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Case Notes

By ljnstaff | Law Journal Newsletters |
January 31, 2015

Pennsylvania Endorses First Manifestation Rule for Property Damage

The Supreme Court of Pennsylvania, applying Pennsylvania law, has held that coverage was triggered under the “first manifestation” rule when injury caused by a policyholder's negligence became “reasonably apparent” even where the cause of the injury was not discovered until a later policy period. Pennsylvania National Mutual Casualty Insurance Company v. John D. St. John, No. 86 MAP 2012 (Pa. Dec. 15, 2014). In reaching that result, the court also declined to apply a “multiple trigger” theory to continuous, progressive property damage, finding that the rule applied only in the context of asbestos bodily injury claims.

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