HomeMy WebLinkAbout95-00075
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f,VBRITT CASU MUTUAL
INSURANCR COMPANY,
Plaint.ilt
IN TUR COURT or COMMON .LIAS or
CUMDIU4LAND COUNTY, PlNNlJYLVMHA
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CIVIL ACTION - LAW
DINIRAt ACCIDIMT IN8U~CI
COMPANY or AMI.ICA,
O.tlnd.nt.
NO. 91-0071 CIVIL TI."
l~ MI, PlrlftO~T'. HQTIQ__ro~ '~~RY ~UDOM'~T
IlIro,~ Qt.I" , ~,
OPlMtQ" .nd QaalB gr 'OU~t
Ol.r. .1,
TI111 0'" pr...nt.. th. l..u, ot wh.thlr .n lnlurl&' on .
bullder'l rilk pollcy 1. li.bl. tor oontrlbutlon t.o an lnlur.r on
. h~ovn.r. poltoy, vhlr. the l.ttlr h.. p.ld . 01.1. .rl,in9 out
of d...,. to tht h~ durtn, oun.truet!on. ror thl r...on. .t.t.ld
ill thh Oplnlon, the court. vill hold that no .uoh duty of
ogntrlbutlon ..i.'..
.r^1JHI~~ t&Ct.
Tht rblnUU ha Innt.t Cuh Mutud 1n.ur.no. Coap.ny, .
purpar.,toR luthorl,.d to vrite In.l.lr.nOI poltet.. tn t.h.
C~nw.Ilth of rlnn,ylvlntl, wlth 1t. offlol' and prlnolp.l pllot
of bu.tn... at M,O. 1. IYlr,tt, ..dtord County, 'Inn.ylv.nt.. Th,
p,t.Rdant h Oenlfll Moldlnt Inllu.nn COlllp.ny ot ANr101, .
~grpaf.ttgn .~\h@rtl.4 to wrlt. lnfurlnel poltol.. tn th.
C(~nw..l'h of '."nlyly.nll, with it. off1"1' Ind prlnoip.l pllQ,
Q' ~ij.in... ., 100 ~~rp~r.t. Cln\., PliYI, C~p "ill, CuMblrl.nd
C~4"\Y, "nn,yly.nll.
'fl'l. ,11l1nHtf 1..'1.a . I\.(f/ll4Q1;IlU, In.II,,,1I41 poH"y to PI'.
'ftwKln ~(fUIl" ..,;4 fX,ol1lUl l.'.'ilH"l.I~ "Mil" bill'''' 'h. h4".. th.
NO, 9~-OO'~ CIVIL TERM
D091in9' wIre having conatructld at 121 WI.t Harmon OrivI,
Carli.ll, cumblrland County, Plnn.ylvania. Th. O.tlndant il.ued a
build.r" rhk policy to Warnlr Hom.., Inc., which in.und the
buLld.r'. intere.t in the homl blinq built for the 0091ing..'
On or about February 11, 1994, the Oe91ing.' home wa. damagld
by the weight of enow and ic.. The 0.glin9' .ubmitted a claim to
Plaintiff for thi. 10", which re.ulted in Plaintiff'. payment to
the Oe91inq. of "9,662,1~, Ie.. the Oe91ing.' '2~0.OO deductible,
On January 6, 199~, Plaintiff, the hom.own.n' inlunneo
company, filed . complaint ag.in.t Oefond.nt, thl builder'l
in.unno. Clomp.ny, ...k1nCJ oontribution in the amount of
U9, 831,07, 1111win9 that .thl pdority of cove raw. undu both
poliel.. Wal equll Ind both the plaintiff and dehnd.nt were
joLntly Ind .evlrally lLable tor thl Intire 1011..' On rlbruary 2,
1995, Oeflndant tiled .n .n.wer with nlw mlttlr, On Flbru.ry 9,
1995, 'laintift tilod . rlplY to O,fond.nt'. nlw m.tter,
On Oeoember 14, 1995, O.fend.nt tU.d . motion tor .ullllll&ry
judgment. In the DIOtion, ootend.nt oontended that, tor an in.urlr
to be Intitlld to oontribution tram anoth.r in.ue.l', the polioie.
in qu..tion muet h.v. in.urea the ..ml proplrty, thl .... int.r..t
and the ..m. rilk, that in the 0'" at bu the in.urenel poUoh.,
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reaord
1996.
The inelmanul poUoi.. in qUllt.1on 4&'1 oontal.nod b the
by virtue at . Stipulation at the 'Irtl... tile4 M&roh 1,
· ,laint111', Complaint, plflqf.ph "
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NO, 95-0075 CIVIL TERM
1,.u.d to different partie. in the atore.aid ditferent aapaaiti..,
did not In.ure the eame intere.t, and that Plaintiff had,
therefore, failed to .tatl a aau.. at aation aoaln.t Defendant.
Defendant'. motion tor .ummary judoment ha. been reterred to
the undereloned judoe for diepoeition,l
PISCUSltIQtI
Penneylvania Rule of CIvil Proaedur, 1035(bl provIde, that
eummary judqment "ehall be rendered it the pleadino., depo.ition.,
anew.r. to interrooatorie., and admi..ione on file, toqether with
the affidavit., it any, .how that there i. no 9.nuine i..u. a. to
any mat.rial faat and that the mov!nq party ie entitled to judqment
a. a matt.r of law," In thle reoard, "(tlhe movino party ha. the
burden ot provlnq the non-.xi.tenoe ot any oenuine i..ue at faat."
Thamp.on Coal Co. v, Pike Coal Co., 4" 'a, 198, 204, 412 A.2d 466,
468-69 (19791, "A faot i. 'material' it ite determination aould
.tt.at the outaome of the oa.e, and. di.put. oono.rnin9 a mat.rial
t.ot 1. '9Inuin.' wh.r. the evidenoe 1. euoh that a r.a.onable jury
could return a verdlot for the non-movJ.n9 party." 'ttlolo/ Y.
or.enridgl Oil Co" 744 r. 'uPP' 101, 110 (W,D. Va, 19901, oJting
Ander.on Y, Lib.rty Lobby Ino" 477 U.I. 242, 106 I, Ct, 2505, 91
L, Ed, 2d. :102 (19161,
AdditIonally, "(tlh' reoord MUlt b, .xamJ.ned 1n the llVht ~.t
tavorabl. to the non-mov4n9 party," 60h.oter v. Albert, 212 'a.
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I I.. Order of Court, D~.mb'f 27, I"',
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NO. 95-0075 CIVIL TERM
Supn, 5B, 62, 239 A,2d B41, B43 (19861. "All doubt. .. to the
.xi.t.nc. of a genuine i..ue of a mat.rial faot mu.t b. r..olv.d
again.t the moving party," Thompeon Co.l Co. v. ,Jh Coel Co., UI
Pa, 19B, 204, 412 A,2d 466, 469 (1979).
In in.urano. law, it ha. b..n .aid thet
[olontr!bution h a prinaipl. ..notion.d in
.quity, and ari... b.tw..n oo-in.ur.r. only,
permitting on. who hat paid the whole 10.. to
obtain r.!mbur..m.nt from the oth.r in.urer.
who are aho liable ther.for..,. In ,hi.
r..peot, the compan!e. hay. b..n d..orib.d e.
.ureti.. for eaah oth.r.
6 Appleman, In.uranc. La", end practio. ,)902, at n:r I un).
"[Flor an in.ur.r to be entitled to oontribution fr~ another
in.urer, the poliaie. in que.tion ~u.t in.ure the .... prop.rty,
the .am. inter..t, and the .am. ri.k." HJ..ton N.t'J In.. Co. v,
Hut/ord ,J.n In.. Co., 702 r. .upp, IU, 141 (I.D. 'a. "n)
(applying Ohio law).
In HJ..Jon, the fed.rel oourt h.ld that an own.r', in,vrlnoe
oompany "'I' not .ntitl.d to oontribution fro. I build.r'. in.ura6O'
oompany with r..p.ot to p.yment on a 10" ari.int QUt @, I 'ire
that d..troy.d . oon.truotion proj.at, Id, Th. .11.ri,~ owne",
polioy and the builder.' ri.k po1ioy .01e.r1y Qovlrlldl di"erent
in.ur.d. and ol..rly prot.ottldl two diff.'ent in,url,l.
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NO. 9~.OOl~ CIVIL T~"M
lnt.r..t..- the oourt .tlt.d. Id,'
Thl holdin9 at Hi"Jon that no duty ot oontribution Ixi.t.
b.tv..n In.ur.r. on hOmlown.r.' polioi.. Ind 1n.ur.r. on bullder.'
poUoi.. ....m. to b. in laooord vith thlat at oth.r oourtl vhioh hlvo
oon.ldorod the 1..1.1., ... 6 Appleman. In.urlno. LlaV and praotioo
"'10. at .70-71 (197Z),
No 0.... hAve b..n found by thit oourt vh10h equate the
lnlured #.nhre..t. ot hOll\lownen .nd buUden tor purpoII' of
oontrlbution. Th. oourt 1. at the view thlat if a deplrtur. trom
whlat 1. ,pplrently the ,enlrll rule 1n thi. Irl' ot 1n.urlanol l.w
h \0 b4I IUde by 'enn.yivlnila it would bl IIOre lapproprlately
.".0\.4 by .n .pp.llat. oourt.
Th. tollowinv order vill th.re'or. b. .nt.red'
011218 gr l;QUJt
MID NOW, thi, ~ I" day 0' Hugh, UU, dtn ".nlUl
oonlla'f,t10n 0' o.t.naant'. Motion tor .u...ry Jud,..nt, .. w.ll
I' t~ brl.,. and ofal 'f,u..nt. pr...nt.d in the JUtt.r, and tor
. ~ '14\ thAt lRIYfa"@1 polloi.. If' 1..u.d to ditt.f.nt
lult.w, I., (to' IY\c;/MUQIUy dhpodUv. 01 Uti qu..Uon of
wlM!,It4t, ''''y ~h'''''' dUflt,."t; "",'''",,. /J'II} 11.'1,. Hllhlll'",IIUt
In.. c~. v, aO'Dh,nhNpp.' H~tll~l In.. Co., ),J ,., III,.,. "', 17J
A.14 111t (1"0) l'~f' l".~r.'w. ,~11Ql.. of Ylndor.n4 y.n4.. ~.ld
~Q 4".~r. .... in'.'.'\1'
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EVERETT CASK MUTUAL tNSU~NCE I
COMPANY, I
Plaintitt I
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tN Till: COURT or COHMON PLUS
or CUMBERLAND COUNTY
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NO. '6-71 CtVtL TIRM
OINE~L ACCIDENT tN8U~NCE
COMPANY or AMERtCA,
D.rlndant
NIMORAHDUH IN '~"ORT or QlrIHD~" MOTIOH rOR IV~Y JUDgM,HT
Th. Dlt.ndant, aln.ral Aocid.nt tn.uranel company ot Am.rica
("o.nlral Accident"), by and throuqh ite attern.y, Donald B,
Hoyt, I.quir., til.. thi. M.morandum at Law in support or
Detendant'. Motion tor Summary Judqmant, and .ay. a. tallow..
I. 'TA'tIM1HT or fACD
Thl 'laintitt, EVlr.tt Caah Mutual tn.urane. Company
("Ivlrltt Ca.h Mutual"), i.auld. homeownlra' in.urane. policy tc
Dr, Thoma. Oaqlinq Ind Donna DIQlinQ ("0191in9'") which inaur.d
the hC.I thl DlqllnQ' w.rl hlvlnq eon.truotld .t 131 WI.t Harmon
Drtv., carllall, PlnnaVlvanla.
Th. Dttlndant, aan.ral Accidlnt, l..uld a butldtr'. ri.k
policy to the contractor, Warnlr 110m.., tno. ("Warnu KO"'I")
hlrld bV the D'911nQI to build thllr ho"" whioh in.ured warn.r
Ko.e.' Intarl.t ln the hou.. lt wa. conltructinq tor the 0lqlin9'
It 131 WI.t Harmon DrivI, carllal., 'Inn.ylvanla,
IVlrltt ca.h Mutual alllq.. that, on 'Ibruary 11, 19'., the
DlqUnq.' h01ll1 w.. d".(lld by tn. li119/lt ot .now 4114 lea, in the
..aunt of t1.,.'J.1', Th. D'Qil~I' aubmltt.4 - al.1m to Cy.r.tt
Cash Mutual ror thls damaQs, under thelr homeowner,' pollcy.
Everett Cash Mutual pald the Oe9l1n9" Q141m, mlnu. the 0'911n,I'
$2~O.OO dlductlbll, thIn louQht contrlbutlon from a.n.ral
Accldlnt ror an amount Iqual to halt of thl amount It plid to the
olqUnql,
a.nlral Accldlnt hi' r.tuI.d to PlY Any p.rt ot the 101', on
thl qround that thl 10.. wal 'Molud.d trol coy.raq. ot thl
build.r'. rllk po1ioy i..u.d to Warn.r Homl. o-OIU" the 101' WI'
oau..d by Warner Ham..' detiolent de'19n Ind d.flctlvl
oonltruotion of thl haUl.. Th. build.r'. rll~ polioy 1..ut4 to
Warn.r Horn.. IMoludl' all or the tOl10winq tram OOYlrl,.1
(I) lOll olu..d by H III rror, 01ll1"10n or d.Uot.nor 1n
dl.iqn or .peott catton. (0.n.rl1 Acold.nt ,u1 d.r'l
Rilk ,olioy, ..otion 1(21('111
(bl 10.1 oluled by H(tllulty, In'd~u.t. or d.f.otlv,
.Itlrial. or work.lnlhlpH (0.n.r.1 AQoldent lulld.r"
Rllk ,olioy, 'Iotlon 1('1(1111 .nd
(Q) 10.. r"ultinq frol Hallhon.lt lot. by (W.rn., "01*'1-
(Olnlrll Aoold.nt lullder" li.k 'ollOY, 'Iotlon
DU)(bl,
On Janulry " ",., Iv.r.', c'ln Mutual 1111\1 a Co.,laln'
Iqlln.t O.n.ral AoOld'nl 'I.kinq oontr1butlon. Oi,oovlry .".~
bltW.ln th. partl... fn OotOo.l. ",., Iv,r,ll CAin NUlUtl
f..ponded to a.n.r'l Aooid,nttl ~i'OQvery f~ij.lt', tn4 fllt4 .
pr'laip. to lllt thil ""I' 'or 'riA..
On Dlo..b.r 'J, l"~, af'.r r'Yi.wl~ Ih. di.~~v.rv
intor..tion provldld by Iv,r,tt C..n H4tYal, Q.~r4i ~i4."'
tiled. Motlon tor 'w~'ry J~M."t, 4i\~i~f t~t (V".., e..~
Mutual t.il.d to 411.qt, .~ q4"~' ,f9V., th. '4@t. n~~....fV ,.
;,
atata a alalm Iqalnat oeneral Acoident tor oontributlon. Oeneral
Aocident ncw tl1.a thia Memorandum ot Law ln .upport ot It.
Motlon tor summary Judqment.
II, ITATI~INT Of TPI tl8UI
DaiS Till INSURANCE COVERAOI PROVIDED BY THE HOMEOWNERS'
POLICY I8SUID TO THE DEOLINOS BY EVERETT CASH MUTUAL AND TilE
BUILDER'S RISK POLICY ISSUED TO WARNER HOHES BY OENERAL ACCIDENT
PROVIDE DUPLICATE COVIRAGE IN Till HANNIR NECESSARY TO CREATE A
DUTY or CONTRIBUTION rOR GENERAL ACCIDENT?
propo..d Anlw.rt No.
In:, UQII~.U
IV.rltt Calh Mutual attlmpt. to makl I olalm aqalnat oln.ral
Aocident tor contribution ot one h,,1t the lJlIount it wa. obllqltld
to pay the 0.ql1nql und.r th.ir homeowner" pOlioy. Howev.r,
Ev.r.tt ca.h Hutual tail. to al1'91 th. tlot. thlt ar. nloe.lary
to .tate a CaU'1 ot aotlon tor oontributlon, rurthlrmor., dUI to
the taot. upon which thl. oa.. r..tl, Ever.tt calh Mutual a.nQat
prove thl rlqul.ltl 11I.lnt. ot a oauae at aotlon (or
contrlbution.
An in.ure, h.. no riqht ot contribution unle.. "double
in.ur.nol" exi.t., wlth tWo Or .or. poliol.. provldlnq duplloat.
aovera;. ot the loa. 1n qUI.tlon. Horn. tOt C~iDRl.d Child~ID y\
tt~~.Qti.l In,. CO~. "0 r.lupp. i4'0, 1'01 (W.O.," 1914)(citlnq
tUlI,ub.rQ 'II"!.)' l:lh Y, CQIII..{gl.LJ:u.~, H r.~d 117 (Jl'd
ell', 1939). cart. dllln.. no 1./... '71. ~Q I.ct. H, 14 L.ld. U'
(1'U9)IIU.I&QILlf~r..! Inl, ~Ol 't~ If.\'U~H:~ nr. In'l ~I' 10:1
r"upp. IUl, U'J (&,0,''', UU).
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Double insurance exists only". ..when the insurance covers
the .ame property, risk. and inters.t." Reliance In.. Co. v.
Allstate Indemnitv co.. 514 ,.Supp. 486, 487 (I.O.Pa. 1981),
Itt'd, 681 r,2d 808 (lrd Cir, 1982). Thu., "(o)ontribution
cannot be enrorced unle.. the policie. cover the .ame intere.t in
the .ame property in ravor or the same parties a9ainet the earn.
ca.ualty or ri.k." Couch on In.uranee 2d S 621162/ Mi..ion Nat.
In.. Co" lupra, at 545,
The two policie. cover ailtinctly dirterant in.ur.d.. Th.
homeown.r.' polioy i..ued to the 0'91in9' by Ever.tt Ca.h Hutual
in.ur.. thl 0'91in9" Plaintirt.' Complaint, 'l. That policy
do.. not name Warn.r Horn.. a. an additional in.ured. The
builder" ri.k polioy i..ued to Warner Home' by a.neral Aooident
namea Warn.r Home. a. the in.ur.a. Pl.intirf., compl.int, , 4,
The policy dOl. not nama the De91in9' II additional inlurldl,
Thu., the polioi.1 do not providl oVlrlappin9 covera91 tor
either in.ured. A. a relult, double inlurlne. dOe. not .~ilt in
thi. in.tancI, and contribution would b. inappropriat.. "Th.
named in.urld. not bein9 thl lam. in each pOlicy. it cannot bl
..id that the part i.. to the two poliei.. with which w. ar. h.r.
cone.rn.d er. tha .... or ldentical. H.nol, the rlqht ot
oontribution o.nnot b. entorced," aepublio Inl, ~O. v. Unite~
~t.tl. rire (n.. Co., 444 P.2d 161, .70 (Colo. 'upreme Ct. 1"1)/
... ~i.'~QD, ,upre, at '4'.
Thl polioi.1 al.o in.ur. dirt.r.nt typ.. or lnter..t.. Til.
ho..ownlr.' policy i"uld to the D.ql1n9' by Iv.rltt Cain Hutual
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1nlur.. thelr lnttr.et. 1n the prop.rty .1 hom.own.r.. The
bulld.r'. rl'~ pollov 1..uld to W~rn.' Hom.. by Oln.,al Aooldent
In.ur.. Warn.r "0...' lnt.r..t ln th. prop.rty I' I bulld.r.
Cl..rly, tn... .,. dltter.nt lnt.r..t..
Th. 'lot th.t the pollol.. In.ur. dltt.rent lnt.r..t. 1. vet
.nother r.a.on thlt double In.urlnol 1. not pr..ent in thi.
11euaClon. ror Chi. addltlon'l r...on, oontributlon would be
in.ppropriaee. . J. Appl...n. In.urane. ~w , 'rlotloe . J'Qlt
&lJJIDGI S~'L-~" .upr.. .t .,1-", ... ~LIJlQQ. ,up~" It 1411
Couah, .upr.. .31110 (NCon.equlnely. on. In.urlnq I lQL~i'Wqr'.
ins.tlll oanftOt. ln 01.1 0' 10", proFit. the 10" with I polloy
IliUM on 'hi "UUIlllI', ~1I.n4.nt..Jl\lu:..li. un4.... It Ill'u"
provldl~ 'or "or.'101 ..r.ly ln 0.,. ot Nothar In.urlno,- on
the prop'fty-) (,'phl.l. .4414),
ror 'h. lVOV' I...on., IV.f.tt Ca'h MUtu.1 n.. f.tl.a ,~
.11.... Ind ..nnqt prov" In. r~u,.it. .1..'"" 0' . 01_1. ror
oo"UllJUU@n. TM. QU. i. on Ail 'oun w1th lUulWljJ'lI.__-'IlH
fU,'" . ..,. t".' i. hlQhly f.vollbl. to a.n.ral AQQ14.n\. In
I1IIiPn Ift~~" the In.ur.r gf . ,fO,.,ty Qwn" Una'f .n III
'l,k. pollgy .~n' ~ntrl~"g" 'fO. 'hI 'n,uf" Q' thl ,rop.fly
ow",,,, ~ll~'~ QOftlr.@I@f, Who WI' In'ij,tQ "nQ., . Pijll~.,"
fi.k pgll@y, wl\." lh' ,r~,.r'y WI' da'4QtQ pv flf.. Tn. @Qyrl
~f."'14 ,~. 44f.~", ,",uf.r" ~tl@n '@f lij~fY l~..n' @n
lhe fQllowl~ ~f@~~"
H4r., .l'~~ lh. lw~ ,~llql.. Q@VI' l~. '4~' "~f.'tY 4mi
l~ I." '1'.' ,~y 4q "~, ~~V'f lh' ..,. lAllf..t""fh.
l~q ~~l~l.. ql..rly ~~~., 4~ff.rlnt In'u,.a, Imi Ql..,ly
'fQ~~t ,~~ 4"'.""' 1~Uf4~'. .nl4"4tl. ~"4'q" l./
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I IN THII COURT or oo""ON ...IA. or
I CUMIIRLAND COUNTY, PIHNIYLVAHIA
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I NO, '5-15 CIVIL TlRH
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EVERETT CASH MUTUAL
INSURANCE COMPANY,
Plaintiff
OENERAL ACCIDENT INSURANCE
COMPANY OF AMERICA,
Detendant
PLAINTIFF'S ~EM08AHPijH IN oPPOaIT~O~ 1Q
DEFENDANT'S MOTI9N Fp~ SUMMARY ~U~~t
Dr, and Mr.. Oeq11n9 oontr.oted with Warner 110.", Ino. to
build their home, While the hou.e W.. under conetruction it WI'
damaged due to the weight at ioe and .now on February 11, 1..4.
Everett C..h Mutu.l ie.ued a ho.eowner'. policy to the Oetliftge.
oeneral Acoident had i.eued . builder'. rilk polioy to Wlrn.r
1I0mel, 80th polioi.. oovend the ho.e whUe it wu under
con.truction tor da.age oau.ea by the weight of ioe and lnow.
Following the 10.., Everett Ca.h Mutual lettled with it.
in.ured.. oeneral Accident r.tueed to partioipate in the
.ettle.ent at the 10", .0 Everett Cuh Mutual hll rUett In
action .eeking oontribution,
Oeneral Accident he. filed a lotion tor lu...ry judfltnt
relying on ",heian NlJ~. Inl.a..J:Q,_ Y. Uaft.tOfl1 .r.J.r._II1I~, 101
F, supp, 543, 545, (11.0, PI. 1"'), which held, "'or an tn.ur.,
to be entitl.d to oontribution frol another lneur.r, th. pollole.
1n qu..tion mu.t ineur. the .... prop.rty, the .... 1n'.f..t, .~
the .... ri.k,- Th.r. i. no que.tion that both pol lot.. ,oy.r
tn. .... prop.rty .nd the .... rlak. one tn.url' 'hI own4r.,
howeV.r, and th. oth.r In.ur.. th. bulla'f,
curlou.ly, the oourt in H!"~9n r.li,4 upon ~o...ro.~l Union
lll'- VI oi.tYIJaQ\&' en, COrD., IU r.24 II ('I'd ell', 1911). In
that 0'" the In.ur.r of the owner tl1ed an aotlon a.aln.t a
t"bOontraotor" in.ur.r tor oontrlbutlon tor the a..". to a wall
und.r oon.truotlon. Th. 41.trlot court h.ld thlt thl contrlot
betv..n thl pIrtle. pr.cludld . tubroqltlon ollla by the ovner't
olrrler, Th. Third Clrouit Court ot Appellt Iqr..d, but r.v.r.ed
holdlnq that the owner'. In.ur.r oould brinq an ind.pendent Clu.e
ot aotlon tor oontrlbution 1,lln.t the lubOontrlotcr" lnlurer,
Tht court ot apP'll1 (Ind al.o the court ln Hle..oo) olt.d Couch
on Ineufanol ad. .,a, 101 (I"') whioh Itat'I'
~ ,i9ht to oontrlbution 1. prldioat,d on tha
pfinoi,l. that all In.ur.r. ar. ~uallY llabl' tor the
di.oha,.. ot a ooa.on obliqltlon, Ind .rle'l Iv.n thou,h,
for tbe obli'ltion involved. the .uretl.. ar. bOund by
..,.r.t. In.truaent.. Th. prlnclpl. of oontrlbutlon
I"~ the ..llt.no. ot two or .ora vIlld contrlat. ot
In,urenoa oov.rlnq thl p.rtloular 10" .nd tho p.rtloule,
o"ullty In qu..tlon. It 1 r,3d It 101.
AOOOf4in4 to thO Third elroylt court ot Appaal. .nd tha
troltl.. Oft tn.ur.nol. Iv.rott C'lh Mutual .a.t. tha rlquir..ant.
to 00.,.1 QOfttrlbWtleR, ThOf. .r. two valid oontr.ot. of
lnIUflft@' QOv.,tnt tho p.rtio"llr 10.. . the dl'l,a to tho
wlhl1"', 'M U\I puthN1U ouullty . OIU'.a by tho wolvht of
h!ll; .fIII 'MlJ/,
W. I~.t' ,~, QOu,l .h~14 cQnoida, tho .quitl.. inYolv~,
Tn'_ ,. . ~, . _"u.t'on ~'f' gn. eo.p.ny io ,fA..,y and th4
~'h'f 1. .~..' ~'h .f. 91 tq~l 'flor'ty, Iv.r.tt CI.n
lWtlf*l !iH . INtv 'Ii 1" l,..i,lfH. l@ a4'u,' .00 ,''V thl ontho
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EVERETT CAlli MUTUAL
INSURANCB COMPANY,
Plaintitt
I IN Tilt: COURT or COMMON PLEAS or
I CUHBIR~ND COUNTY, PENNSYLVANIA
I
I
I NO, 95- '} S CIVIL TERM
I
I
I
I
v.
GENERAL ACCIDENT INGURANCE
COMPANY or AMERICA,
D.t.ndant
tlOTICIC
You hav. been .ued in court, It you wi.h to d.f.nd aqaln.t
the olaim. .et torth in the tollowlnq paq.., you mu.t take aotion
within tWlnty (20) day. atter thi. Complaint and Notic' ar.
..rv.d, by Intlrinq a written appearance per.onallY or by
attornlY and tilinq in writinq with the court your dlt.n... or
obj.otion. to the c1ai.a .It torth aqainat you. You ar. warn.d
that it you tail to do '0, the oa.. .ay proo..d without you and .
judql.nt .ay b. .nt.r.d aqain.t you by the court without turth.r
notic. tor any mon.y claim.d in the Complaint or tor any othlr
olaim or rl1i.t r.qu..t.d by thl plaintitt. You .ay loa. .on.y
or prop.rty or othlr riqht. important to you,
YOU SHOULD TAXI THI' PAPER TO A LAWYER AT ONCE, IF YOU DO
NOT HAVI A LAWYER OR CANNOT Ar,ORD ONE. 00 TO OR TILIPHONE
THE orrICI .IT rORTH BELOW TO rIND OUR WHERt: YOU CAN CIT
LECAL HILP,
court Ad.lnl.trator
rourth Floor
cu.b.rland County courthoull
carli.l., PA 1701]
Tll.phone. (117) 240-1300
EVERETT CASH MUTUAL
INSURANCB COMPANY,
Plaintitt
I IN THE COURT or COMMON PLOI or
I CUMBERLAND COUNTY, PENNsYLVANIA
I
I
I NO, lI!I-? .'5 CIVIL TIRM
I
I
I
I
COMPLAINT
AND NOW, com.. the plaintitt, EVlr.tt Ca.h Mutual In.urane.
V.
aENERAL ACCIDENT INSURANCE
COMPANY or AMERICA,
Detlndant
Company, by it. attorney., Fowllr, Addam., .huohart , Rundl', and
makl' the tollowinq complaintl
1, Thl plaintitt i. Everitt Ca.h Mutual Inlurane. Co.pany,
. corporation authorized to write in.urane. bu.inl.. in the
Commonwlalth at Plnn.ylvanie with it. ottlc.. and prinolpal pliO'
at bu.lnl.. at R.D. 1, Ev.rltt, PA l"J7-0'47.
a, Thl dlt.ndant i. alneral Accident In.urane. co.plny or
Amlrica, a corporation authoriald to writ. In.uranel bu.lnl.. In
thl Commonwlalth at Plnn.ylvanle with It. orrle.. Ind prlnolP4l
plaol ot bu.inl.. at 100 corporatl C.ntlr DrivI, P.O, BON ..11,
Ca.p lUll, CUllberland county, PA 11001-1I1Il.
J, The plaintitt i.eu.d a homeown.r. In.urlnol pOlioy to
Tho... and Donn. D'Ollno to provld' cov.rlQI tor th.ir neW ho..
at 131 W..t lIarllon Drive, Cull.l', CUlIlblrhnc.t County, 'A,
Inoludinq the ti.. it wu under conltructlon by Nern.r 110"',
lnc,
4. Dltlnaant Olnlrll Accident 1..uea . Julla.f. .l.k pqll~y
to Werner HO"I, Ino. whioh proviala cov.raq. to tn. O~11nq.'
ho.. whlle 1\ WI' und'~ oon.truotlon, A oopy ot the pol lay 1.
not attlohld. but It ln the po.....lon ot the d.t.ndant,
I. on or about Februlry 11. 1,'4, the D'Ollno.' home wa.
d"'O.4 ln the a.ount of ",,"3,15 by the w.l0ht ot .now and
10"
6. The 10" WI' cov.rld una.r both pollol..,
" Th. prtorlty of ooverlO' und.r both polloi" WI' .quII,
lna both th. plalntlfl and d,'.ndlnt w.r. jolntly Ind ..v.rallY
Uabl. for th. enUr. 10",
I. O.n.ral Aocldent r.tuI.d to p.rtlolpat. In the
.ettl...nt of the 10.. with the 0.,11no..
I, 'lllntllf Iv.r.tt Ca.h Mutual plld the .ntlr. 10" 1n
thl I~nt of "1,663.11 1... thl 1310.00 d.duotlbl. to the
D"11"",
10. The d.fendlnt t. liable to the plaintltf tor
~ntflbUtlon in tn. .aGunt 0' '1,,111,01,
WHC~lrO.I. the pl.inti'f d...na. 1udo..nt 10lin.t the
d.,.ft4ln\ in in. a~ni of '1'."1.01 plu, lnt.r.a' Ind ooat. of
luli.
rmiLlM. ADDAH" GIlUOltART . "UNO"I
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IN TH8 COURT or COMMON PLEAS or CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION - LAW
EVERETT CASH MUTUAL INSURANCE
COMPANY,
Plaintiff
No. e5-15 Clvll T.r.
v.
I
I
I
I
I
I
I
I
I
GENERAL ACCIDENT INSURANCE
COMPANY or AMERICA,
D.r.ndant
AMI... Q, PIII,QAIr
1, Th. all.gation. Dontain.d ln thl. paravraph ar.
admlttld.
a, Th. alllQation. oOlltain.d in thl. paraQraph .r.
ad.lttld.
