{"id":900577,"date":"2022-11-10T16:05:38","date_gmt":"2022-11-10T23:05:38","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=900577"},"modified":"2022-11-10T16:05:53","modified_gmt":"2022-11-10T23:05:53","slug":"correlating-claims-similar-to-related-claims","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/correlating-claims-similar-to-related-claims\/","title":{"rendered":"Eleventh Circuit Finds Claims-Made Policy\u2019s \u201cCorrelating Claims\u201d Provision Substantially Similar to \u201cRelated Claims\u201d Provisions"},"content":{"rendered":"\n<p>Roben West | <a href=\"https:\/\/propertycasualtyfocus.com\/eleventh-circuit-finds-claims-made-policys-correlating-claims-provision-substantially-similar-to-related-claims-provisions\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">PropertyCasualtyFocus<\/a><\/p>\n\n\n\n<p>In\u00a0<a href=\"https:\/\/media.ca11.uscourts.gov\/opinions\/unpub\/files\/202113451.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><em>Datamaxx Applied Technologies Inc. v. Brown &amp; Brown Inc.<\/em><\/a>, the Eleventh Circuit Court of Appeals affirmed the district court\u2019s grant of summary judgment to the insurer, finding no merit in the insured\u2019s argument that the analysis for construing a \u201c<a href=\"https:\/\/www.myconstructionexpert.com\/blog\/building-codes-premises-liability\/\" target=\"_blank\" rel=\"noreferrer noopener\">correlating claims<\/a>\u201d provision differed substantially from the analysis in construing a \u201crelated claims\u201d provision. In doing so, the Eleventh Circuit found that the insurer owed no duty to indemnify the insured for a claim that correlated with an earlier claim reported to a previous insurer and outside of the insurer\u2019s policy period.<\/p>\n\n\n\n<p>The underlying claim concerned a development and license agreement between the insured and a software provider to jointly develop, market, and sell an enhanced version of the insured\u2019s already existing product using a code invented by the software provider. The agreement provided for the enhanced product to be marketed under a new, shared name. But when the insured cut out the software provider altogether by incorporating and using the code for an enhanced product under its own name \u2014 and not the agreed-upon shared name \u2014 the software provider filed suit. The insured tendered the claim to its insurer at the time, and the parties settled, releasing the then-insurer from any future related claims.<\/p>\n\n\n\n<p>A few years later and unbeknownst to the software provider, the insured tried again, this time developing and marketing a different product that essentially mirrored the functionality of the initially infringing product while incorporating the software provider\u2019s code without involving the software provider, leading the software provider to file another suit. When the insured tendered the claim this time, it had a new insurer. The insurer denied coverage on the grounds that the new suit correlated with the previously settled claim, which was brought prior to its policy period.<\/p>\n\n\n\n<p>The claims-made policy stated that \u201call claims that correlate with an act will be deemed to have been made at the time the first of such claims is deemed to have been made\u201d and that coverage does not apply to loss \u201cin connection with any claim that correlates with an act, if such act also correlates with any claim deemed to have been made before the\u201d policy period. Neither party argued that the word \u201ccorrelate\u201d was ambiguous. Instead, the insured argued that the policy language was exclusionary and improperly conflated with a typical related claims provision. The Eleventh Circuit found that the language was not exclusionary and was instead a prerequisite to coverage. And while the Eleventh Circuit acknowledged that the policy language was not the exact same as a related claims provision, as \u201ccorrelates\u201d is narrower than \u201crelates,\u201d the analysis remained the same in that the terms must still be interpreted according to their plain language. As such, because the dictionary provides that correlation only required a showing that acts and claims \u201ctend to vary, be associated, or occur together in a way not expected on the basis of chance alone,\u201d the court found that the claims correlate to each other. The insurer therefore had no duty to indemnify the insured because the claim correlated with a claim first made prior to the insurer\u2019s policy period.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\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>Roben West | PropertyCasualtyFocus In\u00a0Datamaxx Applied Technologies Inc. v. Brown &amp; Brown Inc., the Eleventh Circuit Court of Appeals affirmed the district court\u2019s grant of summary judgment to the insurer, finding no merit in the insured\u2019s argument that the analysis for construing a \u201ccorrelating claims\u201d provision differed substantially from the analysis in construing a \u201crelated&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/correlating-claims-similar-to-related-claims\/\">Continue reading <span class=\"screen-reader-text\">Eleventh Circuit Finds Claims-Made Policy\u2019s \u201cCorrelating Claims\u201d Provision Substantially Similar to \u201cRelated Claims\u201d Provisions<\/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":[10885],"tags":[9895,9889,11796,10779],"class_list":["post-900577","post","type-post","status-publish","format-standard","hentry","category-property-insurance-claims","tag-advise-consult","tag-claims-made-insurance-coverage","tag-correlating-claims-provision","tag-related-claims-provision","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>Eleventh Circuit Finds Claims-Made Policy\u2019s \u201cCorrelating Claims\u201d Provision Substantially Similar to \u201cRelated Claims\u201d Provisions - Advise &amp; 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