CORPORATE OFFICE 126 Business Park Drive Utica, New York 13502 800.382.2468 Outside U.S. (315) 797.3035 FAX: (315) 272.2054 Editor@AdjustingToday.com Follow Adjusting Today on Facebook & Twitter: Facebook.com/AdjustersInternational Twitter.com/AdjustingToday ADJUSTING TODAY® is published as a public service by Adjusters International, Ltd. It is provided for general information and is not intended to replace professional insurance, legal or financial advice for specific cases. ADJUSTINGTODAY® Adjust ingToday. com View our entire catalog of back issues, download PDF versions, subscribe and contact the editor. WEB ADDRESSES AdjustersInternational.com AdjustingToday.com PUBLISHER Stephen T. Surace, CPA, CFF, MBA EDITOR Sheila E. Salvatore AT21 3056 Mr. Harrington is an independent insurance writer and communications specialist. He served for over 20 years as communications director for the American Association of Insurance Services (AAIS). His work has been published in Best’s Review, Rough Notes, publications of The Institutes, and elsewhere. Joseph S. Harrington, CPCU ABOUT THE AUTHOR Adjusting Today Basis for Institutes CE Courses The Institutes, the leader in providing knowledge solutions for risk management and the property/casualty insurance industry, offers continuing education courses based on technical information compiled from issues of Adjusting Today. The courses —“Valuing a Property Insurance Claim” and “Natural Disasters: Coverage Issues”— include seven modules each and are approved for credit by insurance departments in most states. They are offered to property insurance producers, adjusters or both, depending on the state, for up to three continuing education credit hours per course. More information is available at CEU.com. Copyright © 2021 Rising Phoenix Holdings Corporation. All Rights Reserved. responsibility on those entrusted with the ownership and safe operation of multi-unit housing complexes. We say “almost”unprecedented because multi-unit owners, managers and residents have had to take extraordinary measures in the past following natural disasters and damaging accidents within their communities. Several states responded to COVID-19 by declaring the pandemic to be an emergency, thus empowering landlords and association boards to implement emergency measures under some degree of immunity from liability. Yet the impacts of the pandemic proved to be far more extensive and enduring than those following localized disasters, and have raised expectations that will last long after COVID-19 is tamed— if it ever is. Going forward, it is safe to assume that property insurance for multi-unit housing will have to anticipate loss of access to common areas, and liability insurance will have to attempt claims for acts and omissions alleged to be either too lax or too zealous in protecting residents’ safety and property rights. These are matters that both the insurance and multi-unit housing industries will continue to follow closely. Construction and interpretation of insurance policies is ultimately a matter of law for the courts to decide — and they will have the final say on if and the extent to which CGL policies cover COVID-19 claims.
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