" Th. allIgation. oontalnld ln thl. paravraph ar. d.nl.d,
Att.r r.a.onabl. tnvI.t19atlon, D.t.ndant 11 wlthout lntor..tton
or knowl.dQI .utt101lnt to tor. a bell.t a. to the truth ot the
aver..nt., Proot thlr.ot 1. dl.and.d at trla1 or thl t..u., Iy
way ot turther an.w.r, howlver, D.t.naant lavl... that the
oon.truotlon WI' by Wlrn.r Ho..., Ino" not W.rn.r "01", Ino.
t, The alll9ltlon. oontatn.d tn th11 parlQraph ar. d'nlld,
a. .tatld, O.n.ral Aooid.nt lllu.d a Bulld.rl "ilk pol lay to
W.rn.r "0"', lno, It W'I on bulld.r. Rllk Cov.rIQ' 'or. '-00'4
R.v. ',9J, 'oltoy No. Cl"040"4-200, .tt.otlvl aat.. '/l/'} to
'/1/'4, A. tar a. .p.oltlo oov.r.q. ln tn1. cOMplalnt, .lnoe tn.
alleqatlon. ot tnl, pa,lqrlph It. not .p.oltio, th.y .r. d.nled,
~. The alleqation. oontained in thi. paragraph are denied.
Atter rea.onable inve.tigation, Oetendant i. without intormation
or knowledge .uttioient to torm a beliet a. to the truth ot the
averment.. proot thereot ie demanded at trial ot the i..ue.
6, The allegation. contained in thi. paragraph are denied.
Atter rea.onable inveetigation, Detendant .tate. that the 10..
wa. not oovered by oetendant'. policy with the Warner Home., Ino.
proot ot Plaintitt'. allegatione are demanded at trial ot thi.
ie.ue.
7, Thl alleqation. contained In thi. paragraph are denied.
They .tate a llgal conolueion to whlch no re.pon.e i. required.
To thl extent an an.wer 1. rlquirld, thlY arl denied, proot ot
.aid alllgatlon. are demandld at trial.
S, The allegation. oontalned In thl. paragraph are denild.
Oetendant had no obligation to partiolpate in any .Ittll.ent.
proot thlrlot 1. de.andld at trlal ot thl 1..ue,
9, The allegatlon. contalned ln thl. paragraph arl den1ed,
Attlr rea.onable Inve.tlgatlon. Oetendant 1. wlthout lnto~atlon
or knOWledge .uttlollnt to torm a bellet a. to thl truth ot the
aver.ente. proot therlot 1. dlmandea at trlal ot the 1..uI.
10, Thl alllgatlon. contalnld In thl. paragraph arl denled.
Th.y .t.t. . llqll oonolu.lon to whlch no rl.pon.. 1. rlqulred.
To thl Ixtlnt an an.wer 1. requir.d, it 1. a.nlea I. thl ..ount
ol.i..d btar. no rlletionlhlp to any alleged re.ponllblllty ot
DI,.ndent to Plelntlt',
AA4llW'I
~
WHI~I'ORI, D.t.ndlnt ,.quI.t. th. Court to dl..,.. 'h.
eo_plalnt IQIln.t It wlth QO'" ot .ult,
,It. UtlD
In turth.r In.w., to "llntl,t', co.p'llnt, O.t.ndlnt 'v'"
the folloWlnt nlw ..tt."
I, Th' ".Intlt, ..V hlYI flll.d to .t.t. I OIU.' 01 .otlon
upon whloh ,.11., .'V ~. ~r.nted,
a. Dtl.n4lnt at 1'1 tla.. prop.rly d,nl.a Qov,r'q' und.,
lu Dulld".' 1Il1., 'ollvy wUh tlun., 110.", InQ" 'uUd'" IIll.,
eov.r.,. ror. '-00.. .IV. "", 'alloy NO, CIM040"4-JOO,
Itt.ot'y, dlt., "1'" to "1". C~Polluy.), A copy ot th.
,olloy ,. 1"loned h.r.t. .. I_h'bl' A,
I, T~ ~"~.' '0.. WI' .".,.41r th. ,.,ult of . 1."Uf'
01 V.tntf "...., InQ, to prop.,ly d"l.n tho hOu'" t. oon.'rvot
thl h9V" In . ,0Q4 an4 work.."'I", ..nner. to oon,'ruo' .'1
'l...n'. Of ,~ ~.. .,rll4 on Py V.rn., HO.,', Inu, 1~1 'hi
Ut,I'",', 1n4 of .'.r."...n'I'Iono ~y W,rn., Ho..' , lno.
conQ.,"'", "".U'l"""'.~ \. 4..1t" 'hi hou...
.. o.",n 4f'eQ,. .f' '''911'~.I'y ..~1u4.a If~ QoYe,'"
"n4.r 1~'I9" I.'... @, ,~ 'Q1I~Y, wh'~h ....". If.. fOY",,'
anv It.. ,,",14 ~ -..lff@f, ~,..IQn @f d.fl~I'nQY '" 4"1," .f
.p~",@.'l.".. .'@'I@V. ,. ti.
t, o.flf4.iHvl (f(tn.UItt.lUilt ;1M IMtf.,I.,. ",'UMM. If'
.~fJIU"u.HV .iff;ll~ If" Ifll't.f/flffl IoIfIt....' Itllilhm I,t.., ., 'M
r~ll~YI .~l~~ ...,,!. If" q~'f4'.' .hY a." q4~.t4 ., .'fl'~"V,
U,lIr1N'i1
.
elltIIbIC A
b. VAluable r.pen and RMUlds
W. will p~y your e"ptln"" '0 "'1101' or r'prr>dure your v.lu.bl.. p.pt" .nd "'011.11 which w,,,
d.m,s.d or dellmy,d .1 Ih'I"<'>!'" "" by .ny oIlhe Cover,d C.u.., nllan.
The mOil w.. will p.y lot 'Iou' und..r Ih'l C",..II.e blenl;')n 1\ "IJ,IXXI.
ThiS Cov,"" hl.nllon l'ln ..d,j'lion'o Ih.. .pplicabl..llmlll oIlnluI.n" p'ovld,d by Ihll
CoYerl., 'orm.
C. '''''I Ih,u"- Ind rllnlS
Wt wIll PlY 101 '10..'10 II"" "'fubt .nd pl.lllt .llh. plOjtel"" caused by 01 ,"ullIn. horn lilt,
lilhlllln.. ..pIOllOn, ~ivll dIIIUfblllC.. 1101. v,hld.... .ilCllfl 01 v~ndllilm.
Tht moll w, will PlY 101 'Iou' ulldel thll COVtfl,' h!tllllOn 1\ 110.000 bUllIOl molt (h.n ,no
101 Iny 0"_ II". Ihlub 01 pllnl.
Till. Cov'"" hleollOn I. In .addlllon (Q lilt .ppllcable Um,u o/ln,uI.IICt plOl/ldtd by \hI.
Cover." 'OIm,
d, luHoldh'l.nd eon.lluc:11otI 'orme
W. will pay 101 '1otl'Io K"'oldlll,lIqulpmtnl i1nd COIIWU(11On 101m. II \he ptOf'Cllllt caUlN by
01 '"ulti", (IOf'IIIfIY oIlh, Cov'fed C'uln 01 lOll.
Tilt moll w, w,lI ply 101 '\ott' und.. Ihl. Cov..... h!tnliOn I. 110,000.
Tl\Is COII''''''."nIlOll i"n ilddlllOlllO lilt .JlIlliClbIt llm," o/lnluI,IIC' plOI/lded by \hI,
CQ\-e"" 'OIm.
" OtlHle a.mov.1
(II W. will PiY yOU! lI",n... (Q ,,11\01" d.b!l' 01 CC:Wtltd ''''Pflty (ll/ttd by 01 l..ull'''l'IQm
'Ay 0I1ht COVtltd C.UttI oIlo.. M ""\if du/lII,lh. poliq PfliOd. Tilt ..",n... will be
plld (lII1y 1I1l1fy .It Itpol'ttd to u' In WI "'''I wllhln I 00 diY' 01 lilt d... 01 dlltel phytlC.1
....',
(11 (II Th4I moll w. will /lfy \/"., 1111. (""..... h""IIQl1I" .IIy 011. O((ull''''' I. H~ .,/:
(II lilt ifIIqu!lt "'. fN'IlQI dil"l phyW'.1 'lotI' 10 ClI\'tled "optltyl plu.
(Ib fllt ""utllli!t 11I1/11. ("",,,.. '18'" 1",~.bIt to ,,,,. 'lote',
fill' >>"'4 dtiltt ft(lI II\(,f._ 'lIy .Pfl!l(.l1lt ltm." Q/ IAWI""" plQ\'ldtd by 11\.. CQ\'~'"
rf/llm.
(_, 'u<<" 'lfNtI
lIJ ''"' Il/ffl ,J 4/lftl fI/'lflJl.,I',..,1I'Ii ""'''If """",,11 ,.."',.... ..(""'. 1M
!/lfllUifMIl ,"'", fA '''''''''''('; fii/
{ltj r.... 0.1#" "l!II;I!<iI..~/I'" ..{..... ,''- '1!Il!iil"f P*y,""Ij/ldfl1 Ut. n~ k/llUU(>I'I
.n ...~.C!,(iit; III 1.1 ,teI:.v';
W. ..,I' ~.;'. "Ii Ii' ij(' .."H~...41 ~4\ ...1 I.!! .,..,11111."""..... Ill.,., r_ '.WP/flllil/.
'''' hlfIt
,.lt14Ui'lj
c. War and Mllllary "tllon
(1) War. Indudl"S undetlaled or clv,l war:
(~) W.rlik. at lion by. military lor", Includin, "lion In hl"derln, or d.l.ndln, _,alnel.n ,clu,1
or .~ptcted .It.1ck, by any ,ov.rnm.nt. 10vII.lgn or other aulhortty ulln, mlll(.,y pe,.onn.1
or olher .genll; or
(J) lnlurrecllon, rebellion, revolutiOn ulurped power or "tlon uken by pernm,n"l 'Ulhorll'f In
hinder '"' or del.ndlng.,alnll.ny 01 th....
d. OrdlnAnc. or law
Th. ,nlor"m.nl 01 .ny ordln.nc, or 1.'11':
(1) R"ulalln. th, conllrucllon, 1,1.. or repllr 01 any properly: or
(3) ReqUllln. the ''''inJ down 01 .ny properly, In(ludln, th, COIl 01 rtmovln,lu d,blil.
.. Waler
(1) flood. lurl.c. wiler. Way". lid...lldil w.y.., ov"now 01 any body 01 W'''', OIlh.', Ipt.y,
.11 wll'lh.. drov.n by wind or nOli
(3) Mudelid. or mud/low:
(3) W'1er whICh backe up Irom . _.. or drain: 01
(4) Wiler und.r th. Found lurf.C' p'..I'", on, Ofllowl", 0' e"pin,lhrouthl
(.) found.tlOIIe. w.lle, 1100/1 or potyed Il,Irl"..;
lb) ....m.nU. whecher p'ved or notl or
(e) 00011. wIndOW' or other open."le,
lul w. w,1l pot I' 101 dllKl 'lot" (luMd by r"ukl", lire or ..pIotion.
Thle (.cluelOn dC* not .pply 10 property ,n 11,111'1.
10 (anh Mcm""".
My filth mov,""nt other Ih.n 'elll~holt colI. pt.'. luch II .n ..nhqu.~..lIl1dtlldt. "'""
IUbtld.IIC.. 01 ..rlh \Inkl".. /ltI"IOIlhdlln..
luc w. will pot I' Jar dllft1 'Iote' (lUled by "11,1111/1' III' 01 ..plotlO/l.
nile (I( IUlloII dQft "1)1 .pply 10 pro)pe'~ ,n 1/'"\11.
J. W. w,I' /ItA /UY JOI . 'Int,' UII...' by.,r '''111111'' /to," .ny rJI t/I<f IQl!owI",!
.. ~,y, fOtt (II U"'. 'I>>I Q/ milk" 01 '"I' Qlt\fl CO"If'1Ii9I1ll,I /,)\1.
b. "'~ "It "" 1'011. '''1'''''' ,1M w~" 'I' ,,,,.,N '1' l'" IH9fl"II'y. 1'0111 01 t/ItI. f/ftf/lQrr... 01
1I/lN)"IW '.fII...."I.iIl'... 0' "WIII' .11.. "'lIV",,,I..'IA ,,.. pt(i~f';. ..httNI t,;( """ "II", j~"
Iii !" (,~II"'''ILI. '-.JA iltlitf' ,..'t,l,ji, :~ (\1"1"4 Ltwl". "'1~!4I,.4 ."'~mln'"t
I",t ItIol\ I \..li~i!H.I!j., wit l-l14 ,.~"pl\' I~,l ... i.-41l illt h., kllf
,... , III .
II' I.ln~ 'I '1\
O. Dr<lulUbl.
W. will nol pav fo, "0'" ,n any on. oc,ulI.nc. unllllhe amounl of Ih. adlulled 'Ion' ..eud'lh,
Deductlbl. amounl,llO,",o '" Ih.. Coverage fo'"' D.darallonl. W. w,lIlh.n pay lh. amounl of lh.
.dju,lto 'Iou' In ..c." 0/ lh" D.llull,ble. up 10 lh, applicable l"',,1 of 100urance.
E. AdditionAl Condlllo"'
Th, follo,..n, cond,tlon, apply ,n addition 10 Ih. Commt/C,allnland Marin. Condlllo", and Common
Policy Cond,tionl:
I. Cuv"'I' Tmlla!)'
Th, Covtlal' T'HIlO'Y II:
(I) Th, UM,d SIal" 01 A.m,"ca; and
(bl Canada.
:l. V,lu,Ilon
Th, Valuallon condlllon conlalned in the Com"ltf(iallnland Mal'n, Condition. Ie rtpla"d by lh,
lollowln,:
Th, va Ill' 01 Covtr.d Pro~rly w,1I be Ih. full (01110 "pia" Ih, propelly wllh eubltJnli.lly Id,nllcal
new plDp.ny wllhOllI .ny dtdU(lIon for d,p",,,"on. Oil. ",ym.nl will nO! be mort Ih.n Ih, aclu.1
COtllO r,pa" 01 ..pia" lh, ploperly 1001h, I.m, occupancy 01 Ult. HOWflltl, 4 nO! rtpalltd 01
"plactd wllhin. ItliOnabl' um, .ft" '10"', lh. properly woll be valll,d all\l a(lu.1 ellh v.lll'.
In lh, fII,nl O/'Ion'. lh, v.lu' o/lh, p'o~"y w,1I be dtltrmlntd ae 0I1h,lIm, 0/.10....
J. CoIlltur.nlt
All Cov,red "operl'l mUll be ,nlu..d for 11IIoul ..",el,d valu, .e o/Ih, d.l, 01 compl.tlon 01 you
will 1/1(", . pen.lty In Ih, fII,nl 01 .Iou'.
lilt pen.llY lelh,l w, ""II pay only Ih, pt)l\lon oI.ny 'I",e' Ihlllh, limll oIlnlur.nce ,hown In !.hIe
COII"'P 'orm Ot<I"allon, fOllh, plOlIKI I'It be"elo lh, 101,1 "p<<ltd v.lu' allh, protlKl IIIt.1
o/Ih, d." 01 compl,".,n.
lhle condlllon dOf1 nOl.pply 10 PHl""\) In l"nl,1 0110 ,h, Cov.ra., hl,nllOnl.
.. Option 1ft lhe h,"1 oI'lllt"
In lilt fII,nl 01 'lot,' "" "av' lh, opl",n I" I.k, .11 01 .ny pall o/lhe properly .I.n 'Slted Of
.ppI.i..... v.lue. \'II. ...,If "" ~Q\j "(>I,,, oI,)I,j/ ,nl'l\llOnl wllhln 10 d'YI .fl" WI ItCelVelllt !Will"
llIt,mfN 01 'Iote'.
.. 111I,.1"'''"1 01 .IKII~'" .'Ihl'
" by '''Y i41 ." l'f"",,,"1 1/1'" , 'I",,' ~QlI ,mpj" iM 11""10 ItCOI-II "0m 00.," IlIltIe'Q1lh, '\fit,'.
\v. \VIII I!(JI JHY ~QlI 'QI '''.1 .kIt.'. 'It ,'" ~,,,,,.lI .'" ......, you \A',II'mmtdi<ll.tl1 IIl.loe <I"'" '"
>Villi'" 'I'l"" '''Y r~"', pal'" 11011 10..0 (1l1/J)(JY fA '''' plOpllroy.
,... · .., II
lJ (Milt 1'''0
IN TilE COUll'f en' COHMON 1't.I:Ml
OF CUMII~IlI.ANlJ COUNTY,
P/!;NN6Y1.VANIA
CIVIL ACTION . LAW
No 95-75 Civil
11:, l I ~ J "i '95
EVERETT CASIt tlUTUAL
INSURANCE COMPANy
va,
OENEllAL ACCIDENT INSURANCE
COtlPANV OF AMERICA
ANSWKR AND HEW MATT!!:"
.~- -- -
I"'Vllllll
DtAUY, You, Du.... A !iWAIII.IANN
VU"flM4IUt "U"
YOIII, 1'4UI/UWAI/'A ""01
EVERETT CAIH MUTUAL
INSURANCE COMPANY,
plaintiff
. IN THI COUIlT or COMMON 'LW or
. CUMllftLAND COUNTY, 'INNIYLVANIA
.
I
. NO. 91-" CIVIL TIRM
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v,
GENERAL ACCIOINT INIURANCI
COMPANY or AMERICA,
Defendant
8!tLY
AND NOW, 00... the plaintiff, Ev.rltt C.an "\ltull Inaurlne,
company, by It. attorn.ya, rowl.r, Add,.., Ih\lQh.rt . aundl., Ind
mak.. the follovlnv r.ply to the delendant'. Inlver w1th AlW
matter.
1, Thl oonol\l.lon of llw 1. d.nltd.
3. Thl oonolu.lon 01 llw 1. d.nled.
3. D.nl.d, Th. 10" va. Ol\lled by the ve19ht ., .now Ind
lei ,. '11'V.d In thl co.plllnt,
4-., Admitted.
" Th. oonol\l.lon 0' l'W 1. denied,
WIIIRIFOMl, the plllntif' ,.q\l"'" UI' AI" ..Un ..
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PRBTRIAL CONFBRBNCB ORpBR
CASK NAMS I t'J'tfUJ I III '. h ~ 'I r',AI. I.' 1';". t'i), Y ..4H I "If d. ",:" t1 J 1,1 r'ji'!
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V. Statu. or S.ttl...nt N'Qot1ation.
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II,
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IV.
pretrial conference/pata
A. Date - \1-\lfl1:"~
0, Judge - ,,\..,.
C. Attorn.y./parti..
f't. ""(1",,, A. ~.~L~"i f~"b'
\k\. p..~}ld a "oJ,fol!'l't...-'
D '''' J (.2.. C'-f~1!1 . h b'
NAture of Cal8 1 I I. .
A. Cau.. of Aotion ~1\''''J bJ li~I,..~I,O/l ~.1 .~It ,,-,.0.'" (_
"'j).d' . lot /Jj ...\I...r . .&. .10. ""I ."it ..) f'*f")'
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JUfY Honju \ \I,....... hit i'...... t (, I, '
'efOIll ....111I'1 I r '- I t. ..~J, I" "(" -"
.lt1mate ot Duration" I'.", ,r;.,.., ,q~'"''J''' t..t..r I. f.,.,
Availabil1ty ot Coun..l .. r tJ t.'f.l~" "1.,, . 'l.j floft/P.
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lYIMrTT CA'" MVTUA~ INIURANCI I
COM'AHY. I
'lalnt111 I
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IN T"I COUMT 0' COMMON PLIAI
0' CUM.IRLAND COUNTY
NO, ,'-11 CIVIL TIJM
OINlKAL ACCIOIHT IN.VRAHCI
COM'AHY 0' AHIIUCA,
Oal.neI.nt
lubttlUH lJYI
.n~nIlDDI '01 "1-tJJ~L ~"'*'.
OOnald ., lIoyt. I.qulrt
.upr.., Court 1.0. I\,oa\
DaY1d ., C..pb.ll. I.qulr.
.upr... court I,D. 11142.
coun..\ for the D.,.nd.ne
'~IV. YOIT. 'U" . 'CKAUMANM
\1 la.t Mark.t 'tr..t
Vork.'A \140\
(1\1) .41-)4'14
I. HAnMlI'f or ,ACt.
On J.nuary }. \t", ,l.lntl" Iy.r.tt c.,n Mu,~.l In.ur.no.
Coa,lny (-lv.r.tt Ca.n Mutu.l-) 111.d . co.pl.lnt ..t1nt' O.n.r.l
MOld'''' In,lln"". cOlpany 0' A.a.r'oa (-o.nu.l AHld.n'-) for
oontrlpy'lon. Iv.rett ca.h Mutual .11.... tntt l' v.. foro.d to
plV In. .n'lr. laQun' QI . lQ.. 011,.14 Dy tvo ho..own,r. It
Lnlu,~, or. ThQ..' p.~l\nq .m. DORn. D~llnQ l-o.qllnq.-). wh.n
\h." ~ IU""~ al..q. fro. lQ' .nd .now. Iv.r." c..h Mutu.l
.11.... tnt, O.n.r.' AgO'a.nt '..u.a .n '".ur,noa ,olloy to th.
@ontf'@'~r ~ftQ ... ~llalnq th. O~l'nq.' no.. whloft al.o Goyar.a
tn. ,.... 1n4 thw. .ll~" tn.t a.n.re' A~Q'4."t Ie 1'1.1. to
Ivar." c.ln ~tY.l fgr cgntr'~~'lun.
,l.lnti,' ~Y.r.t' ca.n "~ty.' l..~.a . h~"QWn'f.' lneurlng,
pg".Y \@ tht ~~l'~. wh'~h prgV,a.a ~Y'fIQ' 'Of 'h. ho.. they
Wlfa ~Y&~ ~n'\fY~'~ It "I We" "_rl4" Prlv., e.rll.la.
Otl.~n' 4.~r'1 A~u.a.", pfUV'a~ ,".y,.~. uuv'r.~' to thl
""UMt(ilf t\in4 Yy U;4 li~U"'f' t9 ~Ha th. M~", WAfn.r K"....
(nR. '-W4r~f H#..,~I. V&. I ~"a.r'l ,&.- ,@l&@y.
IVlf." C.lh ~I'~~l .ll~a' '~l, OR ".f~ry '&. ".., the
~U"'f.' MM w... 44~.a trt lh. w"If"' Ii' I/'IW I"" &1,11, ln ,,..
44~
aDlount at '79,U",U, Ev.rett Cuh Hutud paid the D.qUnq.' olaim
in tUll, minu. the D.qlinq.' ''''0,00 d.duotlbl., th.n .ouqht
contrlbutlon trom a.n.ral Accld.nt,
a.n.ral Aocid.nt ha. r.tu..d to pay any part ot the 10'., on
the ba.l. that the 10.. wa. .xolud.d trom It. cov.raq. ot the
contractor, Warn.r 110m.., b.cau.. lt wa. cau..d by the d.tiol.nt
d..lqn and d.t.atlv. con.tructlon ot Warn.r 110m.., a.n.ral
Accld.nt', bul1d.r" rl.k polley In.urlnq Warn.r 1I0ml, Ixclud.. all
ot the to110winql
(a) 10.. cau..d by "[.)rror, oml..lon or dltloi.noy ln d..lqn
or 'plcitication." (a.nlral Accid.nt Polley, S.ction 8(3)('))1
(b) 10" cau..d by "[t)aulty, inad.quat. or d.t.ctiv.
.at.rlal. or workman.hlp" (a.n.ral Acoid.nt Polley, Slotlon
D(:J)(a)) 1 and
(0) 10.. r..ultlnq trom "(d)l.hon..t aot. by [Warn.r 110m..)"
(aln.ral Accid.nt POlioy, S.ctlon 0(") (b)).
EVlr.tt Ca.h Mutual th.n til.d thi. Complaint .I.klnq
contribution, on January :S, 199'.
DL.cov.ry ha. con.i.t.d ot wrltt.n intlrroqatorl.. propound.d
by Ev.r.tt Ca.h Mutual upon a.n.ral Acoid.nt, tollow.d by wrlttln
Lnt.rroqatori.. and a raqu"t tor productlon ot docum.nt.
propound.d by a.n.ral Accld.nt upon Ev.rltt Ca.h Mutual,
Ev.rltt Ca.h Mutual r..pond.d to a.n.ral Accld.nt', di.cov.ry
r.qu..t. in Octobar, 1'95, Ev.r.tt Ca.h Mutual" r..pon.. lncluded
..rvLc. ot a copy ot a praecip. to li.t thi. ca.. tor trial.
On Dlc.mb.r 1", lV", attar r.vi.win9 the dL.oov.ry
Lntormation produced by Evar.tt Ca.h Mutual, a.n.ral Accid.nt tiled
a aotion for .ummary judq..nt, a11'9Lnq that the plaintift taL led
to al1.ql, and cannot prov., the tact. n.c....ry to .tat. . cau..
ot aotion aqaln.t aan.rai Acoident tor contribution, That motion
L. ourrantly p.ndLnq b.tor. the court.
II. .TAflMlwr or I..UII
A, II TItE LOU INCURJUD 1'1 TilE DEaLINO. ON rEOAUARY 11.
19'4, A TYPE 0' LO'. TI~T II EXCLUDED 'ROM COVERAGE DY
THE IllPMEII TIt'Otl, or Till allfERAL ACCIDENT POLICY?
., Ul TltE IVENT TIlAT Till QINtllAL ACCIDENT 'OLICY DOEll /lOT
EXCLUDE TilE DIOl-1HOll' LOU rMOIt COVIIlAOI, DOU Till
COVERAOE IY Till OllfEIlAL ACCIDElfT AlfD tvlllETT CAIU MUTUAL
'OLICIE. OVIR~' IN Till HAlfNIR NICII'A~Y TO CMEATI ~ DUTY
or CQHTMIDUTIOH?
a
~AM<NI"
C, IN TilE EVENT TIlAT TilE GENERAL ACCIDENT POLICY DOES NOT
EXCLUDE THE DEGLINGS' LOSS FROM COVERAGE, DIU 'VERETT
CASII MUTUAL FAIL TO PROPERLY MITIGATE ITS DAMAGES?
UI, .UJOWlY or UOUMINT
A, T.. OI...1IAL ACCIDIIlT 'OLICY IICLUllIf TII Lo.. PlOM COVIUIAO.,
Th. term. ot the build.r" rl.k polley l"u.d to Warn.r 110m..
by a.n.ral Accld.nt .xpr...ly .xclud. lc.... cau..d by d.ficl.nt
d..19n and d.r.ctlv. workman.hip. Cen.ral Acoldent'. polley
.xcludl. all or the tollowlnql
(al 10.. cau..d by "("rror, oml..10n or deriol.noy ln de.19n
or ,plolflcation." (a.neral Acold.nt POlicy, S.ctlon B(21 (.,)/
(bl 10.. caulld by "( r laul ty, lnadaquah or detect! v.
lIat.r1a1a or work.an.hip" (aen.ral Aocldent Polioy, ..otlon
Ip)(alll and
lei 10.. r..ultlnq from "(d) 1.hon..t aot. by (Warn.r 110m..)"
aln.ral Aoold.nt Polley, s.otion B(a) (b)),
Thl Plalntifr all.q.e that the D'91in9" 10'. wa. oau.ed by
the wl19ht of .now and io. pUlhlnq on thl root of thl unrlnilh.d
hO.I. If the Plaintlfr'. all'9ation i. acc.ptld, the .xolu.ion.
dl,cu"ld lmm.diat.ly above would not be applicable.
How.v.r, Glneral Acoid.nt cont.nd. that the D'911n9" all'9ld
10.1 wa. oau.ld by the poor work.an.hip and d..iQn of It. 1n.ur.d,
Warn.r Ho.e'l and thuI, that the 10.. 1. .xclud.d rroll covlraQ"
Thl. oontlnt on i. .upportld by'
(a) thl March I, 1994, r.port ot luq.ne J. Autiero, a
.tructural In91n,lr hlr.d by the 0Iql1nQ', wh1ch l1.tl thr..
pa91' ot .xampl.. ot poor workman.hip and dl.19nl
(b) thl rlcord.d .tat...nt .ade by Dr, Thoma. 01911n9 to
IVlrltt ca.h Mutull', adjult.r, Whlch id.ntltll. nu..rou.
.x..pl.. of poor workman'h1p, d.t.ctlvl dl.19n, and
.l.rlpr..lntatlonl and
(0) th. .worn .tata..nt in Proof of Lo.. orlq1nally .ubmlttla
to Iv.rltt c..h Mutual by thl 019l1n91, which .tat.. that
"(tlhl cau'l and orlqln ot the .ald io.. WIre, we1qht or 10e
an~ .now and poor workmanahlp, materlala, de.lqn or
,plolflcatlon." ('worn Itatement in 'root of Lo.a, May 16,
llt41.
It 1. Oen.ral Accldent'. po.ltlon thlt th.re 1. a plethora ot
evld.nce thlt will .upport . findlnq thet the O.qllnqa' 10'. wal
l
4"4'.....
caused by poor work~an,hlp and du,lqn. And thUI 11 IWQlUded frQm
coveraqe.
B, TI. COYIItAO. or 'fl' 'OLICII. Dol. IIOT OVllur III n.
IWIWIIl IIICIIIUY TO CIlIAT' A DUTy or COtITI""'IOJI,
For an Inlurer to b. entltl.d to oontribution rrom 'nother
in.ur.r, the poliei.. ln qu..tion IUlt In.ur. the .... property,
the .ame Inter..t, and the .a.e type or ri.k. Hllllon HIC, IAI.
, 70a r,'upp. 'U, 1140 (1.0,'..
1989) (cjt ng , .14 ,.'upp.
486,487 (I.D.PI. 1"1), Itt tmla, 6'1 r.aa 10. Ilr eir, l'I~'.
whil. the pOlioi" 1.,u.d by Iv.r.tt c..n Hutual .nd aener.l
Aooldent in.ur. the e... property, th.y do not In.ur. the ....
lnt.r..t, Tne polloy 1..ue4 by tv.rett C..h Hutu.l in.ur.. thl
01al1n9' a. ~Q~lown.r.. Th' pOlicy i..u.d by a.n.ral Aocldent
in.ur.. Warn.r Hom,. a. a bu1}41na gQn'tlQ~~(. Thu., tht pollol..
In.ure differ.nt in.ur.d. who have dlrt.rent int.r..t. in the
In.ur.d property.
B.oau.. the In.urane. pOlloi.. do not in.ur. th_ .... lnt.r..t
ln the 01911nq.' ho.., Iv.r.tt Ca.h Hutual Wl11 b. un,bl. to PfQVI
the raeta that Ir. n.c....ry to .t.te . g.u.. ot .otion .,aln.t
a.n.ral Aaoid.nt ror oontribution. Ie. tUnion HIl;",IDl.Lf.:Q".
.upr., ,.1ianc. In.. Co~, 'Uptl,
O.n.ral Aooid.nt'. pOlition 1. thlt thl. "0004 1.lue Qynlllt.
.01l1y ot a ..ttn or llv rlvorin9 a.naul "ooldlnt, and oln IN
r..olv.d th"ouqh it. .otion for .u..,ry jU4,..nt,
c. lVIun CA" NII'l'VAIo 'AILllt to 'lOr....' tU''''Aft .ft GA.""''''
Th. a.ount or d...". Ev.r.tt cI.n HutUIl ,.ld 41d not ,.l,1V
co.p.n..te the 0'91i09a, but lnlt..d 1"voLV14 Dett.raen'. whlgh le
not . proper ....ur. of d,..q...
