The law is quite clear that an insurer is not liable for losses resulting from inherent vice, defect or infirmity in the subject matter insured, for this type of loss is not caused by chance or an extraneous event. The idea is that damage from an “inherent cause” is, like wear and tear, a “certainty,” and therefore “uninsurable.” Scott v. Continental Ins. Co., 44 Cal. App. 4th 24, 51 Cal. Rptr. 2d 566 (4 Dist. 1996).
The following video was adapted from my book, “Insurance Claims A Comprehensive Guide” Published by the National Underwriter Company and is available at the Zalma Insurance Claims Library.
(c) 2015, Barry Zalma
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