{"id":903368,"date":"2024-10-01T16:48:07","date_gmt":"2024-10-01T22:48:07","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=903368"},"modified":"2024-10-01T16:48:10","modified_gmt":"2024-10-01T22:48:10","slug":"direct-physical-loss-of-or-damage-all-risk-property-insurance-policy","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/direct-physical-loss-of-or-damage-all-risk-property-insurance-policy\/","title":{"rendered":"Court Says Loose Bolt Remedied by Tightening Does not Constitute \u201cDirect Physical Loss of or Damage\u201d to Property"},"content":{"rendered":"\n<p>Joshua Tumen | <a href=\"https:\/\/www.propertyinsurancelawobserver.com\/2024\/09\/23\/court-says-loose-bolt-remedied-by-tightening-does-not-constitute-direct-physical-loss-of-or-damage-to-property\/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=court-says-loose-bolt-remedied-by-tightening-does-not-constitute-direct-physical-loss-of-or-damage-to-property#page=1\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Property Insurance Law Observer<\/a><\/p>\n\n\n\n<p>In&nbsp;<em>AMAG Pharmaceuticals, Inc. v. American Guarantee and Liability Insurance Company<\/em>, the United States District Court for the District of Massachusetts held that a loose bolt or fitting that could be remedied simply by tightening it did not constitute \u201cdirect physical loss of or damage\u201d to equipment covered under an all-risk property insurance policy.<a href=\"https:\/\/www.propertyinsurancelawobserver.com\/2024\/09\/23\/court-says-loose-bolt-remedied-by-tightening-does-not-constitute-direct-physical-loss-of-or-damage-to-property\/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=court-says-loose-bolt-remedied-by-tightening-does-not-constitute-direct-physical-loss-of-or-damage-to-property#_ftn1\">[1]<\/a><\/p>\n\n\n\n<p>Background<\/p>\n\n\n\n<p>The insured, a pharmaceutical company that owned the rights to a particular drug, contracted with a third-party supplier to manufacture the drug at their facility.&nbsp; The drug was manufactured in a room with environmental conditions designed to maintain product sterility.&nbsp; The company used particular equipment to produce a \u201claminar airflow,\u201d meaning that filtered air was blown down from the ceiling and flowed consistently from top to bottom over the equipment.&nbsp; The filtered air was then captured by an air vent in the floor\u2014it was not recirculated in the room.&nbsp; One day, environmental monitoring alarms activated indicating that non-viable particles had been detected in the room.&nbsp; It was later determined that there was a leak from a compressed air line.<\/p>\n\n\n\n<p>The Claim<\/p>\n\n\n\n<p>The insured purchased an all-risk insurance policy, providing coverage for property damage, business interruption, and contingent business interruption, among other covered causes and types of loss at the manufacturing facility.&nbsp; Per the insuring agreement, the policy \u201cinsure[d] against direct physical loss of or damage caused by a Covered Cause of Loss to Covered Property.\u201d&nbsp; The policy defined \u201cCovered Cause of Loss\u201d as \u201c[a]ll risks of direct physical loss of or damage from any cause unless excluded.\u201d<\/p>\n\n\n\n<p>The insured submitted a claim under the policy contending that the equipment sustained physical damage through a broken air line.&nbsp; The insurer denied the claim based on its position that the property did not sustain physical loss or damage, as required to trigger coverage.&nbsp; Following the insurer\u2019s denial, the insured commenced litigation.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><a href=\"https:\/\/www.propertyinsurancelawobserver.com\/wp-content\/uploads\/sites\/11\/2024\/09\/shutterstock_2493520117-2-scaled.jpg\"><img decoding=\"async\" src=\"https:\/\/www.propertyinsurancelawobserver.com\/wp-content\/uploads\/sites\/11\/2024\/09\/shutterstock_2493520117-2-1024x1024.jpg\" alt=\"\" class=\"wp-image-2434\"\/><\/a><\/figure>\n\n\n\n<p>Analysis<\/p>\n\n\n\n<p>The Court agreed with the insurer\u2019s argument that the insured\u2019s losses were not covered because they were not caused by any \u201cdirect physical loss of or damage\u201d to covered property.&nbsp; Specifically, the air leak resolved once a loose bolt was tightened. The Court explained that the policy required \u201csome distinct, demonstrable, physical&nbsp;<strong><em>alteration<\/em><\/strong>&nbsp;of the property\u201d and, in this case, the subject property was not altered by the loosened bolt.&nbsp; Rather, \u201ca bolt is designed in function to be loosened and tightened.\u201d&nbsp; Again, no action beyond the tightening of the bolt was necessary to remediate the air leak.&nbsp; There was no damage to the bolt, the quick-connect fitting, or the air line, nor were any of those parts replaced.&nbsp; Simply put, the Court stated that \u201c[a] loose bolt does not constitute \u2018direct physical loss of or damage to\u2019 property.\u201d<\/p>\n\n\n\n<p>Conclusion<\/p>\n\n\n\n<p>The threshold issue in determining coverage under an all-risk property policy requires demonstration of direct physical loss of or damage to insured property.&nbsp;&nbsp;<em>AMAG Pharmaceuticals, Inc.<\/em>&nbsp;serves as a reminder that \u201call risk\u201d does not equate to coverage for \u201call losses.\u201d&nbsp; Nonetheless, parties should be mindful of the divergent case law on this issue across the United States, especially in circumstances where policies lack relevant definitions.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><a href=\"https:\/\/www.propertyinsurancelawobserver.com\/2024\/09\/23\/court-says-loose-bolt-remedied-by-tightening-does-not-constitute-direct-physical-loss-of-or-damage-to-property\/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=court-says-loose-bolt-remedied-by-tightening-does-not-constitute-direct-physical-loss-of-or-damage-to-property#_ftnref1\">[1]<\/a>\u00a0This article only focuses on a limited portion of the decision in\u00a0<em>AMAG Pharmaceuticals, Inc.<\/em>\u00a0which also addressed other coverage issues.<\/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>Joshua Tumen | Property Insurance Law Observer In&nbsp;AMAG Pharmaceuticals, Inc. v. American Guarantee and Liability Insurance Company, the United States District Court for the District of Massachusetts held that a loose bolt or fitting that could be remedied simply by tightening it did not constitute \u201cdirect physical loss of or damage\u201d to equipment covered under&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/direct-physical-loss-of-or-damage-all-risk-property-insurance-policy\/\">Continue reading <span class=\"screen-reader-text\">Court Says Loose Bolt Remedied by Tightening Does not Constitute \u201cDirect Physical Loss of or Damage\u201d to Property<\/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":[9895,11055,22],"class_list":["post-903368","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-advise-consult","tag-all-risk-policy","tag-insurance","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>Court Says Loose Bolt Remedied by Tightening Does not Constitute \u201cDirect Physical Loss of or Damage\u201d to Property - Advise &amp; 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