If ever in need of a concise, well-reasoned opinion on "occurrence," "property damage" and applicability of the business risk exclusions, turn to Pamperin Rentals II, LLC v. R.G. Hendricks & Sons Construction, Inc., 2012 Wis Ct. App. LEXIS 698 (Wis. Ct. App. Sept. 5, 2012).

   A contractor was hired to install concrete during…

   The court found an anti-assignment provision enforceable, thereby denying coverage for the assignee. Dameron Hospital Assoc. v. State Farm Mutual Automobile Ins. Co., 2012 U.S. Dist. LEXIS 146577 (E.D. Cal. Oct 20, 2012).

   Dameron Hospital provided emergency medial treatment to three individuals who were in automobile accidents and had coverage through State…

   Thinking the loss to their property could not meet the deductible, the insureds failed to file timely notice, thereby barring their claim. Slominski v. Citizens Prop. Ins. Corp., 2012 Fla. App. LEXIS 16730 (Fla. Ct. App. Oct. 3, 2012).

   After Hurricane Wilma hit Florida on October 24, 2005, the insureds made minimal…

   The federal district court considered the applicability of a document retention clause in Amtex Bancshares v. Bancinsure, Inc., 2012 U.S. Dist. LEXIS 140557 (E.D. Tex Sept. 11, 2012).

   Hurricane Ike caused severe damage to the insured's bank on September 13, 2008. The policy issued by Bancinsure, Inc. covered the property and its contents.

   The court considered whether rain damage to a house was barred by the policy's mold exclusion. Stewart v. State Farm Fire & Cas. Co., 2012 U.S. Dist LEXIS 127804 (D. S.D. Sept. 7, 2012).

   The insureds hired DJ Construction to build a new home. Before construction was completed, it was discovered that DJ Construction…

   The insureds unsuccessfully argued that water damage to their home was covered by the ensuing loss provision. Friedberg v. Chubb & Son, 2012 U.S. App. LEXIS 18817 (8th Cir. Sept. 7, 2012).

   The insureds' home was built in 1989. In 2006, extensive water damage was found to the house. The insureds notified…

   The Indiana Court of Appeals found the "personal injury" provisions to be ambiguous when asked whether the migration of sand constituted a "wrongful entry" or "invasion of the right of private occupancy" under the policy. FLM, LLC v. The Cincinnati Ins. Co., 2012 Ind. Ct. App. LEXIS 411 (Ind. Ct. App. Aug. 28, 2012).

   FLM…

   The New Mexico Supreme Court considered whether the word "sudden" found in the pollution exclusion of a liability policy was ambiguous. See United Nuclear Corp. v. Allstate Ins. Co., No. 32,939 (N.M. Aug. 23, 2012).

   United Nuclear operated several uranium mines in New Mexico from the 1960s through the early 1980s. At Church…