Chayer v. Perras, 2015 QCCS 3196
Among other things, the insurance policy covers the insured’s civil liability for losses as a result of the insured’s own acts and deeds. The definition of the word “loss” mentions that the damage must be caused by an event, and the presence of latent defects does not constitute an “event.” In this instance, the claim for damage resulting from latent defects is not covered by the policy and the insurer has no obligation to defend the insured party.
