Zalma on Diminution of Value Damages -- 2013

(c) 2010, 2012 & 2013 by Barry Zalma & ClaimSchool, Inc.

The complete authority on Diminution in Value Damages in the United States

The Complete Authority on Diminution of Value Damages in the United States Zalma on Diminution of Value Damages -- 2013 This is the 2013 edition of Zalma On Diminution In Value Damages. It has been totally rewritten with more 910 pages of material. It is the most extensive and detailed coverage of the issue and how to apply diminution in value damages to losses to property. The E-book Zalma on Diminution In Value Damages – 2013 was written to provide sufficient information to those who became interested in the issue since the Georgia Supreme Court decided State Farm Mutual Automobile Insurance Co. v. Mabry, 274 Ga. 498, 556 S.E.2d 114 (Ga. 11/28/2001).

Because confusion has reigned across the United States concerning the proper measure of damages for property damage to property has been repaired. It will assist you in answer the questions concerning the proper measure of damage in each of the fifty United States and federal United States jurisdictions. It will allow you to find the answer in the appropriate jurisdiction if the proper measure of damage:

The subject of diminution of value damages caused serious concern to the insurance industry because insurers believed their policies were clear and were only required to pay the cost of repair. It also caused concern to appraisers, adjusters, lawyers and every person who incurred property damage. The methodology used to establish true indemnity is different in each decision. The application of which measure of damages is to be used is different from state to state and from U.S. District Court of Appeal to District Court of Appeal.

Because of the differences in the various jurisdiction and apparent confusion concerning diminution of value damages this E-Book was created to more thoroughly review how each jurisdiction in the United States deals with the issue. The E-book covers each of the fifty states of the United States, the District of Columbia, Guam, Puerto Rico, the 12 Federal Circuit Courts of Appeal and the U.S. Supreme Court.

Zalma on Diminution of Value Damages – 2013 provides full text of many of the decisions of the various courts, statutes enacted to deal with the issue, and tries to deal with the issue of establishing the amount of loss to property in each jurisdiction.

Since this is an update of the 2010 E-book, Zalma on Diminution in Value Damages some of the original information remains the 2013 version is, in effect, a new book.

The E-book covers in detail how each of the jurisdictions deal with the question of how much an insurer must pay for claims to property the risk of loss of which it insured. It also will explain how courts evaluate damages caused by tortfeasors, or their insurers, to determine how to calculate what they must pay to those whose property is damaged by their actions.

Zalma on Diminution of Value Damages – 2013 provides full text of many of the decisions of the various courts, statutes enacted to deal with the issue, and deals with the issue of establishing the amount of loss to property in each jurisdiction that has written on the issue.

Since this is an update of the 2010 and 2012 E-books, Zalma on Diminution in Value Damages some of the original information remains in the 2013 version. It is, however, a new book.

The E-book covers in detail how each of the jurisdictions who have been asked to do so determine recovery of insurance proceeds for damage to property the risk of loss of which it insured. It also will explain how courts evaluate damages caused by tortfeasors, whether insured or not, to determine how to calculate what they must pay to those whose property is damaged by their actions.

The following cases appear with full or close to full text rendition with commentary by the author.

R & Y, Inc. v. Municipality of Anchorage, 34 P.3d 289 (Alaska 09/07/2001)

Kanellis v. Pacific Indemnity Co., 917 So.2d 149 (2005),No. 2030860 (Ala.Civ.App. 05/27/2005)

Poffenbarger v. Merit Energy Co., 972 So.2d 792 (2007),No. 1041707 (Ala. 05/11/2007)

Farmers Insurance Co. Inc. v. Snowden, 366 Ark. 138 (Ark. 04/13/2006)

Home Indemnity Co. v. Bush, 513 P.2d 145, 20 Ariz. App. 355 (Ariz.App.Div.1 08/21/1973)

Max of Switzerland Inc. v. Allright Corp., 930 P.2d 1010, 187 Ariz. 496, 234 Ariz. Adv. Rep. 30 (Ariz.App.Div.1 01/14/1997)

Ray v. Farmers Insurance Exchange, 200 Cal. App. 3d 1411, 246 Cal. Rptr. 593 (Cal.App.Dist.3 05/05/1988)

Airborne Inc. v. Denver Air Center Inc, 832 P.2d 1086 (Colo.App. 04/23/1992)

Ourania Argentinis et al. v. Lisa Fortuna et al., 39 A.3d 1207, 134 Conn.App. 538 (Conn.App. 04/03/2012)

Willow Springs Condominium Association, Inc. v. Seventh Brt Development Corp., 245 Conn. 1 (Conn. 06/02/1998)

