{"id":901171,"date":"2023-05-16T15:44:59","date_gmt":"2023-05-16T21:44:59","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=901171"},"modified":"2023-05-16T15:45:06","modified_gmt":"2023-05-16T21:45:06","slug":"implied-waiver-doctrine-insurance-coverage","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/implied-waiver-doctrine-insurance-coverage\/","title":{"rendered":"11th Cir. Affirms That Georgia\u2019s Implied Waiver Doctrine Cannot Be Used to Create Coverage"},"content":{"rendered":"\n<p>Roben West | <a href=\"https:\/\/propertycasualtyfocus.com\/11th-cir-affirms-that-georgias-implied-waiver-doctrine-cannot-be-used-to-create-coverage\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">PropertyCasualtyFocus<\/a><\/p>\n\n\n\n<p>In\u00a0<a href=\"https:\/\/cases.justia.com\/federal\/appellate-courts\/ca11\/19-14697\/19-14697-2023-02-27.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><em>Century Communities of Georgia LLC v. Selective Way Insurance Co.<\/em><\/a>, the Eleventh Circuit Court of Appeals affirmed that the Georgia Supreme Court\u2019s 2012 opinion in\u00a0<em>Hoover v. Maxum Indemnity Co.<\/em>\u00a0does not apply to \u201ccoverage defenses\u201d \u2014 that is, whether a loss is potentially covered under a policy in the first place. Rather, under\u00a0<em>Hoover<\/em>, only certain \u201cpolicy defenses,\u201d meaning whether a procedural condition of the insurance contract has been fulfilled,\u00a0<em>may<\/em>\u00a0be subject to waiver.<\/p>\n\n\n\n<p><em>Century Communities<\/em>&nbsp;involved a coverage dispute arising out of the insurer\u2019s refusal to defend an additional insured in an underlying tort action stemming from property damage from pollutants at one of its housing developments. Specifically, the insurer denied coverage because the alleged property damage was not clearly due to the work of the named insured and because the underlying action included allegations against all defendants. The instant coverage action followed, wherein the insurer raised several additional coverage defenses in its answer \u2014 including the pollution exclusion. The insured argued that the insurer waived the right to rely on the pollution exclusion because it was not raised in the initial disclaimer to the insured. The district court disagreed and granted summary judgment in favor of the insurer. The insured appealed.<\/p>\n\n\n\n<p>In affirming the district court\u2019s ruling, the Eleventh Circuit found that the insurer had not waived its coverage defense, even though it had neglected to mention it in its original letter denying coverage. The court turned to&nbsp;<em>Hoover&nbsp;<\/em>and noted that the Eleventh Circuit previously found that there was no indication that the Georgia Supreme Court intended to upend the long-standing rule that an insurer cannot waive coverage defenses. Because the pollution exclusion enables the carrier to argue that a particular loss is not covered, it is a coverage defense. As a result, the Eleventh Circuit found that the insurer had not waived its ability to assert it.<\/p>\n\n\n\n<p>The Eleventh Circuit noted that its previous rulings regarding\u00a0<em>Hoover\u00a0<\/em>were issued after the district court\u2019s ruling, and as such, the Eleventh Circuit did not reach its result in the same manner as the district court, which had held that the insurer had not waived a coverage defense because waiver is not automatic but rather dependent on the circumstances.<\/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\u00a0Century Communities of Georgia LLC v. Selective Way Insurance Co., the Eleventh Circuit Court of Appeals affirmed that the Georgia Supreme Court\u2019s 2012 opinion in\u00a0Hoover v. Maxum Indemnity Co.\u00a0does not apply to \u201ccoverage defenses\u201d \u2014 that is, whether a loss is potentially covered under a policy in the first place. Rather,&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/implied-waiver-doctrine-insurance-coverage\/\">Continue reading <span class=\"screen-reader-text\">11th Cir. Affirms That Georgia\u2019s Implied Waiver Doctrine Cannot Be Used to Create Coverage<\/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":[9895,420,11889,23],"class_list":["post-901171","post","type-post","status-publish","format-standard","hentry","category-insurance-coverage","tag-advise-consult","tag-georgia","tag-implied-waiver-doctrine","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>11th Cir. Affirms That Georgia\u2019s Implied Waiver Doctrine Cannot Be Used to Create Coverage - Advise &amp; Consult, Inc.<\/title>\n<meta name=\"description\" content=\"only certain \u201cpolicy defenses,\u201d meaning whether a procedural condition of insurance contract has been fulfilled, may be subject to waiver\" \/>\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\/implied-waiver-doctrine-insurance-coverage\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"11th Cir. Affirms That Georgia\u2019s Implied Waiver Doctrine Cannot Be Used to Create Coverage - Advise &amp; Consult, Inc.\" \/>\n<meta property=\"og:description\" content=\"only certain \u201cpolicy defenses,\u201d meaning whether a procedural condition of insurance contract has been fulfilled, may be subject to waiver\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.myconstructionexpert.com\/blog\/implied-waiver-doctrine-insurance-coverage\/\" \/>\n<meta property=\"og:site_name\" content=\"Advise &amp; Consult, Inc.