65 Mass. App. Ct. 782 | Mass. App. Ct. | 2006
After discovering an outward bulging of the brick facade of his home in the North End section of Boston, Charles Solimine filed a claim for damages under an all risk homeowner’s insurance policy that he had purchased from the defendant insurer, Massachusetts Property Insurance Underwriting Association. Engineers retained by the parties investigated and reported their results. The insurer denied the claim, stating that it was explicitly excluded from the policy because the damage was caused by lack of maintenance, normal wear and tear, and deterioration. The plaintiff filed an action in the Superior Court
1. Background. It is undisputed that the insurer sold the plaintiff a homeowner’s insurance policy,
In his opposition to the insurer’s motion for summary judgment, the plaintiff, citing Jussim v. Massachusetts Bay Ins. Co., 415 Mass. 24, 27 (1993), maintained that the efficient proximate cause of the damage was the incursion of water into the building, a covered event. That assertion was supported in the record by the plaintiff’s expert. In any event, there is no dispute that the rusting was caused by water which entered at some location in the building, at some time, and from some source. The location, time, and source are not certain.
2. Discussion. In Jussim v. Massachusetts Bay Ins. Co., the Supreme Judicial court discussed the “train of events test” for coverage disputes, such as in this case. Ibid. “That test seeks to determine the efficient proximate cause of the loss. If that cause is an insured risk, there will be coverage even though the final form of the property damage, produced by a series of related events, appears to take the loss outside of the terms of the policy. . . . ‘When it is said that the cause to be sought is the
In this case, the evidence in the record indicates that the active efficient cause that set in motion the events leading to the front facade’s outward bowing was water, and water damage is covered under the policy. If the record discloses sufficient evidence that the water entered because of maintenance neglect, wear and tear, or deterioration, without being preceded by some other covered event, then the insurer is entitled to summary judgment. However, if the insurer has not presented sufficient evidence of some excluded event which precedes the entry of the water and is the initial event in a chain of causation, then the insurer may not have summary judgment. Compare Bettigole v. American Employers Ins. Co., 30 Mass. App. Ct. 272, 275-276 (1991).
We are not satisfied that there is sufficient evidence presented by the insurer on this record to dispel a genuine issue of fact whether defective maintenance or wear and tear was the cause for the entry of the water. We have, above, identified the uncertainties of the water’s entry location, time, and source. See Golub v. Milpo, Inc., 402 Mass. 397, 400 (1988) (“A court must deny a motion for summary judgment if, viewing the evidence in the light most favorable to the nonmoving party, there exist genuine issues of material fact”). There also remains a genuine question whether the entry of the water onto the plaintiff’s property was itself a covered event, e.g., illegal runoff from an adjoining property. See Jussim v. Massachusetts Bay Ins. Co., 415 Mass. at 30. The insurer’s evidence of when the water entered ranges ambiguously over one hundred years, perhaps beginning with the building’s design and construction in the late nineteenth century. Based upon the record, the insurer, without explanation for the source of the water, has not
Judgment reversed.
The insurer acknowledges that water damage, unless explicitly excluded, is covered under the policy. Under its section on perils insured against, the policy, in relevant part, provides the following exclusions from coverage:
“We insure against risk of direct loss to property described in Coverages A and B [dwelling and other structures] only if that loss is a physical loss to property. We do not insure, however, for loss:
“2. Caused by:
“e. Any of the following:
“(1) Wear and tear, marring, deterioration;
“(2) Inherent vice, latent defect, mechanical breakdown;
“(3) Smog, rust or other corrosion, mold, wet or dry
“(6) Settling, shrinking, bulging or expansion, including resultant cracking, of pavements, patios, foundations, walls, floors, roofs or ceilings.”
In addition, under the exclusion section, the policy, in relevant part, provides:
“1. We do not insure for loss caused directly or indirectly by any of the following. Such loss is excluded regardless of any other cause or event contributing concurrently or in any sequence to the loss.
“c. Water Damage, meaning:
“(1) Flood, surface water, waves, tidal water, overflow of a body of water, or spray from any of these, whether or not driven by wind;
“(2) Water which backs up through sewers or drains or which overflows from a sump; or
“(3) Water below the surface of the ground, including water which exerts pressure on or seeps or leaks through a building, sidewalk, driveway, foundation, swimming pool or other ■ structure. <6
“e. Neglect, meaning neglect of the ‘insured’ to use all reasonable*784 means to save and preserve property at and after the time of a loss.
“2. We do not insure for loss to property . . . caused by any of the following. . . .
“c. Faulty, inadequate or defective: <<
“(2) Design, specifications, workmanship, repair, construction, renovation, remodeling, grading, compaction;
“(3) Materials used in repair, construction, renovation or remodeling; or
“(4) Maintenance; of part or all of any property whether on or off the ‘residence premises.’ ”
The insurer has never denied that water damage is, unless otherwise excluded, a covered event under the policy. On appeal, the insurer acknowledged that the motion judge overlooked that the water below the surface of the ground exclusion did not apply to the water damage in this case, and based his decision on this inapplicable exclusion. Once basic risk coverage is established, the burden shifts to the insurer to prove the applicability of any exclusion to coverage set forth outside of the insuring clause. See Murray v. Continental Ins. Co., 313 Mass. 557, 563 (1943); Ratner v. Canadian Universal Ins. Co., 359 Mass. 375, 381 (1971); Highlands Ins. Co. v. Aerovox Inc., 424 Mass. 226, 230 (1997).
In view of our disposition of the case, we do not address the plaintiff’s G. L. c. 93A claim.