Insurance 101 – Chapter 8 – Volume 10 – Exclusions


Latent Defect

Cases that provide coverage despite an exclusion for latent defects fall generally within two categories. The court determines either that:  the defect could have been discovered  through appropriate testing and it is therefore not latent; or the loss resulted from a contributory covered risk.

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

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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.

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