Allstate Insurance Co. v. Palumbo, 952 A.2d 1235, 109 Conn.App. 731 (Conn.App. 08/12/2008)

O’Brien v. Progressive Northern Insurance Co., 785 A.2d 281 (Del. 11/09/2001)

American Service Center Associates v. Helton, 867 A.2d 235 (D.C. 2005)

Siegle v. Progressive Consumers Insurance Co., 819 So.2d 732 (Fla. 05/23/2002)

Santa Rosa Golf Associates, Inc. v. Haraway, No. 1D07-5772 (Fla.App. 12/12/2008)

Hazen v. Allstate Insurance Co., 2007 Fla. App. LEXIS 347, No. 2D06-184 (Fla.App. 01/17/2007)

Orkin Exterminating Company, Inc. v. Delguidice, 790 So.2d 1158 (Fla.App. Dist.5 07/13/2001)

State Farm Mutual Automobile Insurance Co. v. Mabry, 274 Ga. 498, 556 S.E.2d 114 (Ga. 11/28/2001)

Royal Capital Development LLC v. Maryland Casualty Company, May 29, 2012

Nissan Motor Corporation in Guam v. Sea Star Group Inc., 2002 Guam 5 (Guam 04/09/2002)

Hawaiian Insurance & Guaranty Co. v. Blair, 726 P.2d 1310, 6 Haw. App. 447 (Haw.App. 10/17/1986)

Aetna Cas. & Sur. Co. v. Insurance Dept. Of Iowa, 299 N.W.2d 484 (Iowa 12/17/1980)

Spreader Specialists v. Monroc, 752 P.2d 617; 114 Idaho 15 (1987)

Nampa & Meridian Irrigation Dist. v. Mussell, 139 Idaho 28, 72 P.3d 868 (Idaho 06/18/2003)

Center Capital Corp. v. National Union Fire Insurance Co. of Pittsburgh, PA, No. 1:09-cv-471-CWD (D.Idaho 10/05/2010)

Sims v. Allstate Insurance Co., 851 N.E.2d 701, 365 Ill.App.3d 997, 303 Ill.Dec. 514 (Ill.App. Dist.5 05/31/2006)

Traveler’s Insurance Company v. Eljer Manufacturing, Inc., 197 Ill.2d 278, 757 N.E.2d 481, 258 Ill.Dec. 792 (Ill. 09/20/2001)

Meyers v. Woods, 871 N.E.2d 160, 374 Ill.App.3d 440, 312 Ill.Dec. 760 (Ill.App. Dist.3 06/14/2007)

Allgood v. Meridian Security Insurance Co., 836 N.E.2d 243 (Ind. 10/27/2005)

Evenson v. Lilley, 228 P.3d 420 (2010)

General Accident Fire & Life Assurance Corp. v. Judd, 400 S.W.2d 685 (Ky.App. 03/18/1966)

Tomes v. Nationwide Insurance Co., 825 S.W.2d 284 (Ky.App. 11/08/1991)

Presnell Construction Managers, Inc. v. EH Construction, LLC, 134 S.W.3d 575 (Ky. 05/20/2004)

Townsend v. State Farm Mutual Automobile Insurance Co., 793 So.2d 473 (La.App. Cir.2 08/22/2001)

Defraites v. State Farm Mutual Automobile Insurance Co., No. 10-CA-78 (La.App. Cir.5 06/29/2010)

Given v. Commerce Insurance Company, 440 Mass. 207, 796 N.E.2d 1275 (Mass. 10/07/2003)

 

 

 

Roth v. Amica Mutual Insurance Company, 440 Mass. 1013, 796 N.E.2d 1281 (Mass. 10/07/2003)

Kruvant v. Dickerman, 18 Md. App. 1, 305 A.2d 227 (Md.Sp.App. 06/01/1973)

Hall v. Acadia Insurance Company, 2002 Me. 110, 801 A.2d 993, 2002 ME 110 (Me. 07/09/2002)

Cvetko Zdravkovski A/K/A Steve Zdravkovski v. Gan Gony, Inc. and Randa Kandalaft, No. 291735 (Mich.App. 09/30/2010)

Farm Bureau Mutual Insurance Company v. Earthsoils, Inc, 812 N.W.2d 873 (2012), No. A11-693 (Minn.App. 04/02/2012)

Samuel E. Estes v. State Farm Fire and Casualty, 1984.MN.1179, 358 N.W.2d 123 (11/20/84)

Lupo v. Shelter Mutual Insurance Company, 70 S.W.3d 16 (Mo.App. E.D. 01/29/2002)

