{"id":899790,"date":"2022-04-06T11:34:10","date_gmt":"2022-04-06T17:34:10","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=899790"},"modified":"2022-04-06T11:34:12","modified_gmt":"2022-04-06T17:34:12","slug":"endorsement-insurance-policy-controls","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/endorsement-insurance-policy-controls\/","title":{"rendered":"Endorsement to Insurance Policy Controls"},"content":{"rendered":"\n<p>David Adelstein | <a href=\"https:\/\/www.floridaconstructionlegalupdates.com\/endorsement-to-insurance-policy-controls\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Florida Construction Legal Updates<\/a><\/p>\n\n\n\n<p>I\u2019ve said this before, and I\u2019ll say it again: an\u00a0<strong><a href=\"https:\/\/www.myconstructionexpert.com\/blog\/ambiguous-insurance-policy\/\" target=\"_blank\" rel=\"noreferrer noopener\">insurance policy<\/a><\/strong>\u00a0is a complicated reading and this reading gets compounded with\u00a0<strong><u><a href=\"https:\/\/www.myconstructionexpert.com\/blog\/liability-coverage-tricky-insurance-endorsements\/\" target=\"_blank\" rel=\"noreferrer noopener\">endorsements<\/a><\/u><\/strong>\u00a0that modify aspects of the policy.<\/p>\n\n\n\n<p>What you think may be covered may in fact not be covered by virtue of an endorsement to the insurance policy.&nbsp; This is why when you request an insurance policy you want to see the policy PLUS all endorsements to the policy. &nbsp;And when you analyze a policy, you need to do so with a full reading of the endorsements.<\/p>\n\n\n\n<p><strong>An endorsement to an insurance policy will control over conflicting language in the policy<\/strong>.&nbsp;&nbsp;<em>Geovera Speciality Ins. Co. v. Glasser<\/em>, 47 Fla.L.Weekly D436a (Fla. 4<sup>th<\/sup>&nbsp;DCA 2022) (citation omitted).<\/p>\n\n\n\n<p>The homeowner\u2019s insurance coverage dispute in&nbsp;<em>Glasser<\/em>&nbsp;illustrates this point.&nbsp; Here, the policy had a water loss exclusion.&nbsp; There was an exception to the exclusion for an accidental discharge or overflow of water from a plumbing system on the premises.&nbsp;&nbsp; But there was an endorsement.&nbsp; The endorsement modified the water loss exclusion to clarify that the policy excluded water damage \u201cin any form, including but not limited to\u2026.\u201d &nbsp;Examples were then given which did not include the accidental discharge or overflow of water from a plumbing system.<\/p>\n\n\n\n<p>The homeowner filed an insurance coverage dispute against the property insurance carrier for a water damage claim. Specifically, a pipe in a bathroom burst causing water damage.&nbsp; The insured claimed this was covered because of the accidental discharge or overflow of water from a plumbing system exception.&nbsp;&nbsp; The trial court agreed.&nbsp; The appellate court did not.&nbsp; Why?<\/p>\n\n\n\n<p>The answer is simple. The endorsement. &nbsp;\u201c<strong>The insurer\u2019s endorsement language\u2026expressly excludes damages caused by water i<u>n any form<\/u>, including plumbing system accidents.&nbsp;<u>Although the policy\u2019s \u2018Exception [t]o c.(6)\u2019 expressly covers accidental discharges of water from a plumbing system, it is superseded by the endorsement which excludes water loss in any form<\/u><\/strong>.\u201d&nbsp;&nbsp;<em>Glasser, supra<\/em>.<\/p>\n\n\n\n<p>The insured argued, as it should, that the endorsement did not explicitly identify that water damage included accidental discharges of water from a plumbing system indicating that such was covered under the policy.\u00a0 While true, the appellate court disagreed with this sentiment.\u00a0 \u201c\u2018<strong>[T]he mere fact that a provision in an insurance policy could be more clearly drafted does not necessarily mean that the provision is otherwise inconsistent, uncertain or ambiguous.\u2019\u00a0 While this policy may require the reading of multiple policy provisions, it is unambiguous and simply does not cover the water loss suffered by the insured.<\/strong>\u201d\u00a0\u00a0<em>Glasser, supra<\/em>\u00a0(internal citation omitted).<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>When one of your cases is in need of a construction expert, estimates, insurance appraisal or umpire services in defect or insurance disputes &#8211; please call Advise &amp; Consult, Inc. at 888.684.8305, or email <a href=\"mailto:experts@adviseandconsult.net\" target=\"_blank\" rel=\"noreferrer noopener\">experts@adviseandconsult.net<\/a>.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>David Adelstein | Florida Construction Legal Updates I\u2019ve said this before, and I\u2019ll say it again: an\u00a0insurance policy\u00a0is a complicated reading and this reading gets compounded with\u00a0endorsements\u00a0that modify aspects of the policy. What you think may be covered may in fact not be covered by virtue of an endorsement to the insurance policy.&nbsp; This is&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/endorsement-insurance-policy-controls\/\">Continue reading <span class=\"screen-reader-text\">Endorsement to Insurance Policy Controls<\/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":[10721],"tags":[9895,6198,11660],"class_list":["post-899790","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-advise-consult","tag-insurance-policy","tag-insurance-policy-endorsements","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>Endorsement to Insurance Policy Controls - Advise &amp; 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