IV. 11'1'11.....
O~. Thol.. O.,linq, ovn.r of the haY" uo4ef OO""JY@'lon. tQ
t..tify r"lrdinq hi. inaurlno. gova,... ,04 'hI nl'Yf' gt in.
d..,V* to the houae,
Willi.. Plu...r, ol.i.a ..nl'" for O,n"ll 4ue14enl. t@
t..tity "I..rdinq 0'"'1'11 Aoold."t', In.uflno. @4V'fl~',
Ortqq A. ".yerl, l".ur.nce '4'U"'f tQf &V'J.'l CI.R "u'~lf
to '..tlfY r~.ralnq the n.tur. Qr tn. 41~f' \@ .~ h~ul'.
..
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v.
I IN 'I'llI': COUnT Of' COMMON PLEAS 01"
I CUMPERLAND COUNTY, PENNSYLVANIA
I
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I NO, 05-75 CIVIL TERM
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EVERETT CASII HUTUAL
INSURANCE COMPANY,
Plaintiff
OENERAI, ACCIOENT INSURAtlCr;
COMPANY or AMERICA,
Oetendant
r~l~Tlfr'8 ~n~Tijl~L HE~QUANPVM
1. lbCTQI PlaIntIff Everett Calh Mutual InlurAnC8 compAny
luued A homeowner" policy to Thomlll and Donna OeQllnq to
provlde aoveraQe for thelr new home Includlnq the tlm. It w..
under aonetruotlon by Warner lIom.e, Jno. Oen.ral Aooldent l.eued
a buIlder. rlek polley to Warnor Horn.. whIch al.o provIded
COVeraqe, On rebruary 11, 1~~4, the .tructur. we. dam.Qed In the
amount of '70,66~.15 by the welQht of .now And Ice, The 10.. w.,
coverea unaer both polloI.., Everett Ca.h Mutual pald the .ntl~e
loe. beaauee aenerel Acoldent refu..d to partlo1pate In the
..ttlem.nt,
~. QAHAalal PlaIntiff olaIm. damaq.. for ~o, or the 10",
"e. '39,11)1.07,
), Wllllt
A, Whether the polloI.. are of eqUAl priority,
D. Whether the pl.lntlff w.. .ntitlea to oontrlbutlQn,
4,
CYlDlt.fCJ: t
ttl'1'ttUUJl ,
ND problem" Ar. Antl~lp4t.d.
Thgm4~ ~. ~.~Iln~, U.M.U.
dr'Qury A. MY.f., ad'yet.,
Art J~hn.Qn Qf ~.t.T., 4ppr41..r
a.n. J. ^ytI~ro, y,~.
Myth A. Mar~~~l, C'Cu,
I,
B'Il~
supre~e court 1.0, No.0626'
2S south Pitt street
P,O. Bale 20S
Carlialo, VA 17013
(717) 249-8300
Attorneya tor plaintltr
6.
Everett c..h Mutual in.uranea polloy
aoneral Accident tneurance polioy
contract between Deqllnqe and Warner Homoe
R.E.T. eatim.tee
a. A. Myere "explanation ot pay~ent"
proof of 10811.
7, arfTLE~ENT N~OOTtATl2tlal The defendant hae oftered
~Xln81TSl
$U,19S,!lO,
FOWLER, ^DDAKS, SIlUallART , RUNDLE
Oltel Dec.~ber 31, 199!l
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JIIIUTT CAIN MUTUAL IN'UAAHCI I
CON'AtfY, I
PlaintUf I
,
V. I
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IN T"t COURT or COMMON PLEA'
0' CUHDlRLAND COUNTY
NO, IS-71 CIVIL TERM
OCN,,,,, ACCIDIHT IN.VRANCJ.
COMrANY 0' AHlltlCA,
o.r.ndant
'lI_tnN bVI
M~.~", rQlr"~'.I\L QQlr.."al
Donald ., Hoyt. I'qulr.
III,r... Court I,D. 118061
Otv14 M, C..pb.ll, I.qulr.
'up,... Court 1.0, Il,.,.
Count.l for the D".ndant
.LAXIY, YOIT. IU" , 'CHAUHANN
17 "at Hlrk.t Itr..,
YOrl,,'A 11401
(717) .41-)174
I. m.,...., 0' rMr.
On J'~fV 1, ."., ,l.tntt" tv.r.tt Ca.h Mutual Inlur.noe
C....nV (-rv'f.tt c..n _"tU.1N, 'll.d a Coeplalnt a~.inlt O.n.r.l
A~14ln' lnauf'~e evep.nv of Aa.rtoa C.O.n.ral Aooldent.) tor
~n'flpytl@n, IV'tet, C..n "u'uIl .ll.q.. that it wa. toro.d to
YIY tn. .n'ir. laQunt of . 1u,. Pllt"d br two ho..own.r. it
o.lIrl4, Or. ThQ..I f~~llnq Ind ponn. D'Q t"9 (NO'QlinQIN), wh.n
th'lr ~.. 'U.t.ln~i a.a4Q' 'fU. te. and _now. lv.r.tt c..h HutuIl
....... that O~ft.r.l A~@lq."t tl.Y'~ In lnluranel pol lev to the
~nlf.Q'Qr wn@ w.. ~~'lq'~ th, o.qllnq., no.. whloh 1100 coverea
th. .~" An4 thY, .'i.~..tn.' gonofll Accld.nt 10 ltlbl. to
fV.f." C..n Hyty". '~f ~~n'fl~"~n.
rl.lntlft tv.rett C_*h "ytuAl 1'ly04 . ho..ovn.r.' in.uranoa
~il~f hi tn. v.ullf!i;f' "tHtln J'f(ivldtl4 Qov.uq. for the ho.. they
WI'. ~V.~ ~n.t,rijvt.a ., l~l w..t "ar.on Drlve, C.rlt.la,
~t'~"l G'~f.1 A~~14.n' prQvia.a tnMur.nol oov.r.q. to the
~ffnh~',,"1" MrM JlY ,~ ~Hf!if. tQ WUd Hut nou.., Nuner 110.",
I~. <<~W4fn.f ~~,-" vl, . wlld.", rl.. p~lIQY.
fv.,." c.,~ ~'~l .ll~.. tn.', on '.~ru.ry ll! 1"., t~
P<t~HtIf#.' MM nil 1M~4t4 lIy .11. wolih' of .~ AM U1., in t~
"~
amount of '79,663.15. Everett Caeh Mutual paid the 089linge' clalm
in tull, minu, the Oe91in9" '350,00 deductible, then eought
contribution trom aeneral Aocident,
alneral Aooident hae retueed to pay any part ot the 10.., on
the ba.i. that the lo.e wa. exoluded from it. coverage ot the
contractor, Warner Home., beeau.e it wa. cau.ed by the deficient
d..i9n and detectlve con.tructlcn ot Warner tlom... aeneral
Aocident'. builder'. riek polioy in.urinq Warner 1I0me. exclude. all
of the tollowinQl
(a) 10.' cau.ed by "(e]rror, oml..ion or detioiency in de.iqn
or .peoiticatione" (aeneral Accident POlicy, Slction D(3)(e))/
(b) 10.. oau.ed by "(t]aulty, inad.quate or det.ctive
.ateriale or workman.hip" (aeneral Accldent Polioy, Section
B(3)(a)) / and
(0) 10.. u.ultlnt;i trom "(d]i.hon..t aot. by (Warner tlome.]"
(aeneral Acoident policy, deotion B(3)(b)),
Everett Caeh Hutual then til.a thi. complaint .eeking
ocntribution, on January J, 199',
oi.oovery ha. con.i.ted ot written interrogatorie. propounded
by Iv.rett Ca.h Mutual upon a.n.ral Acoident, tollow.d by written
interrogator i.. and a requ..t tor produotion ot docum.nt.
propound.d by aen.ral Aocident upon Everett Ca.h Hutual,
Everett Ca.h Hutu.l re.ponded to aen.ral Aocid.nt'. di.cov.ry
requ..t. in October, 199'. tyerett Ca.h Mutu.l'. reepon.e inolud.d
eervice ot a copy ot a pre.cip. to liet thi. oa.e tor trial.
On Oeoember la, 1995, etter r.vi.wlng tho di.oov.ry
intormation produced by Everett Ceeh Mutual, aeneral Aocid.nt tll.d
I motion tor .ummary judgm.nt, alleglnq thet the Plalntift tall.d
to Illeq., and olnnot prov., the tectl n.o....ry to .tlt. a c.u.e
ot aotion Iqain.t a.neral Aooid.nt tor oontribution, That motion
i. ourrently pendinq before the court,
II, IIATININt or IIIUI.
A. us Tltf: LOIIIl INCUIU(EO ItY TilE Ot:aLINOa ON nfSRUARY 1\,
19114, A TYPE or LOIIII TIIAT III I:XCLUOl1:0 rltOM COVERAQIC bY
TilE Jl:XI'ItUII TtlcJ4t1 or Tllt'l Ot:Nr:ItAL ACCIDI:NT POLICY?
I. IN TItIC EVENT TIIAT Tilt: Ot:Nr.MAL ACCIPI:NT rOLICY DOU NOT
IXCLUOt'l THE DI:OLINOIl' LOU '!tOM COVI:ItAOI, DOES TItE
COVt:1tA01: bY THt: aI:Ht:ItAL ACCIDt:HT AND EVEMtTT CASH MUTUAL
POLICll. OVERLAI' IN THI: MANNt:R NECEISARY TO CREATE A DUTY
or CONTRlbUTION1
1-
UMNI..
c, IN THE EVENT TIIAT TilE GENERAl, ACClllENT POLICY 001,:0 NOT
EXCLUDE TilE DEOLINGS' LOSS mOM COVERAGE, 01 D IWERE1'T
CASH MUTUAL FAIL TO PIlOPEllI,Y MITIGATE ITIl OAMAGEfl1
III, IUMMARY or AROUNINT
A. T.. OINlIIAL ACCIDINT POLICY IICLUDII T.. Loll FllOM COVIUO.,
The terme ot the builder'. ri.k policy i..ued to Warner Home.
by General Accident expre..ly exclude 101.e. cau.ed by detiolent
de. ion and detective workman.hip. aeneral Acoldent'. policy
exclude. allot the tollowingl
(a) 10.. oaueed by "(eJrror, omi..ion or deticieney in d..1Qn
or .peoitioation." (Ooneral Acoident Polloy, seotlon 8(2)(.))1
(b) 10.. caused by "(t)ftulty, Inadequate or det.otlv.
materiale or workman.hip" (Oeneral Acoident polley, ..eotion
B(3)(a))1 and
(0) 10.. r.eult1nlJ trom "(dJlIhon..t aot. by (Warner 1I0",e.)"
(o.neral Aooident polioy, section B(2)(b)).
The Plainti!t allege. that the 01911no.' 10.. wa. cauald by
the weight ot .now and ice pU.hing on thl root ot the untinl.hed
ho.e, It the Plaintitt'e alleoation i. acoeptea, the exclu.lon.
di.cu,.ed immediately above would not be applicable,
However, aenural Acoident contend. that the D8g11no.' all.Qea
10.. wa. cau.ed by the poor workman.hip and de.i\Jn ot it. In.ur.a,
Warn.r 1I0.e., and thu., that the 10'. i. .xcluded tro. coveraQ..
Thi. contention i. lupported bYI
(a) the March I, 1994, report or Eugene J. Autiero, a
Itruotural en9ineer hired by the oe91inql, which liet. thr.e
pege' ot .xa.pl.. ot poor workman.hlp and dl.1onl
(b) the r.cord.d ,tatement .adl by Dr. Thoma. peolino to
Everett Ca.h Mutual'. adju.t.r, which ldlntltl.. numlrOU'
Ix..ple. ot poor workman,hlp, d.r.atiYI d..lqn, and
al.repre.lntatlonl and
(0) the 'WOrn Statement In Proot ot t~.. orlQlnallv lubMltt.a
to Ev.rett Ca.n "utual by the 01911n91, whlch etat.. that
"(t)he oau.. and orlgln or the ..Id 10.. wire. wllQht of 10.
Ind ,now and poor workman.hlp, ..terlall, d.llqn or
.p.olrloatlon." (~worn Itatemlnt In Proof of ~'" HIV 1_,
1994) .
It il O.neral Acoldent'. pOlltlon that thaf' 1. . plathof. of
.vldenc. that will lupport a tlndlnq that the 0.911"91' 10" WI'
l
UM"'''
(JAU..a by poor workmall.hlp Alld tI..1IJII, ftlllt thUll 10 olwludod from
(loyerlt"'..
10 'II OOY'aMI or 'fl' JoLICI.. 0011 1I0T OVULAr IN TI.
MAInIII "In..uv TO CU"" A l>U'rv or CONTIIIIUTION,
ror .n lnlur.r to b. .ntltled to contribution trom anoth.r
In.ur.r, the polloi.. In qu..tlon mu.t In.ur. the ..me prop.rty,
the .... lnter..t, .nd the ...e type or rlak. Hi..ion Hat, IV..
~~~~~fOi:rliX--lnl~Q4' 102 ,.IUpp. '43, ~4' (I.D.Pa.
ItI9)(utttnQ , ' A~' lVI, CQ.,~~t4t. In~lm. CQ4' '14 r.8upp.
416, 411 (&.D.I'.. 11181), lIt!lrmld, 6111 t',:ld 808 (lra elr, 1982),
While the polloi.. la.uea by Iv.r.tt ca.h Mutual and a.n.ral
Aoold.nt In.ut. the .... property, th.y do not In.ure the .ame
Intere.t, The policy l.eued by tv.r.tt C..h Mutual In.ure. the
uulinu .. t!OUllWMU' The (lQlIoy lUlled by aeneta 1 Aocldent
in.ut.. WI(D.[ UOT" .. . ~dlng~~n$tAQ~. Thu., the polloi..
In.ure dirterent nlured. who h.v. dltt.rent lntere.t. In the
lnlurld prop.rty,
'.oAU'. the Inaurano. polloie. do not In.ur. the a.m. int.reet
In the De,llnQ" hO.., Iver.tt c.ah Mutual will b. un.ble to prove
the f.ot. th.t .r. n.o....ry to .t.te I o.u.e at Ictlon 1911n.t
aeneral Aeolatn' 'or oontrlbutlon, ,.. KiaaiQp Nit. In.. ~a~,
.uprl' 'tll,~' In',~R., .upr.,
Oenl'll AOOla,nt" potltlon 1. thl' thl. ..cond ia.u. aon.llt.
,ol_ly of . .aU.r ot law flvorl"" Oentral Acald.nt, and "an be
,..olvl4 throU9h 1'. .otlon for lu...ry 1udq..nt.
O. '",un Cd. MVlVAIr '.....0 1'0 'IOPlU.' MltlClATI l'fl DAMAOII,
Tnt A.ount ot a'''9'' eVI,.tt C'lh Mutual paid did not falrlv
oOlpan,.'a the P.~ltWJI, but Inlt..d lnvolvea bltt.r..nt, ~hiah 1.
ng, . ,ro,.r ....yr. of a.'IU."
I'. .Ift.....
@f. Th@... ~llnq, ow~r of th. hou.. und.r aonatructlon, to
,..'ifY f.~.rdt",,'h'. In.ur.~. qoverlq' and thl nlture 0' thl
"I"" '" tn. hOUI',
Willi'. 'lu"-'. ~I.i.. aAn4Q" for O.n.rll Acold.nt, to
,..'lty f~.r4lwl Oe~r.l ~Q'd.nt'l in,yrlno. aov.r.qe.
~f~' A. ~,'f', lRtYflnQl .4'UI'I' for iv".tt Ca.n MutuIl,
to ,.,tlly f~.f4'~1 t~. nltur. of lh_ d4.1~. to the hou..,
~
44.......
V. IIHIIITI
aeneral Accident puilder'l Riek ineuranee policy, In.urin9 the
intere.t ot Warner Home., Inc.
Everett Ca.h Mutual Homeowner. In.uranee polley, !n.urln9 the
intere.t. at Dr. Thoma. 0191in9 and Donna Oe911n9.
The March 8, 1994. report at .truetural en9ineer EUgene J.
Autino,
The April 28, 1994, etatement at Dr. Thoma. Oe911n9 and Donna
019lin9 recorded by are99 A. Myere.
VI, CUaalNT ITATUI or IITTLSMINT NIGOTIATION8
There have buen no .etthment neqoUat1ona.
VII. MIla MAnia
Thl1 ca.e 1. non-jury, and the Oetendant reque.t. that the
court .chedule the trlal .peelallY only atter rulin9 on the motlon
tor lu.mary jUdq.ent,
Re.peattullY .ubmltted,
"tAU'l, 'lOIT, PUff" 8CIIAUKAlfH
~~
Oolm II. Hay, lure
....,-..
Iy, ~__S:-.e_c.-Q""'"
Dav R, c...pbell, a.quGi"'
.
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1'11''':1'1' CA'" MVl'UAL
IN.URANCI COM'AMY,
PI.1nUIt
I 1 J Ol.ltn
IN T"I CQUMT or COMMON PLEAI 0'
CUMBIRLAND COUNTY, PINNIYLVANIA
Y.
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CIVIL ACTION - tAW
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GINIML ACOIOIHT IIl'VIWfCI
COM'AMY or AMI.tlCA,
Oafana.ni
'6-76 CIVIL TIRM
. .
llLlIIl "1Im-lUAII WttUIIIGI
A pratri.l oonf.reno. w.. hald 1n thl oh..ber. of
J~. 01., on Nldnl.day, o..o..b.r 37, 1"0, In thl
'MV..".pUont4 0.... 'nunc on tllh'U of ,"lntUr wu
W1III.. A. Add,." Caqulr., 'r...nt on ~h.l' of the D.fendant
war. Donald I, Hoyt, Cequlre, ana ~v1d I, Ca.pbel1, I.qulr..
't II ."'lolp.tld th.t M" Hoyt will be th. trill ooun..l,
thill. .n .otlon for oontrlbutloA by on. Ineur.r
...Inai .AOth., .rl.l", out of thl p,y..nt of I 101. on . ho..
una'f @enairy",lon, On ratlfUI'Y 11, "'4, . hoY" owntd by
'1IIAtlff', 1n.urM .na bel", bYllt by O.I.naln". lnlufld
1"lt.lnt4 ..rloul .nov .nd 10. d...~.. ,lllntlff plld It.
lMYfM aMilt 110,000,00 tor tn. lou, ana o.r./idlnt tl.. nfu..4
t@ .... . ~n'fllqtloA f~f halt of th. f4V"At.
Ct41If.nl@81 IU' Hi UUlt tn. Jl{JH~V lllly.a P)'
Pff.A4In' ;0.. n@i @OV.f 'h. I~.., ~.ij" ~f In ..glu.lon tor
44~. ,..~I\I~ tf~~ ~f w@rkM4n.h'P/ Ii. ,~, In. 14Ift"'1 gf
'""f'" t~f~ ~'...fV 'Qf 'h. ~r.."~n ~f ~~A"t~'IQA ~.
~t ..1.1, .~ (1) ,~, ".lnllff ,.14 '~Q ~h, .~. nq\
.1.1~4'1~ I'. ~~~*~,
"IHIt "H' .. It t>@1i)ij''f Hlifl 1;1' itA .ItH~h4
~.f."~ft ~, ~h_ ~~,. ., ..r~f~'~ ~f~.f ~f €~jf'L 'f'~' ~It* ~.ft
.#~~,.'.4 f@t ~t~~~'4t. .~1 ., 'ij~~. ~, ~f~~ ~,.'
~
Pursuant to an a9reemont or counsol, Dorondant's
pretrial aemorandum i. deemed amended by the addition or a
potential witn... on behaH or tho Dorendant in the pOrion or
stanhy Jablonski, an ineurano. adjuet.r, lIie teetimony will b.
related to damaQa..
A motion tor .ummary judqm.nt tiled by Oetendant
on Deo.mber 12, 1995, i. outst.ndinq, and pur.u.nt to .n
.qreement of coun..l this m.tter i. to be di.po.ed of by the
undersiQned jUdQe alone fOllowinQ the filinq at briere and oral
arqullent, The i..ue to be dhpo.ed at on this motion tor
,
.uamary jUdqment tiled by D.f.nd.nt 1. wh.ther the identity or
intere.t in.ured n.c....ry tor the cr..tion of . duty of
oontribution i. pre.ent in this oa.e, All ooun..l .re s.ti.ti.d
that the record i. .urfiaiently oompl.te tor the Court to
di.po.e at this motion, By .eparate Order of Court, it i. bainq
directed th.t the Detend.nt'o briet On the .otion tor .ummary
judqment .hall be due on or betore Hond.y, J.nuary aa, 1996, and
that Plaintiff's briet will be due within .even days th.reafter.
pur.uant to tha .~me .eparate Ordsr at court, oral arqument on
thl. .otion tor .um.ary jUdq.ent i. belnq .cheduled tor Honday,
,ebruery I, 1'96, at 11100 ....
With r.spaat to .attle.ent n090tla\10ns, It
.pp.ar. unlikelv that settle.ent will ooour prior to ths
disposition ot the ~tion for .u__.rv jU4qllont.
by the c urtJ oK
J uh'y ~Jr., J.
Court AdMinistrator
WI~tIAM A. AOOAHJ, IJQUI~e
ror the 'lainti"
OOiIAl.P It. \toY'r. UQU I U
flAVIO M. CAlon'\t~U" J1i\lIlIPr;
rOt th. b..rllml4nt
W\'V
,
v,
'13 OLER
I IN THE COURT OF COMMON PLEAS OF
I CUMBERLAND COUNTY, PENNSYLVANIA
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I CIVIL ACTION - LAW
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I 95-75 CIVIL TERM
EVERETT CASH MUTUAL
INSURANCE COMPANY,
, plaintiff
GENERAL ACCIDENT INSURANCE
COMPANY or AMERICA,
Detendant
IN REI PRETRJAL CON'EREN~E
A pr.trial oonterenee wae h.ld in the eha.ber. at
Judqe Oler on Wedneeday, Dueemb.r 37, 199&, in the
above-captioned ea.e, preeent on b.half ot Plaintiff wa.
william A, Addame, Eequire, Preeent on behalt ot the Petendant
w.re Donald B. Hoyt, lequire, and David R. Campbell, l.quir.,
It i. antioipated that Hr, Hoyt will b. the trial ooun.el,
Thi. i. an aotion for contribution by on. in.urer
aqainet another ari.inq out at the payment at a loe. on a ho.e
under con.truotion, On F.bruary 11, 199., a hou.. owned by
Plaintitt'. ineur.d and beinq built by D.f.ndant', in.ured
eu.tained .eriou. .now and ioe damaqe. Plalntlff pald It.
in.ured about '10,000,00 for the 10'., and aef.ndant ha. r.fu.ed
to .ake a oontribution for halt of the paym.nt,
o.fen.e. are (1) that the polioy i,.u.d by
Def.ndant doe. not cover the 10'., b.eaue. ot an .wolu.ion tor
da.aq. r..ultinq tram poor workman.hipl (3) that the ia.ntley of
inter..t in.ur.d n.c....ry tor the cr.atlon Ot contribution doe.
not ._l.t, and (3) that pl,lntlff p.id too Much, thue not
.iti9ati09 It. da..q...
Thi. will be . nonjury trial ot an ..ti..taa
auration of un. alV. ~V ..rarat. ord., of Court. irlA' h.. t...n
.eh.dul.d tor w.dne.d8Y. MAV t. 19~6. 4t "on 4.~.
pur.u.nt to an .yr.'M.nt of coyn..l, Paf.nd.nt'.
pr.trill ...0rlnduM i. a....4 ..,nd.a by tha _adLtlQn ot a
pot.ntill witn... on blhllf of the p.t.nalnt ln the par,on ot
.tanl.y Jablon.kl, In In.urano. Id,u.t.r, HL. t.atLeany will b.
r.llt.d to dl"".'
A IOtlon tor .u..ary tu4Q..nt tll.a by D.f.ndlnt
on Oao..ber 13, 1".' i. out.tlndlO9, and pur,ulnt to an
.'r....nt ot ooun..l thi. ..tt,r i. to be di.po.14 ot by the
und.r.i,ne4 1U4Q' .10ne tollowi", the tilinq ot bri.t. and oral
ar9u..nt. Th' i..u. to be 4i.po.e4 ot Oft thi. lot Lon tor
.u..ary 'u6q..nt 'iled ~ o.t.ndlnt i. wheth.r the id.ntity ot
lnt.r..t Lnaul.a neo....ry tOf the Of.I,10n 01 a duty ot
oontributlon i. pr...nt ln thl. gill, All ooun..l .r. ..t1.tLed
that t~ r.QOld 1. .u"iGl.ntly oOlpl.t. 'or the court to
d1.po.. of thi. IOtlon. 'Y ..p.,.tl Orae' ot court, 1t 1. ~LnQ
41110tf4 'hat th. o.,.ndln"1 ~fll' on thl ao'lo" for .u...ry
1u44..nt .~'l be due on or Pi'@f' Mqnday, January II, If'., .nd
that ,..l"ti,," pri.f will ~ due vithLn ..v.n d.V' thlf.a,t.,.
Pur.uant '0 ,~ .... I.,.r'" Ora., of Court, or.l .rqw..nt on
'nil .Uon lor ,uIIN'y j~"r1' l. "'i~ .ohe4ultKt '.f Mend.y,
'..fU.ry I, 1"', ., 11100 A,M,
Mi'" f'I"~' '9 ..,',.~, n~ot""@r1', 1t
'''''f' un'i..ly 'ha' ..t"'''''' wi" ~Uf prigr 'Q 'h'
4i.,..i'i@r\ @, t~ ..,i@rI '@f t~JY )~..n'.
WlttlAN 4, ~ANI, l~'.i
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tiA'I'Cj It. t'AltftlUt,. lilQVHe"
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..
IN THI coU~1 or COMMON 'LEAl or CUMIIMLAND COUNTY, ,INNIYLVANIA
CIVIL ACTION . LAW
~VJMrrT CA'" MUTUAL INIU~NC& I NO. ..-001. CIVIL TIRM
COM'ANV, I
,1.inUIt I
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VI.
OINI~L ACOIOlNT IM.UaANCI
COMPANY or AMIMICA.
o....n4ant
ttJfu~tJQMQrJrll"tAlfIJl
THI 'A~II' "I~I'Y .TI,ULATI ih., i' il 'hI ..p,...t4
u""".un4i", .1'4 ."'....nt of thl parU" ."" ih.i, r..p4t"Uv,
00""'" thlt thl tollowlnQ, ."loh.4 ., INhibi", Ir' iru. a""
QOrr.oi oo,i.. of 'hI lntUf.nol polloi.. lnvoiv.d in ih. lDoY'
.dUff
I. ~ IUl1dlr" Mll~ CgVI"QI rQf. ,-OQ.' '.", 'olloy
No. OI"O.ot'.,.OO. .f,.QiIY, 4.tl. "1") to "1"" ,..u.a '0
WAfftlf "@14', I~. AI thl '"IUf.d, .Y O'~f.l AQQldln\ In.urlnQ1
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Uullder', Risk Cuverage Form
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COllllllNcial
Inland Marine
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lJullde'5 Risk C()Vl!f"ge.~WI1\D.
fill, l...\l'r,l":\I fUlnl . ,I :\4" rlr ,H.ill\ numl~ttr _<<;11'
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G.n"al Auld.".
I",u""" Company
0' AIfI"i..
COMMERCIAL INLAND MARINE
COVERAGE PART DECLARATIONS
POLICV NO. CIM 0<40&&42.00
eFPICTIVI DA 11: 08/01/93
NAMED INSURED Warner Ham... Inc.
MAILING AODRnS 31111 Cllv.non Raid
Upper Allen Twp, Cumberllnd County
MechIOlc.burg. PA 17055
POLICY PERIOD Prom 08/01/93
Idd".. thlwn IllIVI,
011I01194
., nOI AM., Illndard Tlml ., Ylur mlllln.
'I
IN ReTURN FOR ntll PAVMIlNT OP THI PRIMIUM, AND IUIUICT TO ALL THI TIRMI OP TUlI POLICY.
WE AGItEE WITII YOU TO PROVIDIl Till INIURANCI AI STAnD IN TillS POLlCV
.jt~1I1 Oll"'pllln
BUlldo, . Rllk . Carpenlry Contraclor
PIUMIUM
P"f1I1Um '" Ihlt CIV".,I P." .
1.120.00
'3178
'IM 'rop"", A CIIUIIty, IN.
10il3 Mumm. IIOlef
, 0, 10.120
I.tIMVnt, 'A 170<t3
lUNCH
...... ~I11A....r'li"'''1 ,.., ~~ '"' 't" ;Ct (,141.+""'.'''' Gi#!.'_"Il'''' 'M"" '" .-_"tv.."."" 'lit "",ICt ,,"'t;Q
.tfHf 'IUI._" ....., ~ 'fUl.H' MI.... -'4 fII ... 't ,.,.,"'.,.~ ~ JIM'" '1tHfI,1Il, ...'... "-...., ~... I'"
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. b,' Valuabl, 'apell .nd Rt'<o,dl
W. will pay your ..pen"I 10 r'Iloff 01 "produce your valuabl. pap.rl and recordl whith """.
d.ma..d or dfltroyed allh. projPCllIl' by .ny oIlh, Cov",d C'U"I 011011,
Th, mOil w. will pay for 'Iou' und"lhll Cov.r,s. fll,nllon II S 1Il,000,
Thll Cover 'S. hl,nllon illn .ddllion 10 Ih. .ppllcabl. limitl oIlnlu,.nC. provid.d by lhll
Cov.r.s. form.
c. T"", Shrubl .nd '1. nIl
W. will J!jY 101 'lou'lo Ir"I. Ihrubl .nd pl.nll .Ilh. plojecl I,It c.u..d by OllelulllnS Irom fir.,
IIShtnln.. 'lpIOllon, civil dllturbant'. rlOl, v.hldel, .iICllft 01 v~nd.1I1m.
Th, mOl' w. will P<1Y for 'Iou' Undtllhil Cov.,.S. bltnllon II S 10,000 bUI nOl molt Ih.n SHO
101 any oQ' II". Ihrub 01 pl.nl,
Thl, Cov,',S' hl.nlion II In .ddllion 10 Ih. .pplicabl.llm'l\ oIlnlul.nc. provided by Ihil
Cover.s. fOlm,
d. k./foldlnl.nd Conllrucllon fOlml
W. wUI J!jy 101 'loti' to lC.Uoldins tqulpmenl .nd tOnmucllan 100m,.t Ih. ploi,c",1t tAUled by
01 "Iulllnl"om .ny oIlh. Cov.red C'U"I 011011,
Th. mOtI w. Will p.y lor 'Iou' Undtllhll Cov.r." fll.nlion II 110,000,
Thl. Cov'''I' fll.nlion II In .ddlliOn 10 the .ppllt.b1.lIm1tl oIlnlUII/I(' plovldtd by thll
cov.r'I' folm.
t, Ofb,11 ..mov.1
(1) W. wUI pay youl IIptn.., to Itmov. d.btl' 01 (""'tied prnptl\y uuted by or r..Ulllnl'll,)nl
.ny 01 the COvered e'lIlft oIlal' that OWII durlnl the polK'( ptllod. TtIt 'Iptn... Will bt
paid only II Iht)' .It repMed 10 UI In WIUlnl w'lh,n .10 d.y. oIlht d.l. 01 Ollt<;t phy.ieal
'....,
I4Jl (II The /'nOlI w. Will pay under chi, Cov..... III.nllOl1 in anyone occulI.nct II WIlt oil
(II Th. .mounl w. ply lor direcl phyllCaj 'lot.' 10 CQ\'fltd P'optl""; pllIl
(III Th. deductlbl. in Ihl, Cov.r.S' 'Ofm .ppliublf to 1n.1 'lot,',
Thll h",,, "Of. no! iIlCIt... any .ppll(.bl.llm'lt r)/lnlu"IlC. ptovodtd b\t 1M Cov,r'I'
fOlm.
,111 '1IIt/ ,.,h".
