Section 15.7 Property Damage

• Library: Insurance Practice 2015

No Missouri decisions provide guidance on the trigger of coverage that applies when latent property damage occurs. Courts in other jurisdictions have applied different triggers of coverage in these circumstances. See, e.g.:

· Lac D’Amiante Du Quebec, Ltee. v. Am. Home Assurance Co., 613 F. Supp. 1549 (D. N.J. 1985) (continuous trigger of coverage to both underlying bodily injury and property damage claims);

· New Castle County v. Cont’l Cas. Co., 725 F. Supp. 800, 813 (D. Del. 1989) (“The continuing damage caused by the gradual spread of leachate from Tybouts supports the analogy to the development of an insidious disease.”) (continuous trigger applied);

· Ducre v. Executive Officers of Halter Marine, Inc., 752 F.2d 976 (5^th Cir. 1985);

· Ins. Co. of N. Am. v. Forty-Eight Insulations, Inc., 633 F.2d 1212 (6^th Cir. 1980);

· Grinnell Mut. Reinsurance Co. v. Wasmuth, 432 N.W.2d 495 (Minn. App. 1988) (exposure theory);

· Mraz v. Canadian Universal Ins. Co., Ltd., 804 F.2d 1325 (4^th Cir. 1986);

· Allstate Ins. Co. v. Quinn Constr. Co., 713 F. Supp. 35 (D. Mass. 1989) (manifestation theory);

· Am. Home Prods. Corp. v. Liberty Mut. Ins. Co., 565 F. Supp. 1485 (S.D.N.Y 1983), aff’d as modified, 748 F.2d 760 (2^nd Cir. 1984);

· Detrex Chem. Indus., Inc. v....