Supreme Court of Connecticut
Jemiola v. Hartford Casualty Ins. Co.
November 12, 2019335 Conn. 117
Summary
The court affirmed summary judgment for the insurer, holding that the policies issued after March 2005 governed because the alleged substantial impairment first manifested in 2006. It further held that the applicable policy unambiguously required an abrupt falling down or caving in that made the home unoccupiable, which had not occurred because the home remained standing, occupied, and safely usable. The court also concluded that the claim would fail under the substantial-impairment standard because the home was not in imminent danger of falling down.