{"id":904516,"date":"2025-07-01T17:01:49","date_gmt":"2025-07-01T23:01:49","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=904516"},"modified":"2025-07-01T17:01:54","modified_gmt":"2025-07-01T23:01:54","slug":"all-risk-first-party-property-insurance-claim-burden-of-proof","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/all-risk-first-party-property-insurance-claim-burden-of-proof\/","title":{"rendered":"Quick Note: Burden of Proving and Defending All Risk Property Insurance Claims"},"content":{"rendered":"\n<p>David Adelstein | <a href=\"https:\/\/www.floridaconstructionlegalupdates.com\/quick-note-burden-of-proving-and-defending-all-risk-property-insurance-claims\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Florida Construction Legal Updates<\/a><\/p>\n\n\n\n<p>If you are pursuing an <a href=\"https:\/\/www.myconstructionexpert.com\/blog\/all-risk-vs-coered-peril-policies\/\">all-risk first-party property insurance claim<\/a> on behalf of an insured, or defending such a claim on behalf of an insurer, a recent case includes a short snippet explaining the corresponding burdens of proof:<\/p>\n\n\n\n<p><strong>To make a claim under an all-risk policy, the insured must establish that her home suffered a covered loss while the policy was in effect. Once established, \u201cthe burden shifts to the insurer to prove that the cause of the loss was excluded from coverage under the policy\u2019s terms.\u201d And if an insurer relies on an exclusion to deny coverage, the insurer \u201chas the burden of demonstrating that the allegations of the complaint are cast solely and entirely within the policy exclusion and are subject to no other reasonable interpretation.\u201dThe burden then shifts once more to the insured to prove an exception to the exclusion contained in the insurance policy.&nbsp;<\/strong><\/p>\n\n\n\n<p><em>Spartan Services Corp. v. People\u2019s Trust Ins. Co<\/em>., 50 Fla.L.Weekly D1038a (Fla. 3d DCA 2025).<\/p>\n\n\n\n<p>Remember, if you are an insured, you need to prove the loss occurred while the policy was in force. &nbsp;This shifts the burden to the insurer to prove the loss was excluded under the policy. Then, the burden shifts back to the insured to prove an exception to the exclusion, or that the exclusion doesn\u2019t apply.<\/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>David Adelstein | Florida Construction Legal Updates If you are pursuing an all-risk first-party property insurance claim on behalf of an insured, or defending such a claim on behalf of an insurer, a recent case includes a short snippet explaining the corresponding burdens of proof: To make a claim under an all-risk policy, the insured&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/all-risk-first-party-property-insurance-claim-burden-of-proof\/\">Continue reading <span class=\"screen-reader-text\">Quick Note: Burden of Proving and Defending All Risk Property Insurance Claims<\/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-904516","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>Quick Note: Burden of Proving and Defending All Risk Property Insurance Claims - Advise &amp; 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