Supreme Court of Connecticut
Jemiola v. Hartford Casualty Ins. Co.
November 12, 2019335 Conn. 117
Summary
The court affirmed summary judgment for the insurer, concluding that the policies issued after March 2005 governed because the alleged structural impairment first manifested in 2006. Under those policies, cracking and progressive deterioration did not constitute a covered collapse because the home remained standing, habitable, and in use. The court further held that even under the broader substantial-impairment standard applicable to undefined collapse provisions, coverage would fail because the home was not in imminent danger of falling down.