Huang v. State Farm General Ins. Co. CA2/2
In 2012, appellants Hai and Jen Huang made a claim under their homeowners insurance policy with defendant State Farm General Insurance Company (State Farm) related to physical damage to their home. Although the Huangs had made similar claims in both 2008 and 2010, they asserted the damage at issue in their 2012 claim was caused by demolition work at a neighbor’s home. In particular, the Huangs stated the demolition caused intense vibrations that in turn damaged their home. After investigating their claim, State Farm concluded the damage was preexisting and not caused by the demolition vibrations. Instead, as it had concluded in investigating earlier claims, State Farm believed the damage was caused by long term settlement of the soil and earth beneath the home, which type of damage was excluded under the Huangs’ insurance policy.
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