III f,,* ",I!! vl tJ,r...t PM-t"4J '~.' "114 Ottl".It,/fI{;I'!I41"P"I""'<"'h ''''
.ppllJi .11" 411!!IU t)/ 1/II4W1('; 111
III) r... P.t>r.tll'tIlQ\l,,1 ,.Pf"'" ..(,.,Jtr),,, """111M poIYliM, .."'hrl!h. n... ilm"Ah'JII
Il1tUr.PIi'.$'.ph UJ!II !/(l<)Y':
W.. ",.ll'l", "1' b," ~liI,'jr,,,.1 \H 'Ull,), ,,,,,II II'V'llKlt'" Ifl 'IIY ,..11" ('HVIl,I'("
'Ip) III .
" rXlt>I'Pi\
1 hI' 1,1111' '. ," ~(l(j'II(II1I" In. '1".i",III, \,""14 ,4 111'\1"/1(, p1vvilltd by Ihll C~""J'
"f)f"1
m ltm C"""...l."""on (1,"""<;11 IPply 14 ".>1,16
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,"I R,m(l'V'. ',MQI, 0' "pl." ~Mtd 1.114I.. w,."
,. 'ollut.nl Clt.n Up .114 .'IIlCW.1
W, will P'Y y<l\lf "p'"..t '0 tlU K' 'pgll"Wlllt' II"'" Itlld " wtIff _lilt "...' WIt ~ ... .""Nf't.
ditl*UI. ...plp. """.,.t;I\. "ft... flI ttC.pt _lilt ',..uvWIl"'1t IflMd ior" ItWit I,. any 01
ItIt ((Nf,td C.II'" pi \Qt' tQ evv.,td "'Opf,ty ,I\j\ ..11I ~!l\I \lit poIlfY pt/. 'hi .""1IIft wlI'
bt P'ld 0/I1y " ItIty '" IfJlQ,Itd III \It III WllIJII' w.hIfIllO tllyt CliI dIt ~ .. ."14ttlM c.-.ltd
C'II'" c4 \ OtII:lHUI
nllt Ccw"... hltlltlOO ~t ~ apPly I<< 'llMll<< IfIIlt;/, ~ \if ......\~ 'lltlfll<<l.
CQllCtn\lttlO/l (II tl/t(1t {II'polluw,,"'. 'Ill w...tII ~ kIoIltll!l\l ..lui.h It ..,flH_lft'" cou,.. Q/
,."'/11"1 'h. 'polluwnlt'''~ Ih.I,~ ", wilt'
1M II\OIl wt Will pi' II~' ,1111 C~"'. hl',"llI/I'" 'MII.-.' tlIf It Ui.OOO flHlM .lIm cJ .U
(O\'"td .,Pt/". ".',ti.., 1M e4,1Iy (,4 1M ~"td CIIMI Q/ \"'11<<\11'1/1' iN/lit' 'ilh..,.,... I'
rnolllh 1*_ " Ih't JI'J'll(Y.
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"1,11I, {!II _,,,,H.tI'<!'I' ... ,,,.,,,,\, ~ l'I4W iI "....~A\j/ ~"t. tlIt Itf will,.. ki4 4'11I'"
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II' ,....... ll\f ....... ~ ~ ,," Ifa ~".... ... ""j(f ~ H iii, wwW " ~- ~ tNt
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.,. \.Jun.. ~lj.
, ,(. War Ind MUllalY Alllon
(I) Wal, IOdUlJln. undl<l."d Q' cMI Wlf;
(~l W""~' .Cllon by. mlliury 10fC" Indudln, .ctlon In hlndtfinl QI def.ndlnl.,.inll .n Ittual
Of "l*ltd ItUck, by .ny 1000'ln/ll,nl, ~".iln QI oth" .uthoflty Ullnl /IIillury ",'IOI'n.1
Qllllhtl 'I,nlt; Qf
()I Intul,,,tll,ln. Ifbtlllon. IfI'olulion UIUfptd flQW" 01 .won Uk,n by p"nm,nul .utholity In
hlndtllnl QI def,ndln. '1,ln.. ,ny of th,...
d. Oflllllallc' Of law
lilt ,n/Qlum.nt of any OIdln.n" O/I,w:
(II ...11....1/1. the conlll"'CllQn. "'.. 01 "pai, oI.ny P'QP"l'f1 01
(2) "tqlllnn'lh, I"fin. down of .ny P'optIIY. Includln. lilt (Ott 01 Ifmovln.llJ d,blll.
.. Wa'"
(II flood. IlIfla(l w'If'. w,v,1, lid.., tidal WIY.I, ovtfllow 01 a")' body 01 W''''. QlIAtil IpI'y.
aU whtlh.. dllv.n by Wind OfllOl;
(21 Mudtlidt ()t ml.ldllow;
(JI WIItf WhKh INtkl lip 110m' ItWtf Of dlllll; Of
C.) WIItf II_II/lt rovnd 111'/'" p1..IiII, on. QI llow"" ()t ...pI"I ""tvl"1
C.I fOllflll.uon1, wall.. /1QoI1 01 ptvtd IlId".,;
t~1 .,If/IltI\U. whtthel Jlfvtd 0/1\(1(; 01
tel 00QI,. wlndqwl Of OIht' ."'''p,
'1Il w. will P'Y 101 111'''' 'hMl' uv'fll by 'ttIIltllll III. QI ..p/otIoR.
fI\lt hfilw..on ~ lIOI 'pply I@ P'Q""l't 11\ 11'/1''''
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Mt "Ith 1I1Il't"",^, QtIIt'INII "III~"" coli.,.... Mh II an tII\lIq\lf~ ~t """'
~,QI.1I11I ~klll" lliI"llM th/ltlAl
'lit w. wJll ff' /yt \JI'I<' ~,' Ulltfl( ~ Iflllltll\I lu, @I ,.pIooOIl.
,~ tlfh;.if)A -.lIOI .pply f;) ".'/Iy III lIf1l11t
J. W. ..f/l1'tif ,... 111I . '''it,' ~...,...,I~ ." '....,if,". II!!'" .IIt (" Ill, f~''''i
.. 0tI~. ~ tA """. J.iIlt ,if /fI./.... 'II Iff'! "flirt' ~{iII..q,,''''jl'~''
.. Q!~~ .,;'. r., '1'14, W';"fott '".....4" /Ill '/lU'III.c ill a.. pI"~"', y...., f)f !ilIr1, ,II'I~'" Of
~iI'u.J 'I/fff~''''''''.' Iff t/It'(",.. '"" tr"I<i~ "'4t! lilf f1I~l!y. \l101>fI1Itrt Of ~ H""'''''
!i4 if' g"j""""'''4I1d/'oil' fif'''''';''''''~W/;' ij\tN'. ..."",..,4 'lfi/illi'l'mtflf,
'ioI Il<i~ hl",."er' '~i..~ ;;,.. ~lil?h ft, ~ '!lI'~ 1.'1 "',.
r.p hilt
1f'..'''I'I!
D. Dedulllbl.
W. ",ill not p.lY for '101"111 ,lilY Olle oCCUllence ullhl the amount of the adjull.d '1011' ..c..dllhe
OeduClihle amoullt ,ho",n 11\ lhll Cov.ras. Form Oeclaratlonl. w. w,lI Ihen pay the amount of the
.djU'led '10'" 111 ..co.. of Ihe Deducllbl.. up to the applicable limit of llllurance.
r. Additional (ondlllon.
Th. followlnl condlllonl apply in addlllon to the Commercial Inland Marin' Condlllonl.nd Common
POlicy Cond,tlonl:
I. COvll'" T.lll1ory
Th, CI;"""" TIl"tory II:
(.) Th, Unll.d $t.1I1 of Amllle.. and
(b) C.nada.
3. V.IU'Ilon
Th. V.lultlOn cOMllIon contlln.d In Ihe CQnlnl"clallnl.nd Ma,,,,. Condition. ill,pl.ced by th,
101lOWI"I:
Th, v.lu. (l/ CQVIltd Properry w,lI be th.lull CO" to "place Ih. P'Optl'lY with lubltanUally id,nllc.1
new p10pellY wllhoul any (ltduchon lor d.prrelallon. Ollr Polym.nl will not be mor'lh.n th.lClu.1
co.I 10 "Pol" 01 "pl." th, ploperry lor th, I.m, occup.ney 01 u.... How",". " nOl Ifp,i"d 01
"plactd w~hin . "'lOnabl, hm. allll .10.... the plQperry will be v.lu.d ,t IIf .ctu.1 ellll v,lu.,
In lh. ""nt 0/'10"', Ih. v.lu. of lh. properry will be d.IIlmtn.d .. of Ih,Um, (l/ .IQ....
:J. Cotnlu"n"
All COII",d I'IOpe'lY IIMtbf InlUI,d fo, III lCo1l1,.pecled v.\lu' al of Ih. d'l' (l/ 'OfT\plrtlon 01 you
"",lIll\(u' . pen.lty In lh. ""nt o/'Iou',
fh, ptlWllV II Ih.1 w. w,lI p.y only Ih. porlion cI.ny 'lu,,'lh41th, limll oIlnlu"/\(' IhQwn In lhll
<:0\1"'" '1>1m orc1a"1I0nl "" III, pr"I.CI 1111 bllIl to th,I<>l,t1 .,peet,d v.lu, .lth. projl/ellitt II
01 Ihll "..I, of C"I'l'plfll()n,
fhll coM.IIQn dQOI not .tpp1v 10 PI()llfllY In tr.IIIlI.;}I to Ihll CI,)\o,r... 1,I,nllOnl,
... Oplloft In fh. h,nl 0' 'lll'"
'n Iht ""nl 0/'10..' w. hh" Ih, l>pIlI'ln to I.k, .tll (I' 'ny Pol'I Qi III. p10p"l'f 'I ." 'IltH Of
'pp'llltld ....Iu., W. ""It i'" you MI',,' (4 I.,U' 'nt,ntlOnl wiltl'" III daYI .flet w, ,,(fIV,th. twOIn
...11"'.111.... 'Iou'
J. ,,,,,..,,,,,nl ""I,w."y l'lh..
" by ,fty ,.;1 '>/011$'",,,."1 iIIf., . 'full' V"" ""P'" ,;u, fll"llG 111(("''' "C/IIllJ(htlt lI,bl, 10,11I. .Iot,',
.., WIll /lQI plv \"/'1 "" tl1AI '!tit,'. In lhot ",,"1 r;J .fly '10..', yllll wll/ j"'".f4I.',~ ",.1.. (111I'" In f
....',P,'. ~I"o( 01"" i)l"'" il0l1fy ,11./1 "oil; ~"loIoAlt 'i/ III. plOp"""
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EverettPCash MutuallnsuraAce Co.
1l.0.J.".O,1I0x.141.1:vLIlCll.I'^155J1{))41 Sped,..." \ '. 'a II
DECLARATiONs FIRST SURPLUS ~-L;.
POllCV PERIOD POlICV n,'[
U!/eOI'1:1 10 1,'1001"14 Ij0l'1101olNfllfi :l)
, 201 A 1,1 StANDARD TIMI 1000 _ ,
YOUR AGENT ~ 11Ie1: Llab.
RICHARD A. NIJP(RIR
ROIINGON-CONNIR 0' PA, INC.
401 IT, LOUTII!A tlTRUT
CARLI~Lll PA 17013
Phone ., C 7 17 I '4Q-I1'1"'" I'\{j
10s0-L liaO, "-J
r=_
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,
II
POllCV NUMnEII
%
POLICY HOLDE A
OA. THOMAS" DONNA DElJLINO
:555 NORtH HANOVER 8T
CARLISLE. PA 17013
. .
MORTGAGEE
%
II LOCATION DIAICTI~ ,,'
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"utHQlIlllO lI"IIUI,.t"tIVI
P"OPII"" COV'''oIIQU
IIOTlON I
A ""lQIliCl
. "lIAtlO 'IIJYA" 1'"velVII.. 0" lilt l'lI'lolIIU _
C ""1011Al. ~1I\'1
o AllOtllOllA\llVllIG II"""
OIPUCt,IU unION t
AtHfll'U &l~O
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l ',1I10NAlllA.lI.lfY IACH Ol;(l;1l8111C1
M MIDleA' 'A'....,.,' '0 Oh"IIIIA(H '1 "Will
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CUMBERLAND CO,
'"'' '0"" '"'''' ONl, 10 A((lOlNII OCCVOMllOClt OM 101111 WHltw
""PlN["'O'NO. ".I.Oll(,. '101001110.1 W~"O'I II' Iw, 1'O~1j;"''''MI'''~llN
,& (ONflttUHui ""s tACH '.111100 01 ON ,.." IN()tN 0.. "I A"..v4"
ANN',....", 0'" U' "'1'01.1(, C(l/<I"'VIU A' ,UA 11'OII\:"UoOO
""'1'(.".' A.P\"I ONl' 10 11101. tOYIIIAon 10. II WHlCU At,.,.., 0I1"'."~
0" "Ml'-'llJ1.,4 (HAMO'lt IHOWtt OWl ~.....' 0' UA'll.lrV '0I14CUGOvtlA61
\IIA" II or" "OH' '''A'' IH"M!IV..r"4IIDIOM III("'O,'MAOI IWlfc'
'u AU ". '''I 11....0' IH'll'Oll\:' '''11,'1011'''10''1 I'AIIO fHIMlilIl
100,<>01,)
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AOOlTlONAl PORM' AND COV'RAQ..
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lCOll IlCPLACI.I1(Nl COlil CIlftll'
PREMIUM elUDIT FO'I NIW t,OMU
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917170'1 Ml.,a'1I',QI
H lillf ~J,J'''''M..;WYiWW'''ii!iIl!i''''''''' ~',,~_........,........ 4J.i&if*...._..~",~ to(..~~_ ~~*'_"4'~ 'ff .~_I/!I'ffI'"'.JJ'ff~M.,H#I".
'of' 1*_.........j......I........~~ ',.lhf...,"'I...,........'~.,~"'I/tl~..,~....ltil_~'*~,"",""ft. f,.f"'" Ln~.. .' 'M,,:t.;;;;;; 't"'.;.; if'''-'
................~ ~iJ!i!iI~#."l~., i"~I-:i'p,....
,.... "ATINO INfUA~^'ION .....
\l~ IU".' M~ -.1 . """'"I." I "'01"'.' 1"HlllJl.~1 .,
01 (0".1" 1!i'tJ ..~p 'pol I Y (llrllll'\t( I hlt11 "..'IIIIIl"
tec.IIC".. I ;\';CP\IY\I., flHlfOI'(ll' N(1
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j'Ol\Ai:- (;t'Yij t. i 1'" ,
."1'''<'1"' I'iJrnl
MI..3
(1':1I.7.7H)
AAIH
I'KIlIUJ SRCT/ON
tI'IUtlIJJ ANI) IUCI'I.ACEMKNT COST 1'ltoVllflONI
('(IV"." A . "..'II.,,~. .'"' ('~V"fI" n. 1f.1.,.d ''rlva', SI,uelll'" /Ill Ih. 1'r,,",/,,"
'1'111. pohfY fllv.r. Ul.II..ld.nct ,nd K.I.led rrinlt 8tluclurtt on th.I'"m\... fOl.1I rl.k. uf I,hy.leal
1\111 unlll' .pteltlully ..eluded.
1i:1I"/1I.lo,,. . AlJpl110 Ull""'" A find Ull'lfll" II
In addlllon \0 ,h. .uhl.lon. funlllned In tll. O.n"all'ollcy l'Iovl.lon..lh. (ollowllll.lIc1u.lon.lIl.u
IIl'ply
1 ,..,."","., m.c,,""" lAlI,",'. III' Ol'"flow . Unoecupl,IIIl""d."r, . It th. ,."./II."e" I.
v,falll, un_upled OlWlulllllll ltml'urlry .b"net) '" und.r (oll.lruc\lon .nd unoccupied. Ih.
,,,.""4 mu.' I.k. fI.lOlI.bI. "" \0:
. m.ln'-III h..t In th. bUlldin'i or
b .hll' oN \.h. W'~I '"\1ply .nd cumpl.uly .mpty liquid. (rom allY plumbllll. huUIII 01 air.
fu/ldllWllln. .y.lIlII, wI"'r 11.."" III domllUo appll.nc..
It ,"y '".urfJd f.ll. Wi 1111 thl., W. do nllt pay fOlio.. cau.'" by ("oln. 0' th. ".ultlll' dl.chlll'.
l"k'II', 01 IJv.r/1lIw hum .lIfh .)'.1.11I. w."'r h,,"" or dOlllllUC '\lpll,IlCt.
~ ,.'''fI.'''" f'Mw/,.,. """1'" 01' W"IIII, pf IN 01' WIII.I' . IV. dl) nol pa)' fOl d.m", to
.Irllf'"'" (u\.h" Ihllll bUllllln", e/lrpun.. III mllbll. hum..) .uch II .wlmmln, pool.. f.nef..
"..I"H111 11I'.11.. "pIle I.nk.. pi.n, \Vhll"". found. lion., 1'.110.. .nd p.ved "... "Iulld by
tI..,lnll. th,wlll,. u, I'r...1I1. ur w.I,hlllf k.Il' 11I""" wh.lh" wind drlvtll 01 no\.
:l 1'ft,(. . W. 40 null'lJV f,,"h.ft ur 'I..mplld lh.ft frulII Ih.ln..."dp"",4". whll,. ,,,,Id,nr, It;
II 1I1i"" flln'Uu~lIu" .nd unl>fflll'itld, lif
Ii HI"iI", flIr m(.,. Iha... :llll'llll.wullv. d.)'almm"'i.I.ly b.flJlllh. lOll.
4 r~4i.m .,,14 ,ij.lI,iulI' ."IIIh/.f UI' W... II,..,"". . W, dll RlI' pa)' for lUll Clu..d b)'
.."d.II""I. /1111141""' /fHtflli.f (" Ii".k... ut .lilI'"' IIlh., ,1"ln, m."'rlll. whll'lh",,,'d,,"r,
" nolll fa, IIIIII. IlIil/l jjj 1'",u",ulIv, 4/1)" Immedlil~ly b.foll Ih. lOll. A ,,,III,,n(', uII(I"
Illll.llli4wn .. fIUl 1''''1'14".11 nunl,
fl. tlH/Nf" (I' I.,."" . W, du II'" \J')' fur 11111 fllltN by r'plillId 0' flJnllnuou. '''PI'' or I..k...
(If 1l<4\1kt. '" ....m (rWl wllhllla phlfflbln,. hll,III' 01 .IHo/ld!I",nln. ')"1111I, w.l" h"lfI. ur
dlllli..'kl '1'IIH.n..
"uOl'" at 1'f\"i4tod .Iou.., j4.'flI'U 'U' "'".lli1.141 by Ih'lI<<'ld,n,.II..k,"..u."nuw.uldl.rhlf..uf
I"j.."i. ." ,''',''" h..", II I'llIm\.III', h...UIiIl. '" illN'undlllonln, .y.I,m or dom'.lle .ppliann. 11'.
.j...I'''~ \h. ""....11.101.'...' llf ,'"W'lII' IIn4 "..llI4"ln,lh4l11 I'll" IIf Ul. t.ulldlnll \I' mubll, hum.
fi~.lIn ... Rllk. ""11111 W., 4.. f\UII';lY (III I.... kt lh.ey.,.nlllr dtIm..Ur 'l/pli.nl" frolll whlrh lh.
Iki,,14 II' ,,,,,1111 '''''''''
i lit."".,. ('rIHJuIl,. ,,,^,,,,Jun,. ,.",i",", Ii:.".,wl",. w. dtIl1l.l' p.y tOl 11111 ('I".id by IIIf
"'"111'. H"~IIiIl. .II,llIkl"" lillllll"'''' "Piln4IIl' o( I blllldin,"r IIWbII. hum. (III .ny pll' (Jf I
hil4.,., .., "i1I~ll. ~J"", f1.n_ltI, ~'''II'. III Iny Il,h" 11,,1400' ",,,,,,,,,,.
1 11I,.1" \'I',..u", H4n1lI/"', In...It f.I' 1)(1....", AIlIIIM/.. W" dll nlll tit)' fll' 11111 4'1111'''' by bird..
,""'~". ~"'. 11_.... ..r 4u1fi""~ /llIllftll.
. .,....... W" 4u "", ,~t ',., 4;11..... ,*0...1 \ty .m"~' h'II'" 'IIrl~lIllU,.1 .mllll,lnll II' Indu.lr"\
~...,*u..fi'
W" "..t 1..,41/1'.' ,,"u L, /'I,.. ..,,~,.k'Il.'" ~li..".jf\Ul"lturl\VII...~hld"" ,*1I1~h r"ullt trllm III)' uhh.
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C'/Hi"1f," (' . /'.'WIII+I ""'P"""
l"/If ~." ~It"'fjff "//ltl"., !/I'....~ "",)...,./ ,..... 1# Jlm,,'l)' '1f~1/,..1 101+4., (:"""'1' C . 1'''''//11\
J!'''f1I'Jt;f kiM..' !i, 1M tJ./i.....If.1I
I ~"",., /.#IM./WII
~ WmMuJrm ,." '/1111 fi;ilt ...... ....I ",~.I 1.-
,. 4;+1'.....* ,i.'#11J i.~ 1#11'1...14, tn ('''.1, 1~.j4 WMU.." k' ("lIltl U>4fl hilll/. IIWW al .1",. .11
..".,.;.", Il/.li<l,U.Hfi ." ....1,
1;. "" lb. ,If ,,-,.., ..,.. "'!ii'''''rI '.1 1#,,1011.11>/#1#111. ,,' w Ill. "'ii,.,,, 1I.,a.4.. ~iij.,.q to'/' 4ij.l. ,,,UR. ill,,4.
.,~. ..,,,.... ~( ,. ~.., 411 ,.t..,,,., ""tI~ "11',.'1 lo' Ii"'. "IIHJ"'i'lh"'1I4i1 uII"""II' li,,1 /II..... t,y It..
~I,ttl*\ tilj.kW i.t ..itHt '" ,...., ~,.
\ll I
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.. I
,'lll.Uli'" IIn"
"..,
c. to wutercruft (except rowhllllta IInd ('unlle. un Ih.ln.ured preml.".) Includinll their trailere,
!lcce..oriel, equipment 111111 outbllllrd mutorl unlell luch property II inlide 11 fully encloled
buildlnll.
3, f:xpln.loll
.. llIol or Civil Commol/oll
5. Alrcrufl
6, VClhle/Cl'
7. BuddCln I1I1d Atcld.ntallJama,. (rom SmoM' Thl. do.. no~ cov,r 10.. cau.ed by Imok. from
.,rlcultural Imudllnll or Indultrlal op.ratlona,
a. Vandall.m alld ~/allclou, MI.chl". Thll dOli nol cov.r!ol.lfth,'n.urflelpr.ml.fI. ar.vacant
for more than ao con.tcutlv. daYllmmedlat.ly b.for. th.lo... ^ r..lelflnCl. und.r conltructlon II
not con. Ide red vacant.
0. Gla" DrflalM,. . Thll coven breaka,. oC Ilall or olh.r Ilallnl matlrlal which Connl part oC
detachabl. compon.nt. or nxtur.. oC a bulldlnl or mobll. ham., "hl. Includ.. ltonn doorl ulld
wlndowl.
Thll do.. not cov.r lOll IC the In.urflel prflml.fI. ar. yacant for mar. than 30 c:onltcutiv. daYI
Immedlat.ly b.Cor. th.lolI. ^ r..lelflncfl under conllructlon I. not cunlld.rtd vacanl.
10. Thllft. Thlllnclud'l all.mplfd th.n and lOll oCproperlY frum a known plac.wh.n 1IIIIIklly that
Ih.fl uccurr.d.
I'rop.rlY I. con.ltI.red .1 b.inllln th,'n.ur.d pr.ml,", whll. placed Cor .af.k..pinlln: a bank;
IruII or laC. d,poIII company; public war.huuI.; ur an occuplfd rfl./el,nefl, condomlnlum.unlt or
apartmlnl no~ ownfd. r.nt.d or IIccuplfd by an In.urfld.
a. Thll dOli not coy.r;
II Ih.n committed by an InlurflcI;
21 then from pr.rnl... wh.r," r..ld.nef/II und.r conltruclion unlll the bulldlnlll complet..j
and occupltd;
:II lOll of a precloul or ..ml.prteloul .wne from tll leltinl:
4) Ih.n from any parI of Ih. ".'ellll"'., ulually O(('upled ,.r1Il.lnly by an In.urlld, whll.
ftnltd 10 olh.r.;
&) Ih.n from preml... whi~h .r, vllealll fur mor'lh.n:lO con.fCIlUy. daYllmmedlat.ly beror.
Ih. 10",
III 10" rtllllUn, from Ihe th.ft oC any ""dll card or .Imilar d,vlc, 'IIC.plll' proylded und.,
InC'ld.nlall'rop'r1Y Coy.rallee; or
1) lOll fIIulU"1I frllrn Ih. th.(\ of. d.bit cllrd or .imilardtvlce u..d for Ih.d,plI.lt. wlthdrllwlll
or tranlf.r IIC fundi.
b, Thll (loti not COytr Ih./I thalll!.'('llu away from the In.u,."I pI',ml... of:
II prop.r~y whll. un Ih. portion IIC Iny r"ld'"ltal pr.mill' owned. r,nlld IIr IlCcuplfd by 1111
In.lIr,d, .lIc,pl for the p.rilld of time whll. an IIlIlIrld ia temporarily r..ldlnll ther..
IlIowlV.r. prof"IY lIf a f\iIlUm. Ilud.nt who II.n In.ur.dl. coy.red while on Ih. parHon o(
the r..ld.ntia I'r.ml... ll('cupled by Ih. .Iud.nt II M"hlllltl tlr
<II Irall'fI, \h.ir "llIlpmenl. ~amp.r.. camper b(..1IIl, lIlI\board muwn. watercraft. and Ih.lr
aC'c...ori".
II, fIt/lilt' Obi"" ' 'I'hl. d".. nll\ l'OY" 10..:
a. 10 the Inltrlor of II bulldlllll or ",obll. horn.. or wlh. prllllfrlY in.ld.. uIII..I Ih. obJ"'t hll
pr,ylllll.ly damllll...l tli, oul.14. "".11. lIr rllllf by Impllcl. -
b. 141 uuWulIr awnlll'!, or rllllol'I" IlIrludlnlllh.!r IUPl'or\l.
4'. to r.ne.. II' 10 ..uWoot lOjlllpm.nl l\lI\ v.tmlln.nlly In....II.d. lIr
.. If. the obJ....' whldl (11111.
12, WIII,hI IIf le.,l'I/llJw fJr Sh"" whwll 4'1111'" plly.klll ".mllll' till blllid IIIIlII' mllbll. hlffllu" w the
p'f,p.tty in.14.. . 'flli. "ft.a ""t (II'" I".. 1ft;
It. "'~III.m' "11I/PIn.IIII1"t IImll,"ently IlIlIt.U...J. ,,'
b. "....1...1' .''"In,,e "' ..MJlittll 1/11I1..4111" tll.., '''1111'1'''',
n ('olmp"'Jf /j HuUdtn, IIr An, 1'",.' ,.I( lJ tllltWln, <(;,,11'1111 4sIt. M~ IIwlwl4 Mttlln., ~'Mkinlf,
IIlltlnll,,,.. t;III,ln/l '" ",p"/llllm,' . lilll... lIl. ,tlf/fill/l' I. 4i'4lO11y 4'.11.... bY lIl, 4'1111'111' of ..
114III<lwII, IlIi. ,/I... '\fll ~'I,V.t Jo..
. "" lfijl,j"fI' ilWfllllll. "' 11l/l"JI'" 11I.1.."ln" lIl." IU[lf/Oll., (If
MI..I
"^ 1!4
.':1
('\l1I1rl.M 11)1"
.
\I, 10 ouldoor 1~lulplllelll nol pCrIllllncnlly I".lalled. .'
14. SUdl/cII alld Arc/l/enta/r!!ar/II' A/lllrt, /lurll/n, or Jill/II/nil of II heatlnK or air conditlolllnK
ay.INllor willer helll.r. Thl. does 1101 {'over lo.a clluaed by freetlnK.
I~. Acr/l/elltul 1JI.rhllr'l! IIr ()1'fJr(luw u( /.Iqu/r/a IIr StclIm from II plumbinlt. heallnllor all"
condltionlnll .y.I,,"or donwallc oPl'liance. (OUllen IInd down.poute Ilre I\ot parI of a plumblnK
aY'lem.) . Thl. doe. nol cover lOll'
a. CQuled by continuoua or r.pellle<< ..epalt' or l,akaKt;
b. If the rc.ldene.. haM b"n varant for more Ihan 30 conaecutiv. day.lmmedlalely before Ih,lo..:
IA r...ld..IICII under c.on'lruclion I. nol con'ld.nd vacant.)
c. to th. .y.tem or domutlc Appllanc. from which Ih. liquid or .team ..cap.I:
d. cauled by rruzlnll: or
a. on th.ln,urld prllml... cau.ed by accld.nlal dilcharl/' or ovtrnow which orll/lnale. off Ihe
In.ur.d pr.ml....
16. l'rII"/II, of a plumblnll. hfatinK or alr.condlthllllnlllyll.m or domeltlc appllanc. . Thl. do.. nol
cov.r lOll on Ih. In.urflll pr.mllll' whll. Ih. "ddenc. I. vacant. unoccupied Ilncludlnll
temporary .bllnc.) or I. und.r conltruction .nd unoccupled.llow.v.r.thlllxclullon dOl' nol apply
If an In.ur.1I hat u.ed r.alonabl. car. to:
a. maintain h.alln the bulldlnll or mobll. hom.: or
b. .hul off th. liquid ,uprly and compl,tely .mplY Ih, .y.tem or dom'ltlc appliance.
17. Sudd." find Accld.lltll D/lll\ll'. (rom Arllflrllllly Gflnfrflt.d Elllctrlcal 04rrent. to
.ll(trlcal appllancll. d.vlc... fi.lurll and wlrlnll. 'I'ub... Iranll.lorl Ind 11m liar .ll(:tronlc
compon.nte art nol rov.red.
K1WI.^CK~IF.NT COMT I'ItOVISION
(Not Appllcabl. To Mobile 1I0mll
Wheth~r Or Not 011 A /'rrmo".nl f'C/ulldatlon)
(Our lIablllly und.r ~hll provl.lon i. lubJefl to the tlrml of !low Much WI Pay (or (Allorelalm In Ih,
n.n.ral Policy l'lovl.lonl.)
1. Thll provi.lon .ppll.1 only ~o CllYfred bulldln,.. Includlnllllddltion. IInd built. In compon.ntland
fixlur.a, cov.red und.r Covarall' ^, n"ldant'. and Cov,ral/'U, It.lawd IJrlvalfSlruc~ur'l on Ih,
Pr.ml..l. Th. bulldlnl mu.~ have a parman.nl foundallon and roof. Thl. Plovlllon dO'1 not apply
10:
I.
b.
mllbll. ham.. wh.th.r or no~ on II p.,man.nl foundation:
domllUc .ppllanc'l;
c. carp.lin,. nlrtalnl and drap'l all wh.th.r or not perman.lllly Inltalled;
d. d.tachabl. buildin.ll.ml !ndudlnlt ICI..n.. awninil. llorm duall and window.. and window
all' condillonln; or
,. outdoor Ilructur.. (oth.r than bulldlnl/II which .1" not p.rlnan.nl compon.n~1 or !\JIlur.1 of a
bulldlnll. Thll' Includ. (bul ar. nol limited 10) Iwimminlt pool.. f.nc.I. paved ar....
lubm.r.lbl. pumpI and .ump pump..
~, It the \lmll IIf lIabllily un th. darnllll..t bulld!n.I. 1,..lhan 8{) p.rr.nt of lte l.plulI1l.nl COlt Illh,
tlm. of lOll. WI PI)' Ih. lar." of lh. Mlowinl/ (In .xc.,. of the dedurtlbl.l;
a. IClual cath valu. of ~h. damllllflt pal'l of th. build In.: or
b. thaI propoltlon of ~h. I.plllc.mtlllll'oll of th. dlma,ad parI which ourllmll of lIabUlIY on Ih.
bUlldln, b..,. liJ IiO p.lCtml of th. fulll'urr."1 revlanm.nl eoalllf th. bulldln,.
