Legislator Jurisprudence & Législation
DE FR IT EN
Analyser dans Legislator
ATAS/642/2005 • CJ GE ATAS/642/2005 Généré par l'IA

Commercial Property Insurer Upheld in Denying Coverage for Water Damage Due to Earth Sinking Exclusion

Numéro de cause ATAS/642/2005
Autorité / Tribunal
Juridiction Suisse · Canton de Genève (CH-GE)
Date de la décision
Issue du litige Partiellement admis (Partially Allowed)
Ouvrir la source officielle Miroir Entscheidsuche Version Markdown lisible par machine (.md)

Synthèse Legislator

Généré par l'IA

A party was denied coverage under a general liability policy for property damage stemming from subterranean water intrusion under their commercial property, which the insurer claimed was excluded by the "earth movement" exclusion for resulting damage. The court found that the policy's earth movement exclusion, which bars coverage for damage caused by landslide, mudflow, or earth sinking, was triggered because the evidence established that the water intrusion directly resulted from the soil beneath the property sinking due to natural subsidence caused by underlying geological conditions. The court reasoned that because the resulting damage was a direct consequence of the excluded peril of earth sinking, the policy's ensuing loss provision did not override the specific exclusion, thus upholding the denial of coverage.

Regeste Legislator

Généré par l'IA

Art. 66 al. 1 LTF; Commercial Property Insurer Upheld in Denying Coverage for Water Damage Due to Earth Sinking Exclusion: The court found that the policy's earth movement exclusion, which bars coverage for damage caused by landslide, mudflow, or earth sinking, was triggered because the evidence established that the water intrusion directly resulted from the soil beneath the property sinking due to natural subsidence caused by underlying geological conditions. The court reasoned that because the resulting damage was a direct consequence of the excluded peril of earth sinking, the policy's ensuing loss provision did not override the specific exclusion, thus upholding the denial of coverage.

Mots-clés

Généré par l'IA
responsabilité pour dégâts d'eau assureur exclusion de responsabilité politique de l'eau politique commerciale assurance publique contre les dommages naturels

Dispositions légales citées

Généré par l'IA
Art. 66 al. 1 LTF
The court orders the appellant to pay the costs of the federal decision, citing Art. 66 al. 1 LTF.
Généré par l'IA
A/977/2007
Insurance Coverage Dispute: Earth Movement Exclusion vs. Ensuing Water Damage Loss
A/1745/2002
Insurance Coverage Denial for Water Damage Upheld
A/4365/2006
Earth Movement Exclusion in Insurance Coverage Dispute
A/560/2004
Insurance Coverage for Earth Movement Secondary to Excluded Surface Water Runoff
A/1917/2004
Insurance Coverage for Subterranean Structure Failure and Subsidence

Questions juridiques clés extraites par Legislator

Généré par l'IA
Art. 66 al. 1 LTF

The court orders the appellant to pay the costs of the federal decision, citing Art. 66 al. 1 LTF.

Vous souhaitez savoir comment cet arrêt s'applique à votre dossier ?

Analysez cette décision avec la législation fédérale, le droit cantonal, la doctrine et la jurisprudence subséquente dans Legislator AI.

Ouvrir dans Legislator →

Texte complet

               !"#$%!&$$' !('&!&$$)



* +*, ,-,  *, -+

'.  / 0  &1  &$$) 



2 34444444444 



-,-+ *, +  +, ""!# !"""# $%&'())*  

             

   /*+&0/  

, 3+

&1 2" 34444444444 " " #  5#6" &,'(   "6"# $5"55""#$7     88  2      8 9"/$7:    ; $ < =">"  " ""?<!$#!"@$"""!"/$"6#1

*1    . A" *))0 <#  ## 6""! < "    "" B @! @  != > " C " #" "1  " B !    $""$?<!"!?@#>" <5"@ "1

01 8  =" <"   , A" *))0  # B     $ <# "/"  ="  5 6    "   ## ">#  > B <@D$"  @! @1  5  ## # 5"  # "  "? <"5" !"  # "  $#" 6 "6" #"!"  #"  E"!"1

