Chayer v. Perras, 2015 QCCS 3196
The insurance policy covers, among other things, the insureds’ civil liability for losses incurred as a result of their own deeds and actions. The definition of the word “loss” mentions that damages must be caused by an event. Since the presence of latent defects does not constitute an “event,” the claim filed for damages resulting from latent defects is not covered by the policy and the insurer is not required to take up the case of the insured party.