:I. It Ih. limit lit lI,bUIl)' on Ih. dllmllltl1l buildinl/ I. 1I11...11li1 p.,c,nl of III r.plae,mlnl colt al th.
tim. lit 10.1. U"l'ay 11111 full 1'1111 of 1"11411' IlIIl.pIBI'.m'nl of Ih. d"nallfll PIlI wlthoul dtducUon for
d.pr......llon
WI pay Ih. Imall..1 of lh. fllllllwtllj/ ."uIOI\II;
fl, th. limil uf liability .ppll,.bl. w lk, boi\llin.;
b, lh. (f)lll (\n ..e... (,fth. d.dl/cubl., WI lepair 1/' r.pht{',lh, dlm'l/'I/II Ih. .lIm. p",nl". u.lnll
",.",rI.l. flt fljl/lvlIl'/ll kllld "/111'11111111)'. \fj ~h, ..~nl "".{ulJabh'j 11,
~, lh. .mounl I III ..c..a or lh. d"docuhlfl "dl/.lly ,"d /I........nly 'I/.nl to repllir or '.\ll.c, th.
,bill'''',
. Wk.n Ih. CI/III \.II "Pll" /,;1 l.plllCI .1I'.I!'4' th.l"lItIr "r '1,/)/,1() Ill' Il p.,c&'nllltlhuI1Pllcltbl.llmll or
li.liUII>, IIlIlh. 4./IIIIj/o4 bOlllllllj/, WII Ii" '1lIIIlIlbl, (III "IIIF' lhllnlh'llClolIl {'B.h VIIV,"1 Ih, kI..
Y/llll ,Mulll "pltl, "' '."'J....mflJII. wmpl,kIIl,
II "VloIlllltY 1lJ1Ik. .liIillm (01 III. Bellllll fll.h v.lU.llmlilllll 41 II" lu.. b.(flllllllltlli,.." m..dt, A d/tlm
ft" /tRV ;t(J.liUllflitlltlflllijlll \lt4Vllbl" und" IhI. p'l/vl.~," 11I11.1 b, ,nlt4. wllhln 11M! &lilVII Ift" Ih.I"..
MI..I
""I"
I'J
('tlpy,l.hl IU'fK
Mill
Ml.n
IfllIO
AMENDMeNT OF POl.ICV TERMS
peNNIYLVANIA
I. Vlldtt lneld.nlal P"IP'rty C.ytf.,.., Oll\llt,
AtmOYll Ie I/llfI1lltIl,l by:
w. pay up 10 1600 10 ,tlllQIIe '1Ilfn II'" !fQlll \tit
Ina",." !If.ml... . I tIIU1ifllf. ~tIf,a IlflQOf Ihl.
poIlQy III11m1g1d by Witvmorm 01 till! Of wtigt1l
01 !Q., 'now III I'"' ena. It . ".lA CiI Mil
w.II'* ~iont, IN Qotj,,11Ot (II PtMfJ~1Ml
dIelIfll \tit ""111 wmll \tit !n'IIf" ,"mI'"It
loolltd 10 bI . di.."" II'.
l Undtf etvlr'" M - M.lI..II "vllltlltl to
Othtfl, \tit 1tV.. WNt llIllt llmAlllOl\ ~, /lCII
tpP"f III 'l'ptMt. 11II'11I"''' HNKlM
J Tilt ,.~lOI\ INII1Q 10 IN ~fj(I, di.p.t....
IIltl.. III ~ (II III\Ql1., y~., tOOl, 1\Hftt.,
lICiOI, fliklll.. IOlIll ~11fmk;"" IKWKII Q# 1JDtt,
WI'" mIt,/1IIt llf (l\Nlllf!llfllt, ~i/fllI"'" .,
polkAanl. " ~
. ThcI e.M.Il.",,, 1M N''''lMwll ""~ ",
I.~td by'
e.M.II,,*, IIllf Htnt.....1I ... V.., ~ HIW"
\Illt P*'V by '''Ill"", IN ~ 10 WI., lI't ~
III WI""" f\CM't IN1 ~ " whllt 1lAt.I. 4ItI.
~". it 10 ~.
~1110 IN 11IM IQ llira"" ~ lit 111--' ..
INy fntlllll ."" IfM(it\
.,n I.'.
III1U. ~y 'lll.llf,11111 "'tKIl1\Qf.lhlIrI 110 (1_".
Of . . II . ,..-11 of . poIq itI\.MNj by u.. "'.
""V OllflCtl Q# 001 /IMW frit lot m. 'olklw1nU
ftlltQ#ll;
. m. p1~ hit noI lINn paid WtIIfI al".
\I. m. ~ wit otlllll1td lIYoUgI\ trlUd. m.III(1Al
INtftp'e.tfillIlM III oml.1iOtl of '!let ""\lCIl, .
knQwl\ bw ".. WO\AtI hIY. HUtf(\ '" l1O\ 10
ilI_ N 1l<'k<lW: f/I
. \tiff. hU l;iHn 11I\fIII(U11 CtIIngt III "ft'" HI
llN.,.d 01 \tit 1ltIl.
WI wlfl gIw. YIII~' IlIH1t all *"lnlOvlllClI
{4 H/'IHhlIOO Of /lOO/tIWW. Ollf noIi()e "'III 'Uilll
IN '""'" !Of ewtlAllOO 01 IlOIIItMWlI.
Trv.~ltIlfIII\tl.. ~1l;1IIy Qfll. e.~'.IH>I1
f/I ~.1I't . W'"
.. fI,lfl~ lilt fll*'V ICI III.
It. ~. ~i/ltlJ v, 01 11M lIQ'I1t 111 ""'lIlQ (A f(llll
II..... fl(i1l1C1 /~; 11!1
f ~. f\(tI pIIlIl/If 'tMWll (;1111II""",*111 P""~
I!ffllifNRM
Wt M*'f .WlI1IttI IN ~ lIV WfiIIM f\(,IIH;. 1(1 Willi
.. IN~'" ~ on lI'if OHWfIIlMI
'(MIl ftIfi,ltfl"~ .~, WlIIIM ~ oil It;e
flffjf f!I fll1(fl/tIlIlft (If II .., II "tllWlij/ 'iIY
,... (1# !4IMfI fi IN \illlNlftW pttI9IIlIfft 14 0Ql .
~IM tI ,wNfiM,
~",,,'!jI'II,lI{~.!<t .......~ \~n.Ij" ;oj ~"H-'~
MIl
ML.141
(Ed. Hl1
AAI8
PUNITIVE DAMAGE EXCLUSION
Thlt policy does nol coyer punluye Of exemplary damages or rolaled delense cOlli, Thll exclutlon applies regardless
01 any proylalona 01 lhil polley or ,ndorl.mentl tllached 10 It.
ClC.""",11"1 MIS
MI..141
I
...............,.._;...JIf"'._ _.' '""1Jl\I.Jhikt-;.IftlI" illilV,......"'. """"."11 IqM:w"",,-,-','m '''>l'Il''-~~ -.......,
I
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I
I
.
1
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I
,
I
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A GllEEMl<:NT
ML.20
mil. 7.711)
AAIS
Thi. pollc)', .ubJ.d to all ot ill t.rm., provldu: In.urance a,aln'llo.. to propert)', per.onalllability
In.urance and olher d..crlbed covera,,, durin, Ole pollc)' period In relurn tor pa)'menl at OIerequlred
premium. II con.I.1I of 011. A,rtlmenl, Ole Oeelarallon., IheOeneral Pollc)' Provl.lon., Perll.Seellon.
Llabilit)' Covera,e Seetlon, and an)' endoraemenll made pan ot II.
II I. Imporlanllhal >,ou read .ach parI of Ihl. pollcy car,fully 10 under'land 01. covera,. provided,
>,our obllrallon. and our obll,allon. under 01. polley. Each coy.ra,.I. .ubJecl to all pollc)' t.rm,
relatln" 10 Ihal cOYera,.includln, 01. t.rm, appllcable \.0 Ihe enllre pollc)'. Eachprlnclpal covera.e
de.crllH1d In thl. pollc)' applle, onl)' II a limit o/lIablllt)' I, ,hown on the Declaration, lor
th4l covera,e,
Th. followln, Tabl. of Conllnll.how. how 01. polley I. or,aniled and wlll h.lp )'ou locall parllcular
.ecllon. of 01. pollc)'.
TABLE OF CONTENTS
^ I,..m-n i,....... ..... ......"10.'.. ,....,........ ................. ........ _,,,. ....".. t" ........ ''''I'' ,'ft" ........h .tt. .......;. .t...........,
a .n.r.1 1I0Ih:)' Provl.ion. ...,........ ........... to '" ..... ........ to. ....., of.'.. "to "" ........ ...... .H..,'..ft.',...........,.........,
Jl.flni'ion.......H.........,..................,.................................................."...........,................,.....'.'....,.'
Prop.rly Coy.r.,..
Princ:lp.1 Prop.rlY Cov.r.... .........",...... '0... ..... ......... ........".. ,"U II "Hlth' .llu......UH...........
I nc:ld.nta1 fJrop.rly Cov.r.", ..... .........,............H........,.'HI.....Utfltlhllf'.........HU.,...U"......
I!:ach..lon. Tha' Apply To Prllp,r\)' CgY.r.'...............................................................
(Th. p.rU.lha' apply to properly COY'r''', and lh.llabUhy and medical pa~m.nll
cover.... ar. on ..par. II (orm. altached to lhl. pollt)'. R.f.r to th. P.ril. 811Cllon
.nd 111. LlabllilY Coy,ra,. "HlloA.}
t'ow Mueh W.I'ay (or l.tta. Qr CI.im...........".....,.,,,,,.....U....H......."..H...'''.U.hh''.........,,'h....,
l,iaym,nt 01 LOll or Cl.lm.".,...........,................",..,,,.....,,.....,,.,........................'....,Ur.H..~IH~UH...
Wit., Yo" M"., Do In Ca.. ut IA..,..,,,,,....,...,,......,....,.....,..uufH...H............h.........;,...............,..
roJ~~~~~~~~n^ppllcable \.0 AU Cllv,rA," ......,.......................,..........................................
Condlllon. Appllcabl. wl1rllp.rly CIlY.r.... Only....................................................
1'.rUa 8ttUon /0 '.,"" ft..'. /0 ,.."......"......,.....,......".. .... ,...... ""...0 ".;.....'........ 'H......... .......~,~ ..~.,_Hf.lnu' IHfI tift
r.ril.
R,plaum.n, Cll.II'rIlYI,ulR (IInly It applicabl, \,(llhl. polk)')
l..aabiUty Co\' ,rA,_ 8.-clion "", ""....,."'''..f''. I." H' 'n,"'" 1';'.- ,"'" j I.' 1.'uiHn"up~,,,,,,, .,..... ,H~"IH~H'H"'.'Ht1. u,.'
rrinC!lp.1 Llilbllll)' IInd Mfllkllll'aym.nl. CIIY".,..
11I4ld.nlal Ll.blllly .114 Medk.ll'.)'m.nll Cunr""..
t:uh...lon.
MI,:t(1
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Cu,y.llhllln_
I'a,e
j
HI
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3
tl
7
1
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10
810 rUn.
On Pale
1'.1
1..1
Cj#l.'N/I,'/M/./'OI./n'I'ltoV/SWNS
UICI'INI1'IONH . 'I'h. (..lIl1wlnll d,fjnllwtI. 1tl'IIIy ~. Ihlli flOh,')'
L Th. wurd. )'fl"lInd YfiUf' r,f" \t.II" p",UII'" ,,'U'lfI. flllnl..1 in lh.II,dlu.Uonnn.1 )'1>1i""""'.
if. ,..Id.nl \It )'PIi' h,I....hlllll 1'h, w(.,d. "'.., lH lInd Ulff' "'" W lIl. in.II,IIf1r. ,"m I'll IlY fl..Ill...II..
Y\. Iltel.ral!lIn.,
II. 1kHI11)11nJu')' ""In. bt..tll)' hlnn, .ir~. n... ", d~..". t.o .p".on 1!\t11l4in, 'lOqlli,,,1 nUl, I.... ,.1
..,.,.1(.. Ind 4'IIh ,tllIlun, 11""("'11\
3. IhI./n,.. ""In. I uliI" p,..(...IOI\, II' ..'h., '''4'11''111101\ Infllldln.tllrmllll. all wlI.lh" (1<11"'1''''1
1irI1.. U, dI, ""IllII.t.nY plllp"l)' \4llllh'fI, ell'lw"", b""I1." 1!(1f41 0(11 In,llId.th. ,..n....n..1
"nllll. tu' ,..h',nU.1 P"II'_'. \if Ih. l"'r\llln III 'h. In. liT." """,.., n(lnn.lI)' ''''U\'i.,\
,,,,hillY")' "1 )'Olil" Iwll..twldl
4, C.'rfHIII ('u,.lln,I". an)' I.rd. 1'1..., (lIlI..,.n \;u;fk II' ""II., fflMUI dtvic.IUlI.lin, IQ, Ih'I'II'I'"'' ,.[
..bt.lllnlnll "'lIn.)', I""....f\y, I,,,,,, "' .."'lI',,"IH,lIdn, Ihd()l.n..I lncllld.d.bllrlfli,.., IIfI,)' Illiill..,
dtvif' II.... tll' dI. d'JHlIII. wllbd'IW,III' "In.',' IIll\1nd.J
6. 110"""" KmlJI'I"" 11\..111 " ...,..." 1I1f11'1..yf4 by 11\ I,,,..,.., 10 ...,r"rnl 4,,1111 in lUll Ill" lIP"
wi~h th, ",.Inlln.rtf. .., ".. IIf thl I"'IM'H "lIml... TII" Inr11l4.. "'''''''1 wll" ".II..,m
1\Q\I"h~ld l'r d"Ifl..11V 1"'\1101 \I' dill'" IIr.. 111I\11.., nAil'" .I..whlf' fllr an 1",",.11 1'111. ,i.,.. Ii'"
ilwl~'l"''''II' wIlli.. plllt1'I1f\1I111 41111.. 11\ I'#fllllf(lIl1f\ wllh In 4,.,IiTIIII'. bll.lfl."
.' /,.,..,1fI,
II ''''liI''ffI ,,"lI.n' )'IJ1I1l1;4, If I...idllllll lit ,HI~ />l#lIuha1d, ~rllII' "lalin..n4 .,,~ ".h., I"/O"fi
11M" dI. I" IIf ~lln .)'(JlU' Ulfl ur I.. I"" 'al. 44 )'U",. ,..idl"I "hlli\l"
\; 11. r"lIl,".'I,II~lhl)l .114 ~h"UlItI t'ihIRIIU, w Olh", \'fI\lII"'" (lnly, 11"14,,,11 "I."
1l14'11I4ft;
II ...." "''''1\ .., 111,""1,.11#" '....n' ,...."'..101' t", a w,..,erah or ,nlm.l '.'''fl.'t I,t ..i
m.llfffl .<<4 \<I ..huh ,k'lI !lilllnllft ......11M; IThl. ~, flllllllfl\l4, ,uno". """Ii ,,'
hnill' fll.....b II' Ilu'IU~"'!lft II' Illioo"l lilIA' fUlI'..lIf IllY kll""",.' "'1(1.".., II..
\#WII'''' I'lImilUIHIl , an4
II III1Y 1"'''''' "IIIIt PlI,tufffHJi/l 41W" "I . ~1ItfI.", II"',"P).. Iff ,1\ 1""",11
e. It >'CHl4if wllllt 11"11''''111'14" \iill J'filll<'Y. )f!III' ,-ffl",,'\(;1\ p..... t.o )'olil"l.." l'Jifll""I..I""
IIf II"''' I'lIltv/l 1111\11111 f'"~' 11m"",..,. f"......r ..( ~n'4ld prop.l1r t1\1W'~", In" ,,"...ii "I
~III' 1fII..1 '...,...."1,,1'.. Ii ",Ii 'Ii.",'" ""i, .I!~h 'N,.,I Uilntllllflf' I'll "II~"..a 1""1...1,
ilfl41f!t,al h.llIilh iOllt!i11 "1/1 'of Ill. Vf......h MI, PRt(lfI whl< It an I,.,,,,,., II \J;,IISl>1I "t ."Uf
4ftlh I'#nlll\lIf'II lu lito ..,. i"II"".I wlult! '.."Ii.... lift 1111 1,..IiT,1I 1"."'1."
Ii t:lHtt I'll'''''' Iii..... lllo#>' I" iI'.V""~ in.",,., ..104., U\III pull4"y, \;\11 Ul144_ rlltl Ir........ ,''.'
1m'" lif ",,"IIIIt' y....t;;, \t<1" ",.lIn
1. "tllil"ffI P"",i.n
. tl'lIlinl.t IA.illlllll
Ii If )'IJ1I1'''fj u.. ,.,.. W '''111 'lt4I.h lw.,1OjI lhtlliill!lo4 1ft th. (llf(I!lllllll>li', Ih. '.....,...4
I'.",IH' rr\U!I !to",~. 1.1...... jin.... ."~Illf", 1M 'Wll..... II Yi.1 ~.....I"'"
II If l'{I" 1IWI\ \ii. 1;<.."........ ", ,,,..lw.... 4_n\itit.! m th. I. I.., I., Ii 1111"0, tt., lIu~'.t.I
"."';"'11<"''' Iillil ""w"I."".....' ,.... ;......., """w.1j1nu,* fiT'" I..". ./,.11,.."",1", ......J
.., ~..jll4i4 ."t......ly t..j< ./llU' ""'....t.uiiJ ..., "'f1itl"U\AIII",,,,,,,'.1 II... ~....I"'''
el' It l'UU...1I ~ ",.. l<f ..... 1.IfHh f4/<1<,1, "'.~ ......n.... III ,,,.IJ...I.r.I,,./lI, ,", 1#\'1;"'14
,wflmUf. "'..." m......."t.,i.. "'011''", ,,,1,,...1 Jim, it"" .11...1..,.. .,'" I/''''',w. ;H!!'4' !,.....I.ll..
41 U .)1#11 ,..14, 1# I~ ~~Ilil"!..'" ~;'it .,w~'.U"" ."ilHlII'fi~ '" 1.I>!tiIl 1"."';._'
"""'.~ III Ii;;o ti,,'fItHI~.Ii.. 1M IIflllifflrll"''''''.'. fflllifn ,... ,.,11I !.t It.. ,1"..",...'1
""'.I#ffl ..1ti<<1; !fIll ,,""". '<I 'iI<."lril*l fl4.1........I' ;,., ~~Ii' /;#.....~H '''1 ...,.loM;,,;
'ijf~
11;, "ff ;'8f""M/I-....i<U.M, ..",1,.,...1.",,/ rififWo;"'" ,..I,/I.t,""Ii"~I'.if"1l "ltll, 1m,!;!." ,,""flllI".
4/iIH !#Iilmllt 1M "'11""filf
1/ ..m., ffllfl#'...." 1.../,1;4 fit !-/;IJ O""jofJlJI.j{'li.,
'II W;.. ",'fI.lJ,(f ,,/o/U flOfli.ktRl;lfi ~11I"iI""'ii<"trf'f'" !;jt/jl#r fl" tli:lI!' !;fi.l!llllilli(.~ ,j"nt,. 'I,,,
t/.JUiV ~fll4i . .
\tt-.;ti
" ,\till
I
;1) vacalllloll<l (olhfr Ihall (aIm 11111<1) oWIIl'l1 by or renled 10 1II,".ur.d Includinllland on
which II r".'d,,"I''' i. beinil cOII.lruelod for Ih. pOIlOlll1 Ult oC an ,".ured;
4) Indlvhlual or family I'elllflllry lola IInd burlal vllull.;
b) Ih. IlUrtion oC any re.idelllllll Ilremi.u. nol owned by an ,,,.urlld, while lemporarlly
occu..led by an ,".ur.d;
6) any .."ml'" u.ed by )'ou in eonnecllon wllh Ih. d..crlb.d lorallon; and
7) a....roaeh.. and ace... way. Immedlal.ly adjolnlnlllh. 'n.ur,d r.r.m'.II.,
8. M,d'cal ,.;;(p,n... m..n r.a.onabl. and nac....ry .xpen... Cor m.dlca . .urlllcal, X,r.y, d.nlal.
ambulanca. ho.pll.l, proC.ulonll nUlllnll.nd fIIn.ral..rvlell, pro.lh.lIe d.vle.., .nd .y./ll.....,
Indudln. eonlac' I.n....
0. Molor".d V.h'e/. m..n. any ..1f,prop.lltt1land or .mphlblou, v.hicl.(r'/l.rdl...ofhor..power,
number of wh..l. or m'lhod of .urC'I" conl.~ll 'nclud'n, p.rte .nd equlpm.nl. (fhl. do.. nol
Includ. .m.1I molori..d equlpm.nl for Ih. .ervlce of Ih. 'n.ur.d pr.ml... .ueh II power Ilwn
mowe" .nd .now blower',)
Th. Collowln. c.lellorl.. of molorll,d v.h,tI.. h.v. ,pIClne meanln,' a. u.ed In \hI. polle)',
a. Molor V.h'rl. me.n. a molor".d v.h'rl., lraller or IImHr.lI.r (Includln. any .Ilaehtd
m.chln.ry or .pp.ra\u.);
\) .ubJte' 10 molor vehicle 1I.1.lrallon; or
2) d..llntd for uu or Irav.1 on public road..
b, H.er.alloMI Molar V.h'tI" mean. a mOlorl"d v,h'el. (olher Ihan a molar v.h'e/. AI
denned .bov.), Iraller, or .llachad ap..aralu. d"llIn'" or u.... for rt'~ra'llon, vac'llon or 1.I.ull
lime .rllvlll...
10, Oteurr.nC'. m..n. an .celden\. Ineludlnll conllnuou, or rep..IN ,'PO'Ull \0 eub.lInll.lly .Imllar
rondlllon..
II. ''rop.rl)' 1,"11<<I'. mlln.inJury 10 or dfllrurll"n of lan,lble proper I)' Includln/llheloll oC lla u...
12. H,,'eI,,"C'. m.an.. one 10 four Camily hou", .lownhoulI, a rllW hou.., or oneorlWO f.mlly mobile
hom..
13. 1'Irm. a. u.ed In Ihl. policy m.an "rovl.lon.. IImlllllon" IIehulon. .nd d.nnllion..
"IUlI'KllTV COVll:ltAOKtI
,'RlNe/PAL "HONmfY COWmAGKS
Ccw.r.,. A . "..Id.t,,'.
Till. pQllc)' cov'" Ih. r..ld,ne. on Ih. In.ur." pr.ml..' indudln. .ddllion. .nd buill.ln
l'Uln""n.nl. .nd I\.Ilu"'.
Cuveralle A If",. nlll ('IIvtn
I. ..uldoor .nlenna', t.h.lr I.ad In wlrhlll. acn..orl... mll.l. .nci wwtr. ,lrIIP' .. prllvldlli und"
Incidenlall'rllllfr\Y COvlla.....
2. d.lath.bl, "\lII4In, I~' CUVllfd uncler ClIver..e C ' I'trllln.' I',oparl)'.
J. rarptlln". CuNln' or dflpt'., .11 wh.lhff lIr nol p.rman.nll)' In.\llIad, CClVlled \lndft Cuv"llI' C .
l'trton.ll'rllptr\Y; or
4 Ire", pl.nlt. .hrll\M .nd lawn' .1I.pl ,. provldtd under I ncld.nlall'Jllpt'rIY CoVlr....
('{",.rel,. n. H.leI,1Id I'rlval. Nlrut'''''' on Ih. ,.,.."',...
'fhl' ""hey rovtr. ,,1,1<<1 prlvalt .Irurllll" un Ih. ,n.u,,,tI p,,,""'.' which .,ellll\ .IUlrhad \0 )'u..r
,..,",nt' 1141rutlur.. ('un II at I..! I() Ih. ".Id".". by onl)' . C.Uff.ulllll)' Iin. or .lmil.J tllnnK\lun IU.
l~.n.ldtred 10 b, r.lalld prlv.ltI.lrur\u'fI I Thlt l'UV"fllllndud.. f.nt", drivewa)'., .Id,w.li., lU\'\
ulh" ,.rm.n.nlly In.lalled Uuld(l{1f Ylltd n.lur..
CuVlJ'" II ...... nol ruVl'
I .lr1Irllil" <1../1"..1 "' 11...1 rUI bu.I"".., 1I1"w.VII. Ihl. .uhl.lun t.lolI nql apply III tl,odl/'"
1",lId. h.14 tll' "nlalll' ..lhtrlllrl.. 0_..1 ...I.ly till \lllv.l. ..,a.. p,,'VO....,
'1 "....\JIII' .lIltI'1Il1l11ll:11I4111lf lh.l, 1.1I.llfI ",I'lfI'. .n....O',... ,na,1I1I1\4 WW.,.. .u.pl.. ..,,,vl.t.,1
IIIJlJ.,IIIIII4.nlllll'llIlI.rl)' l~l/v,',"'"
.} ~...h.bl. "lill4ll1' II."'" ~"v""J on.tff CuVff.lI' C 1'.,,,,mllll,,,,,.,I)';
. ,.,v.llnll. U14r14ll1.. IIr d'''I/.... Nil wn.ll,., III ""\ lI.rmlln.nlly 'n..IIII1.... ff.l"'''..t lind., CIIu,lIl1.l' .
J'"wll4l J"'Ili'tIY; II'
i Ir...., "I,M', .nfol... "IlIII"w".. "1"1'111' IlrIi~i,j"", I,II\,J.,I Mltt.fllIIl I',",erIY CIIV".....
\II ;\1
.\,\111
J
(<1l"'ff/ll11 c:. /',".'lflllll',ol""'Y
I, Whlh. Oil Ilw 1".Uf"" I'n.ml..,.. Thi'llUhry ,,'uven l'er,ullllll'ruperly UWlled by ur I" till' ClIll' llf
"" /1I.(/ft'II, ,\ I YO'"' OIIIIUII, lhu pur,ullull'ruperlY uf lIuu'l.und dOIl",.I/.. elll/l/o.v""" '" "llVI"'''!
whll. "" thllpO.1101I uf tho /II'U'"'' 1/fIlIl1I,e. u<,('upi,,,l ..~c1u.iHly by an /II.U'.."
'I'htl I'uverall' nl.o Indu,It.,:
u, all deIRch.hl.. bulldlnllll..". .uch u.uwninll', .ereen., .Iorm door. and window., ullll windllw
nlr rundilion.n;
b. carpeUnll, curia In. llnd drape., all whelher or nol perman.nlly In.l.lllled;
c. ,jutdoor f<luipmelll not permAn.ntly in.IAlled; and
d. bulldlnll maleriAI. nnd .uppll.. local.d on Ihe III.ured preml,lI. and inlended for u.e In
, cun.lrucllon on Ih.III'U"d prlml'lI'.
O!. While ^way from Ihllln.urecll'reml'eI' )'ou may apply up 10 10 "ereenl of Ih. Covernlle C
Iimll of lIabUlIy ur '2600 (whichever I. munl to cover penonal properlY owned or u.,,1 by nn
III.ur.d, whU. away from Ih.llI.ur,," prlm/.e., anywhere in Ih. world, Thl. dOli not increuu
lh. COV"''l' C IImil of lIablllly.
3. Llmllallon. on Cerl.ln Properly' Thll' .peclalllmll.l do nollner....lh. Coverulle C Iimil of
lIablUlY, Th. .p.dalllmil for .ach calellory b.low I. Ih.lOtalIlmll per occurr.llce for all properly
In lhal raltt,ory:
a. '100 on mon.y, bank nOlfl, bullion, ,old olh,r Ihan ,oldwart, .1Iver olhff Ihan .Uverwnre,
plallnum, coin.. m.dal., and lIuml.matlc properly;
b. 'bOO on .tcllrili'., ('Olllllltrdal paper, .Lamp', Ilhllal.Bc properlY, liek,l.I, aCCuullt.. .Iu~d"
.vld.nr. of debl, pallporl., mllllu.rr1tll. unpubll.hlld work. and fJthrr valuable pup,n.
(Commtrcl.1 paper mean. drafl.l, chee " ctrllrte'llI uf d,po.lt .nd no lea olh.r thnn bonk
nul... Incllldlnll n"ollabl. ord.n ur wllhdrllwaU
c. $600 on J.w.lry, Wllch.., prvciou. and 'Imi.preeluu. .tontl,lI.m. and fun;
d. ~ on ,lIn. and llun arr...orln,
.. 'WO on walttrcraflineludinlllh.jr Irall.,., lM\ulpmlnl, aCC.llor!l.., and oulhllard rnuhlrl;
r. "000 on .i1v.rwar.. ,1uldwar., plwlerWllft and II.m. pl.lrd with '(lId or IIlv.r; or
II. "000 on molor/,t'd l'.hlrlre u.,.,j to ..rvlr. the In.urrd pr.ml'lII and nul dnillll..J or
Be,n.rd for lilt on \Iubllc r(lad..
Th. followinll prop..ly i. rov.red only whil. UII Ih. In.ur.d pr.ml... and i. Ilmitllll to th.
amullnll .Ialtd;
h. "'\00 on bu.I"... propmy or Qn)' III.urrd; or
t "~l on dl.mounlld 1'lIml'.r bodill and lrail.,. nul u..d with watercrafl,
t ".,aonall'rupnt>, NIII Cuvertd . COVlral' C ,10,' not rov.r
ao prop.rlY covtr.d by any .rh,duled In.urane.;
b. animal., il\lKltt, bird. and n.h;
c. molorl..d ""hlcill' Inrllldlnll Ih,ir pari. and fIllllpm.nl, urept tho.. v,hkl.. u,...1 III
..rvice Ih. 111.lIr.d pr.ml.... 'UbJllCI ..lIlh. I.lmltatlun. Oil Ctrllln Propttrty;
d alm.n inellldinlllh.lr 1'lHUland fIlulprn,"1;
., bll.I"."l'roperly whll. away from Ih. III.ur.d prtml...;
t. l'ruptrly of room,,. alld I,".rd,r. wht! are nulll1.ur.d..
.' u\ltdtlOr anlttnn.., Ihelr I"dlll wlrlnll. .rnllorl.., m..... and IOw.n, .1l1',pl a. pwvl,I,,1
\lndtr Incid.nl.II'ruptrly Cuverllll";
h. Irlt., plllnlt, .hrub. Iln,IIIIWnll, Uf'pl II' provid.d 1I11l1.r Inrht.ntall'rop.rIY C..~'r~lIU, IIr
i Iny d.vin. .('I',tlorl... /Ir IInl.nnlll tllIl.n...1 for rtpr04udn., ree,lvlo., Irlln.mllllllll.
r....urtlin.llr "IMYlolI blll'k ,111111. Illluo.1 or pielllf.lor any f\hn, IIllt, wlr., reeord or IIth.r m..h..
