{"id":904164,"date":"2025-04-01T16:21:08","date_gmt":"2025-04-01T22:21:08","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=904164"},"modified":"2025-04-01T16:21:10","modified_gmt":"2025-04-01T22:21:10","slug":"direct-physical-loss-or-damage-wildfire-what-constitutes","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/direct-physical-loss-or-damage-wildfire-what-constitutes\/","title":{"rendered":"California Courts Continue to Grapple with What Constitutes Wildfire \u201cDirect Physical Loss or Damage\u201d"},"content":{"rendered":"\n<p>Robyn Anderson, Nancy Sher Cohen and Michael Gonzales |  <a href=\"https:\/\/www.lathropgpm.com\/insights\/california-courts-continue-to-grapple-with-what-constitutes-wildfire-direct-physical-loss-or-damage\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Lathrom GPM<\/a><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Overview of Issues<\/h4>\n\n\n\n<p>In\u00a0<em>Gharibian et al., v. Wawanesa General Insurance Company<\/em>, the California Second District Court of Appeal found that, under California law, the insureds failed to prove smoke, soot, ash and fire debris on covered property constituted \u201c<a href=\"https:\/\/www.myconstructionexpert.com\/blog\/what-is-physical-loss\/\">direct physical loss to property<\/a>\u201d as required by the insureds\u2019 property policy.<\/p>\n\n\n\n<p>Although the ruling was a win for the insurer, the case may be limited by the particular policy provisions and facts at issue. California insureds should still closely review their policies for potential coverage after fire- and smoke-related damage.<\/p>\n\n\n\n<p>What constitutes \u201cdirect physical loss or damage\u201d under an insurance policy continues to be litigated. This is especially true after the Supreme Court of California decided&nbsp;<em>Another Planet Entertainment, LLC v. Vigilant Ins. Co.<\/em>&nbsp;<a href=\"https:\/\/www.lathropgpm.com\/insights\/california-courts-continue-to-grapple-with-what-constitutes-wildfire-direct-physical-loss-or-damage\/#_ftn1\">[1]<\/a>, which held that \u201c[u]nder California law, direct physical loss or damage to property requires distinct, demonstrable, physical alteration to property.\u201d&nbsp;<a href=\"https:\/\/www.lathropgpm.com\/insights\/california-courts-continue-to-grapple-with-what-constitutes-wildfire-direct-physical-loss-or-damage\/#_ftn2\">[2]<\/a>&nbsp;Post&nbsp;<em>Another Planet<\/em>&nbsp;decisions have reached differing results; however, most recently a California appellate court upheld an insurer\u2019s motion for summary judgment holding the insureds failed to provide evidence that the soot, ash or smoke on the insureds\u2019 property constituted \u201cdirect physical loss to plaintiffs\u2019 property\u201d and that \u201cwildfire debris did not \u2018alter the property itself\u2019 in a lasting and persistent matter.\u201d<\/p>\n\n\n\n<p>In&nbsp;<em>Gharibian,&nbsp;<\/em>insured homeowners sought coverage after the 2019 Saddle Ridge Fire covered their property in smoke, soot, ash and fire debris. Flames did not directly burn the insureds\u2019 property. They reported their claim to Wawanesa General Insurance Company (Wawanesa), and Wawanesa paid over $20,000 that the insureds did not accept. Ultimately, Wawanesa denied coverage, citing that there was \u201cno direct physical loss to property.\u201d Both the insureds and insurer relied on differing estimates provided by professional cleaning services and opposing experts at trial.<\/p>\n\n\n\n<p>The court affirmed the insurer\u2019s motion for summary judgment on the following basis: 1) \u201cThe wildfire debris did not \u2018alter the property itself in a lasting and persistent manner\u2019 . . . [r]ather all evidence indicates that the debris was \u2018easily cleaned or removed from the property&#8217;\u201d; 2) the insureds\u2019 expert testified that while soot and ash were present on the property, soot does not physically damage the property and ash only causes damage if left on metal or vinyl and is exposed to water; 3) the insureds\u2019 expert further testified that \u201cthe home could be fully cleaned by wiping the surfaces, HEPA vacuuming, and power washing the exterior.\u201d The court concluded that Wawanesa did not breach its insurance policy because the insureds did not have a covered claim.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">What This May Mean for You<\/h4>\n\n\n\n<p>Insureds need to understand that the facts for each case are often different from one another, in part because of different policies involved and individual coverages for each client. For example, many policies have debris removal coverage that may cover a claim. In some cases, other coverages within Coverage A or B have included language that will cover some debris cleanup. And, of course, there are matters of proof \u2013 such as whether in fact there are long-term consequences of the debris, including air contamination and impairment.<\/p>\n\n\n\n<p>Don\u2019t be discouraged by this case even if a coverage denial cites it. There is more to this story!<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><a href=\"https:\/\/www.lathropgpm.com\/insights\/california-courts-continue-to-grapple-with-what-constitutes-wildfire-direct-physical-loss-or-damage\/#_ftnref1\">[1]<\/a>&nbsp;<em>Another Planet Ent., LLC v. Vigilant Ins. Co<\/em>., 15 Cal. 5th 1106, 1117, 548 P.3d 303, 307 (2024).<\/p>\n\n\n\n<p><a href=\"https:\/\/www.lathropgpm.com\/insights\/california-courts-continue-to-grapple-with-what-constitutes-wildfire-direct-physical-loss-or-damage\/#_ftnref2\">[2]<\/a>&nbsp;<em>Id.&nbsp;<\/em>at 1140.<\/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>Robyn Anderson, Nancy Sher Cohen and Michael Gonzales | Lathrom GPM Overview of Issues In\u00a0Gharibian et al., v. Wawanesa General Insurance Company, the California Second District Court of Appeal found that, under California law, the insureds failed to prove smoke, soot, ash and fire debris on covered property constituted \u201cdirect physical loss to property\u201d as&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/direct-physical-loss-or-damage-wildfire-what-constitutes\/\">Continue reading <span class=\"screen-reader-text\">California Courts Continue to Grapple with What Constitutes Wildfire \u201cDirect Physical Loss or Damage\u201d<\/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":[9895,88,340,22],"class_list":["post-904164","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-advise-consult","tag-california","tag-direct-physical-loss","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>California Courts Continue to Grapple with What Constitutes Wildfire \u201cDirect Physical Loss or Damage\u201d - Advise &amp; 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