Farning v. Brendal, 150 S.W.3d 384 (Mo.App. W.D. 12/14/2004)

Potomac Insurance Co., Etc. v. Wilkinson, 220 Miss. 740 (Miss.04/19/1954)

Calvert Fire Insurance Company v. Newman, 240 Miss. 10 (Miss.11/28/1960)

Eby v. Foremost Insurance Co., 374 P.2d 857, 141 Mont. 62 (Mont. 08/23/1962)

Columbia National Insurance v. Pacesetter 532 N.W.2d 1, 248 Neb. 1 (1995)

Parker v. Hensley, 625 S.E.2d 182, 175 N.C.App. 740 (N.C.App. 02/07/2006)

Promenade v. Lechmere Inc., 464 S.E.2d 47, 120 N.C.App. 650 (N.C.App. 11/07/1995)

Webster v. Acadia Insurance Co., 156 N.H. 317, 319 (2007) No. 2006-945 (N.H. 10/17/2007)

Axa and Eduardo Kieffer v. High Point Insurance Company, No. A-2720-09T2, A-2721-09T2, 422 N.J.Super. 38, 25 A.3d 1206 (N.J.Super.App.Div. 08/30/2011)

Titus v. West American Insurance Co., 362 A.2d 1236, 143 N.J.Super. 195 (N.J.Super.Law Div. 06/18/1976)

Davis v. Farmers Insurance Co. of Arizona, 142 P.3d 17, 140 N.M. 249 (N.M.App. 06/13/2006)

Group-II v. Insurance Co., 118 N.M. 281, 881 P.2d 26 (N.M. 08/25/1994)

Hornwood v. Smith’s Food King, 105 Nev. 188, 772 P.2d 1284 (Nev. 4/25/1989)

Hornwood v. Smith’s Food King No. 1, 107 Nev. 80, 807 P.2d 208 (Nev. 03/06/1991)

Kevin M. Halpin et al v. Igor Cheikhet et al, No. 512138 (N.Y.App.Div. 12/08/2011)

Fisher v. Qualico Contracting Corp., 98 N.Y.2d 534, 779 N.E.2d 178, 749 N.Y.S.2d 467 (N.Y. 10/22/2002)

Franklin Corporation v. Justin M. Prahler, No. 960 CA 11-00079 (N.Y.App.Div. 11/10/2011)

Robert v. Aircraft Investment Co., 575 N.W.2d 672 (N.D. 03/26/1998)

Freed v. Unruh, 575 N.W.2d 433, 1998 ND 34 (N.D. 02/12/1998)

South Shore Cable Construction, Inc. v. Grafton Cable Communications, Inc., 2004 -Ohio- 6077 (Ohio App. Dist.9 11/17/2004)

Martin v. Design Construction Services, Inc., 902 N.E.2d 10, 121 Ohio St.3d 66, 2009 -Ohio- 1 (Ohio 01/06/2009)

Brennen v. Aston, 84 P.3d 99, 2003 OK 91 (Okla. 10/28/2003)

Peevyhouse v. Garland Coal & Mining Company, 382 P.2d 109, 1962 OK 267 (Okla. 12/11/1962)

Gonzales v. Farmers Insurance Company of Oregon, 150 P.3d 20, 210 Or. App. 54 (2006)

Hanset v. General Construction Co., 285 Or. 101, 589 P.2d 1117 (Or. 01/30/1979)

 

Edward Kirkbride and Carole Kirkbride v. Lisbon Contractors, 560 A.2d 809, 385 Pa. Super. 292 (06/26/89)

Davol Square Jewelry Mart, LLC v. Narragansett Bay Commission, No. PM03-2198 (R.I.Super. 09/11/2007)

Richard Alegria v. Timothy R.E. Keeney, 687 A.2d 1249 (1997)

Lumpkin v. Allstate Ins. Co., 251 S.C. 19, 159 S.E.2d 852 (S.C. 02/26/1968)

Schulmeyer v. State Farm Fire and Casualty Co. 353 S.C. 491, 579 S.E.2d 132 (S.C. 03/24/2003)

Culhane v. Western National Mutual Insurance Co., 704 N.W.2d 287, 2005 SD 97 (S.D. 09/07/2005)

BVT Lebanon Shopping Center, LTD v. Wal-Mart Stores, Inc., 48 S.W.3d 132 (Tenn. 03/01/2001)

Black v. State Farm Mutual Automobile Insurance Company, 101 S.W.3d 427, 429 (Tenn. Ct. App. 2002)

Government Employees Insurance Co. v. Bloodworth, No. M2003-02986-COA-R10-CV.(Tenn.App. 06/29/2007)

American Manufacturers Mutual Insurance Company v. Schaefer,124 S.W.3d 154, 162 (Tex. 10/16/2003).