  5" !=" #  <"   ## !=# $    90.F510);1

.1   E !" <"!!="""    ?"  "6" 9 6   """ $";<##!#!55#$ "< !$7! =?#1  "  "  " !"$  B  @ .A"*))." #$G"B> $"1

'1 8  "  !# " != >"   $  <!=  " <###5##B>HH9 @I ;*(A"*))01 "5< 6## !$"?#  #$6 9#6"  $" "7>  "  $ !$>"#";1

(1  !J! A <#  ="  "6" @">" 9#K@7; B <@D$"!> C"#A?<&A"*))01

 !   5" < #6# B .L),( 51 ')1      $"  @>5" <@$"""B@ "555"" <@D$" 76"5 #5#   !""55"" <#"? AB0,(519&L'-.51;1

F1 " &05#6"*)).<#"5!#   ?<$#" # " 5<#"#6##" "$=!"?!# "  != > <#" $  !  $#  B  "6" @">" " $ ? " 6" ##  <=">"      @I  B >HH "$$@C"6"@">"$6"6" "1">#?$#"<#"6##>?<"#"#



+&,)-+*)).  /0+&0/   8" $7 ?? A  6 7 ?<" 6"  <""  6K>1  " "  5" 6" ?<" 6" #AB M ="  "6" @">" !J!@D$"B>HH*))&?<    #""66"!=#5"!# "E$6  @I 17  " <6"   "  $ ?<"  "" "55#!! $   $#1 #?"$"#    $# !=!  5 ?<" " 6"  #  <"6" @">"  1

-1 " '!*)).   5"!#?<#""6 $  5"  <"   *))& !" ?< " <K 6" $  <@$"""  ?< <6"  $"  @> ?  5 < "! !="1 < $   $$# B <# ?   N7>!  < =">"  "O $$"=  $" B <#> <#"  # ? $  "! $$"?#   $K  #A$"$6J6 "?#$ 5 "!  #"1

$#   6"!$"@>5" "! $K #"  != >!"6"#>!$# $ @>#A@$""B>HH9#";"5 <@D$"  76""/ B =">"#>1

,1  0A"*)).<#E$#?<"6" M5"$#> ?<8"<#"$$$$"#6 #1#>!5" 6" ?<" 6" M <J B >HH $ ?<" <>"" <  "=  6  $6  != >  $ ?<" 6" "!$#"6! B<!= " 7?<"?"" #5"""6!  != >6#$!= >"?"6"=" 6""1

$"E$"?#?<B$#"  != > =6" #"  #   $  "  $@" #" "  ?< #6" "" <" $ ## $"=    ""  <"#"# ?!# "!= >"$ <!=  "6"$#"#B<"!"#?<""5## @I 1  " "<>" 5"!=#<#" "?#?<"" #"?"    $" "B@>5" <@$"""$ !=?M "!"$" =>P #""1

8"$"#    "5"$6" #""5!1

&)1  #"" &(A"*)).   " "?#?5" "!  @I   6" $   =">"  ?<   B <# !! $" <#?"6  "5 >6"   <@$""" "  !  &L'-' 51  #" #AB # / B   =">" #>1 



+&,)-+*)).  /.+&0/   #!""5 $ @> "55#"!!  *L'&*51')$ E5" "! @I 1

&&1 " &.A"*)).<#5!#$$""B #""$#"# !"5? 4444444444?"<6"">#>HH6""!#? "? !$"">6#"""6""!!# "!"" @$""?<"""K6"> "$$"=1$$# ? <" ?<"6"="5#6"*))&"6" #AB##5## @I  5"  6"  " $$$"#  ? E/" 6" ## "#>! $"  @> $      ?  " #6?#  ?" <> "55# *))&" *))0# ?<"  *))&6"5"<=A <"!!=""?!1

