Water Damage Occurring Over Several Year Period Can Be “Occurrence” Covered Under Insurance Policy

Shaun Marker | Property Insurance Coverage Law Blog | November 24, 2014 Now get ready because everything you thought you knew about water damage claims and whether they are occurrences that are covered, or ongoing events that are not covered, may be tested with this one. Would you think that a water damage claim occurring over… Continue reading Water Damage Occurring Over Several Year Period Can Be “Occurrence” Covered Under Insurance Policy

Defective Work on a Building Pad that Results in Structural Damage is Not Considered an “Accident” that would Trigger Coverage for an “Occurrence” under a CGL Policy in Kentucky

Benjamin B. Hyden | Bricker & Eckler LLP | October 31, 2014 Structural damage to a new building caused by a defective building pad may not be covered under a commercial general liability (CGL) insurance policy when the specific damage is the type of damage that a properly constructed building pad is expected to prevent.… Continue reading Defective Work on a Building Pad that Results in Structural Damage is Not Considered an “Accident” that would Trigger Coverage for an “Occurrence” under a CGL Policy in Kentucky

Cosmetic Damage is Physical Damage

Chip Merlin | Property Insurance Coverage Law | October 22, 2014 Property insurance policies cover physical damage to property. Cosmetic damage has traditionally been paid if the damage is greater than the deductible. Lately, some ingenious insurance company lawyers are wrongfully arguing that their stingy insurance company claims managers are correctly not paying for cosmetic… Continue reading Cosmetic Damage is Physical Damage

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