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The Rough Notes Company Inc.

Coverage Concerns

    The importance of a condition

The importance of a condition

Mitchell was the pilot of a Cessna 414 carrying two passengers when it crashed, killing all occupants. Potter owned the plane and permitted Mitchell to pilot the craft because, based on the information provided to Potter, he was considered a professional pilot. U.S. Specialty Insurance Company declined Potter’s claim when presented because based on the pilot’s logged hours condition, Mitchell was not qualified to pilot the craft. Potter argued that

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    Turning rain into rainwater

Turning rain into rainwater

A corroded cast-iron pipe ruptured while it was carrying rainwater from the roof to the storm sewer. Unfortunately, the pipe was on the inside of the building. The water that rushed out following the rupture caused significant damage to Amish Connection’s office so a claim was filed with State Farm Fire and Casualty Company. Unfortunately, State Farm denied the coverage because the policy limitation stated that interior damage by rain

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    THE DANGER IN THE NEIGHBORHOOD

THE DANGER IN THE NEIGHBORHOOD

Delores Kaczor was enjoying her apartment while Pacific Restorations was working on the apartment building owned by Roy Street. What Delores didn’t know at the time was that fumes from a toxic ingredient in the deck-waterproofing treatment were wafting into her apartment and into her lungs. The fumes aggravated her pre-existing pulmonary disease. After she was hospitalized she sued both Pacific and the apartment owners, Roy Street Associates, for her

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    CAR-JACKED JEWELRY NOT COVERED

CAR-JACKED JEWELRY NOT COVERED

CAR-JACKED JEWELRY NOT COVERED Brian was driving his car when he heard a noise. He got out to inspect the vehicle, leaving it running with the keys in the ignition. As he was crouching behind the car and looking at the tail pipe a person got into the car and drove it away. While the car was later discovered, the two garment bags containing jewelry owned by Brian’s employer, E.M.M.I,

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    Did the lack of experience cause the loss?

Did the lack of experience cause the loss?

Did the lack of experience cause the loss? Holt Helicopters’ pilot was using his craft to herd cattle. Unfortunately, the helicopter crashed. The damaged helicopter was insured with AIG but after the claim was presented and investigated, AIG denied coverage. AIG argued that at the time of the crash the pilot did not have the required hours of experience which breached the Pilot Warranty. Holt sued AIG for coverage arguing

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