,1t.1,","" fllr UII with '''I'h ,1.~h"1 whll't! mllY h. up.ralttll lrom Ih. .llOI:lrklll .y.I'm of II
rm,tl1rl,.d l."hltl., fllrm "'t"'VIII,nlllr ""IIIMn'rllll whll. In I)' on th. nwlurl."tll'.lIIdll.
fllrll\ lIlllllpll1.nl 0' w.I.r.f!I/L
('mo,,,rll,II 11. AtlI/WiJlUIll.ldn, to:lrp"n.,1l1f11J wu 1111111'" ()Jv.rll,II
WII pMY .ny n.n"II'Y /JI'11 ....l/nilbl. Inn.II" III hVI"1l ",,,,,,.. YIJU IMII' to m.int.in Ih. II/J"'''''
'lllnd."hf livlnlll,1 )l.IlIr IWllt.I;,,14 II (II. In.urlltJ pfllml.., /1' . (Wrlll'll 01 th.III.llr"tJ pr"ml './1 'f
"'iII1, '11I1\1 fl,r IIUilll'lIlIH hy 1111 In...,.d "i.. WII 1111)' /inly I", III. ".rltid IJ( IllIlt r....unably r"llllrtn! u,
1Il1l1t.. Ill. tluli",d 11'"m'.II' I'll ((.if ''1li'II'/tIl<iY '" 1/, ..HI. Yilt#' hlill..h",ld iJln.... 'llI.HI.r.. wl1l4 h.v.r '"
i.... Thill "mild ,,111m. " ",,11111111..,1 hy Iii. l",iI.)' "''loti
\II. :1I
,\"'14
.1
;..... ,
11'" I'"Y (u, 1I11Y I".. "I' /l'III' III III"II~. ..,.Iil"".tll" ,1'flU" Ih" ,,,,,I "111..11I..."..//,,,"11'.". /l."",tllo
"Ih.n illllll<l. ullfil 1'", """1""" V ,1111' I" IIl1 ",>,,".d I".. II',' l'ilV ",II y (0' lit. 1'1'",.,1,,/ I"". ,....,,",.I,J y
""IUIII,<I 10 milk. Ih. III.U,...,'IIf'.."'IO'.. lill." '" I "I',"" Y P' 1I11111 )UU' Io.."nl,ol.\ .. 1""",,",'"l1v
,elucal..l, whirh.vI" 1.1.01. ,"".. "~I n'lIl' IIlh. ,'"10,,"1 )1114 "'flul.1 h"'.'.'I'I",j J...llo. \ 1""11""'"'
I'XI'.IIIU Ihllldu 1101 I." II 11I1 u. ",1,,1.lh. ill.un.dl".."".... ",. Ulllillll' "II "I'UII< v ll.." 1..,,,,,1 "I !H',"
II ""Ilimilfll \ly Ih. 1)lJliry ,""1II1
\l'lIl'lly you. 1l,ldiUOllallivhlll npun...lll1d 1,," (If ,.nl. lu, II p""III of UI' IIII"U ...k.lf Ihll".",I...
Imm,dlllt.ly adjulnllllllh.lnlltrftll p'lIml.". IU'lblll~II..1 trvm Ill'fflllntll'IIl1 '11.11111 by 11I1.\,,,lIr 'i.
llOd YOIIII"l'rohlbll..l by ufdff of civllllull\iJ!IlY hum ulmllllt. '".II"lIp,.IIII.II. 'thl.j'tlfIIKt "I' lill\'
i. nul IImlled by Ih. pulle)' l'tfl(l(t
Und., Ihl. CIOV"III1'. WII du lIul Ply ..p,n..' dU' w ,'.nnllllllvn (If In)' I.... Iff wfllt.n Ul ",111
nllfnm.nl,
INCmKNTAL l'IWI'KlfrY (:(W,.,'ltACJ/i.'N
Thl. puUcy provld" lh. rollllwlnll hwid.nllll".llptrIY C\lvtr',,,, Th... Infl4.lIlAl Cll/vtrllll" 1111
.ubJect tel .11 of lh. ,,,III...r Ih.IIPpliubl.I'rlnelp.1 r'l>p.rlY Cuv".r" ^.It. of C. 'fh'"lIlt'ld'!HIII
Co V".," do IUlllnc"." th. IImU or liabllUY .1.\ttI fll' III. ","wlp. ",vptfO' Cunfllll"
I 11'lIIoval
., Rmer.,nI'Y IC,muv,,1
I) W. P"Y fur IUI' tel wv.rlld p,uptfly wll!lt ,tIlJIl/vt4 f.Il'" ,h. '''.II,H ".f,,"'.II. (u,
pf...Nallon rfl.m dllmAII' ffllm 1'".1. !IIIII'''' .,.In.' Murh pr~PfflY \I {'\Iv.r'" 1l1l.11I1I
dlrtCllo.. f.um III ,I.k. Ilf phy.iclll(lIt.l\lJt ,ptCltluUY .u11l4td IInll.f ""ijll.liey. fM ;l
p.rllld lip tel nv. d.y. It i. f(jvtrtd .._In.1 10.' f,,,m '/tJlI. In'II,1I4 1I'llIflll Ill' ..II
Iddlllon,1 ~II d.y'. "111. eul'''''' II..... 1M "",14 ".,1111. ,,"lf1l1lll/\ 41" ('It dllll'olln
ill Will PIIY uti w tWO l4.wlllll ell.fU w mil" II fllV!If..A 1fW1il1. Iwm. ,114111'''.4 \;l' · !'vlll
In'lIred 1..ln.1
b \l.brl. 'htmov Ill, W, pal' fur III. """'VltI "f 4.1<,,, "f f~l'"td I''''I<''fl)' fylluwWII lln 11I'Il,,,,i
10...
~, Ch.n,"ot\.(if.IIQn. Wh.1I )/111( 11...VI W III11fjjj.r kJe.lI"n .hll. )'(11( 11I1t#4... f1*fI,,"u,..'h
".Id,:
II Ih. ellU.IIl' (: hmlluf lI.bllily lIJt~h.. II'''''~.' f~ll ~J1'Wf\ fr;,,j() 4n. t"..m Ih. ~"l.
>,011 Ii..in w mllY' bill nul..ltl'ldlll/l I'lln "'. ..,if.Ill/A 4.... ~f Ill. ,..ilO';
~) P,l/lllfIY In Ifll.Ilfll i. f\lUrt4 ...11l.14ifllt' I".. 'wml'f"l, illltl"t4 ""Illlt' fur IIn ."'''11111
liP \U III ,1I(,nt uf Ill. ('''l'tllIlI' ChID.....f 1,,1r11i1Y !if ,~, wlllth,vff .. m..,.
Wh.R )'(jIlIlWVf, thlt CI\llIlj/' !if \,t,nll"/; W""iJII' 1111111.. III .l~, it lfMH' ~...."..' 'M
prllllllO' Whll. ^waY f,lIm Ih. \1I,",..t 1',,,......
:I. 11,.'1#,.."".",., ~n;'H ('1\(4,_, i fl'" 1l1'l'lu"iil,l\fI MI'lin.. N.. thm,.tllH, Np Mnlill "I
New York)' W" '11)1111' W 1,"0(" 'ii' lh.,." )111( .f' "jjj;.,....iw',u' It..... I fif...,ii1f'ffltfHIffllll.'l
to Ilflllf('l the ,,,...,,,11,,"11I1.,. !r"m l'.nl. ,,,...,114 "II"'M'
J. e",dll (..,II, "'m''''~ ami ('011111""'" ,t/UllII)'
I. W. pAY \lP \U 'UlllO fur Ill" 11I".11"" \;1' I" IIllflll''''' w~n I#it /MfW....
I) \1<<..."," \..,\1, l.lillll"I'" It. II'" lu, u.. .filltftlwr\Jtd .... if "fitU .,.,t4. l"li..1 H'
r.,I,t.rtd III Ih. 1".11,,4', ,,"I".,
~I .IIN.n 1l1....lhrullj/lt Ih. Ih'lIt1fl' '" "jH"~Il"1l f*f "I,...., 4""", ~.w. it ti."",'1 ,lid
JIll'" Iflfl...li"1l f\VlI""4hl. ""i..n .., .."t\4,...ut ",
[II ""'"" III .,.Kt ""11; . ....I"'fl.!1 \. MI"! iiliilt.4 ..I \: "llli4iil!t ,.,.. l!'lHf4lM:i'
II, W" 4" Aill "M~ ,,,' \<... II
II tll. ''''I("J Il.u ""1 .'.m~H..t ,.lIlt 1li4 Hi''''' lff!IUI lOti..,. ~"ffiU ,.1iI Will ..."",j
~i Ih. ""I' II ........t t.1' Ulll .j,..t~"l..h ,,' 41l '1f.,.,,,II,
:1, \hI I.... ,....IIIt tWII' bf#lfUlt' !M<U*II#,4 ..t .." mtl<fffl:.
., Ih.\!IJt.il,,,..,, ...hll. II ".,0;,1'1 ""I!lItIl"lII'fIfI.l'i<tj~~'!MHfHi#lMftl.im illl
/ft,,.,,,,', "."Ili,....'" 1.1
fll ~ 1111I. I,,,,,j... if "....it 4"r,.n ...,,1 ", ~.M' ,jJo"Ho' w/i4 tNf. ~ ~4 tlHr,M,ll""..i..,
f,flm!tf" <I' ,~,..t. .
. rr,,,,, "/Im'" /fIJfHbrt /#fIII/flIHUt r'lll ,,.,.,, ,,",. 'Iff /;It Iii ",,~..IlHtllM~i,"l!fq.4; Imm..1
11i4~nhIV !It ...,,,, I'.... "liili/A. oI'lfiil>., ..,... ,,,,"fl" "fI f.ttilIlf.fH,,,4lffll"'~1I W" J*t flffl'1 "" j.....
Mt,to
MI!i
.
,'auM"d hv 11ll' fllIlIlW\lI~ p~nl.' Flr~, Li~hllllllll, 1':.l'luI,"n. Hiul. Civil ClIrnllwllllll, AirnulL
V "llIrlro lIul uWlwd ur Il11l'riIll''' hy IIn IIITUI"",1 "," Ihe l'l.ur<,dllrellll.....11I1I1 (ifhuur!',1 ulldl'r Ih,.
pIIIII'YI V Ilndahlm. Mlllir"'u. Mi.rh,.f or Th.rl W.. Illl 1101 pay m"re thall S500 fur uny lJllelrrl',
pili III. .hruh or I"'rtlollof IIIWII illdu,lilllllho clllt"f relllUVillllthe d.bri. IIf Ih. COV.,l'" ill'lIl.
IV.. do 1101 rov.r Ir..I. phlll"', Ihrult., (If portion. IIf lawn:
II. IIrllwn for bu.I,.,.. purpOOI'M; or
b, lorlllod more Ihan ~~o f.,1 frllm Ihe rlllld..lle, on Ih. III.urld prIm"""
1\, 1"f11101lI'./mprol'"mtlIlU atld /IClII..rm,"U.1f you allll \IInanl, you may apply UII 1010 perrellI
of th. Cllvlrllll' C Iilnilof lIahility to coVtl tliflocllo.. by peril. in.urllll allaln.1 to l'"mllll.lIl
fill Illr... alltrallon.. d.cunlliolll l\lId alld,llllnl 1lI.lalled nn Ih. IIt.urld ,Irllllll.,. Illld made ur
.CIIlliled al your "11.n..,
,I. (.'cmdomllllum (l1l11.OIl',,,,'r ,'ddll/IIII' ,I f Ih.llI.urlld pr,mllCllart acondomlnium.unlt. you
mil)' apl.I)' up 10 10 pm,nlllf Ih. Cov"... C lilllll of lIahllll)' w eo'tI direct 10" b)' p.ril.llllorl'd
allalnlt III p.rmanenl fillulel. IIllfralion.. dll<'orallona or addition. you IIwn wilhln your
ClIndornlnlum unil, Thl. duu. nol IlIclud. pRIll uf Ih. buUdinll a\ruelu,.. 0' other properl)l lurh III
utilit~ \In... .lluated ill ....m.llt. wllhln Ih. unll,
1. Ou/dopI' A,,"ltlla CUI""'" . 1\', IllIY up w SMlO (or dlrlPC'l 10.. by peril. In.ur.d 1l1lainlllH
lIulltoor anlennn. indudlnlllh.1f I..dln wlrinll. .c.....llrl... mllll. IInd low'/I,
J.:.n:"USIONS 1'/1;\'1' AI"". t'1'O I'I/()I'f:lfn' COVf:IlAGKS
1", dll nol pa)' (0' lOll r..uhl/lll d,,,dl)' 0' InllirKlly fllim:
I. Ordllll""" 01' I.aw .1'hlo In.llll. 1..11 or illcnlll.d CII.t rllllhlnll from .nfure,mint III' 1111)' rud.,
ordlnane. 01 law ftllul'IIt111 Ih, u... ('UnlIrUI'IlIlIl. ,.pal,. 0' dimolll!on of . buUdlnll lIr "lh.r
1I'IlclUff Wh,n brtlk.....1' IIlill' ill'OV'lfd by Ihll polk)'. 14'11 pay tel rlplote' darnallI'd 1111111 wllh
laf'IY IIla"lIl1 matl/llIl. wh..r. rtolluitlld h)' ('llII.. ordinanc. Ilr law.
. (,1l'1t AlllhurllY' Thlllllun.l..u, IlIdudlnll ..1,IHf, runnarallon or d..uuctlon oftlru("rl)l, rau.rd
by IIld" (It any d,lIl1ulhunty.
If., VaY fill III" rflull1l1t1 In""l1l'l...( d..lrll('Um, by rlvllauthorllY tel prtvtllt Ih. Iprtad IIf falf ill
1<1011 ill th. nft dill not "lIlIllIal. frtlln illlml "c1udllll b)' thl' pollc)',
I Nlle'/'III' II/uord . 1'1111 1I1.l\n. 11111 1'1\111,,1 hy nuel..r I.artlon. nucl..r f.dllll/ln or ,lIdioll'lIV'
clllIt.mlnaliun (wh,thtr fontw\ltllll" Uhl'lInlrllUIIi IInd wh..thtr cIIII.1Ii b)'. conlllblltlKl 10 01
11I.,a,.lId by any p.rilln.Il,('(1 a'lln.t b)' thl' poIlC)lI. t",.. cau.." by nuel..r h..arll.hall nul h.
,,,,,,.id,,..ll,," 1'1111_.11 hI' (iff. '!IVIIl'IO" '1' .m"lt., Illlw.v.r. 411f('110.. by nil rUllhlnll f,vmth,
nlll'l,a, htuard i. (,tlnr,!!
. Will" 'fhll m.all' und...I.If.d WiIf, rlVII ""III. In.llfle<:lIun. ,,\I,lliun. llvulltllon. wl..llk. lIcl by"
mllllary fOIl" 11/ llIIlilarv Vltnunn,1. III d,,\rUl'tI"". ...illl" u, II" of VIopttt)' for a ",illlilr)' POIV''''
Itlhrllld" any l'on'''llllnc.tll any IIllh..., IlI.rharlllol.. nud,.' w,apon .hallb.d...m,d.. walhlit
"I" .nn if .reld,nllll
~. NI,llt' TMa 1II,lIn.II,1 i\ftl hI' ..n In.urt!cl14II1'''U ,.llIonabl. 1II..n. \II .a" rll,.,1IIl plop.,l)' III
.lId alw, In'lIm,,,f allin, 1I.lom I1I,an"ll'IIllI't b)' .n)' III.llrlcl141 U.. 'II ,...onll\.l. m.an. \0 uv,
jlftll "raall'''' r~lY..ad 1i1""""I)' wh'lI .ndannr",,\ by a ptrll in.urlli a.aln.t,
II "'..."" ."u".",.nl of /In,Y Kind, 'I'hl. 1,1c\lId.a. bllt la ntlt Iirnltlld Ill. ..rlhqllak.. lahd.lhl..
1fl1l4nnw. fifth 11I1klAtI it"..! ,ituh /I'HlII III _hllllnll.
W. Plly fn' 41rfl(t I".. t.. (iff "1,1"'1"11. .Ifld Ht ('lIv"lOlllw Ihlllmllryllh,(t ".ulllllll frorn ,.rlh
m""m,1It
1 WII"" ',"mfl" Thi. "'....". I.... I'l1u_...1 Ii.
d lWtHl. ...rflll" w4l1, W"VfI, "".1 Wit""" "",fluw uf II I,llli)' 01 ""iliff IIr ,prav fnlltl 1111)' uflll...
",t.-Ih" wln,l ,IIIHIl ,,, "..I
~ ...ltt" ..hl,h 1...,11_ ~It ,twI""h .....,. ", .!rllln.. "'
Ii lIillll1, l';.,I#w ,II' OIiI,,,,,...(I.II. am'iII.l, 1/1I.Iljlhl1l1"'.'" whj(h tlffUl II"nllr...11 III ...,p.n,I...,
ttlm'lllh ,,' II1t1i if t.~'~lllr'i, ,111...11111. II'I~''''~'' f'IIl/l.1;ttloifl. .wllliflllllll lI'''il", "th.' WI/(lU".
W., "41 ~I' "lffl.ll.... III (1/.. "'Jlt"",m ..,,"lit ,'luI"llIn.kl thl'II'IIWYI 111.'1 ..h.dl m..Y ,-,ult,
/I #'f>>U/"" /nurrup,/i,m ' 11114 "IfMI4 ~,.. ('''/fIlh. 1"U1rrnllwm "f \III"'" II' 'ith", uUlll)' ..,~lt,.
,..,,1'11111 frum ..fIII4ij..... ,.1I"lh., 1ft"l/r..,1 !lTI"" Itll. 1I',Iwy '" fllit, If iii. m\.t,'lIlIllII/1 tll." pl/J/:'
"'.!'if 1 "lilli Ill. IIUI#'1/4 Q/'fIlni 4n
~H 4'1
,\,\''''
"
",t
W"llllY flit ,lift'dlo.. by IIp,'ril illlurNllllllllnlt which lICcun "'lth" I,uured "rlm"H<" III Ii relultol
III1Y InterruptIOn (If power.
\I. Ilu'/Ill'" 11I11'rru"llolI . Thil lllellllOlo.. re.ultlnll from the interruption of bu,/flC",
IlL Wear II/Ill '/'l'ur . Till. indmlel dnmalle I'liuled by marrinll. deterlorotion, inherent YIce. latent
IId.,.t, ml'ehllniclIl brellkllllwn, ru.t, wet or dry rot, corrollon, mold, conlilllllnution or 'mOll un leI.
1'lIu."d hy II perillnlllred nlloin.t hy thi. policy,
1I0W MlJCH Wi': I'A Y nm (.OHS Oil CLAIM
I. Under I'ropert)' Ow"rll'l/':
a, Property 10'''. ar..eUled on the ba.i. o( actual ca.h valu.lncludlnll dlKluctlon rord.predation,
how.v.r CllUlld, (lr thelhplaclm.nt Co.t I'rovl.lon i. mad. part of thi. pollc)'.lo.... und.,
Cov.rlll' A .Ih.ldence and Coveralle II .n.lllted Prlv.te Structure. on th.I'reml... are ..ttled
accordln. ,to the tflrm' o( th.t provl.lon,)
b, Our 1.110" of 1.lablllty . For lOll to proplrty, W. 1")' th.I...er o( the (ollowlnll amountt:
1) th. appllcabl. limit of liability;
2) .n .mount not IIr.ater than )'our Intln.t in the property;
3) the co.t of rlp.lrln. or rlplacln. Ih. property with mal.rl.l. ofequlv.l.nt kind and quality
10 Ih. .JllInt practicable:
41 the amount computed after aPPly In. Ih.deduetlbl. or olhlr limlt.tlon applieabl. to th,loll:
6) the actual cuh valu. of th. prop.rt)' at the tlm. of 10.. (.lIe.pt .. provided under the
R.placem.nt Co.t Provl.lon. If .ppllcabl.l: or
6) 'applill to mobll. homll only atyouropllon) Ih. amounlequal toth.dm.r.ne. b.tw..n th.
aClual ca.h valu. of the property Imm.dlat.l)' b.for. the lOll and lte .ctual eBlh v.lu.
Imm"lIlIt.ly a(tlr the lOll,
c, CHduttlbl.
I) Th. dtductlbl. .ppll.. to th. (ollowlnll I'rlndpal I'rup.rt)' Cov.rlll": Cov.r... A .
1t..ld.M': Cov,r.I' U . n.lllttd flrlvllll Struelur.. on the I'r.ml..., .nll Cay.r.I' C .
I'.uonllll'roperty, Ital.a appllll to lh. rollowln.lneld.nl.ll'rop.rlY Coverll.": Chllnll'o(
1.oe'llon; l>.bri.lt.movlIl; Tr'..' I'lantt, Shrub. and Lawn.; T.nIlM".lmprov.m.nt. and
1l.lttrm.ntt; Condominium Unit.Own.r Addition.: .nd Ouldoor Antlnnll Coveta.l,
The dedl/cllbl. .ppll" to 1111 p.rll. In,urlltl '1II1In.\ unlet. oth.twlll u.t,d In th.
(l<<llIratlon. or In)' .ndorum.nt.
~) W. PI)' IIn\)' that ,.r\ ~r lhl lOll ovar lIl' deducllbl. .tal.d In Ih. O.dar.tlmll IIr
,"dontl1l.nt. Nol mort Ihan on. deductlbl. .ppli.. p.r ot"arr,n",:
31 If (ov.,all' I. olhtrwlll n.lricttd b)' .ptelal limit. of Iiablllt)', our liability mu.t b.
"par.lIb computed und.r b"lh Ih. dllluetlbl. .nd the ,p.d.1 limit o( lI.blllt)', W. paY th.
I....r of Ih.two IImollnlt.
d, 1,('.. tOil l'al,.o"!W' .ltthtrll.lll" to IIn.rtlcl.whlch I. pl.nof. plllror Itl,14" .r"lOb lI.bl.
rur II r".oll.bl. propllrtiulI Ilr I:'. vlllu. uhhffnllr. pII,r ur tit. "nd th. Iou I, nOHon.ldtrtd Ii
lolalloll lit the plllr Ilr tit.
'J. (1nd,,.,,.,,0/1111 Llllblllty And "',d/('Il/l'llym."'t. to Oth," CUlI,rll'" .1'h.Umlte oWlblllty
.uted In the [ltel'rlI1on. .r. th. rnuimulllllmuunte w' pay (ur 10" In Illlnll. uteu",n", undlt
th... (0\,".1111. r.."dl... of lh. IIl1rn"'r 0(:
Il. per.\lnllnlllrld Ilndar thl. polley;
b. p.rt'lI wlw .u.lllln InJllry ur dlma..; or
\I. flallll' mild. or .ultt UN,II.hl.
"1)'III.n\ 01 1I cllllm IInd.r Ih. M..dil'.1 l'II)'III.nte III Otll." ,'lIYI,II.' do.. nul ('on.tltute IIn
lI4/1li..hlO Ilt 1i.I..hly und" Ih. 1'.r.urlllll,llIbllltv (.)Vlra..,
,I. I,UllrllMfI Vndfl' .~IQ'fI Thon Om' (,'ol'''A'.' UmuII thIn llntCuVIf'II' llhhl, polir)' in.urtllh.
f.m. 11l1t. It'll VtlY n'l m..r. than th' 111"111111 dillin, 11,111 IIr dllmill' ,1I,tlIlntd.
. I,IIIIf''''''''' (JAd",. 1~11l" "'''II'' Om' l'ul/n. If th."I. olll., nh.hnd fQU.c:tibl. IfIlIII,.fleI which
Itvvhl' \II"luII..' dilllll, "' Willi 1,1 iI..~tIIlllllil,.1 ill th. ,blllleflll thi. pIIlw)' .lhtIlU"ranc. "nd.r thl.
JIlllwy .".11 114 l'IIf).,d.,.,1 .H".' 1II".Wlnr. ilflJi .hall IIlll.VIII)' "r flllltrlbllLt \II tht pllym.nlor III)'
1..11 II' d.ilU IInhll.h. iI","'int /II ''1ft. 1,1/1., illl'mmrl ~ nhllll-'I.4oll.
fl, H,.tIJl'at/JJf\ IIf l-/m/t Ilf LI411l1U,'I ^ny 1'/1"1111 pllY 1In4.,ll",. pllll>:)' 4fJlJ. nlll ,WI!lt('tl.h. lImilll of
h.tnhty
ML;:I!
A.\II!I
..
l'AVTtn:NT IW !.OHM Oil CLAIM
L l'ropl!rl.v COI'I'rlll/f"
R. Your I'roperl)' . 11'11 will IIdjU81 1111 Iou" wilh you. t\n inlund lOll will h'I'a)'l\hl'1~ ,Ill
aner a .alilfl1(lur)' pruuf uf 10.1 II rll(elYlKland Ih. amounl of Ihlloll hal bv.n ..'at,h.1i
ellher h)' wrlUfllllllf@l!lI1flll wilh you or Ihe n1lnll of an a"prallalaward wllh uII'II)'lIIol1l"
b. made 10 you unlu. IIlIulher lOll 11l1)'ve la namtd In Ihe policy.
b. AddlllClnall.lylnll Y.llp"I""a.1 flh.ln.urlldpreml... ar. mad. unftl for IICrupanc)' f,,, m/
Ihan on. monlh, COYl'rt.d up..n". will bll paid on a monlhly ba.11 upon .ubll1l..I</I1
realonabl. proof of Ih. III.ured', expen....
c. Uamalf. 10 Penon. I "roperl.)' of Olhen . AI our opllon, an Inlured 10.. W Plul''''Y
olh.u ma)' b.:
1/ adJulled wilh and paid 10 you for Ih. accounl of Ihe own.r of Ih. propIII)'; or
2) .dJuII,d wllh and Ilallllolhe own.r. I'aym,nl10 Ih. owner dl.charllll our "bllllaUulll"
III.ur.d 11110 Ihil pro,,"rly.
d. Our Opllona
\) W, hay. Ih. opllon I,,:
(a) pay Ih. 10.. In mon.y; or
Ibl rebuild. r.palr or replac. wllh prolllflY of equlyal,nl kind and quatll)', lu Ih. n (,
pracllubll, wilhln. reDlonabl.llm.. WII mUll 111'1"Ih. I",urtd nolle. of llur Inl.1l1
do .0 wllhln ~IO da)'a afh,r I,celpl of a duly ...euled proof of lOll.
:.!I W. ma)' lak. all or allY parI of damalled propnlY allh. allued or 1111'181,,<1 VMI.f "
properlY paid (or ur ifill aced Ihlll bft'lI"It uur properlY.
2. Llablll,y ColO,r",.. . Any p.non. who ha. ..cured R judllm.nt11I1I1n'l1111 III.u"eI fill Mil I"'.'
Iou or ha.liabtllly ..Iabll.hfd I>y a wrlllfll Il,,,.m.nl b'lween Ih. claimllnl. an '","rl"l.ml...
.n'llIl'd W ,lIConr und.r Ihl. IJOllcy W Ih. ul.nl of coverall' provid.d,
WHAT YOll MUST no IN CANt: OJll.OtUI
I. Notlt.
a, In rlu, of 01011 tlr If IIn I".ur..d bf'Comll IIWllr. of IIn)'lhll1l' Ihallndlcalf.lh.,. !III_hI i..
c1.im under thl. policy. h. or .h. mull:
II promplly III.. "' or lIur all.nl notic. tin wrltlnlllf rlqulllfd);
21 nOllfy Ih. polin whfnlh. act cau.lnll Ih. 10" I. al.o a vlolallon of law: 01
:II notifYlh. credit turd ,'ompan)', if Ih. lOll !nyol... tr.dll tard..
b. 'rh. nolll" 1.0 "' Inu.1 .Ialt.
tl th. 1","""" nlllll., Ih. kind IIf I'olic)', I'olley "umbt! .nd Ih. Iltn.. 1,lo.~, <t'
drcum.llIn(.. IIf the 10..; snd
:.!I namll and !Iddl...n lit !IllY pol,ntuil chumllnl. Ilnd wlln......
:1. Coop,rallo". Th. '","r..d IIlU.II'oopfral. wllh "' in perfllrmlnll.lll1e~ nqulr..1 \Iv Ih11t,..lil
a. Vplll""" p.,ym"II.. 'I'h,I".u,,/I mu'l nol, U(fpllll hi.or her own ro'l. vlllunl.lIly Iftsk...,
p.)'m.nl.. allum. any obU,allun.. pll)' IIr ol'f., an)' r.wardl, or Incur an)' 11th" ..p.n... '41.,,1
."",lfte,lI)' p.rmlllfd II1lh. followll111 parlllll.pll,
4. Arhlllluno/DwIl... 1'N'p"t,. ('rll,.,r",..
a, Th. '''''''lId IOU" .I.u;
II IlIk,.U fta...,IIIM. .lwl/' lu IIrol,"I,'uvrrtnl IIruplIl)' liland ,fIt,.n i"'ull(llo..\# .....
fUIIII., d.ma,.. (W. II.V lor l.p.I" ..IIlch lilt ""lUn,bl. alld nlf....I)' tOl \1",1.., It
111\11'111)' flom t~rthff dlilllilll" I'r"YIII..d Ih. ,,,.,,,,d k..p. In lImlt.1e ,11(,,,,4 lIt .lil
"p'n...., TtI....lIl1)'''''n...'Jo nlll Incl....lh.llmilll' lIabUlIy olh.rwlH ,pl'hnbl. lu II
,,,"1 lilll.l
:II ,uDmll"'l u.. "li"/II'"1/11 I"u iun,'" olllh II r"'lu..\tId) wllll!n 110 <lu. 1'1., It.. I"..
ilI'I'14'/lI,
IJ. At IJU' r"'lu..I, lh. IlIlUfl1J /fI1I.11l1.,,;
11 .ubmll,. pm'" I"~ I.... "lIlllllllllll1 !.h. '.,Jlllwlll' 1/I(",,""II.m:
., !h. tlm.. p/al" If/lll \:1r'1'4111.IIIM.. of 1"'1;
In I.h"lnIur",J', Inlfl'ltI.IIN,/lhelnle,..!.f III Itll 'Ith". itllh. pr"v.rt)' Inv'IlvIIlI.IlIJiI'#l.lj('
.11 m'I'4IIIII.. il,..J /....,.. 'jlll/'lIl '>lv.n,d l"Uplrfly;
y, Illh., 11',11.\"/" hI 1I"/ffi/IHi' Ihlll IIlI!)' n'V'f 1\1.1"..11/1 Ill'"f'jVffh';
/'1 I'llallll" '/lllll. I"~ '.wrll(1il/lI'Y 1.1 III. P'''II.flV dUfllI. Ill, 11l.IWY ..,wd
MI.,",l
"^ I"
"
.J .~u.alaLI_ Idull. ;6nd it'lt'. IlillitlUriM ul buildlllu_ tif IItrudUIl'.,
fl 1l.11I11",1 ..lIIlIill.. IUI l.plIlI 1.1 th. tlillllilllV, lllld
III an IIl..IlIIlIYlot tl4111allflll..,...II..I,'IIIP'lly IIh II W 11I11 111 11,'UIIlhUllulIlllity, .t..nIP!illll,
t'lilil, 11I'I"ttl.."lIh ...1", ..",1..111""111 vI I..a. TII. ;,u"rllll fIIualllllllfh IlIlh. iIlVVIII..,V
fllpl.a lit .111.,111, ,o.u'I'h >lnll 1.1..'v,I.I"rulIl'IIl' 111111 auballllllhll. Ih, IIlV"lIIlIY
ill ,ul"ni' W 'UlI1I11ilIHlII ulld.1 IIlIth In "I.U.I. C'llnn~l.d wllh Ih,lo.. urchllm lIufl.1\ III We
""(illably '''I\lnl,
i,ll ,.hlbll Ih. dama.lHl pn'I"/IY II. 11(\11\ II' ..... ""un,bly '''IUIII:
41 P,lI4u"",.,u,d"IIWlllllln,llll. ilIum. Ind banll mlcfI/(llm, uf allclnc,lltd cht(kI, ,,'allnl/
lo villi', lu.. /lnd up.n.., allll 1,lnnll fopln.n.l.. trlelllll h, mad. uhh.m a,afl.n III 'f'"
"atflll,My ''''\1''1.
6, ...1" in ."f"/flnll IIn)' "Ill, ii' ,11('11.")' whlfh Ih,/A'U,,,d mil)' hll.. 1,lin'llny IHUIV
'11\,,1/1' Ih. iii...
III prlld\lu '..'ord, '"j1J'Ur\lflll lOll u( ifni, .00 ,,.,'Ipla 10 ,uppurl '11)' .dl.llllllOlIl hV!r11l
..,.".... and
,. ,ubmll,.ld.nf...' .'fldll~1\ .Wl'JlUrlln. ullllm ""4"(;''''IIl'IIII,l''uI.,r)'. ""deUllnl'lf"l
Mun,)' fj!Hf." tI"II"lI lh. ''''''''111 .nd I'"'''' flf lUll
Il (.II4U'IuNIUhI",.. ~,.Ultljl Uflbm,y Clw".,.. In III"'v'/l1 of "n ""'""'11,., whl.h lIIil/hl
r..ult in Ivllill\ fUI ~lIy I"'ur~ ur pF"'~"'1.,,"," li.bUII.v unl.l" 11l1'lIl1h,}'. Ih. ;ru"r.,d
mil" 11'1141111" (oll"wlll,
1 prWfllll1v ("'Wild kill' 1'1'''11'' ..t 1I1111,,11f", d.mlitld" II' 1.1Iiil/llljl.,. I..,.I~'" ill l'IHln" Hun
.. hit. Ih, ~'u"""",,.