#?<#6 "?#?   "B@> 5" <@$"""!"?<!$=""# 5" "! @I $##  *))&1

&*1   &)M*)).     #""$$""$ ?   5"!#  #"" 5!  &( A" *)). $  @> E"6!#A@$"" *FA"&A"*))0 @I  "5>6"A#<$$""5!#&.A"*)).$<#1

5"6"?<=">" "$"@>M  "! 55# B <#> ?<  <> " ?<" K 6" "!$"=""#  $  "! $   #A B <#>  ?   #" "$$$"#  8"1   " <K 6" $ <> ? <# "B<#> = $"6"!1"  $" B <#> <#"  # ? $  "! $$"?# $K #A  #"1 <" <><#"$ #8""##$$$$"#1

&01 &.$!=*)).<#"A# #""$$"" &)M*)).!"5?<$#"<6"$ 8"1   $#"# ? " <$#" 6" ## $"=  != >  K " ## 55#!"? "@$"" $K#""55"  "55" $ $! <$#"  #? < 5 6   ?<" 6" M   A?< *( A" *))0 $ J $##  @I 1   <"6" 55#  @I  6" ## $"   !! "  !# " #="  != >1  6  <!=  "  #$!   @I  $ K =" <"6" @">"#"A"5"#55"$$$"##!"?1

    B  $"  @> "7  5" #  <"6" @">"  @I  $""7! B  $"  @>  5" "!"5B$"!="9*L'&*51');1



+&,)-+*)).  /'+&0/   &.1   !#!"  #$  ' = *)). <""!#    A  B5"!"  #""$$"" &)M*)).1

E$#?<6 <# 5" ">!!# "E"<6#" ?<   8" " ## $$$"#  ?<" " ## $  #?     "!  8" 5"   5" "> $D ?      @I 5" ="<$#"@">"?"1 6#?  " "/!J!6 8"#"#6#$* A" *))0  ?<" "  ""  $"=""#    8"1  #?"7 <><#" #" #!$!$" $#1

  "># ? !! #AB !"#    $6"  =  <"  *))&$5  "!=!"#>$<"   *))0  5" # "55#1   $$#  5"  ?   N7>!  < =">"  "O  $" <#"  #$ "!  #"17$"@> "$ "># @I <#"$"=1

&'1   *,=*)). 4444444444!> QD$"#=" "5"?<#"$##B""?*(A"*))06 56   "6.A"*))0 <"   ""  != >1  6" ## "# <=   != > !"  !# "6""!#?<"6" 5""<"6"#"!1 <"6<#6"=$55<"$!"E17"6#B <@D$" $7 E!   4444444444 6" !! #  $#" >$#6" !$""#"1

&(1 #$"? *,=*)).B$"@>  "# 5""5B<" 6.A"*))0" 5"$ !J!!"5?$## !!1

&F1  "  &, 6!= *)).   4444444444 !# "/"     " ##?<$7<"  .A"*))0 != >C $" 6" G  $!" " " M ## "= ?<" $  6K>  8" $ =##5""  " !$#!"1   6# ?  &* A" *))0  D 6" ## 55#  != > B <" ?  !# "N$"5"" 6"$@$#"$65>! <O1" M$ B!!/B$ 6K> 8"R<"6"#" ="$"5"#<6"""$ 7> ?<"$ M<$ 8"1

8   4444444444 < ! ?  # < $$!! #> # ?    ## $#  @I   *( A" *))0 $7  E !" $7  D1   !!/B  "" !# " <#"



+&,)-+*)).  /(+&0/   $#A# ?!# "!$# 44444444446" M$#  B<$#""!!# "!1

"" M$ $7D &*A"*))0  != >   8" $ =##5""  "   <$#" #"1 6 ?"$#7 !# "" #"$"@>  <$#" *(A"*))0 @I !! 6J5#1

&-1   $"?  &- 6!= *)). <""!#  !"  " <$$K$$ !# "/" &(6!=*)).!!1

&,1   < "  !$" $  $" ?" < ##  ,5#6"*))' ##?<$7" 6.A"*))0 " " 5 $#  B  "6" @">" $ # "  5  ?  !# "  $  $6" 5" 5  !K @"?    !$#1   " 6" 6">#  $"! ""  8" !"?" "55""$<6" "!$"=  ?<"6"###6#>HHC 4444444444?"<6" #AB"># $## !! " 6" " ?<"  5" $    ?<" 6"  $# B<"6" >1

