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Coverage Triggers for Construction Defect Claims

It is a challenge to determine when property damage and bodily injury occur, and how, in continuous damage/injury claims. Various creative and convenient trigger theories have developed to determine not only when the damage/injury occurs to satisfy the insuring agreement provisions and the definitions of property damage, bodily injury, and occurrence in the CGL policy but also to allocate or apportion financial responsibility in an equitable manner.

Joseph M. Junfola

Insurance Claim Consultant

Junfola Claim Consulting