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Civil Litigation

Feb. 11, 2025

Debris from nearby fire not loss of property damage, panel rules

A California appeal court sided with Wawanesa Insurance, denying Saddle Ridge Fire victims' claims for smoke damage, setting a precedent for future wildfire insurance disputes.

Debris from nearby fire not loss of property damage, panel rules
2nd District Court of Appeal, Division 2 Justice Judith Ashmann-Gerst

A Court of Appeal panel ruled that homeowners were not entitled to loss of property damages from their insurance company because they failed to show that smoke, soot and ash from the 2019 Saddle Ridge fire altered their property in a lasting manner.

"This is both an unremarkable and important decision at the same time," John D. Edson of Sheppard Mullin said in a telephone interview Monday. "This is a commonsense decision that does not impact people who suffered burn...

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