Was Loss Covered by Insurance Policy or Barred by Exclusion?
Homeowners’ insurance policies cover generic enumerated risks, on the one hand, but also expressly exclude certain coverages, on the other. As a recent case illustrates, a Court may be required to determine whether a particular loss is covered or excluded.
Evan and Jennifer Klein owned a home in Suffolk County insured under a homeowner’s insurance policy issued by State Farm Insurance Company. During the coverage period, the Klein’s in-ground swimming pool collapsed, causing damage to the pool walls, brick border, and patio area surrounding the pool. They submitted a claim for coverage under the policy.Continue reading