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Expert Analysis

Texas High Court Clarifies Multiple Perils Coverage Scope

Law360, New York (May 8, 2015, 12:40 PM EDT) -- Often damage to a building or structure can be the result of multiple perils. One of the most common examples is when a windstorm causes a building to sustain both flood and wind damage. Based on the policy language at issue, there are three situations that can exist: (1) both perils are covered; (2) neither peril is covered; or (3) one is covered and the other is not. In the situations where both perils are either covered or not covered, the analysis is simple. However, when a loss involves both covered and noncovered perils, the analysis is more complex....

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