Structural Damage Doesn’t Mean Any Damage to Structure

In Hegel v. First Liberty Insurance Corp., No. 14-10549, 2015 WL 821146 (11th Cir. Feb. 27, 2015), the Eleventh Circuit reversed the district court’s grant of summary judgment for the policyholder, finding that “structural damage” does not mean any “damage to the structure.”

The coverage dispute arose when the insurer First Liberty Insurance Corp. (“First Liberty”) denied the policyholders’ claim for a “sinkhole loss” which their homeowner’s insurance policy defined as “structural damage to the building, including the foundation, caused by sinkhole …

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