Ii I" (I"' 'tot iI.lIl. .,,1'1 In.
IJ m.iln" ..llltIm,n\;!,
-':. Ih. ,undilfl .., tiWllf Illfhl41/111 !llkt'ilillllllrl.l, ;lnd """/lllt,
II .IItH" ''''IllY fl. I! I li' .unlrlt..,Utillu, IMfflIIIlflnl..", .1Ii1l1Uliln\, pul," wllu milY b, lIuhl,
kI illl. #It'III." tu, \11. 'nN" .., 14m_li',
'1 Hl'url/IIIIIII" ,IVIIIII f\'~i"w" ,II<'
~I ...1111/1111' Ih. 1!IIltlld."n .., Willi.''''
II 4,uUioIMI IN'w, . ."flll~I ,,,,)''''',,,. 'U QllHn ('u...,.,,, In e.'flll II mlldl.ill".",",n..
,""',.-<; . ~.. YIt fullYwlnll I." i11.,1 '...>111.4
II Tnf 11I)",1ld JIIlfl,m .., ".f"",,",, #11". IIn ,ljj;!I ,_,,,,.11' ..,hill( III""
II IIIV, V' wllI"" Itll..., ", tlillm '~Adtlll',u" If ,,,, 1I...\.4lIi I I' IW<iIlIU JI'~'llclll. ..n4
;: i .1I~'fln u. ... ,.!iI~I'i \>>1"__ ,,( '''lIfIl wltl '_1""\1 1In4 '~'"''''
It 1';'" !IIJIl'lHl........R .hilH .ijlmm \II "t.nw..l..ulf!!/l41....1I.lly ,i't~.iflll/j. ..1",\.141>)' U. ...;'.,1
lNi in 'it.... it. 1+'. fU+><""t.ly ,,,,~l/'
'-"&.!CY t.'ONUI'fWNli
11\ illUllltffl kl III, l"'llli)' 'flrfJl. ..h"h "" '""{j,..,..... lit "1/1" _I"'"' lOt Il\.t ....Iw)'. Ih, frlU')WIIII/
~11it;i,.. ,II"" "fflY
('fl....mT/a....'!4 .1 rnl"4 llLi: m .UL nn'ktc.iUi:M
! 4..',......,,., ll"tl">I",. It ...", if ........... "'II~I U4ll' Wflllfll\<i/l...III.
j (W"~fjlPl
" "r t'IIU t'l'tf 14", .....,.1 ,J". ..../.., ..I ..to, II~ 1<. III Will Iff wru~ ~I"'. If' "I~'I\II\IIIIHI
~~""i' Wit. .....1 '~W11I ..i;.fllil.,...t1., ';'.4ltll.../I.U..,. It 1<, !of ,fti<+lIiff
" Ib t', If, 1ft.., .,.....'.,'1.. ....1..' i., ,Hlilt!> /j@ljo..lkli..,<<;j I<i!i' I!wlt..i ... )'#" II !h. m411H'I/
..M,... ,'',,*" 1111/1. IJ"" I..HI...". t'1_f..' 4.h"_n ,,' .,.."I!ift. I. wlflfl.lllll ,mi'" ({if IWIU.
Ii If" ,..I~1\4 "'IOt......I" ,../ j~ .,..4!'1f'<4 ii<-l..., p.,lult .... I,.ll1....
I. II ~..r.".IIf14 1<,,,. .." if "',' '..1" 1>..'1*,
" It ,M,,..II,,,I". tti.. ...II..lt,1l<l lit ....",,,<1..,.... "!It; "HI' .tt.;II ,..Iff !;till"
i ltf!fl#Hl fit f"ff/!fJJ1#ff J"H..../H "f rffH4Ii' I., ~fii'~m...i ji'"IMt/t#! lit ,.,.~ If ~'l<f;lli~It'/i ,,(
,,.,,,,,..II"W>/i "%1 ~t1""'"mlIH"'''it/'1t ,,.....t "t"fI,if14 "'11ft ~"* "'"11../1"41'11 rnmt., ilUi/1/ ~ './il
,.. }litH "fiftHl .. '.tllt/,rill;,I.. r......
.. .. ft.." ,., "1ft 4' ~I/I It,; '..II} HMIiI i/>i1lfi./jH 'IIltl.., I./;/I f;.HI.iIIl1ill"'in.tlf.ilHliO
Ii .'ti,." 1'1/ 1mi'll/ "/ /''''''lilllf/ , II.i.# itf..,IjH.Hi it.... Iilit iffl'!Jfi 11"111 'NT;lIfP "ii/I, 141' milt iii>/iI...I,,1
'"M 14m. t'iI if!';;... './Iii ''''hi,,,,1 i,M",. ,.t 1..#It& Iii 1M"" ,,,,ftiffl F.lr.HIi"/"iH /;! .11",It,..
~L{!,
".\1-
..
~) N,,1t' l'o{H.Y. (ltlllo 1M II IH'W I'"IWY WIIIl'h l"'Olll'l'lI illl'ff"rlle.. lhllll till dny. UllIt i. 1111111
n'm'wI,I. u." IIIIIY cunc"II"r IIny II'UMOII hy IIlvlIllllh.n'luired 1I0llr.oll,".I:IO dllY' h.fllr.
"IIIlI'.lIulilln i. ,'jfl'l'liv,', ^ lI'newlllllf lll'o!iry iuued by u. I. 1I011lll'W IH)la,'y,
;1) I'olit',\' with rtr/ll owr ()II~ rear, If Ihie poliry I. writl,n for IlI,rllllonK.r Ihan Oil' Yl'or. WI'
mlly ,'uncel fur any U'O.OIl by Klvlnll ,)'IlU Ihe r"'luired nOlle. all.a.I:\O dayt befol. Ihl'
alllllv.flary dllle.
41 All Oth" Situatioll. ' U lhll I)ollcy ha. been III effeclllO daYI or mar. or I.. renewal of 0
policy I..ulld by U', 14'0 mllY cllncel ollly for Ihe rell.on. ..I forlh b.low and by Illvllllllhe
rlKjulr.d nollce all,all:lO day. b.for. canc.llalion II .ffecllvl.
"hl r.alonl are;
al Ih. policy wa. oblalned Ihroullh frllud, mal.rial mlu.prr..nlaUon or oml..lon of focI
which, If knl.lwn by UI, would hav. cau'UtI u. nol \0 I..u' lh. policy; or
bl Ih.r. hat b..n a maltrlal chanll' or lncr.a.. In hazard of lh. rllk,
f, 7'/",. ul COllet/lot/Oil' Th. 'ffecllv. dalt of canc.llallon II lh. larll..t of Ih. followlnll:
II Ih. .((.cllvl dale and hour of cancellallon daled In any no lice;
21 Ih. Ihnl ,)'011 lurrelld.r lh. policy If no canc.llallon dal' waa Ilattd; or
31 Ih. .xplrallon of Ih. policy period. .
:I. NOfl.U.m.wa/. W. may eleel nl.llll.l ren.w or contlnu'lhll policy by ,Iv In, wrilltn nolle. of ollr
Inllnl al 11..130 daYI b.furllh. e.plralll.ln dal. ur annlvenary.1'h. nollre mllY b, d.livered 10 or
mailed \0 ,)'OU allhl mallinlladdre.. Ihown In Ihl [).clarallonl. Proofofd,Uv.ry or mallin, Ihall bl
lurnel.nl pruuf of nullc.. Thll policy I.rmlnal.. aUlomallcally I.In ill Ixplrallon or annlv.rllry dale
If you:
Il. lun.nd.r Ih. puhcYlo UI;
b. h.vI notified UI I.Ir our 'Il.nl 111 wrillnll uf ,)'our In\t1111101 to r.nlw; or
c. have nul paid the renlwal or Inllallm.nl premium wh.n due.
t "hIm.', .\Iud/f/ea/llm,lIr Wah',roll'oUey T,r",. . A walv.r or chan,l uf any '.r"'l uf Ihi.
policy mU'1 bel..ulld by u.ln wrllln. \0 b. valid. Our requ..1 for.n apprallal or eumlnaUun under
Ilalh dU'1 nol waive any uf ollr r1,hlt.
U III' ,doplllny revl.ion of forml Ilr ,"dorum.nll durin, a policy period which wlluld bruad.n
ellv.ra,1 under Ihla policy wllhuulllddlllunal pumlum,lh. broadlned cov.ra'l will allwmallcally
apply \0 Ikl. policy,
Itlhla 1101\,.)' Illuued un II ronllrluou, blllll (wllh nOIPeclfi.d ..plrall"n dalt) III' may.ub'llIol. or
add, upnn any annlvenary d.I., formlllr 'lIdo,.lm.nll which art .ulhorlnd fur u.elln lhll policy
in arcordanr. with I,ur manual rol.. In Iffecl allh, 11m.,
,~. Omfor"'''>, u'II" H'..,u/" T,rmt I.If Ihl. policY. In conniel wilh lh. llAlul..llf thl ltalt whlr.lh.
"rlml... deeerlbtd in Ihe lIeclarallonl art looaltd, art am.nded \0 conform \0 MUch llAlul".
II. hI/,r,p,."fI/""I"', ''(,",",a/""I1' or fraud. Thl, Inllr. policy II void If. wh.ther "fur. I.Ir afl.r
aloe.:
a, An /fI'lAr,d hit wlllf1llly ,"onclllled or mllr.pn..nttd:
II .ny mal.rlal farl or clrrunl.lanCI ,'onrernln. Ihl. Inluranre; or
:11 .n 'fI'lIr"d'l Inl.r..1 h.r.in,
b, Th.r. hit b...n fralld or f.1.. ,wearln, by an 'fI'lIrlll r..ardln, any malltr fllalin,ln IhI,
lntur,or. or Ih, IlIbJKllhtrllOf
7 'fI""''''/o,,' Wllllr. p,rmUkoIt bul RIll nbU,aled III In,peel YOllr prop"ly IInd IIJH1Ullonl. Our
In."eelllln or any rHullln, Il,hlrt or rlllQrl dUN nol w.rr.nllhal )lOllr prClptrtllllr IIp'ralillol .r.
uf. II' h..llhful (If ,r. ill \'umpli,nu wllh .oylaw. rlllenr "'Ullllloll,
H 1'f/II,y 1'I'lIm/llm' Iflhl, p41li~y I. Iuued wllhoul' 'rKln.a ,."lr.Uolld.... lIma, "r.;nUnu..1 by
,,8)101111 Hf Ih. r",lmllt pr.mlum fu, Ih. nUI'""l1a p.,IIXI, Th. premium mUlt lit llIid III "' befllr.
.I,h a""lvlIr,.,y dll,. 'l'hl' JI<IUI'y lit plr.. "" I"Y a""Iver..', da~ 111,1111. ""mlum h.. 1101 bnn
reli,Ind by "' l'r'II\I\l1II I. .Ilb/elil III Id)Il,lm.nlll" Ih. bl.1t lit lh. "~I In .ff..1 .1 ,...11'.'lIllv"'II'Y 411f.
I} nlttQ""r/." If II.!' pIn .n 'n,,",d f'" lUll uM" \hI. "'IIIJlY ,,"4 m,l ." rtam..,td lI",p..ll' I'
rlt.'"vrr.d. II' p.ym",1 i, m.d. by 111"" ,-,,,,m,lbl. f,/, th. lill., lh. foJ/ltiwln. p,/J\(il!\Jm. ,"ply
if Th.ll1,ur,uJ mll.llwllfYII, 0' w, will n',II'yl"I ""lII'lId p,mnpl)y If .Ith., ,..ilII/.", p,lJlI.rly Ii'
,,,.iv.. IIl1ym,"l
It AM 1/"'11" uII."....III4'II"..1I Ii.. ,'Ih., 114,ly i" m"~,"IlIIl. rHIIY"Y .,. rtlmbu,.1It (ml
MI,~1
"AIM \I.
.
I', Th~ 11I8<<r('<I m(lY k,','l' ",,,",,'rl'd 1''''I','rIY hy refulI<lin~ 111 UI Ihe IIl1lnunl nf Ihl' duilllllUltl "r
Ilnv Il'u~r IImuullllu whirl. II'" (lIlIt'(',
<I. If the c10im poid II leu Ihulllhl' ullrl'l'd lUll due 10 II dl'du"libl~. .p~dollimil uf II 1111111 IY urulher
Iimilinlllerml uflhe pulicy,llllY rl'l'nvery will he pru.rllll'd belw~en Ih.llllurl'd llnd u. billed un
IJUr reapecllv. lnleruu in Ihe Inll.
10. .'i<<bro,"llon
0. If 14!1I make a pay men I under Ihl. pollcy,lli' mllY r\!llulre Ihallhelll.ur.d 1111 III n to u. hi.llr hfr
ri,hl ofrecov.ry lI11alnel ony perlon fur Ih.lo.. to Iheexlenloflhepaymenl, Theln.uredmu'l
do lYerYlhln, neell.ary to make Ihl. alll.nmenl alld ..cUrt our rlllhu,
b. We or. nol \lable for any lOll if.n In.ur.d dOli anYlhlnll after Ih.lolI occur. 10 Impair our
rlllhllo recov.r, You may wolve your rilhl of rICovery In wrillnll befoll a lOll occur. wllhoul
voldlnllhe covera,e,
c, I f we pay a lOll to or on behalf of an In,urld and Ih.llleur.d ftCovert damol" from onolh.,
perlon for Ihe ..meloe., Ih.ln.ur.d .hall hold Ihl amounl rICovered In Iru.1 for u.and .hllll
relmbur.. u. a. provided under Itecovlrlll.
II. Suit A,aln.' U.
a, IJropllrty Coverallel . No .ull to rlCover for any properlY elalm may be broulhl allaln.1 UI
unlell:
11 Ihe I.rm. of Ihll polley have been fully comp\led wllh; IInd.
2) Ihe .ull il cumm,nced wllhln I year II't.r Ih.lolI.1{ any law ofthe .Ial. where Ih. pr.ml".
ducribld In Ih.n.elarllllone 1lI.loelled mak.. Ihl.limllallon Invalid, Ih.n .ullmu'l hellln
wllhln Ihe .horl..1 ptrlod ptrmlllud by Ih. law,
h. 1.lablllty Cov.ra,. ' Nu .ull may be broullhl lI,aln.1 u. 10 r.cuver IImounll due Cur bodily
Injury ur prop.rty dallUl" IIpbllil)' unl...:
II Ihe I"m. uf Ihl. policy hay. b..n full)' compiled wilh; .nd
:/1 Ihe amuunl of any In.urrd'. Ii.bllity h.a been ('onelu.lvelt flxed:
(01 by a flnal Judllm.nllll.in.1 Ihe Inlllr,d fullowlnllri. ; or
(hi by writl.n alr"m,nl of Ih.ln.ur.d, Ih. claimanlllncl UI.
No l"reOIl .hall have .ny rilhl und" Ihl. policy lu Join or impllad u. In any aCllon bruullhllo
dtlermine an Inlur,d'. liabililY.
12. llallhrupley of an Ineur"d .llanltruplCY IIr in.olv.ne)' of any In.ur,d or hi. or h.r "lal. do.. nol
,.litve UI of any IIf our obll.llion. under Ihl. pulley.
ClJNIJITlONI:4 A/JI'/.l(iUILJ<: 1'0 1'/WI'KIITY COVKIIAGJo:S ONt)'
1;J ,tballdunm.1l1 oll'roPllrty. IVII may 11I1t.lh. property or allY pari Qf iuUhUllr"d oUf,pralted
valu., hulan I".ur,d may not abanctun Ih. covned pr"pnly to u. unl... 14'1' ,plClncal yallrlf,
14 (\pprlll.lll. If you anct 14'11 do nolllllre. on Ih. cu'l w "pair ur IIplace, IClualcllh vllue of ur
lImllunl..f lutllu cQver.d l,roptrly wh.n 11," "c!'ur', .ilher parlY may demlnd Ihallh... Imllunl. be
dthlllnined by "Ilpral..t
If .ilh.r mike. I wriUen d.m.nd for Ippra,"I. ..ch 14'111..1"'11\ cumpel.nl, ind.ptnd.nl ipprll..r
Ilnd nOllfY Ih'l/lher or Ih. Ippral.,,'. ,den Illy within 20 day. of rec.lpl IIf Ih. wrhl.n demand, Th.
114'0 IIppral..r. 14'11I Ihen ..I..cl a comp.lenl, impartial umpire. If \h. 114'0 apprli"ralr. un.bl. to
Illn'. upon.n umpllt wllhin I~ dln,you ur w,..an Ilk a judltllf uuun ofrlll'ord In Ihulaltwlltr.
Ill. l'rol,.n)' I. localed III ,,111I'11111 umpl",
'I'h,"pl'rlllll" will Ih," d.l.,nllll' Ihl..mounl (lhh.damlll' ellllin,tlplIrll,I)',ln d'I.IIII1. 1'0.11<<
nl'lIlr or r'pI8c" IIclu.1 1'11.11 valu. of, .1101 IIlnuunt IIflo.. II.,ach buUdln.lt.m and hem u(ptrtonal
1'"'I..rlY, If Ihe "pprlll..,. .ubmll" wIIII.n uport of any .,fllm.nl W u"lht .moulIl'lrtud upun
will b. IhlllltllQUnluf Ihll d..m..II'" vllllI' If 1111 appraiu,. fill"" ..rll wllhln II rlll'un.lIl. lim..
Ihllv wllI.llbmilllnly Ihll" Ihtf.,II/H"1 10 Ill. urnpln, Wrll""" ..rum,nlIII Il,miltd .nd .Ialn'" by
illiY Iwo flf Ih,..lhr... .... ItI, "U'I '" "1'"'' fI' r,plac... actual rluh YIlllle flf an,t am,lunlll' 1'111 III
..11 II Il..m Y.i1lil apprilil.r will b.lllwl by liI"IIMlY ..1~linlllllilllll'P'itll.', 0\11., up,nu, gf Ih.
illll"lIllillllfl'! Ih. "ulflp."'illlulI I,' III. 'Imp". .....11 b. pllllt "'11Il/1I)' Ily .YOU IInd u,.
Ie, 1,,,,,,,(/lI'J 11411"". ItIIUri1I1U 1111".' thil pllllIt)' Ih.1I filii d"...II)' 0' llIllir....ll)' li.n.'1t any hI,ed
. lint., '.r ",.y'",,, .11' willi II Ihll'! (OJr '''1111111"11 t"1I.....h flf "I1",..llIr"II.,I)'
11l'i"I!'H..d I'q,(y ('ut'lIm,,, . Applllfll (In(v '1,# OW"""" 111I -'llJbllll I/(unfll umlll".Ofl4l
I'III/!"r/y (1'111' .nUl. .1'011'. I. >,,111 11111... !.h. lIi/m. III it .....1I'..1 lIiHly " In.tr\f14 In !h.
.
r
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f
.
I
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III
II.rlM,..'H"" TIIlI' /..".. "1",11.. u"ly It, Ih. 1111.,..1 "t II "I.' "H.,I I','I\Y .tllll <I".. "uluIT,.('\ Ih.
'"'"1"'1'. 'IKI.lo H' ....11.. ",hI., Ill" I'"lwv I
If ....1,,,,.,1 I'M'Y 11""",.11 III 111'1 I'"h"y, lI"y IH"I'lIvlIl.l,u"l',ul'vtIY .yhj~ll" lh..~urlly illl."'ol
.h,1I h. IIIIYllbl, III It.. .,,,,,,rlld 1I.IIIY lIoll )'111111' mltlrnlmlV 11'1'"lIr, It Ih.r. t. mun Ihll" nIl.
IffurilY 1"1,,"1111 Ih, 111m' prllp-IIY. Ih. Iml.r lIr 1'lIym,,,1 ,hlllll.. Ih. ,."" ., Ih'lf IIrd.r "t
IlfIlIflly
I r \4" 1If/'v >'(llIr ,,1'111I. Ih.14""i.l,h.1I MIIIPllly W II ~.hd ,llIlm Qf II If('urfll p.rl)'. If Iych IHlfly
hi"
II. """h.d III uf Iny ,11.11"In II"",,,,.hlp, ,",fuplnn u, IlIbllllntl.1 fhll"" In rl,k IIf ""hil'h Ih.
'"II rill p"ly ""'Im. 1"1";
h .PIld 11M ""mlum dll' Ilndlf tn. ,..IlIlY un d.mll"d " )'011 h.y. nlll '."Id' '"fh p.ym.nl, 111111
(. 'li!;mllllld.. 11,lIllll, ,....1ft JIIwt ..t w.. wllhln fill 4,YI If ." I".IIT"II h.1 f.ill'll III do ,",
l'uhfY Illll\dll"'''' "I.M, '" A,pflltal. "Ilil A,.ln.1 U. Ind In.. p.ym,nl .Pply '" Ih, IlIt'yr.d
,'II")' It Ih. pol..)' i. f.nnll", Itv Ill, tn, ""IUtd pan)' ,hili b. "\llln... al 1'.'1 10 d.YI b.fllr.lh,
dl" elllll,.lIlIl\lift I.hl ,ffftl If.... p.., Ih. .<<wr'" 1I.,ly fllf III1Y lOll (IIr whlrh Wf hllv. d.nll'll
paym,nl '" .)'(111;
II <<.. a" Iwllrfl..1td \(IIU tn, fl,h"" ltHhll<<I""',.rly .fln.... IIl1d., Ih'HCllrll)' I,n.m,nt; or
b .1 fllIr upl"'" ",f m.y ,.y dllll 'N,'lIrll4 ,.,Iy Ih. ,.mllnlll, amullnl 411' 1111 Ih. 1<<lIrHv
.,,.tlll'l1I \llu. 11111",1 1114 ,.."IV' . "'" ...lfnm.1I1 lit Ih, ,"wrily l.r"m.llllllltlllllY
I<<lirlll', h.ltl III "..II&lIftl flit 1ft. .,,"'m.nl,
Ilu*.~." III. 'HII,1d I'IIf1W'1 inllr..ll. Altl 4tl1",,1d fll' flln",,.,,,", lI,nt..JII,m.nl IIr IlIt'nllun by 1111
tll. .Uf.III" jl4.....lIl1l1lil \h. ,lWllmw..a JlW"Uy, Ilnl.., .I/Mllk.lI)' In.llrld 1,lln.land prfmiul1I
JI.14 ru, 'lI,h
11 .'IIu"'fI" ('lelU" ""u,.wtl1,g (t..t'.r.'fCm IfNlIlIj",tl'rhlunUlltlllllH i, "<lid IInlm Ih,
11,1111 ut Ih. _'III..., fIf 4iI,lH 1011'4., I IIi II dtltld, 1.lnl"I.-111I Ih. lltfhlr.lhm, 'nlll dIlYI.
.111'11,,,,,,1. killl'_rlft,..,'" 1f\l.lHl.M d.... IWUfflfllft.,,,.Uft'fl'. fl.hlurdllli.. IInd" Ihl.
~.hqy 1
lAi", It .M, 1lR4., lII.. ""lio, ,,.,.11 " \lIIYllhl, .... 11'1. IIwrljl,,, (", Iflll"", namlld UII Ih.
(1"1,,,11<<'" ,/lfHitlhl. ~h.)', ..,,,..,..1.,,,.)' 'vl't'lf, 1I1'l4., IIl1p""nlo, (1IIIlllIll0.f.I..... 111'''"
Ih. "",.flY h.,,,,,, d~fll.i lit ..,...11 lli'lIf""..14 m.v hilV..1I ItI"".11U mo'Ij....(Of Irllll"",
In em'" llf I"lIfl'll.flff ~t '.14 _'I,fI;'lIl1. ilR4 tnltllltll'lIflf' .. kflh,lnlt'''.\ III lh. mnrlllllll" (or
Wit"'l I'I\I~ tht"!II, ,hilll W.I"'IJi..l;"..~' l<" lIlIY ,",I '" ",..IHI (iftll. mjlrl".fJt!., "*1'1" "tlh.
..,\!Ilh 1I,...,li!f4I1'lo1,,'f1r ".., toy ."t f!i'tJlk.t..It ","I!>ff I'f~...Ii"'it.., !\IIU" Ilf ...1' "llIlIn.III Ih-
l""ptt1t, /W' t.i' ."'" ,kllli" If. It... HIt. III ....ntl..IHf! I,f Ih'I"".."h, ",,' lJv Ih. ""1'UPIlI"'" {If Ih.
pflml.... fli' I'lIrpll....''''''.IHU~.,li.... Ih." i1ft I"'<<lllltd b. Ihlll /H.lwy, Ilfl'V14..1, 1111111" I.IIUlh.
mll'"i1I1'" fJI 1i"W1I., .lull ~ltJI. I~' \in !!flY l"fIlI''''1\ 411. IIMIf lill" I'ohrv, Ih, fIlorlllllll" (",
In....) "haU, WI 4""..1<4 ,.., II>4t .......
t',(IiIIW;d, .1..., lII.1 tt.. _fljl.... 'If' I,Vtl4it1 .h.IlIW\IIY WI ..f !IIIi' .11."., III ..wlI.",hlp '"
_Wp.lMV ", I!W'..... l't kNtiI'" ..il~fl "tUlU~, '" ltII k!W..ltrd,flf( IIIld mll'"-''' If" Irll".,,1
.114, li,tt... P-(IfUlltrd to, u... ....I.H, ,l....1I to. 11Io"'" IM,...It.1'4 Ul" IfIltflll"1If I Ii' Irw"IIIf'lh.II,v"
4.mIl1l4, PlIW 11;, II,MlH;1J! "., .!+!>;. 1At<,...... ".wI,li ~, Ih, It'fm Ilt l!lf lI..ltitflMlf. (l11I.twl.. Ih I.
....h." ,,/1..11 !i. !I!liI ..114 ...jJ
W. ,mf.. Iii. flllli, '" t"!IOotllio", ,..hn in il'" IlHI, "'1/,..,,11.114 I!<y lit' "",,, "lillll '1I,'t! I.lIlhlO
I"'h", .;."Ii ~1"\i!.lA fr,tH 1#1 u... ......r....l;b ..h.... _fl4;l...,iuflfllt".' tit, Illd4VuflIf 11f1llu
\;I lilt _'''4'''''''''' I,!!..~.,...j t~1! ~"lMit"tjll!lin....t "h..1I ~"A Ht...., ,"'.. w* ,1l.1I hllV,lh, rl.,hl,
Iffl Itk. 1+1'11+. !Ii ~i"HI ~j" "'....;;;fin'
Wt.M,..UI 1+'/11."..11 ,In fl;ti 1ffl<'.......1 <Of 1#""'-'."" 'IIHl ,,., Im!!"j""'" Iii", ""lut, , In" Ih.1I dltllH
1"41, l/';f 1<I't>IIIf#<'....jf~, ki' If.....', "'" Ji<tt.itlb littrf.I.., .....1414, WII .",,,a, 14, ..... ..!<tlll,!t "11..11
jt.UH/liM, rn. .1Jlt.llttf/iW# '''Ii..lj>I"~",,,,,,,~ Iff ..iJ'M 'ifl;lI fif f./l.M "it'" kI ."'IiI" '!/Iit! '.'ffl"llhhiotll
;"lIlffilltll, ..(>11",..11 ."',jfl,...ItIM ... "";/,.141".1",, fMr Ifl#I'.....,.. ".;'1, 'i' IffU "/'1#1' 1I;lfHllli'lty ",Ih.
''''''14I1!WI! "f /f!!,,'",!.Ii" .,."ifl/dlm""..I.jijN ," u; .'''WI .t"" ",. I~ ffliif'*..... .un ill!<tr.,& IUiHIf",1
.'ilt .k"U,.n..,ltlilf/>I+ '''~H " "'il ~Ili",.f"",jl 4/fJ1 '''11/141.., I., "'./fIH,I"4" 4Ilif "t Itllllfl,h ,'U,.,
mlj'/",*", ""I I\;i """""",""fi ./i..." if"..,.., It... "'1M "j Iiffl' ffli.,ljIq!f1l "., Ifll.."..,....'...".., I~ t.,1I
,,(I"'iifil ,./ _J ItiI"'fI*'i"'.' "f #-hi>l...a "I I,I"'lI!
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q
UAIIII.ITl' co Vf:llAW'; SfX:1'ION
I'JUNCII'AI, LlAIIIJ.lTY ANIJ MKUlCAI. I'A YMKNTtI COVKIlAOE8
ti/l!""" L . '''"u,..I Llablll,y
W, ply, liP'" OIU' IImll u( 11."'111)', .11 UIn' (Uf which .n)' ,,,,..,..d '.1".11)' lIabl. b<<llI.. o( bodily
'"'w,y Uf PNJ".">' 1Ia_,. C.II.... b)' II" r,,,,",,rrlmCl' 10 whkh \hI. eonra.. appllN.
W. wUlIl.(.nll .n)' nill"kln. d.m...., provld'" Ih. .1111 r"lIlt.d frum bpdlly 'nJul'y or prop.,'>'
1Ia_.. not 'lIchld"'"nder Ihl. rover.... W. m.)' m.k. .ny Inv..lI..lIon .nd ..111. .ny cl.lm Of .1111
Ih.l.... dtlddll. .pprllpri.", W.." nulllbll.al4Kt &II prllvld.. d.(.nll '~f w. havl p.ld.n .mollnl
1q1l.lwOMI'lImll o( IIlbUIlY.
(\11'''.... M . N'lll"' ,tuy",."" fp OlM"
W, p')' lh, n<<....ry "",IINlI u}w".., Incllu'" (lr mtdlr.lI)' d,"'rmlntd wllhln Ihf..)'.a,. trom Ih.
da"lll a" au\d.nl fllI.ln, botIU>, llI}IU'y &0 whlcl\ Ihl. conr... .ppllll. Thl. eover... appll.. onl)':
I. '" a ",,.01\ on Ih. ''''''I',d pr,,,,I,,, wllh Ih. p,rml..lon of any 'I\...,.,d; Of
~. "'. ",rlOn .way from \h. '".ur'" '1"""'" It \h. wdU)' InJu,.y.
a '''11111 "0'" a fondi\lon on lh. In,.""., ,,,"".,,;
II. I. el"tNMI b)' lh. aelivlll.. III an)' 'Ft,..,..tI;
.. '- iI"tNMI by . ptrtlln whil. ...,I"rmln, dllll" II a .wlfttl"" ,,,.,/0>'" 01 an)' ''''IU',d;
It. It! n"lld b)' an animal own'" by IIf In Ih. U,I o( .n>, ''''&I"d; IIr
,. '- ."tf.,1Id liy . d.ilfttl.U, ''''pili)''' .nd .,1... ulII ot And In lh. eUllr"llt .mplo)'m.1\\ by .ny
In,,.,tiJ
INCIIUCN1'AJ. L1AIIIJ.ll'Y ANU MIGIIWAI. 1''\ YMt:NTtI COVKltAOKtI
TIll' JK>1ll'Y pf(lVW" Ih. Mwwl", IneiJ,"I.II_I.blllly .nd Mtdlnl l'l)'m,n\.l Cov.,..... Thll.
u"l~n",1 "''''r.... '''llolbJ",11u 11\4 I"",."hh. l'rlllfl,.I1.I.blIiIY .nd Mtdlcall'.ym.nll \GOlh.ra
I".""", T""" lneid.nl.1 fllnn.... !14 Iwl In(",..1I \h. Iimll ut lI.bUlly a~.\.Id (0. lh. prinelpal
I""'.'" ...~.p" CII"". t:,I"_ C....,... .nd Viral ^ld ':.p.n.. Cun,....
