Is My Drywall Chinese? - HB Litigation Conferences

State Limiting Exclusion
to “Industrial” or
“Environmental”
Pollution
Applying the
Exclusion Literally
Florida Deni Assocs. of Fla.
v. State Farm Fire &
Cas. Ins. Co., 711 So.
2d 1135 (Fla. 1998)
Georgia Reed v. Auto-Owners
Ins. Co., 284 Ga. 286,
2008 Ga. Lexis 746
(2008)
Illinois American States Ins.
Co. v. Koloms, 687
N.E.2d 72 (Ill. 1997)
Kim v. State Farm
Fire & Cas. Co., 728
N.E.2d 530 (Ill. App.
Ct. 2000) (applying
exclusion because
pollution was
traditional
environmental
pollution)
Indiana American States Ins.
Co. v. Kiger, 662
N.E.2d 945 (Ind.
1996)
- 2 -
Pekins Hardwood
Lumber Co. v.
Bituminous Cas.
Corp., 378 S.E.2d 407
(Ga. Ct. App. 1989)
Product or Material
Damage from
accidental
contamination from
ammonia and
spraying of insecticide
Carbon monoxide
poisoning of tenant
from landlord’s
failure to maintain
rental property in
good repair
Damage from car
accident due to
reduced visibility
from smoke
Release of carbon
monoxide
Faulty dry cleaning
equipment released a
chemical into soil
requiring
environmental
remediation
Refusing to bar
coverage for leaks
from gas station
because
policyholder’s
business involved
selling gasoline