     E$"?# ?< "!" ?<" <K 6" $  <> $"?   D  &* A" *))0  != >  $#" 6" ## $#6 $"5"#1 ">#?"<#<6"# $" " #A<"$>"$"!""?" >##!    C " <K $ < $"=""# $ ">  $! " #B<#>1

?!$ "" != >< <" $ ##  !  6  "5 #" B  #6"""1

<!"?" M "! >HH  8" $ <"6"  ? 6  $  !$ ?" <#" ##  <"   <"6"  "!" ?   "" <> <#" $ #"#1

*)1  < " <?J  *) 6" *))'   4444444444 @">" @$# "?  E$# ?<" #"  !# "/"   $"  (M*))0  $  B   < "1  6"  # ?<" $#""!"" !=""#   "$">"  1 "6"!=#?5="$$" != >#"5 6E$"?#? "K6">B"$" KB$"?#K@7  EB"!"!E"!! $75"#" >E ! $#>"!!# "!1



+&,)-+*)).  /F+&0/    6  ">$@"55# B@!@ 4444444444# "!?<"<>"" <56 E5>!"/""  >1<>#" "$"$" # "5>! "" =""16"" $# B<#K@7  EB"!"?""6""!$#"6!<>" <#6""?  #= " " 5 !6"$""1

B?" 6""$" 6"5"$#8"$D?<B >HH 4444444444 "?<"#"A "55""#$"6!  #$  B   ?"1  " !=" ? <# 55" 6"!==! =$  ?<   8"  $"" $ $"=   #"71   "!#?<$7 "  ! !$  "6""$$"" "55"" <556 $7  &- @ $ 6"  8" B !"  6K> @#   6" !# "1

 " "  #!"  6# ?  !# " ?" 6" # <#  $B>HH6"A>#?<"5"$"?<"6""!!# "!    #"5# E1 6"$/J"!$""6" "5"<#"$/J$"?<"6""#$"  =" "!!# "! <"6"1  $6" 55"! ?  !# " ?" 6" $"?#<"6"B>HH<6"55# 7> <1

*&1  ?J ?"   ##  *) 6" *))'   4444444444  ##?<56 6"AJ"#"!!# "!" !! "? <"5"1E$#?<$!"!$"6" "$"$#6"?>!$@>7"A?<B<?   E"7! !$ " 6"  " #>! < $#" ?< 8" < $"?"  "6" "!!# "!1  " #" ? "  !# "  $  $6" $#  B <"6" $  " @"?""" $ 5"$"8"  K$ <" $" 6"J"># "$"#18" $7  !"  "=""?  $" " $   E  " A 6 <J$"#1">#?<" 6"".A"*))0?   D  &* A"  != >  !# " 6" # ?<" 5" $# $@"!1 <# "  M $   6    "$7<"  $7&*A"1 K $$#  !  " !" " <6" 7   "    !# " B >HH  " $    6 $  !>#    <$" 6!# "$6"E"> $"?<"8"1

4444444444$#"#?5 <S">5!  "!$"?$"6"$!"?<#"" $



+&,)-+*)).  /-+&0/   $?<"6"8"1!J!""!#?<#K$## #5#="$"A" M<""B6"8"$6"1

 !"?!# "?"6"6$"B>HH #6" " " #?<"K6"> <6"$6$ "? < $$#1  !# "6"#>"!!"#!" 4444444444<#9"!"=""?;"$" 61!"?<#"7="$ ??@1

1 =6" &0!"*))'" ##?<""  < "  *) 6" *))' ? <> 6" J     <$71

*01 "$7?J (!"*))'<""!#A    B  5"!"   #""  $$""  &) M *)). " # ?  ?J 6" #!# ? <#" =" $ @"E ?   <#" 5" ">  @I  $D ?< 8"    " <>1

