Homeowner Insurance Feed

Second Circuit Court of Appeals: Connecticut Homeowners Insurance Policy Does Not Afford Coverage for Crumbling Concrete Basement Walls

In a previous entry, I referenced the many lawsuits filed by Connecticut homeowners involving crumbling concrete basement walls, in which homeowners seek coverage under their homeowner insurance policies for damage caused by deteriorating basement walls arising from hidden decay believed to be caused by defective concrete. On April 2, 2019,... Read more →


Issue of What Constitutes a “Collapse” Sent to Connecticut Supreme Court

There are more than fifty insurance cases pending in Connecticut courts against insurance companies arising from the denial of insurance claims under homeowner property policies for damage to homes due to defective concrete used in construction of the homes dating back to the late 1980s. The property damage claims arise... Read more →


CONNECTICUT SUPREME COURT: INSURER MAY PURSUE SUBROGATION FOR PROPERTY DAMAGE CAUSED BY TENANT’S NEGLIGENCE

Equitable subrogation is a common law doctrine that permits an insurance company which has paid its insured for a loss covered under an insurance policy to substitute itself for the insured and proceed against a third party for a loss caused by the third party. The doctrine of equitable subrogation... Read more →


Is an Insurer Obligated to Warn Policyholders of the Presence of Mold in Insured Premises?

I have had policyholders complain to me about the fact that an insurance company did not advise them about the scope of damage from a particular loss. Until recently, no Connecticut court had decided whether an insurance company has a duty to inform its policyholder of the presence of mold... Read more →


Insured’s Detention of Employee in Home Office Following Intrusion Falls within Business Pursuits Exclusion in Homeowner Policy

The Connecticut Appellate Court recently interpreted a “business pursuits” exclusion in a homeowner’s umbrella liability policy broadly and held that a claim for coverage for tortious conduct related to or connected with one’s business pursuits falls within the exclusion and that a direct proximate causal connection to the business is... Read more →


Insurance Coverage Action Filed With Court But Not Timely Served Barred by Insurance Policy Suit Limitations Clause

In a previous entry I referenced the fact that there are many lawsuits pending in Connecticut against insurance companies that involve disputed claims arising from damage that homeowners in Northeast Connecticut have suffered due to defective concrete used in the construction of their homes. A Connecticut federal court recently dismissed... Read more →


Insurer Not Entitled to Dismissal of Claim Arising from Cracking and Decay of Basement Walls Under Homeowner Property Policy

According to recent Connecticut news reports, many homeowners in Northeast Connecticut have suffered damage to their homes caused by severe cracking of concrete in the basement walls of their homes that is believed to be the result of a chemical compound known as pyrrhotite in stone used as concrete Reports... Read more →