Tag Archives: exclusion

Question of Fact whether Water Loss Occurred During the First 14 Days of Leak

Many property insurance policies have an exclusion regarding loss caused by a repeated leakage of water over a period of 14 days or more.  Think of a leak with a plumbing system and that leak is continuous over a period … Continue reading

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Insurer Bears Burden to Demonstrate Exclusion in Policy Applies

Okay; you are in an insurance coverage dispute.  Who bears the burden of proof when the insurer relies on an exclusion in the policy to deny or limit coverage?  The insurer bears this burden! The insurer must demonstrate that an … Continue reading

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Is there Coverage Under My Property Insurance Policy if a Covered Risk and Excluded Risk Contribute to My Loss / Damage?

Builders risk insurance or homeowner’s insurance is a form of property insurance. Oftentimes, the policy is an all risk policy; this is a slight misnomer since the policy covers all risks except those that are specifically excluded (and there are numerous … Continue reading

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The “Your Product” Exclusion in CGL Policies Excluding Damage to an Insured’s Product

Commercial general liability (CGL) policies contain an exclusion known as the “your product” exclusion. The “your product” exclusion “excludes property damage to your product arising out of it or any part of it.” Stated differently, this exclusion is designed to … Continue reading

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