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When does coverage trigger for construction defect claims?
The cause (occurrence) and effect (property damage) are definite in both time and place, and both are readily apparent. It is simple to pinpoint when the property damage occurred, and it is when the property damage occurs that triggers coverage, not when the work is done, for example, in a construction defect claim.
Can a claim for more than one policy be triggered?
More than one policy is triggered. The injury-in-fact theory stays true to the policy requirement that only property damage that occurs during the policy period is covered, whether detectable or not. In the context of latent, continuous, and progressive damage, more than one policy can be triggered.
When does a CGL claim trigger an activating event?
(Contrast this with the claims-made policy, wherein the activating event is when the claim is first made subject to a retroactive date, which is the date on or after which the property damage must occur.) “Trigger” is a term of art used by legal and insurance practitioners that you will not find in the CGL policy.
Can a CGL claim be made before property damage occurs?
A manifestation or discovery jurisdiction would say no. But the CGL policy requires that property damage occurs during the policy period. It does not say that the property damage has to be seen, heard, or discovered. So, it must be conceded that property damage can begin before it is discovered or becomes manifest.
How to calculate test coverage in software testing?
Step 1) The total lines of code in the piece of software quality you are testing Step 2) The number of lines of code all test cases currently execute Now, you need to find (X divided by Y) multiplied by 100. The result of this calculation is your test coverage %.
Can a construction defect result in physical injury?
The defect can, but not necessarily, cause damage (or physical injury) to the work itself, to other work or property, or to both. The construction defect may cause no damage at all but still result in a claim for damages.
How is test coverage achieved at code level?
At code level or unit test level, test coverage can be achieved by availing the automated code coverage or unit test coverage tools Functional test coverage can be done with the help of proper test management tools