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<DIV><FONT color=#0000ff size=2 face=Arial><SPAN class=187553320-15082011>As
Chris Weiss told us last week, a common fact pattern in Florida is slow,
progressive water damage which is latent until there is an outward
manifestation. I mentioned that for CGL insurance purposes under
<U>JSUB</U> where a general contractor claims that a sub's poor work led to the
damage, there is a hotly contested issue as to when insurance
coverage is triggered. This issue may be resolved by the 1st DCA when
it reviews the attached Circuit Court Order. Amerisure has expressed a
desire to make this a test case to resolve this issue under Florida
law.</SPAN></FONT></DIV>
<DIV><FONT color=#0000ff size=2 face=Arial><SPAN
class=187553320-15082011></SPAN></FONT> </DIV>
<DIV><FONT color=#0000ff size=2 face=Arial><SPAN
class=187553320-15082011>Several Committee members asked me to
forward the briefs in this recent case. While the briefs are
long the issue can be summed up as is there insurance coverage as the
damage is occurring (even if not known until later) or must there be an outward
manifestation to trigger coverage?</SPAN></FONT></DIV>
<DIV><FONT color=#0000ff size=2 face=Arial><SPAN
class=187553320-15082011></SPAN></FONT> </DIV>
<DIV><FONT color=#0000ff size=2 face=Arial><SPAN class=187553320-15082011>If
this version stands, this will benefit general contractors who had older
policy forms that did not expressly exclude this coverage, as most of the newer
ones do. I hope this is helpful to the Committee
members.</SPAN></FONT></DIV>
<DIV><FONT color=#0000ff size=2 face=Arial><SPAN
class=187553320-15082011></SPAN></FONT> </DIV>
<DIV><FONT color=#0000ff size=2 face=Arial><SPAN class=187553320-15082011>
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