What Constitutes Physical Loss or Damage in a Property Insurance Policy?

Winter 2019

Most property insurance policies require “physical loss or damage” to insured property as a threshold requirement for coverage. In most property damage losses, this requirement is easily met. When, for example, insured property is damaged by fire, water, or wind, there always will be a physical change or structural damage to that property. But when the insured property’s structure is unaltered, at least to the naked eye, and the insured claims the property’s value, usefulness, or functionality has been lost or diminished, questions arise whether coverage is triggered.

Tort Trial & Insurance Practice Law Journal

The articles on our website include some of the publications and papers authored by our attorneys, both before and after they joined our firm. The content of these articles should not be taken as legal advice. The views and opinions expressed in this article are those of the author(s) and do not necessarily reflect the views or official position of Robins Kaplan LLP.

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Scott G. Johnson

Partner

Chair, Minneapolis Insurance Group

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