*.1 8##> #BA>1

*'1   5" $"  "  $"   ?  ="   $"N "O $#J1



, -+

&1 ">6"<>""A """9;##! "5"#""# 7 &M*))0 "= "!$# 'A> $#" 6"/$#" '$$#&(A>91&1 '( ;1

8"B<" <#" &(A>$ "=5# # *FA6"*)).9 3&0)&)(;  ">6" $#&05#6"  "$"""">$! "=  "  "#>   B " A> ""   <  <#" 6EA>1

*1 5!#! B L1 '(  1 & 1  @1 .   "=   "S""? "$#6B<" '(   ?"  "6 B  " 5# #  </! "  &-! &,,.9 2;1

8!$#$A>  <$7""#="1



+&,)-+*)).  /,+&0/  

01 <" #6*))0"5# #$">##  "   "  ( = *))) 9 ; ?"  #  6">  & A6"*))0<$$"?1

.1 A# 5! #"#>$"$"6= 91'(() ;1

'1 <=A  ""> " B #!" "      "  #! B <""!#  $"!  <"#>"#  5" !# "E > # $ <"6"@">"$"?#B>HH1

(1 E! L10.1* 2 "5# #$ #"  $" @>$L=">" " M $"$#6E 1*'1**, 25"BL#>$ "!# "9$!"7 $@;1  $ "!"  $"  @>  M  $" 5" B L#>1N"!# "O"5 "  L>"  ?"LK$8" L#?"6 $"B5"96" 3 &*-FF" 1&=;1

  2>  ( 6!= &,,&   #6""  L/ ! "933&,,*&..; "5# #" "??"":

N$""$ """#"B#>"K7! L/! "  ?"!$J@$ T""""T$"=""# LE$"B $""$1""/! "A L@" #AB!!#6   $@7 L!"1 L"6" ?" 5"> #!"   " !$L6>/"=/ !#$"  L#>"#1  6"$!"" ? $"5"BL#> $ "!# "1L>" " L L>" L  ?"LK$8" L#?"6 $"B5"19U;O1

8  =  L1 0. 1 *  2 L"# E#"6  # "#  1 0(  0F  29  *FA"&,,'</! "; "5BL#  $"@>18$!"7  "$""""#N"B L#>OL=">" "$ @>M "! 55#BL#>   L>  #"!" $# 91 *;1  "$"" 5"E L#    $"  @>  $" B L#>91.;1

L$7L10(1* 295 # ##>" !$# L10.1 * 2;L=">" "$ @>M "! 55#   L> B L#>1  K  >   !J! "$"" ?L#?"#A!$"!BL#>=" L"! !# "?L8"L$$$$"#R"LK$>? L#    B L#>   =  "6  "!1  ?"  



+&,)-+*)).  /&)+&0/   #!" L ? L# " ="! ="   !"7 "!$#6 L "!BL#>15? "!# "L$$B$  "!  ?L   8" $$" "$$$"# 9 > VH6"@> " : 8@W"%"@  6W>@ X8Y 8%"8"@@"$1--Z&F(;1

N7>!<=">" "O#="$    $ E <10(1* 2$#"?< <> $"$6J #?A?<!!C !""   5   #="! @$""  8" $ J E"># "=!<>!# "91&&1&;1

<1&&10$#"?$"B<#> #?$ "!$$"?# $K #A?<$" $J6 "?#$ 5"!  $K"1

"""B"!"$"E"! $K  #" $$S"B6# #>" <>1 55"   2> $#"# ?  >  $" 6 $ <=">"7">E@"5933&,,*&)';1 $" #">#   " $# <#6" !""!!  $" ?"/! " <B#18""=  $#6" <$"$6B"$"!"933  &&';1  #?  $"   <#>   <>  $6J"!"#" #A1

  " " " 6"  $$ ?   $" "6 J 55" 96"  55   $ >##; $$$"# 96" <55 @@# $#";#!"?9#="A"=6"# 5"!"[6;$?M"$"@>$<  "18A" " "" "5" ""B $"@>1

