to mean \u201cunexpected and unintended.\u201d<a href=\"file:\/\/\/F:\/Administrative\/Blog%20Entries%20&amp;%20Articles\/Blog%20-%20Mock%20v.%20Allstate.docx#_ftn3\">[3]<\/a>\u00a0Because the damage to their home was \u201cunexpected and unintended,\u201d the Mocks argued, the loss should be covered.<a href=\"file:\/\/\/F:\/Administrative\/Blog%20Entries%20&amp;%20Articles\/Blog%20-%20Mock%20v.%20Allstate.docx#_ftn4\">[4]<\/a>\u00a0In making this argument, the Mocks relied on\u00a0Hecla Min. Co. v. N.H. Ins. Co., 811 P.2d 1083, 1090 (Colo. 1991), which defined \u201csudden and accidental\u201d in certain pollution policy exclusions to mean \u201cunexpected and unintended.\u201d<br>However, here, the district court found\u00a0Hecla\u2019s definition of \u201csudden and accidental\u201d to be inapposite.<\/p>\n\n\n\n<p>Hecla\u00a0holds that \u201ca pollution exclusion clause in a commercial liability insurance policy which provides coverage for a \u2018sudden and accidental\u2019 event is inconsistent with that policy\u2019s definition of an \u2018occurrence\u2019 as an accident including \u2018continuous or repeated exposure to conditions.\u2019\u201d Because of that inconsistency,\u00a0Hecla\u00a0held that the word \u201csudden\u201d in that context was ambiguous and defined it to mean \u201cunexpected and unintended,\u201d so as to ensure consistency in the policy.<a href=\"file:\/\/\/F:\/Administrative\/Blog%20Entries%20&amp;%20Articles\/Blog%20-%20Mock%20v.%20Allstate.docx#_ftn5\">[5]<\/a>\u00a0In other words,\u00a0Hecla\u00a0was about defining ambiguous terms in an insurance policy to be harmonious with one another, ensuring none are rendered meaningless.<a href=\"file:\/\/\/F:\/Administrative\/Blog%20Entries%20&amp;%20Articles\/Blog%20-%20Mock%20v.%20Allstate.docx#_ftn6\">[6]<\/a><\/p>\n\n\n\n<p>Upon finding\u00a0Hecla\u00a0does not apply here, the district court defined \u201csudden,\u201d according to its plain meaning, which, according to the Merriam-Webster dictionary, implicates something that happens abruptly or hastily. Thus, the court rejected the Mocks\u2019 attempt to construe \u201csudden\u201d as \u201cgradual or continuous\u201d to fit the fact pattern of a slowly deteriorating EIFS stucco system.<a href=\"file:\/\/\/F:\/Administrative\/Blog%20Entries%20&amp;%20Articles\/Blog%20-%20Mock%20v.%20Allstate.docx#_ftn7\">[7]<\/a><\/p>\n\n\n\n<p>Second, the Mocks argued that a factual dispute existed with respect to whether the EIFS system suffered a design flaw or a construction flaw. The district court summarily dismissed this argument, relying on the experts\u2019 reports, which consistently opined that the EIFS system was damaged as a result of long-term water intrusion, not a \u201csudden\u201d incident.<a href=\"file:\/\/\/F:\/Administrative\/Blog%20Entries%20&amp;%20Articles\/Blog%20-%20Mock%20v.%20Allstate.docx#_ftn8\">[8]<\/a><\/p>\n\n\n\n<p><strong><em>The Appeal: When EIFS means Faulty<\/em><\/strong><\/p>\n\n\n\n<p>On appeal, the Tenth Circuit Court of Appeals did not address the district court\u2019s analysis surrounding coverage for \u201csudden and accidental\u201d loss. Instead, the Court of Appeals affirmed summary judgment based on the faulty construction or design exclusion.<a href=\"file:\/\/\/F:\/Administrative\/Blog%20Entries%20&amp;%20Articles\/Blog%20-%20Mock%20v.%20Allstate.docx#_ftn9\">[9]<\/a><\/p>\n\n\n\n<p>The Tenth Circuit\u2019s opinion, therefore, focused on the experts\u2019 opinions that the damage to the Mocks\u2019 home flowed from inherent flaws with EIFS stucco systems. The issue with respect to whether EIFS systems met building codes at the time of construction in the 90s is a legal issue\u2014the court said\u2014and thus not a material dispute of fact to be analyzed on summary judgment.