Geoscience Engineering & Testing, Inc. v. Allen, No. 01-03-00402-CV (Tex.App. Dist.1 11/04/2004)

Leo H. Ault and Virginia Ault v. Wayne 739 P.2d 1117, 61 Utah Adv. Rep. 35 (1987)

American Protection Insurance Co. v. Kenneth McMahan, et al, 562 A.2d 462, 151 Vt. 520 (1989)

Averett v. Shircliff, 237 S.E.2d 92, 218 Va. 202 (Va. 09/01/1977)

David Moeller v. En Banc, 582 N.W.2d 554 (1998), No. 84500-0 (Wash. 12/22/2011)

Heaphy v. State Farm Mutual Automobile Insurance Company, 72 P.3d 220, 117 Wash.App. 438 (Wash.App.Div.2 07/01/2003)

Seattle-First National Bank v. Washington Insurance Guaranty Association, 116 Wash. 2d 398, 804 P.2d 1263 (Wa. 02/14/1991)

Kurtis R. v. Sto Industries, Inc., 132 P.3d 115, 156 Wash.2d 677 (Wash. 04/06/2006)

Paulson v. Allstate Insurance Co., 256 Wis.2d 892, 649 N.W.2d 645, 2002 WI App 168 (Wis.App. 06/27/2002)

Ellis v. King, 400 S.E.2d 235, 184 W.Va. 227 (1990)

Carbasho v. Musulin, 618 S.E.2d 368, 217 W.Va. 359 (W.Va. 07/01/2005)

Helm v. Board of County Commissioners, Teton, County, Wyoming, 989 P.2d 1273 (Wyo. 11/10/1999)

American Home Assurance Co. v. Libbey-Owens-Ford Co., 786 F.2d 22 (1st Cir. 03/18/1986)

Texport Oil Co. v. Amolyntos, 11 F.3d 361 (2nd Cir. 12/09/1993)

Lucker Mfg., A Unit of Amclyde Engineered Products, Inc. v. Home Ins. Co., 23 F.3d 808 (3d Cir. 05/12/1994)

Bennett v. Home Insurance Co., 998 F.2d 1008 (4th Cir. 07/02/1993)

Hewlett v. Bertie, 418 F.2d 654 (4th Cir. 11/28/1969)

NUCO Investments, Inc. v. Hartford Fire Insurance Co., 2005.NGA.0000083, No. 1:02-CV-1622-CAP (N.D.Ga. 12/05/2005)

Blakely v. State Farm Mutual Automobile Insurance Company, 406 F.3d 747 (5th Cir. 04/18/2005)

Bowes v. Saks & Company, 397 F.2d 113 (1968)

St. Paul Fire and Marine Ins. Co. v. Northern Grain Co., 365 F.2d 361 (8th Cir. 08/17/1966)

Richard Franklin v. Government Employees Insurance Company, A, No. C10-5183BHS (W.D.Wash. 10/31/2011)

New Hampshire Insurance Co. v. Vieira, 930 F.2d 696 (9th Cir. 04/08/1991)

Lovell v. State Farm Mutual Automobile Insurance Company, 466 F.3d 893 (10th Cir. 10/18/2006)

Hartford Accident & Indemnity Co. v. Pacific Mutual Life Insurance Co., 861 F.2d 250 (10th Cir. 11/16/1988)

Royal Capital Development v. Maryland Casualty Company, No. 659 F.3d 1050 (2011)

Nissan Motor Corporation in Guam v. Sea Star Group Inc., 2002 Guam 5 (Guam 04/09/2002)

Saab Cars USA, Inc. v. United States, 434 F.3d 1359 (Fed. Cir. 01/17/2006)

Tahoe-Sierra Preservation Council, Inc. v. Tahoe Regional Planning Agency, 122 S.Ct. 1465, 152 L.Ed.2d 517 (U.S. 04/23/2002)

New York Elevated Railroad Company V. Fifth National Bank., 10 S. Ct. 743, 135 U.S. 432 (U.S. 05/05/1890)

 

 

The author and publisher disclaim any liability, loss, or risk incurred as a consequence, directly or indirectly, of the use and application of any of the contents of this blog. The information provided is not a substitute for the advice of a competent insurance, legal, or other professional. The Information provided at this site should not be relied on as legal advice. Legal advice cannot be given without full consideration of all relevant information relating to an individual situation.

Updated November 8, 2012

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