{"id":901518,"date":"2023-08-21T13:47:30","date_gmt":"2023-08-21T19:47:30","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=901518"},"modified":"2023-08-21T13:47:36","modified_gmt":"2023-08-21T19:47:36","slug":"covered-loss-quiet-title-action","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/covered-loss-quiet-title-action\/","title":{"rendered":"Quiet Title Action Does Not Involve Covered &#8220;Loss&#8221;"},"content":{"rendered":"\n<p>Nathan B. Lovett | <a href=\"https:\/\/www.mondaq.com\/unitedstates\/insurance-laws-and-products\/1345184\/quiet-title-action-does-not-involve-covered-loss?email_access=on\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Wiley Rein<\/a><\/p>\n\n\n\n<p>The United States District Court for the Eastern District of California, applying California law, has held that a professional liability insurer had no duty to defend its insured in an underlying lawsuit because the suit did not seek &#8220;<a href=\"https:\/\/www.myconstructionexpert.com\/blog\/large-property-loss-preparing-responding-for\/\" target=\"_blank\" rel=\"noreferrer noopener\">Loss<\/a>&#8221; as defined in the policy.\u00a0<a href=\"https:\/\/www.executivesummaryblog.com\/assets\/htmldocuments\/Dollar-Point-public.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><em>Dollar Point Ass&#8217;n, Inc. v. United States Liab. Ins. Co.<\/em>, 2023 WL 3570037 (E.D. Cal., May 18, 2023)<\/a>.<\/p>\n\n\n\n<p>In 2018, a couple sued the insured homeowners&#8217; association. The lawsuit concerned a parcel of land that the couple had allegedly maintained for several years. In their suit, the couple sought a declaratory judgment for an irrevocable license to continue to use the land, or in the alternative, full property rights to the land. The homeowners&#8217; association tendered the suit to its professional liability insurer. After initially acknowledging a duty to defend, the insurer disclaimed coverage.<\/p>\n\n\n\n<p>In the ensuing coverage action, the court focused on whether the underlying suit sought &#8220;Loss.&#8221; It stated that, based on a plain reading of the policy, the duty to defend only applied to an action seeking &#8220;Loss,&#8221; which the policy defined to include &#8220;damages, settlements, front pay and back pay, pre-judgment and post judgment interest &#8230; and punitive or exemplary damages[.]&#8221;<\/p>\n\n\n\n<p>In ruling for the insurer, the court emphasized that the underlying suit sought only equitable remedies,\u00a0<em>i.e.<\/em>, quiet title or an equitable irrevocable license. The court ruled that because the suit did not seek &#8220;Loss,&#8221; no potential for coverage existed and the insurer was &#8220;under no obligation to provide [the insured] with [a] defense.&#8221; The court found this issue to be fully dispositive as to coverage and granted summary judgment in favor of the insurer.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\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>Nathan B. Lovett | Wiley Rein The United States District Court for the Eastern District of California, applying California law, has held that a professional liability insurer had no duty to defend its insured in an underlying lawsuit because the suit did not seek &#8220;Loss&#8221; as defined in the policy.\u00a0Dollar Point Ass&#8217;n, Inc. v. United&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/covered-loss-quiet-title-action\/\">Continue reading <span class=\"screen-reader-text\">Quiet Title Action Does Not Involve Covered &#8220;Loss&#8221;<\/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":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[10,10721,9914],"tags":[9895,11937,57,5499],"class_list":["post-901518","post","type-post","status-publish","format-standard","hentry","category-duty-to-defend","category-insurance","category-insurance-coverage","tag-advise-consult","tag-covered-loss","tag-duty-to-defend-2","tag-professional-liability-policies","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>Quiet Title Action Does Not Involve Covered &quot;Loss&quot; 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