(1  <>" 7   #!" "   " $ J $## B !$  8"B$" !!C<" ""@">"##$# != >1

;   !"   "  A> 5   #"" 5 "$"" "   "   5" ?" 5 LJ #="  !"7 "#5=$$"!!$6"!==LB/ "?"$#  ># 6"!=$#$ #155" $?L5"$"J " ##!!!@K$@7$"=1!"##! 5" #>#  6">=  A> "   #@# " E ?" " $"$$==9 3&*(0()" 1'=&*'&,'" 1* #5#;1 " LE"//" $  "   "  $""$



+&,)-+*)).  /&&+&0/   ?L !"""A> 6"  56  L#9 3&*(0" 1';1

 =; <" "" @">"  ## #  != > "D $7 <"  " ?  5  ## #1  "6" " B # "  5 " M "6"   #"  " !"  !E"!!1  !# " != >" <#" 5" " !$# " #?"$# $ <$#"  # "   5      8"   #" #" !"5! "$$$"# 6 <#  #  ?" 55" #>!  !"$ "1   #>    ?J   4444444444  ##?<$7"  !!$  "6"" $$"" "55"" <556 $7 &-@$6"8" B!" 6K>@#6"!# "1

 #6" ""$6"? "55""!J6">#" ""$""?$=##>#$#>"?"<$ ###1

   " 6" =$ 55     <"     <#K@7#<>>6?"$S@!6"!==6  ">! !# "E !!  "5"  *, = *)). #=" $ 44444444441

 !   D 55#  &* A"  != >  !# "  $"?#$#" $@6"$65>! <1 !# " != >" "" ?  $  <!=  " B >HH 6 ?"   6" $"  "   5! "#     @I "!$$$"#<#$$"=$6 < $!? !K !$# <$ <# $  #  $$  > 6K> "!$"? !!  #6"  $"$9$6K>@#;"!# "1

<76""?6"$"=" $*A"!" ?  # <# ="! >>6# "  M J 5##  @I    4444444444$#=1

?    "6# B >HH " #"   # 5#="  # <#>>6# #"5# E ? 4444444444  "!# ?<" 6"  <$# <> $ #6"  !$"" 95 "5" !# "  *, = *)).; "  ?   4444444444  4444444444 ?J?<""#>! $#6 <>!$""$"= $ <"6"1

 "" " $$S ? <  $ ? <$#"  ## #" # $   44444444446 <> B #> " # #1 <



+&,)-+*)).  /&*+&0/    $ $ @"E ? <$#"  ## $"?#  @I  !" =" $ #"# "?4444444444 !" ?J1

 ""<$#"$"?# @I ##55#7>  < E "   4444444444   M < $ ## # $ <""!#1

F1    "" " K   " < ! 6 <> !# " ?< 8"$K="<#K@7<M$##$$$"#?<"" "=! >>6#  $"1  "!= 7  B <""!#  $   @><"#>"# "! "$#B<QD$"!> 9 @I ;1

-1 #="5 # #""$$"" &)M*)).# !"=##5" $"@> 5" "!  @I 1



+&,)-+*)).  /&0+&0/     -+3  +*, ,-,  *, -+



56272   8  922 2  : "(& - ;

  72 

&1 #6=R

 72

*1 < !R

01  #"" &(A"&)M*)).R

.1  ! <""!# B $   @>  "#  5"  "!  2" 34444444444  @I  #"6! B  "   . A" *))0R

'1 5!  $"   ?< $6 5!    $# J   #"  0) A 7  "5"" $ $" !! #  #  "= 5# #   8@W"%@5?" ( ()).     " E!$"1  #"  $ J $>#1  !#!" ": ; " "? E!? #"" #"=""$  #"" ?#R =; E$ $ ? !"5 " "! $6" !    #""R ; $  ">     $#1 8"  !#!"  " $  " ##! #!##   ; =;  ; "/   "=5# # $$!"7?<" 6 #"6=1!#!" !"!K  $6 ?"  A" "" ?  #"" ?#  <6$$  ?##E$# "#91&0*&)(&)-;1  >55":  #" :   \"   2  "        #"/A": E    

$"5! $#J"5"#E$"""?<B<55"5# # #$="?$>55



+&,)-+*)).