{"id":903212,"date":"2024-08-28T15:52:33","date_gmt":"2024-08-28T21:52:33","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=903212"},"modified":"2024-08-28T15:52:35","modified_gmt":"2024-08-28T21:52:35","slug":"cgl-insurance-policy-timing-considerations-notice-of-construction-defect-claim","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/cgl-insurance-policy-timing-considerations-notice-of-construction-defect-claim\/","title":{"rendered":"Which Policy Covers That? Timing Considerations When Placing CGL Carriers On Notice Of A Construction Defect Claim"},"content":{"rendered":"\n<p>E. Samuel Crecelius III | <a href=\"https:\/\/www.cokinoslaw.com\/which-policy-covers-that-timing-considerations-when-placing-cgl-carriers-on-notice-of-a-construction-defect-claim\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Cokinos<\/a><\/p>\n\n\n\n<p>For a construction contractor, receiving <a href=\"https:\/\/www.myconstructionexpert.com\/blog\/importance-timely-proper-notice-claim-contract\/\">notice of a claim<\/a> for damages associated with the contractor\u2019s work can be a daunting prospect. Particularly if the contractor\u2019s first notice of the claim is a lawsuit naming the contractor as a defendant. Fortunately, most contractors do (and all contractors\u00a0<strong><em>should<\/em><\/strong>) maintain commercial general liability (CGL) insurance to cover claims for damages or injuries related to the contractor\u2019s work. CGL insurance (typically) covers allegations of damage because of defective work, defending the insured against potentially covered claims and settling covered claims. Of course, many factors can affect this basic coverage analysis. For example\u2014what happens when bodily injury or property damage occurs\u00a0<strong><em>after\u00a0<\/em><\/strong>the policy in place while the contractor did its work expires?<\/p>\n\n\n\n<p>Many contractors maintain CGL insurance on an ongoing basis, renewing or replacing each policy as it expires with a new policy. Over time, a contractor may have had multiple different CGL polices in place, through multiple different insurance companies. When faced with a claim involving allegations of defective work or other liability, contractors often notify only the CGL policy in force as of the date of the alleged wrongful act. Often, especially if the claim arises while the work is still ongoing, this common-sense approach is enough. The insurance carrier acknowledges the claim, appoints defense counsel, and tries to settle the claim against the insured contractor. But sometimes\u2014to many contractors\u2019 surprise\u2014the CGL carrier instead denies coverage for the claim.<\/p>\n\n\n\n<p>Counter-intuitively, the CGL insurance policy in place when a contractor does its work is not necessarily the policy that covers bodily injury or property damage because of that work. This is because one of the conditions of coverage under a typical CGL policy is that \u201c[t]he \u2018bodily injury\u2019 or \u2018property damage\u2019 occurs during the policy period \u2026.\u201d What that means is that property damage or bodily injury is normally covered by the CGL policy in effect when the damage or injury occurs, not the policy in effect when the underlying work was performed.<\/p>\n\n\n\n<p>By way of example, suppose an insured contractor worked on a construction project in 2018. A lawsuit against the contractor alleges property damage resulting from the contractor\u2019s work occurred in 2021. The contractor\u2019s 2021 CGL policy may cover the claims against the contractor, rather than the 2018 policy. In cases of ongoing damage or injury, or where no date is specified, coverage might be available under multiple policy years.<\/p>\n\n\n\n<p>The insurance policy in force when a contractor\u2019s work was performed is not the only policy that contractor should consider when seeking coverage. Instead, contractors should consider whether coverage may be available under another CGL policy.<\/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\">experts@adviseandconsult.net<\/a>.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>E. Samuel Crecelius III | Cokinos For a construction contractor, receiving notice of a claim for damages associated with the contractor\u2019s work can be a daunting prospect. Particularly if the contractor\u2019s first notice of the claim is a lawsuit naming the contractor as a defendant. Fortunately, most contractors do (and all contractors\u00a0should) maintain commercial general&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/cgl-insurance-policy-timing-considerations-notice-of-construction-defect-claim\/\">Continue reading <span class=\"screen-reader-text\">Which Policy Covers That? Timing Considerations When Placing CGL Carriers On Notice Of A Construction Defect Claim<\/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":[10791,11015,30],"tags":[9895,270,19,23,56],"class_list":["post-903212","post","type-post","status-publish","format-standard","hentry","category-commercial-general-liability-policy","category-construction-claims","category-general-liability-policy","tag-advise-consult","tag-cgl-insurance-policy","tag-construction-defects-2","tag-insurance-coverage","tag-property-damage","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>Which Policy Covers That? 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