Hoffman v. State Farm Fire & Casualty Co.

Opinion

EPSTEIN, J.

In this case, we conclude that property owners are not entitled to recover under an “all risk” homeowners policy indemnifying them against damage to their property unless there is some manifestation of physical damage to the property during the policy period. Since there was no such manifestation during the policy period in this case (which extended until the sale of the subject property), there was no covered loss. Because of our resolution of this issue, we do not reach other issues tendered by the parties concerning the efficient proximate cause of damage the property is…