InsuranceresourcesIf your property has any type of storm damage and you are needing to file a claim with your insurance carrier, this is where you need to be. Manning General Contractors has partnered with Public Adjustors, Appraisers, and the best legal minds in the business so that our customers can be the most informed.
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*We are not an Attorney, nor do we provide legal advice. That would be a breach of UPL.
*We are not a Public Adjustor, so we will not negotiate with your insurance carrier. That would be a breach of UPPA.
*We are not a Public Adjustor, so we will not negotiate with your insurance carrier. That would be a breach of UPPA.
Proof of LossIn an article posted by the Merlin Law Group, titled "Is Failure To Provide A Proof Of Loss Fatal To A Policyholder’s Claim Against An Insurer?" they touch on some extremely import points regarding a POL...
Nearly every property insurance policy contains a proof of loss provision which requires the insured to submit a sworn proof of loss. Policies often state, "We will pay within 60 days after we receive your proof of loss and the amount is finally determined by an agreement between you and us, a court judgment or an appraisal award." In litigation, insurers submit motions for summary judgment asking the court to dismiss an insured’s claim because the insured never submitted a sworn proof of loss. In many cases this is not fatal, and some courts deny these types of motions for summary judgment. continue reading |
AppraisalInsurance Appraisal is an alternative dispute resolution. Your property has been damaged by a storm and the Scope of Repair from your contractor does not match the one provided by your insurance company. If you have hired a quality contractor, their price will normally be higher than that of the insurance carrier and their scope of repair should be a lot more detailed. Well, there is hope! Steve Patrick from LP Loss Consulting will explain in this video.
Proximate CauseEfficient Proximate Cause: There May Be Coverage For An Excluded Cause of LossRecently, a small restaurant was vandalized. The damage caused by the vandals caused a water leak, which damaged the restaurant’s top floor bathroom and the bottom floor of the property. The damage was extensive, and the restaurant retained a water remediation company that same day.
The restaurant’s owner retained a public adjuster who he used in the past, and the claim was presented to the carrier. The carrier immediately changed the focus of the claim from the covered peril of vandalism to the excluded peril of water damage. The insurer denied coverage based on the insurance policy’s water loss exclusion. This case presents a chain of events issue, which is often referred to as the efficient or predominate cause fact pattern. The first step in analyzing coverage in such a case is to determine whether the initial cause is covered under the insurance policy. Here, the insurance policy provided coverage for vandalism. The insurance policy did define “vandalism,” so the common ordinary dictionary meaning of the word is used. According to Webster’s Collegiate Dictionary, 10th ed., vandalism is “the willful or malicious destruction or defacement of public or private property.” Black’s Law Dictionary defines vandalism as “such willful or malicious acts as are intended to damage or destroy property.” Because the vandals intentionally defaced the property, which led to the water damage, the initial damage is covered. Unfortunately, the majority of the damage was caused by the ensuing water leak, which is an excluded cause of loss under the insurance policy. But coverage likely exists under the efficient proximate cause doctrine. The efficient proximate cause doctrine is rooted in the Latin maxim causa proxima, non remota spectator. This maxim has been widely interpreted to mean, “the immediate not the remote cause is considered.”1 One of the leading and often quoted cases on the doctrine of proximate cause is Insurance Company v. Boon.2 In Boon, the policy covered certain goods in a store building. It contained a provision exempting the insurer from liability for “loss or damage by fire which may happen or take place by means of any invasion, insurrection, riot or civil commotion, or of any military or usurped power.” In October, 1864, Rebel forces surrounded and attacked the city, which was defended by Union forces. During the battle, Union officials set fire to the City Hall to prevent it from falling into the hands of the enemy. The fire spread to the building adjacent to the City Hall and from building to building through two intermediate buildings, reaching the store and destroying the insured goods. The U.S. Supreme Court held “that the fire which destroyed the plaintiff’s property took place by means of an invasion or military or usurped power, and that it was excepted from the risk undertaken by the insurers.” In discussing the principle of proximate cause, the Court stated, The proximate cause is the efficient cause, the one that necessarily sets the other causes in operation. The causes that are merely incidental or instruments of a superior or controlling agency are not the proximate causes and the responsible ones, though they may be nearer in time to the result. Vandalism is the “but for” or cause that set the restaurant’s loss in motion, so the resulting water damage, should be covered. Next week, I will post about the opposite scenario, in which an excluded peril leads to damage caused by a covered peril. It may be difficult to handle the suspense, but check back next week. I will explain why there may or may not be coverage under these circumstances. 1 Tillery v. Hull & Co., Inc., 876 F.2d 1517, 1519 (11th Cir. 1989). 2 Insurance Co. v. Boon, 95 U.S. 117, (U.S. 1877). |
People helping people, its powerful stuff!Our goal is to make sure you have the best resources that are informed and educated. The more you know as a property owner, the safer your investment is
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Everything we do is life changingWe have a blast doing what we do! Once our Team has completed this project, we walk away with a smile and a customer with more equity in their property.
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We Promise You the BestThis is not just a restoration job. This is an investment on our part.
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