Waterloo Community School District v. Employers Mutual Casualty Company

Summary

The court affirmed summary judgment for the insurer, holding that the policy's ordinance-or-law coverage did not cover the cost of repairing pre-existing deterioration in load-bearing walls outside the area of a snow-caused roof collapse. The ordinance-or-law exception applied because the building violated applicable safety codes before the collapse, regardless of whether the school district knew of the violations or had been cited. The court therefore required the insurer to pay for damage caused by the collapse but not to remedy the longstanding deterioration elsewhere in the building.