Could Insurer Avoid Coverage Based on Exceptions to Policy?
The house owned by Michael Zimmerman sustained water damage in the winter due to frozen and burst pipes while he was overseas on an extended five-week trip to India (late November to early January). Zimmerman alleged that Leatherstocking Cooperative Insurance Company breached their insurance contract by disclaiming coverage for the loss. Leatherstocking in turn alleged that the disclaimer was proper because reasonable care was not taken to maintain heat in the home while Zimmerman was away.
After nine prior motions and three years of discovery, the parties filed dueling summary judgment motions. While the parties raised numerous legal issues, the resolution on those motions essentially boiled down to the applicability of the following provision in the policy:
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