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Additional and Supplemental Property Insurance Coverages – New Appleman on Insurance Law Library Edition, Chapter 45

By Michael Raibman and Paul Walker-Bright, Attorneys, Reed Smith LLP This chapter describes the more common coverages that are added to basic property insurance policies. It further explores how courts have resolved disputes concerning these additional and supplemental coverage provisions. Section...

Ensuing Loss Provisions, Efficient Proximate Cause Rule, and Definition of Collapse Addressed by WA Supreme Court

By Jerret E. Sale , Daniel R. Bentson On May 17, 2012, the Washington Supreme Court issued two new opinions addressing "ensuing loss" provisions (also known as "resulting loss" provisions), the "efficient proximate cause" rule, and the definition of "collapse"...

The Use of Fringe Science in Washington State Collapses for Policyholder Allegations of "Collapse"

By Daniel R. Bentson , John A. Bennett The Washington Court of Appeals recently addressed what evidence an insured can present to prove that its buildings reached a state of "collapse"—or, "substantial structural impairment"—during a past policy period. In Lake Chelan...

Is That Covered? Roof Collapse Due to the Weight of Ice or Snow

As a result of our snowy Winter in 2013-14, policyholders may be faced with the issue of whether insurance covers damage to a business facility or home due to a roof collapse from the weight of heavy snow or ice? The answer depends on whether the policyholder's business property or homeowner's...

demolished building

Washington Supreme Court Defines "Collapse" to Include "Substantial Impairment of Structural Integrity"

By Daniel R. Bentson In Queen Anne Park Homeowners Ass'n v. State Farm Fire & Cas. Co. , [subscribers can access an enhanced version of this opinion: lexis.com | Lexis Advance ], the Washington Supreme Court held that the term "collapse," when left undefined in a first-party property...