\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Advise-Consult-Inc-126949043996790\/\" \/>\n<meta property=\"article:published_time\" content=\"2023-05-16T21:44:59+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-05-16T21:45:06+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=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/implied-waiver-doctrine-insurance-coverage\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/implied-waiver-doctrine-insurance-coverage\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/0a11abe008083d5fb19c2b0feefe7bd7\"},\"headline\":\"11th Cir. Affirms That Georgia\u2019s Implied Waiver Doctrine Cannot Be Used to Create Coverage\",\"datePublished\":\"2023-05-16T21:44:59+00:00\",\"dateModified\":\"2023-05-16T21:45:06+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/implied-waiver-doctrine-insurance-coverage\/\"},\"wordCount\":431,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#organization\"},\"keywords\":[\"Advise &amp; Consult\",\"Georgia\",\"Implied Waiver Doctrine\",\"insurance coverage\"],\"articleSection\":[\"Insurance Coverage\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.myconstructionexpert.com\/blog\/implied-waiver-doctrine-insurance-coverage\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/implied-waiver-doctrine-insurance-coverage\/\",\"url\":\"https:\/\/www.myconstructionexpert.com\/blog\/implied-waiver-doctrine-insurance-coverage\/\",\"name\":\"11th Cir. Affirms That Georgia\u2019s Implied Waiver Doctrine Cannot Be Used to Create Coverage - Advise &amp; Consult, Inc.\",\"isPartOf\":{\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#website\"},\"datePublished\":\"2023-05-16T21:44:59+00:00\",\"dateModified\":\"2023-05-16T21:45:06+00:00\",\"description\":\"only certain \u201cpolicy defenses,\u201d meaning whether a procedural condition of insurance contract has been fulfilled, may be subject to waiver\",\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.myconstructionexpert.com\/blog\/implied-waiver-doctrine-insurance-coverage\/\"]}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.myconstructionexpert.com\/blog\/#website\",\"url\":\"https:\/\/www.myconstructionexpert.com\/blog\/\",\"name\":\"Advise &amp; 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":"11th Cir. Affirms That Georgia\u2019s Implied Waiver Doctrine Cannot Be Used to Create Coverage - Advise &amp; Consult, Inc.","description":"only certain \u201cpolicy defenses,\u201d meaning whether a procedural condition of insurance contract has been fulfilled, may be subject to waiver","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\/implied-waiver-doctrine-insurance-coverage\/","og_locale":"en_US","og_type":"article","og_title":"11th Cir. Affirms That Georgia\u2019s Implied Waiver Doctrine Cannot Be Used to Create Coverage - Advise &amp; Consult, Inc.","og_description":"only certain \u201cpolicy defenses,\u201d meaning whether a procedural condition of insurance contract has been fulfilled, may be subject to waiver","og_url":"https:\/\/www.myconstructionexpert.com\/blog\/implied-waiver-doctrine-insurance-coverage\/","og_site_name":"Advise &amp; Consult, Inc.","article_publisher":"https:\/\/www.facebook.com\/Advise-Consult-Inc-126949043996790\/","article_published_time":"2023-05-16T21:44:59+00:00","article_modified_time":"2023-05-16T21:45:06+00:00","author":"admin","twitter_card":"summary_large_image","twitter_creator":"@adviseconsult","twitter_site":"@adviseconsult","twitter_misc":{"Written by":"admin","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.myconstructionexpert.com\/blog\/implied-waiver-doctrine-insurance-coverage\/#article","isPartOf":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/implied-waiver-doctrine-insurance-coverage\/"},"author":{"name":"admin","@id":"https:\/\/www.myconstructionexpert.com\/blog\/#\/schema\/person\/0a11abe008083d5fb19c2b0feefe7bd7"},"headline":"11th Cir. Affirms That Georgia\u2019s Implied Waiver Doctrine Cannot Be Used to Create Coverage","datePublished":"2023-05-16T21:44:59+00:00","dateModified":"2023-05-16T21:45:06+00:00","mainEntityOfPage":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/implied-waiver-doctrine-insurance-coverage\/"},"wordCount":431,"commentCount":0,"publisher":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/#organization"},"keywords":["Advise &amp; Consult","Georgia","Implied Waiver Doctrine","insurance coverage"],"articleSection":["Insurance Coverage"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.myconstructionexpert.com\/blog\/implied-waiver-doctrine-insurance-coverage\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.myconstructionexpert.com\/blog\/implied-waiver-doctrine-insurance-coverage\/","url":"https:\/\/www.myconstructionexpert.com\/blog\/implied-waiver-doctrine-insurance-coverage\/","name":"11th Cir. Affirms That Georgia\u2019s Implied Waiver Doctrine Cannot Be Used to Create Coverage - Advise &amp; Consult, Inc.","isPartOf":{"@id":"https:\/\/www.myconstructionexpert.com\/blog\/#website"},"datePublished":"2023-05-16T21:44:59+00:00","dateModified":"2023-05-16T21:45:06+00:00","description":"only certain \u201cpolicy defenses,\u201d meaning whether a procedural condition of insurance contract has been fulfilled, may be subject to waiver","inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.myconstructionexpert.com\/blog\/implied-waiver-doctrine-insurance-coverage\/"]}]},{"@type":"WebSite","@id":"https:\/\/www.myconstructionexpert.com\/blog\/#website","url":"https:\/\/www.myconstructionexpert.com\/blog\/","name":"Advise &amp; 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\/p2ztG6-3Mr1","jetpack_likes_enabled":true,"_links":{"self":[{"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/posts\/901171","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=901171"}],"version-history":[{"count":1,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/posts\/901171\/revisions"}],"predecessor-version":[{"id":901172,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/posts\/901171\/revisions\/901172"}],"wp:attachment":[{"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/media?parent=901171"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/categories?post=901171"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.myconstructionexpert.com\/blog\/wp-json\/wp\/v2\/tags?post=901171"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}