Physical Damage

Policyholders Win a Covid Case! North Carolina Supreme Court Rules Government Closure Order Can Result In “Direct Physical Damage”

Dec 15, 2024 By Chip Merlin

Reflections on the Erie COVID-19 MDL: A Bittersweet Journey Through Unprecedented Insurance Coverage Territory

Oct 27, 2024 By Chip Merlin

What Is Cosmetic Damage?

Jul 25, 2024 By Chip Merlin

No Coverage for Covid Losses—California Supreme Court Follows Other Courts and Holds for Insurers

May 24, 2024 By Chip Merlin

Cosmetic Damage Hail Issues—Biased Engineering Reports and Bad Faith

Nov 15, 2023 By Chip Merlin

Some Courts Find That Loss of Use, Functionality or Reliability Constitute Physical Loss or Damage

Jul 18, 2023 By Chip Merlin

Mere Possibility of Physical Damage Is Not Enough To Trigger Coverage

Jul 17, 2023 By Chip Merlin

Did a Major Insurer Admit in Its Claims Manual Coding That Covid-19 Causes Physical Loss?

Jul 09, 2023 By Chip Merlin

Robert Rutter Argues That the Term “Physical Loss or Damage To” Was An Expanding Coverage Concept Before the Covid Coverage Controversy

Dec 30, 2022 By Chip Merlin

The Property Insurance Industry Is Pushing to Limit the Concept of Physical Damage or Physical Injury

Dec 29, 2022 By Chip Merlin

North Carolina Insurance Contract Interpretation and Philosophies of Insurance As Explained By The State of North Carolina

Jul 06, 2022 By Chip Merlin

Science Debunks Insurers False Opinions That Covid Does Not Physically Damage Property

Jun 25, 2022 By Chip Merlin