Legislator Jurisprudence & Législation
DE FR IT EN
Analyser dans Legislator
ATAS/87/2005 • CJ GE ATAS/87/2005 Généré par l'IA

Insurance Coverage Denial for Water Damage Upheld

Numéro de cause ATAS/87/2005
Autorité / Tribunal
Juridiction Suisse · Canton de Genève (CH-GE)
Date de la décision
Issue du litige Rejeté (Dismissed)
Ouvrir la source officielle Miroir Entscheidsuche Version Markdown lisible par machine (.md)

Synthèse Legislator

Généré par l'IA

The appellant challenged the denial of insurance coverage for water damage, arguing that the damage originated from a plumbing issue and thus fell under the policy's coverage for internal plumbing failure, not excluded surface water or flood damage. The court affirmed the denial, reasoning that the policy specifically excluded damage caused by surface water entering through a foundation or opening, and the evidence demonstrated the water originated from the ground surface, negating the claim that it was solely due to a plumbing system defect covered by the policy.

Regeste Legislator

Généré par l'IA

Art. 66 al. 1 LTF; Insurance Coverage Denial for Water Damage Upheld: The court affirmed the denial, reasoning that the policy specifically excluded damage caused by surface water entering through a foundation or opening, and the evidence demonstrated the water originated from the ground surface, negating the claim that it was solely due to a plumbing system defect covered by the policy.

Mots-clés

Généré par l'IA
assurance contre les dégâts des eaux politique de l'eau action directe contre l'assureur créance contestée obligation de réduire dommage contamination d'eau potable

Dispositions légales citées

Généré par l'IA
Art. 66 al. 1 LTF
Imposed the costs of the appeal on the appellant.
Généré par l'IA
A/1908/2004
Commercial Property Insurer Upheld in Denying Coverage for Water Damage Due to Earth Sinking Exclusion
C/13241/2021
Appellant v. Insurer (Insurance Fraud in Water Damage Claim)
A/2956/2007
Insurer's Denial of Property Damage Coverage Upheld
C/11574/2017
Insurer Prevails in Basement Water Damage and Construction Defect Claim Dispute
A/4283/2005
Insurance Coverage for Surface Water Flood Damage

Questions juridiques clés extraites par Legislator

Généré par l'IA
Art. 66 al. 1 LTF

Imposed the costs of the appeal on the appellant.

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   + 12 ())' 



  ,3333333333   !" ! # !!$  %#  !!" &"'("$$)*"("$$

"!

44  --  5,- * -6   ! $ "( +,-./&

             !"

   64076  

- - 4 

 #$ 8888888888 96 !/  !!": (  1,7;  $( (  $$$ !""$'!6&$"($"$4;<&!1,,4! $' $" !&  $(=! 1,;- & "! $ '!"" !$6=" *(!!$!"$ >"$=! (!")'(""&"$' &"!!&.*1,,1? '1,,-!!"=&@""&"!"A"$ >" <1,,,&$"&$"!$!&" @."B"?

 !$($-<"1,,,'"$'!6&$"(96 !/  :!!"=((*$'!"$'&$"("/! ! (!$ $1!C"1,,2D5 "=!1,,;?

'.  " $ '$" $  !!" " $  !$" $ &A ! !" ($A' ! !$!?

 ""* ! $( $ 43  "=! 4554 '   !$  $( $").$-<"1,,,! E"""""$!/!?

!!"'" (.""$( !"$43"=!4554 !/$ '  " $ !!  "/! $'!6&$"( " !(=" .  )' A !" ($  /" " !$( " ! ".)'!""/!$$!($("!("!$(?

$!( $11*(&!!455D' !<"$!!?

'$(@>$'(!"! !"$(="""$$(!"! !" ($A*>!"$!?

  $!  ("( "! $!""  != $ ( & "  1! C" 455D &  $*" $   >& ! '!>" <$! 96 !/ :?

  != $ (  !$(   !" ! $ !" ) '" "$"$;<4552?

'.""' '("" !("! !("(?

  !!"  A )( )  "( "" @+) ) ! &" "$ . '>>!&! ! " '("" <"( A !=/ $ '&"6=!  !"!  $(&!" $' @! $   $ '!"@! " $ >!?



01-2304554646   6D076      $$ " &"  !($ "" !*  $&" ""! ) 6 &" (@(  ! $ @ "" = " )'<!$'@  ="&>=!"$'&$"(?

  !!" "" '$" $ ! 8888888888 " 8888888888  !=!$('&!"!$)B"?

  ! 8888888888  ("( "$  $" $ 1D <" 4552  !( $ !")$! 8888888888($6$' ?

'="($!@">)"!!"$ *(&!!4555 $(!() !=/ ! A.<!(""$!!&"'("" >!A )   "( $ "!& (""   ! $' !" $ ! ") " $ "" *"  (>" $  ! >= !" !!!")' ")!8888888888&" E( *=!+>  )    '>" "F" $' "!= "*! $!A?

'.'$'$$(("(*A(.!!" ! !$!! !" $ +@"!?

  ! 8888888888 @* $ )  G!& $ +@"! $" $ $( !"" $ +@"! $ H  *!(  41  "=! 4552  + ""> $( !&  !"" "  A("( $(!( "  (  $>"( $$( !*(&/!+ ""> +@")?