<\/p>\n\n\n\n<p>The Tenth Circuit concluded that \u201c[t]he undisputed facts show that the manufacturer\u2019s design of the EIFS system caused water infiltration and damage.\u201d<a href=\"file:\/\/\/F:\/Administrative\/Blog%20Entries%20&amp;%20Articles\/Blog%20-%20Mock%20v.%20Allstate.docx#_ftn10\">[10]<\/a><\/p>\n\n\n\n<p><strong><em>Conclusion<\/em><\/strong><\/p>\n\n\n\n<p>When considering installing EIFS systems, construction professionals should beware\u2014not just of EIFS exclusions in their insurance policies\u2014but also of potentially ambiguous language in those policies that courts will construe as excluding EIFS-related damage.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><a href=\"file:\/\/\/F:\/Administrative\/Blog%20Entries%20&amp;%20Articles\/Blog%20-%20Mock%20v.%20Allstate.docx#_ftnref1\">[1]<\/a><a href=\"https:\/\/www.eima.com\/eifs\/benefits\">https:\/\/www.eima.com\/eifs\/benefits<\/a>.<\/p>\n\n\n\n<p><a href=\"file:\/\/\/F:\/Administrative\/Blog%20Entries%20&amp;%20Articles\/Blog%20-%20Mock%20v.%20Allstate.docx#_ftnref2\">[2]<\/a><em>See<\/em>\u00a0Mock v. Allstate Ins. Co., 340 F. Supp. 3d 1087 (D. Colo. 2018).<\/p>\n\n\n\n<p><a href=\"file:\/\/\/F:\/Administrative\/Blog%20Entries%20&amp;%20Articles\/Blog%20-%20Mock%20v.%20Allstate.docx#_ftnref3\">[3]<\/a>\u00a0Id.\u00a0at 1090.<\/p>\n\n\n\n<p><a href=\"file:\/\/\/F:\/Administrative\/Blog%20Entries%20&amp;%20Articles\/Blog%20-%20Mock%20v.%20Allstate.docx#_ftnref4\">[4]<\/a>\u00a0Id.<\/p>\n\n\n\n<p><a href=\"file:\/\/\/F:\/Administrative\/Blog%20Entries%20&amp;%20Articles\/Blog%20-%20Mock%20v.%20Allstate.docx#_ftnref5\">[5]<\/a>\u00a0Id.<\/p>\n\n\n\n<p><a href=\"file:\/\/\/F:\/Administrative\/Blog%20Entries%20&amp;%20Articles\/Blog%20-%20Mock%20v.%20Allstate.docx#_ftnref6\">[6]<\/a><em>See<\/em>\u00a0Martinez v. Am. Fam. Mut. Ins. Co., 413 P.3d 201, 203 (Colo. App. 2017).<\/p>\n\n\n\n<p><a href=\"file:\/\/\/F:\/Administrative\/Blog%20Entries%20&amp;%20Articles\/Blog%20-%20Mock%20v.%20Allstate.docx#_ftnref7\">[7]<\/a>\u00a0Mock, 340 F. Supp. 3d at 1090-91.<\/p>\n\n\n\n<p><a href=\"file:\/\/\/F:\/Administrative\/Blog%20Entries%20&amp;%20Articles\/Blog%20-%20Mock%20v.%20Allstate.docx#_ftnref8\">[8]<\/a>\u00a0Id.<\/p>\n\n\n\n<p><a href=\"file:\/\/\/F:\/Administrative\/Blog%20Entries%20&amp;%20Articles\/Blog%20-%20Mock%20v.%20Allstate.docx#_ftnref9\">[9]<\/a>\u00a0Mock v. Allstate Ins. Co., No. 18-1407, 2020 U.S. App. LEXIS 642 (10th Cir. Jan. 9, 2020).<\/p>\n\n\n\n<p><a href=\"file:\/\/\/F:\/Administrative\/Blog%20Entries%20&amp;%20Articles\/Blog%20-%20Mock%20v.%20Allstate.docx#_ftnref10\">[10]<\/a>\u00a0Id.\u00a0at *8.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ben Volpe | Higgins, Hopkins, McLain &amp; Roswell EIFS, or\u00a0Exterior Insulation and Finish System, is an integrated exterior insulation and synthetic stucco system, praised for its energy efficiency.[1]\u00a0However, EIFS has come to be well known in the construction defect world as placing homes at risk due to a lack of a built-in moisture management system.&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/eifs-insurance-coverage-exclusions\/\">Continue reading <span class=\"screen-reader-text\">Interpreting Insurance Coverage and Exclusions: When Sudden means Sudden and EIFS means Faulty<\/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":[14,9914],"tags":[9895,10321,23],"class_list":["post-897629","post","type-post","status-publish","format-standard","hentry","category-construction-2","category-insurance-coverage","tag-advise-consult","tag-eifs","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>Interpreting Insurance Coverage and Exclusions: When Sudden means Sudden and EIFS means Faulty - Advise &amp; 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