Today, we will look at the case law and show how the Courts have made their decisions on what are sometimes very fine factual distinctions indeed.
Having done that, we will look at how that decision on causation impacts on policy coverage and, in particular, the exclusions that are routinely introduced into policies for things like wear and tear, inherent vice, corrosion etc. and how the Courts have looked at these issues.
- Causation – what is the law?
- Common coverage issues
- Common policy exclusions e.g. wear and tear, corrosion and inherent vice
- The recent (April 2017) case Leeds Beckett University v Travelers Ins Co on ‘gradual deterioration’.