Panorama Village Condominium Owners Ass'n Board of Directors v. Allstate Insurance

(dissenting) — The majority rewrites the suit limitation clause in Allstate Insurance Company’s policy to allow a cause of action against the insurer long after the insured knows or should know that a covered loss has occurred — despite the one-year limitation period in the clause. The majority’s construction of the suit limitation language “after a loss occurs” as meaning after a loss is over, together with its conclusion that a loss is not over while ongoing damage continues, flies in the face of the policy’s coverage provisions.

The majority claims, though, that it is simply refusing to…