{"id":904353,"date":"2025-05-15T15:29:43","date_gmt":"2025-05-15T21:29:43","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=904353"},"modified":"2025-05-15T15:29:47","modified_gmt":"2025-05-15T21:29:47","slug":"period-of-restoration-court-weighs-in","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/period-of-restoration-court-weighs-in\/","title":{"rendered":"Court Weighs in on Determining \u201cPeriod of Restoration\u201d"},"content":{"rendered":"\n<p>Paul Ferland, Joshua Tumen and Tracey Jordan | <a href=\"https:\/\/www.propertyinsurancelawobserver.com\/2025\/05\/12\/court-weighs-in-on-determining-period-of-restoration\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Property Insurance Law Observer<\/a><\/p>\n\n\n\n<p>In&nbsp;<em>Comprehensive Medical Center, Inc. v. State Farm Mutual Automobile Insurance Company<\/em>, 2025 WL 416814 (9th Cir. 2025), the Ninth Circuit Court of Appeals affirmed the district court\u2019s determination that the period of restoration tied to water damage at the insured\u2019s commercial property was the theoretical period when repairs should have been completed with reasonable speed, not the actual period of repairs thwarted by extraneous delays.<\/p>\n\n\n\n<p><strong>Facts<\/strong><\/p>\n\n\n\n<p>The insured\u2019s claim arose after multiple water leaks damaged its office. The insurer initially paid a certain sum for lost income due to the leaks.\u00a0However, the insured sought additional benefits, leading to a dispute over the total amount owed. The district court <a href=\"http:\/\/www.adviseandconsult.net\/experts.php\">ordered an appraisal<\/a> to determine the amount of income lost by the insured for a period following the initial leak. The appraisal panel\u2019s decision was confirmed by the district court, which granted summary judgment to the insurer, concluding that the insurer did not owe additional benefits.<\/p>\n\n\n\n<p><strong>Analysis<\/strong><\/p>\n\n\n\n<p>On appeal, the Ninth Circuit\u2019s analysis focused on the scope and extent of the period of restoration, which the policy defined as \u201c[t]he date when the property at the described premises&nbsp;<em>should be repaired<\/em>, rebuilt or replaced&nbsp;<em>with reasonable speed<\/em>&nbsp;and similar quality.\u201d (emphasis added).&nbsp; In consideration of that definition, the court affirmed, emphasizing that the period of restoration was the period when repairs should have been completed with reasonable speed, without consideration of additional causes for delay.&nbsp; Specifically, the court rejected the insured\u2019s argument that the period of restoration should have incorporated the time needed to repair areas not part of the \u201cdescribed premises\u201d or delays caused by non-covered causes of loss, such as the actions or inactions of third parties (including the landlord and property manager).<\/p>\n\n\n\n<p><strong>Conclusion<\/strong><\/p>\n\n\n\n<p>Calculating an accurate <a href=\"https:\/\/www.myconstructionexpert.com\/blog\/period-restoration-valuing-business-interruption-claims-part\/\">period of restoration<\/a> is critical in adjusting insurance claims.\u00a0As demonstrated in\u00a0<em>Comprehensive Medical Center<\/em>, that period must reflect the theoretical timeframe for completing repairs with reasonable speed, rather than the actual time period that encompasses delays that would not otherwise be afforded coverage. Engaging building consultants, engineers, accountants, or other types of professionals early in the claim is essential to help accurately capture the appropriate timeline.<\/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>Paul Ferland, Joshua Tumen and Tracey Jordan | Property Insurance Law Observer In&nbsp;Comprehensive Medical Center, Inc. v. State Farm Mutual Automobile Insurance Company, 2025 WL 416814 (9th Cir. 2025), the Ninth Circuit Court of Appeals affirmed the district court\u2019s determination that the period of restoration tied to water damage at the insured\u2019s commercial property was&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/period-of-restoration-court-weighs-in\/\">Continue reading <span class=\"screen-reader-text\">Court Weighs in on Determining \u201cPeriod of Restoration\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":[9895,22,9916],"class_list":["post-904353","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-advise-consult","tag-insurance","tag-period-of-restoration","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 Weighs in on Determining \u201cPeriod of Restoration\u201d - Advise &amp; 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