According to the Opinion, the Plaintiff filed a declaratory judgment action seeking coverage under its property insurance policy for operating expenses incurred while its adult daycare center was closed due to COVID-19 orders.
The court found that the Plaintiff did not show any evidence of a physical loss of the premises.
The court additionally stated that the civil authority provision did not apply under the circumstances presented.
The virus exclusion in the policy was also found to preclude coverage.
As such, the court granted the carrier’s Motion to Dismiss.
Anyone wishing to review a copy of this decision may click this LINK.
Source: “Digest of Recent Opinions.” Pennsylvania Law Weekly (Oct. 21, 2021).
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