I I"'"..,.. 'II "'I)"."~ IIf lH,.". ' "'111,011... ot .n 'I\.",.d', 1...1 UAbUllY, Wtl .i\her p,y tv'
,r~flY lit 1.lh.ra dlllllll,..I.., d"t,"nd lily '" ;,,,..,.1111 II' W. ,'pal. IIf ",I",.lh' properlY, &0 Ihl
"IoMI "lfllutolf, wllh ''''I'',l~ ot tilI....,!.nl klllll .1Id It Iota lily. 0..,. IImil olll.billly (Of Ihl.
041'1"." .. '2/)0 ", (lffur""".
W, 4I!I1W& pay fllr d.m.,. \U p,,,,,ny;
II "...~ lly, "11114 '" II' I...... III lI"i' ;""urtiJ. '")'lIlh" ,..idanlOI )'o",.Iw\l..hoI4, Of \.Inllnl ot
allY In'lU'ftI.
Ii .1I~ In""lWlI.lly '-Y ,"ylntlU'tiJ _hi.! hu 'Itlll\tl. Ihll ... 1,11 I~,
~ ~.,..t 1111411 III.. ,..ho 1I1l4I, "f~ny ClIV".,,,, IIf
It ,..IIIUft'"''''''
II NlivillH 1ft WA_,"," -.u. ." IMUI'fIfI', ".u'",",
~, ,"",IIM"I\f4.y, flfl\t14 \U fI' f.liAw.UtIIt toy." 'ItIlU'tld,lIlh" u..n \.he ""urtIfI ",."',,,.;
tit
:11 ~ """'-'1,. 1fI1'"1IfI1l1l<<. IIQ. ~1I\t1 ", IolIIl.441111"I /M1Q,'"fI ~""" .llVflfllIf
.llfHfI'"
~ eMf,.,., 11II4 ",'HIM"" (~W,... ' W.. pn fu, 4.11I.... tw ~i'1 ~ II' pm,.,,>,
....., ,ilfljjllNl ft~ ItllfdllY HMlflfIi Iii' lIl\ lMur.rI Ilndlf . ~nl,"" proviJll.t;
II .... WII""11f ill _Ill\hlf 1104 lUll. ....1<0,. I;;' ko.,. .Ad
Ii ,t I.e !WII 11\ ..."I\_llIIn .,11+ ....".... .-llvlIi.. lJ' .ni' in.""d.I f~ IIIUIlJft'4H "lptlftH ~"'Wfl"" It'll "n Uill '..1\1."'11I' l4~n..~ wuu..t'n e<llllltll:lllIlI
..#> it 1Ilt.1 .,.t.1lh4 10" If. ..1lJ., i\';tI ...''''.#1..11,.....'1.11' .~V"'.II".
,. _~........ ... y", ""'H'IIf/,
if. W4/1f1"_ l/+Iii/fl.' ;;" 1#1,
Ii Iffif<itltllnaa..t tlM,m"" "'t .'" IfHH",tI. "" Iii etil! fttl' 4iO, fll' !I"IiI."./I~lI"';f~ ,,_ wllrk AI filii'
''''f''.''
.. ,,~~......"" ".,t11IH.II#If".,..6 /11#I' ,""".."
I, i4Ut..1 ifI..",-.ilill 'ftl.8# .,."', ..t .. i",i.JffI/I;I ~i/I ....l>ff. .",.." "'" 41,..'" 'II .,.y III/ \q lh.
.~IiM.i;I.. ;1#111,.1 "'1t.IIM
t 'Ifi;lhl/fmll lilf ."".,,1 ""ii,i. '.f "",.,illlto ,"',..... ..~liffi."" ..jlIiH;U!' !1m" '" II.I;I\IIY; I W.,.,.
.OJ.. ,.....".. k. ifi!I!h /I., Ii' h"fi..il "'0'1 "'.Ii,11I1 ......
~ti--;t
,\.H- 1,1
MI.-II
IY.d.1.711)
AAIH
t.'u,ultl.U 1.111
,. p,.mlum. up I<> $600 plr b.iI bond rl'llulred of any In,urld btlCltu.. of an acdd.ntor ua(fic IlIw
violation ari.in, oul ofth. UID of IIny v.hlrl. to which thi. polky 111'1'11... W, ar. not r"lulred Iu
a\lply (or or fuml.h IIny bllOd..)
.. fY", Aid I!.'xp,nll CUI',rall' . Ilf,anll... of an In.ur'II', I.,al liability, IV' pay IXp.nte.
Incurred by an I",urf/d (or nnl aid I<> p.r'OIl', olh.r than In.ured., (or bodily lTl)ury covered by
thl.poUcy.
/I. I"eld,,,'al A/u'orllfld Vflhle/, (bvClrall' . W. pay for bodily Injury or proper'y dattUlll'
which:
a. OCCUn on th.I".ur,d pr,,,,/.,. and ruullll from lh. lIwn.nhlp, malnlllnanc., ult,loadlnll' or
unloadln, of:
1) ",o'orl"d whle/lt not .ubJect to motor vahlel. r..lttraUon beeault ollh.lr typ.or u..; or
3) r,er,atloMI /rW'0,. v,hle/..;
b. occur. .nywh.n and re.ullll from;
1) ,oJ( carta whll. u.ed (or .olnn, purpo...;
3) uUllty, boat, Camp or mobil. horn. Irall.r. nctpt wh.n th.lr.i1'r I. carried on, towed by or
aU.ched to a /rW'o,. v,hle/, or rter.atlonal mowr Ythlcl.; or
3) mo,orl"d I),hle/,. d..I,ntd nelu.lv.ly /or ua. off public roada Ind u.ed principally to
..rvlo. the Intur.d pr,,,,I..,; or
c. r"ulll trom Ih.I".ur,d'. u.. of II ,.,er,allollal/rW'or 1I,hle/, nol ownad by In I"aurf/d,
6, Wa',re,.,,"
a. W, pay tor bOdily lTl)ury or prl'l,.r,y da",all' "tUltln, from lh. malnt.nanc., II", load hIII' or
unloldln, ot walllrcraft,;
I) whll. on the In.ur,d pr,,,,/...; or
2) not owned by or rtnIM to an 1"'Urtd Iflha bodily Injury or prop"'yda/rW,, rtlullll (rom
the let!vlll.. ot an In'urf/d.
b. W, ply lor bodily Injury andproPf/r,;y daIM,. r..ullln, tram the maln"nanc., 1I1t,Ioadlnll
or unloadln, of:
1) wa"rcrlft ownlld by or rtntlt! I<> any In.ur.d and powered by Inboard or Inbolrd/oulboard
mow,. Iolelln, 110 hortlpow.r or I...; or
2) '11Iln, v....I. with or wlthoutall,lIlary pow., ownlld by or ,.ntfd to .ny III.ut'.d and l.u
thin 26 t..tln onrIUI.n,lh,
c. If, pi)' tor bodily 1Tl)"ry andprop*r'yd4ma" reeultln, from Ih,malnttnanet, "", loadln,.
ot \inloldln. of wllllrcraft pow.red by outboard motofllolelin, a6 ho,,,po"'., IIr I...,
d. U nd" lh, tallow In, flreuln,lanCII, "'. pay (u, borIlly Injury or prop.r'1 rIa_,. multln,
from the m.lnttn.nc., "", lo.dln,. or IInlo.dln. or w.ttrrrlft powerlld by olltbo.rd molor.
tol.lln. mOft than 24 hor..powt\':
J) &h. molo" 'ft In,"rlld for 1'.rtonll f.labllity ('ovIt.,nnd .hown un th.lltclarIUon. oun)'
./\doft.m.nt;
a) th. molo" ar, ftporIM Iu u. and I'.raonall,i.billly fllnra,. I. rtqll..ltd wl&hln 411 daYI
al1fr 1K'q1l1.1l10n by any In,urad; ut
ill &h, motoft art not ownlld by In)' I,uur.d.
7. 1II,ld,,,,., "'"In... Co,',ra,.. W. pay (at /!Ior/II;y lTl)ury or PI'OP"'y ,,"_" r,,"lt1n, rrorn:
.' the ocre..lonll ftlltal or lh. portion of Ih, I"'",'d pr,ml". nonJ1.lIy lltcupltd by )'11".
,uhl.lv.l,y tor rHld.ntl.1 purpu...;
b. lh. "nl.1 ot.n)' olh'r porlion !lftll. III.urCldI",ml". fur t..ld,nllal pU/'po'''; (Na (amlly unll
m.y Iflflud. I!IlIff Ih.n Iwo rooml,. or btlAlr,l'ft I
~. Ih. ,.nlal o( a porllon o( Ill. 1,..u",I/,,,,,,,/.., a. . It'hool, .llIdio, utnu or prtVlttI '''..'.
4 bleW,nlal actlvltl" Ill/nIllllly JIIr"mn",1 by ,"1""fI, .04
· IIl'tlvUJ.. in CI/Iljylll'tlu" wllh bu.'II'" IIU'IIlILf which "1 ardln'rily ('fIn.lII.rlll! rum.
bu,'lUIu III nlllllr.,
Jl;XCLlIHIONflJ
1. A'If,'u,llJnt 'h4' Apply 'f} fJol1ll'..rMQMI U"blltty aM ,t!..4WIII Puy"",,,. 10 Ch/ul" .1'hl,
JHlJW)' _ 'lIit .pply 10 1l4blJlly:
8, .1Iuf4ld dllt>t;t!y 0' Indirtclly by w.,; l'ftll. ,""lfll ijn4..I.ulll! Wit, fivlI WIf, i/ltll"....tjull.
',b.lIwn. "vII/lllkm, W.,,,., HI by it mlH~1'Y fl/,</II lA' miHtll,y P'''''IIf1'~ d",I'lWtio.m. 411411" tor
MI.IJ
AAlM
t.it
(:",'rl.hIIUl~
use IIf IlrOI,erly fllr II militllry purllo.o. 1lllIdud" /Iny eonu1lu"lel IIf IIny IIf Ih,,,, lli.dIlHIl~ III 11
nuclear WVIII'"n .hlll1 b. del'lIIed II wnrllk. IICI.VlIIII IIccilhnlllll
II. rOlullil11l froll1 Iho ownenhil'. II1l1lnt.nllncI, u... loodlllll III unlo.dlllll IIf IIlnnfl. (Thl.
.xclulllln dool nol apply 10 bodily In)urylo II penon whllll",fllrmlnll duliee II II clom.../il'
employee of an In.ur.d.)
c. r'lulllnll froll1 Ihe own.uhlp. lI1alnl.nllnc.. u... load 1ft. 01 unloadlnl by In In.ur.1I III
motorlled vehicle. 01 wauIerafl. exultlal provided und" Incid.nlAll.llbUily and M..lic.1
I'aym.nll Coverall"; (Thl. ,xclu.lon do.. not IIpply 10 bodily Injury 10 I penon whU.
performlnl <full,. II' II dum..tle IImplfIY.' of In In,urld.)
d. r..ullinl froll1 Ih. u.. of II molortlld v.h1cl. In Iny rAflnl. Ip.ed. pullinll 01 l'Ulhlllll,
d.molillon or .Iunlinllaclivlly 01 conlnlor In Ih. pl.cllfe or prtplIfadlln for lueh al'llvlty <lr
conl..l;
.. r..ullln. from Iho rend.rlnll of or falllnlllo flnd.r prof...lonll "rvlf..;
f. I..ulllnl from aclivlllu In connection wllh an In.ur,d'. bu.ln,... IIcepllll provid.d Ulllhr
lncld.ntal LI.blllly and Medlcall'aymonll Cliver....;
I. r..ullln. flam pr.mll" owned, unted or conlrolled by an In.ul',d oth.r Ihln Ihe In.ur..1I
premll"; (Thll nelu.lon do,. nolapply 10 bQdlly Injury 10 a p.raon whil. performln, dull...
al a domlltle 'mplu~',. of an Inlurld.)
h. reaullll1J flllm MIlly IttJu'1 or prop.rty """'III' UUlld Inlfnlll'nally by Of lllho lIir."lvl\ tlf IllY lIu",,".
I. for bodily Injury If b.n,fil. lIr'llaYllble III requlrtd \U b. provllled by In 1,,,u,,II und., any
worker'l comp.n.allon, non.oeeullllUonlll dl.llblhIY, occupallonal dl..... or .Imillll I,Wi lIr
j. for which an In.u"d under Ihll polley I. allu an In.u"d und.r a nllel..r .nfln Ii.blhty l'llll< )'
or would b. an In.urllll bUI fol Ih.nhalllllonllllllllmlll lolfll.blllly,(A nllflflun,rllY lillhllllY
polley II a policy IlIu.d by Ih. N uel'flr t:nllllY 1.I.bUlly Inauran" A'IOCI, allon. MUll..' A llmlll
Enerl)' Llllblllly Und.rwrll".. Nurlnr lnlur.ne. A,.odlllon of Canad.. or any lif th.lI
.ueell.on.)
:l. f.'xclullo". Ihal Apply ollly tol"rlonal Llablllly. Thl. rov."" dUfll\lIllIJll'ly ll,ltll.,h\\
II. tor bodily Injury 10 ~'ou and. if r"ld.nl. of )'our hOIl..hold.10U1' ,,1.Uv... and .ny lIlh-,
p.non und" Ih. "0 of 211n ,our cart or In Ih, ca,. of yOllr r..ld.", "lllina;
b. a"lImtd IIndar any conlracl or IIlI,,'em.nt, ncepl al pruvlded una" l"fld"uall.lablllIY 11".1
Mtdleal Paymenl. Cov.,a,":
c. fur d.ma.. to prllptrly Gwntd by IIny In.urrd:
II. lor d.mall' 141 properly r.nled 10, nreul,ler! by, 1I1f,1 hy, 0' Irllll. Clrtl.f In ""11,..11, nt...
..clullon duel holapply to propllrl1 dllmll'. to III.u,,1I pr,ml". Cllllatd by 0,.. ."wk.. '"
IIplo.lon.)
e. fortlckn.... dl.....lIr d..lh lit II IIl1m"t1C1 ,mploy" IInl.... IYflU.n nullc'la ,..,.lv",II.)' II.
wllhln 36 month. .fter th, ."d of Ih, poU!'y p"iod In whk-h Ih. Inj",)' IlC'Cllft, (i'
t. r..ulllnll frllm Ihe dll..h.r,.. dl.p.nal, nl'.1I or '.U(I4! of ...1111, Ilqllld Ilf ."....u. w.ul.
mlltrl.11 or olh., poUulllnllln141 or upon lanll, Ih. 'llllu'flh,,, IIr !I"Y Wllt'fll\l,', lit i....ty 0'
WII". (Thll ,ulu.lvlI do.a oul 1"I'b' it IUl'h dIICh..", 4lt",r,II, 111.1.. IIf 'lIiipl' I, tlllltlm
and accld,nlal.)
:t K.rtlu,'on. '''"' Apply only 10 ""cll..all,",~m.."'. 10 OIIt"., Till. 1'11'''1'' "lif' ",,' '..I.b (;.
bodily In)ur)".
.. to In t","r.d nul a da",..II.. "mplu.~,.., II' ulh.. P"f/JIl, rflllll,"I)' ,..idln. II"ah. ',,'UTIII'
~~~ '
It. '" any pI,.on \I hil,on Itll In,urld p"ml." b'~'lI" It ffl"ln...,. .."nd*'t.t4 If' 1'.",..t~'f...1
..rvle.. a" r,/lII"td on III, I".ured /lr.ml..." Of
C, It, any perlll!n, Ine'lIdin. It ,t"m"t/ct ''''lIluJIIII. If b.,,,1I1.4I I'. fifll...id.4 "114,,, ,IIY ..",~.,'.
CIfflIPlIllIUlln, 1It1n"It'l'lIl1l1llt1n41,1,".bIHty. ,it'l'II/"Il"n...I 41"...., !if .lmll" I..
MI.II
1\,\1"
I.J
"\".,,i_'" UH-
tN TIH: COVIlT Of COMMON 1'!,Ir:A
Ot' CUMIll1:IH,^NU COUNTY,
re:NN!lVIN^N IA
CIVIL ^rTICIN . I~w
No, 9~.()07~ C vii Terlll
EVERETT eMU HU'fUAl.
INI1UR^NCF. COMI'ANY,
I'/Alntlff
VI.
OIl:NIWAl, ^CCIIIENT INilUlt^NCt:
COMPANY or AM~RICA,
DIlfe!n(\lIl\t
81'IPIJl.A'fION or TIl!l: PAII'flr:_
':!J
. -'1
'.{J
~j~:"
,.-,:it
:~jI~
;"d
,.'.
14. l'lt 1<"
IIAln, YO\(, ItI~f''' ~11^VIo4^HH
tl"UU....UI HUH
Y~'III, I'lu",njVAW4 ";101
.
-
:";\:~I
Y 'J \} i"
, ,
i .. ( ~.
lIe Ii.'
~
-
J1
EVERETT CASH MUTUAL
INSURANCE COMPANV,
PlalntU't
IN Tilt: COUIl1' 01' COMMON 1'I,r;A1l
of' CUMIlI::III.^NI> COUN'rv
v.
NO. 95-75 CIVIL TERM
GENERAL ACCIDENT INSURANCE
COMPANV or AMERICA,
Defendant
DII'IKDAN'l". MOIl QH rOR .Il1J1lW\UIlDOtllllT
AND NOW, com.. the OetendAnt, Oenorlll Avuldent In.uranue
company at America, anr! by Ite attorney.., IIIAkey, Vo.t, IlupP ,
Schaumann, rile. thl. Motion tor summary JU~9m.nt A' tollow'l
1, Thl. matt.r con.l.t. at Plalntlrf'. aotlon a9l\ln.t thl
Detendant tor contribution. Complaint,' 10.
a. P1alntUt alleQe. that 1'lalnUrr IInd llllf.ndftnt, both ot
Which ar. In.uranc. comp~nle., 1.lued 11I8ur_1I01I pallol', thAt
covered the 11Im. 10", And thu. thl VutenllAnt I. liable to
plalntltt tor contribution or 1\ portion or the amount at the 1011
whloh pla1ntHr paid thl Inlurl" covend by It. IlollllY.
J. ror an Inlur.r to bl entItled to uontrlbutlon trom
another Inlur.r, the pOllole' III qu..tlnn mUll Ihlure the ..m.
property, the um. Intlr..t, "nil the 1M"'. r I Ilk . ttllallU\.JiAL.
In_... !:Q. y, t1ut(QLl1..lltll..lnaJ"J:.Q., .,O~ 1'.IIUI',I. tl41, 1\40 II.D.,.,
1!I191loJtltll1 Rtllluu:a In.,(;,Q'.".y.....Alltt4U1nuUh,,(;lh, U4
,.lIupp. ...., 4117 (I:,O.I'ot. lUll, Iltt'." f.1l1 1'.111 IlOH Ord <lir,
Uta) .
4. Plaintiff ,_.yeHI It homMOWllllU 1".'11,111('. J'(flluy to
Tholllll, ./14 Ponn.. D.fJllnfJ lu pnwl.l!il /JOV.""," 'ur U,.If' hOIll.
locithd at Ul w..t "MIIICln tltlV., ('MII*I.., l~UIl!i>tJrll",(t county.
r.nn.ylvAnlft, which WI' Yn~.r con.tryetion At th_ tlm. of 10...
cOlllphlnt, , ;),
D. Tho hom.awnorl inlyran",. Iloitey iny.a by 'IAintHt
In.ur.. the Intoro.t ot tho Doqllnq' In tho hom. undor
oon.truotlon 4I-OWntrl. Tho tn.urlnoo pOlloy I..ula by 'laintitf
110.. IUlt. n... W.rn.r 11011\", Ino" II An lnlur~.
4, p.t.ndAnt 1.,uoa " ~ulld.r'l ftilk tolioy to Wlrn.,
IIgm.., Ina., which provla.a oov.rAQ' of tho ~qllnq'. ho.o whll.
It w.. und.r eonltrYotlon. Complain'"..
1, Tho I\lild.r'. _l.k polloy IIIU.a Py O.f.nIlAnt In.ur.,
th. lnt.r..t of Warn.r 110"', Ino., In thl ho" und.r
cgft,trueUoll AI I ,RIIUIiI&l\ll.Q.QOUl\WU. 'th. In.unn,,o poUOv
I..~.d by O.t.nIlAnt doo. nil n... tho P.~llnQ' .. in.ur.a.,
I, Th\l', whll1 both In'ur.no. pQ"olo. coVe, tho ....
proporty, th. pollo1t. cov., dtrt.f.nt In.ur.a. "n4 protoot
41f'.ront in.urAb1t int.ro.t"
t, I'Q.~" th. In'YflnQI ,gll~l.. @l.4,lv au not l~ur.
th. .... lnlur.a. or thl .... int.r..t., rl.1A'l" h.. t.l1.a to
.ll~., Ind ~.nnQt prov., th. t.~t. th4t .r. ft.~....ry t@ .tAt. .
{,'iIIH.' 0' Agt"," .1;111".' (JtJh,,~4.fjh 'filr 4i~ntfllAi'h.f" If.. tUWQO
lt4....~lDI..CflA' ''''ptlll bUjml~,J,l~b~~' flY'"'' I lIf1!ol,t\I(A,.l\K.t"~
~q.._.x","f:ftlluiU.l"J~jl\i4UldAlh~' H r,;'\llH} Ord (,lr, un),
~F', d.nied, ~.~ U.8. '17, ~@ ~.Ct. 'I, 1. b,~4. 41' (l_'~),
10. ~. 4 f..~lt ~f ~t4'ftllf"_ t~'lijr. .~ .ll.~. Q, prQVI
t.~\. .~"'@l'Nt tg .t... 4 ~4~.' @f .~'l~n f~J, ~~ftt"~ti~n, th.
~"'~Rt II .fttltl~* tQ )~~I~H' tn P.f.~~Ht'. '4Vgr 4. 4
uU., @f lAW.
-.....
WHIR.rOR., Derendant movee thl. Court to enter judqment ln
ravor or the Derendant And AQainet the Plalntlrt, And dleml..
thl. aoUon.
Re.peotCully .ubmltt.d,
BLAKEY, YOST, IIUPi' . SCUAUHANN
(
'.
DonAld P. 110 t, .qu re
'upreme Court 1.0. I 18001
Attorney Cor Oerendant
17 Ea.t Market Street
York, Penneylvanl. 17401
(717) 84!l-HI74
~, :I:
_ __._ _. C-;:-'.'C'
1 N '11n:: OJ.JlI1' 01' Cl>>-Ul I'IJWI or
Cl.tlll1~U.NlD cnJN'1'V. I'I':NNHYLVAN1 ^
C 1Vl (.. ACfl 00 . l,^,i
NO, 95.75
(.',t..;.Clit!!
(,' !. IW!f1
\, ('.:f f ~~,
: l-YN1i
" !.I jl09
0' (~~JllT{
!, ',' ':1.1\
.. ,-~ I I . /'
.1"J, Ii I~~: "" ~
MIU:."M' eN;! I KTI\!.\1, I tflllrwn~
O]1I'Nfi
'. _~ *~ ,-' "'i .ii._ '\--il(
'.' . .... .~ij _~ t _.
l '\. ..,,,
~l;1"'" - '"l
VI,
OllNlAAL MX:IPmT 1~
CX}11'AN't or NitlllCA
~ltI K1l'1~ tOO ~
JUXMm'
HU'thlll
BIAI( n, Yl.m, 'V..I' It ~WAI!I.wm
.".,\;., .Uhf ul~H
Yvu, I'Jli,HHV"'i1.4 \1.01
Y.
I IN THB COURT or COMMON PLEAS or
I CUMBBRLAND COUNTY, PBNNSYLV~NI~
I
I
I NO. 95-75 CIVIL TBRM
I
I
I
I
EVERITT CA'H MUTUAL
INSURANCI COMPANY,
p1aintitt
OENERAL ACCIDENT INSURANCE
COMPANY or AMERICA,
Detendant
pLAINTIFF'S ~!MORANDUM IN OPPOSITION TO
PJFENDANT'S MOTIQN FOR SUMMARY JUDGMENT
Dr. and Mra. Oe91in9 contraoted with Warner 110m.., Ino. to
build th.ir ho.e. Whi1. the hou.e wa. under con.truction it wa.
da.aQed dua to the wei9ht at io. and .now on February 11, 1994,
Everett Ca.h Mutual i..ued a homeowner'. polioy to the D.91in9.'
o.neral Aooid.nt had i..ued a build.r'. ri.k po1ioy to W.rner
110..1. Both po1ioie. oov.r.d the home whi1. it wa. und.r
oon.truot1on tor d..'Q. oau.ed by the w.i9ht ot io. and .now.
rollowin9 the 10.., Ever.tt Ca.h Mutual .ettl.d with it.
in.ured., aeneral Acoid.nt r.tu.ed to partloipat. in the
.ettl...nt ot the 10.', .0 Bv.r.tt Caah Mutual ha. tiled an
lotion ...kin9 oontribution.
O.neral Aooident h" tiled a motion tor .u..ary jUdQ..nt
re1yinq on Hl..1Rn Nil, In',,~1 X. HlItl~(d 'ire In., Cg~, 701
,. 'upp. t.~, 141, (8,D. Pa, 1"9), whioh held, -'or an in.ur.r
to be ent1tl.d to contribution tro. another in.ur.r, the pOlioie.
in que.tlc" .vat in,ur. the .... prop.rty, the .... inter..t, and
the .... ,iak,- The,. i. no qu._ticn th.t both poliol.. cov.r
t~ .... property and the .... ri.k, On. in.ur.. the owner.,
howev." and 'he other inaur.. th, bUlld.r,
Curiou.ly, the court in K1aa1oD r.l1.a upon co...rall1 Untan
In.. v. Bitulllinoq. Cn. CO~>>lI III r.aa " prd Clr, UII). In
that ca.. the inlur.r ot the own.r til.d In lotion AQIln.t I
lubcontraotor'. inlur.r tor oontrlbution tor the a...,. to I will
und.r oonltructlon. Th. di.triot court h.ld that the oantrlot
b.tw..n the parti'l pr.oluded . lubroqltion 0111a by th. own.r"
o.rri.r. Th. Third Cirouit Court ot APpe.l. a9f.ed, but r.v.r..a
holdin; that the own.r" inlurer could brln9 an lndep.ndent alu.,
at action tor contribution a;.inlt the .uboontrao,or'l tn.ur.r,
Th. court ot app.al. (Ind allo the court in 11111;0) 01'14 Couch
on Inluranc. 2d, '6al 151 (1'11) which Itlt..1
The ri9ht to oontribution 1. prldloltld on the
prinoiple that all in.ur.rl are ~Ullly lllble for 'h.
dilchar,e ot I co..on obl1qltlon, Ind .rl." Iv.n 'houth,
tor the obliQation involved, 'h. .ur.tla. Ira bound by
"Plr.te in.tru.ant., The prinolpl. ot oontributlon
a.lu..d the ..l.t.nc. of two or lor. valld oon\,lo', ot
inlurane' oov.rinq tha plrtioular lo.a and thl ,.'lioular
ca.ualty in qu.atlon. ISl r,ad It 101.
Acoordin, to the Third Clrouit Court nf App.all Ind 'h.
tr.at1.. on in.uranoa, Iv.r.tt Clln Mutual ...t. tha rlquir..."'.
to eo.pal oontributlon. Th.r. Ir. two v.lla QOnt'lotl ,t
inaurlnc. oov.rin, the partloular 10.. . th. da..,. t. ,~
bul1dinQ, and th. p.rtloular oa.ullly - Oly.ed by 'hi ~Il'ft' .f
io. Ind Inow,
W. .U9V..t thlt court .houla ~on.14.r lnt ~ultl" l"Y~'v~.
Thil il I not I .ltultion whir. O~ vo~.ny 1. 'fl~fY .~ .~
oth.r i, .xe.... loth Ir. ot .qijll priorlly. IV.f." ~..~
Mutu.l h.d . duty '0 1t. inlur.a. tq ~'ijI' .~ p.Y ,~ ."",.
v.
I 13 OLER
I itl TilE COURT 01" COMMON PLEAS 01"
I CUMBERLAND COUNTY, PENNSYLVANIA
I
I
I CIVIL ACTION - LAW
I
I
I
I V5-75 CIVIL TERM
EVERETT CASH MUTUAL
INSURANCB COMPANY,
Pla1nt1tf
OENERAL ACCIDENT INSURANCE
COMPANY 01" AMERICA,
Defendant
ORDER OF COURT
AND NOW, thia 37th d.y of D.oamb.r, 1995,
tOllowinq a pr.tri.l oont.ranoa in the .bov.-oaptionld matt.r in
which the Pl.lntiff w.a r.praaantea by William A. Addam.,
I.quir., And the D.fendant wa. rlprl.entld by Donald B. Hoyt,
I.quir., and D.vid R. Campbell, E.qu1rl, and purauant to .n
.qr....nt ot oouna.l, the Dlfend.nt'G motion for .umm.ry
jUdqm.nt Ihall bl di.po..d ot by the underliqned judql alon.,
tOllowinq thl t1lin9 ot brieta on beh.lt of the part lei and oral
ar;uI.nt. Th. brier of thl mOVing party, O.flndant, ehall b.
due on or blfor. Monday, January 33, 1996, And the bri.r of the
rlapondinq party, Pllintirf, ehall b. dUI within a.vln daya
thenatttr, Arqll..nt 1n th1. .athr .hall b. h.ld on Monday,
'lbruAry 5, 199., at 11100 ..., A nonjury tr1al in th1. matter,
1n the IVlnt that thl lotlon for lu..ary jUdqment 1, a.oidea
adv.r..ly to the D.flndant, .hall be held on W.dnllday, May I,
I"., at '100 .,.,
WILLIAN A, AOOAH', IjQUI~1
ror thl rlalntl"
DONALD a, "QY~, "QUIM'
OAVID ft. CAMI'I\U.t., UQUIU
'or thl P.,end4nt
:;:.~~~
~ Court Ad,Int.tr.tor
\oI~'Y
EVERETT CASII MUTUAL
INSURANCE COMPANY,
pla1nt1 tt
I 13 OLER
IN TilE COURT Of COMMON PLEAS Of
CUMBERLAND COUNTY, PENNSYLVANIA
v.
CIVIL ACTION - l~W
GENERAL ACCIDENT INSURANCE
COMPANY or AHIRICA,
Oet.ndant
iU)
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~"
9'-" CIVIL TERM
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ORDER OP f;OURT
"\1
I 't,
toUowinQ
AND NOW, thi. 37th day ot Deoember, 1991;: ..
. ..
a pretrial oonterenoa in the above-oaptioned ..ttir
whioh the Plaintitt waa repreaented by William A. Addama,
,
zaquire, and the Oetendant w.. repreaented by Donald a. noyt,
lequir., and David R. Campb.ll, laquire, and purauant to an
.qr....nt ot oounael, the D.tendant'a motion tor lummary
jUdqaent ahall be di.poaed ot by the undlrei9ned judql alone,
tollowinq the tilin9 ot brieta on behalt at the partiea and oral
arquaent, The briet ot the mov1nq party, D.tendant, ehall be
duu on or b.tore Monday, January 33, 1996, end the bri.t ot the
r..pondinq party, Plalntitt, ah.ll b. due within e.vln d.ya
th.r.lfter. Arqu.ent in thi. .att.r .hall be h.ld on Monday,
r.bruary 5, 1"6, at 11100 .... A nonjury trial in thia ..tter,
1n the .v.nt that thl aotion tor au..ary jud9m.nt 11 de01dld
adv.r..ly to thl O.tendant, ahall b. h.ld on Wedne,day, Hay I,
1"6, .t '100 ....
WILLIAN A. ADOAH', C3QUlac
rot tne 'lalnt1ff
UOMA~ ., HOVT, ~_OUIM~
DAVIU M. CAMr.~~~. JMOUIP~
ror th- p.'.nlI4nt
:t-'h~ ::'1t2LL
J M~O~'r., J. .
Cuurt ~mlnl.trAtor
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