marring exclusion News

The ‘Marring’ Exclusion Makes Its Way Across Florida

In July 2013, Florida’s Fourth District Court of Appeal held in Ergas v. Universal Property & Casualty that there is no coverage for tile damage caused by a dropped object. Since then, Florida’s Second and Third Districts have issued similar …

Chipped Tile Claims Meet the “Marring” Exclusion in Ergas

In Ergas v. Universal Prop. & Cas. Co., 2013 WL 1748574 (Fla. 4th DCA April 24, 2013), the Fourth District Court of Appeal issued an important order for Florida property insurers. The court held that the “marring” exclusion barred coverage …