Rosen v. State Farm General Insurance

Opinion

BROWN, J.

The insurance policy in this case defined “collapse” as “actually fallen down or fallen to pieces.” However, sound public policy, the Court of Appeal concluded, requires coverage for imminent, as well as actual, collapse, lest dangerous conditions go uncorrected. By failing to apply the plain, unambiguous language of the policy, the Court of Appeal erred. (Civ. Code, § 1644.) “[W]e do not rewrite any provision of any contract, [including an insurance policy], for any purpose.” (Certain Underwriters at Lloyd’s of London v. Superior Court (2001) 24 Cal.4th 945, 968 [103…