 ! !$ $ 44 "=! 4552  !=  !$( '$" $ ! I8888888888" 8888888888)'"$(!($"$-$(=!4552?

!I8888888888$)() ""("""! @$ ( ! $!  $" =  "   (!" ! &(!"=" "!&! . ) '<""  ) $ !(" +@>) ) $( $  $(!" (&(" $ !" )'  "( "/! $ "!& $  ("! " ) "(( @" !""".*"!?

  ! 8888888888 !  !"  $)( ) '( $ $( !* (&/! $>")( '" "( $      " "  !("" $' (&" !>!&?

 (""(!(&(!"($$"!*") "($ "!&"$ ""(""$ - "=!4552""?

'  &" $'!  ! $ ! ="( ) )' " B'($"$*")&"$CB"!$((>(?



01-2304554646   62076    B  "!&    (""  $ !(*A (""  = <!$'@?

!$ !" !$ !")&$$')B"  !!"  !"( . "!  A !" !$ !  ! !("" $ '  "($( !""!)"G!&($!(>  96 !/ G#: &  )B" "  !" " & )   "! $'=!&"($ 96 !/ # :$&"B"!$"((""$'!$ &'"$$("!&.'  !"!" ("!?

 ! (!"! $ 7 <&! 4553 '   "!  != $ (  $("!"!"($G#(?

!&! !'=$$!($"") !=/$ =! (!!$!""( !'$"$1,;-'("" !>!&"!@ $' + ""> $ !&6( @> $  1,,1 !("  "= $!A"!! )'(""$$'A !!&!""$! "( $"!&$!!"6$.$D5 "=!1,,;)$!"4555 (""  !  !=(")  ("!   *! $ => " $'( $ $ +$! !$!  =! *(!! $!" ) "!*/! (>" ! "($"!&?)". !=(") +@"!)""*!$  ="$()"$'$""!)'"" "($"!&$!!" . !"!$!"$'(4552&!?

'    A !" !$ ! (""  "= $ !*!  ""  G# ! "  #  $  ) $ $ ($ "" $ G ) ! (>"  ="( $' (&" !>"@(! ") " $' (&""!?

 '  >>(!"  ()  !& $   . ' !   J&!$""A !" !$ !?

 ! $1D<&!4553 !="!!!!.!!" $)" )' & $    !!B" *! !" !$ & " $ $( K

- ,- - , 



 !=" ("""/!9!"K37K1"@!4:?

! !">((!$$!"$!96 !/ :"!(  &>!  1! <&! 455D '"   =   $' /  *" $("!"$(""(+""(!!"?



01-2304554646   63076   !!"!<"($*!"$( !!" !"!&=9!"K;2  G"7, :?

'A "! $ '!"K ;    !( &$ " $!" A ! $ !($ "" ) " (! " $ "! . !("=! !  "( $ > . '(!!.&>!$!.*&!!'>"(@(".!" $'&$"($25L'!"K4; ?

   <! !$ "  $"! '"!"( $"!"&   <>  $" $(!!  *"  !&( ) !)' " & $  !("( 9M! !$! $ N& !O!@" 2/ ($" 1,;2 > 1D7? % $&!P">!@" *>4/($" >4-;:?

'  !Q" !"  ' / )  "A $'&$"( $  !!" "(!!"D5 "=!1,,; " B"!*A(*"$'&! ("=!  "(!($$"!&?

' "  ! ! $ '"!" $ $! ) !" " ") '&" ("( ! "$' !"")$'"! !""" +@) $!!"'("">>!&($/!>*"&!"4552?

 '  !Q"  & $ '+ *" !  G# )' A !" !$ ! " (!  ) !<"   !(= $  !!"?

'+$$'! !"" "$($""!!"$ !&+!$!.'  !A !" !$ !?

 "!$ #  ! ( !G# !Q"$()"?

  !!" ) ="" > $  . $!" . $ $(  ) !" *A(  ' /.4R455*!K

SSSSS



01-2304554646   67076  

 ,   4  , - --  ,-    

7/818   9  :88 8  5" $;( <

  18 

1K (!!!!&=K

 18

4K '$"K

DK $($43 "=!4554K

2K &$!.'  !A !" !$ ! # $G" &$(K

3K $'  ".!!"$'$"(.""!$$( $ 4R455*!K

7K *!  !" $  )' &" *!! !! "!  !(" !!B" $  $( $ D5 <! $/  "*" !  !$( $!(  != *($(! $ ! G@PO!@*) 7 7552     "! A !K  $(  " B"! !>(K  (! $"T : $)! A"")$(!!"$(!="!" $$( "")(? =: A ! ! ) "*  " &! $$! "" "! $(? : !"!  >"!   $  ! !(""K G  (!  ""   "! ((" ((!(  ""! : =: " : 6$  !=*($(!$! !! "!!"/!!!!)' $&!$(!!!!&=K(!$!!"!!+ $ !& ) !" <"  )  $( "")( " '&  $ )("(A ($(!!"9!"K1D4157"15;:K  >!!T  !($"T   !! G =G

 *!$ !("!!B"""*(A !")'.'*($(! $! !>!



01-2304554646