Source: http://massachusettslandlords.com/creamer-vs-arbella/
Timestamp: 2019-04-22 07:03:33+00:00

Document:
TIMOTHY CREAMER & another1 vs. ARBELLA INSURANCE GROUP.
Essex. November 6, 2018. – March 13, 2019.
Present: Sullivan, Kinder, & Shin, JJ.
Insurance, Homeowner’s insurance, Coverage, Property damage.
Environmental damage. Practice, Civil, Summary judgment.
Brad W. Graham for the plaintiffs.
covers the claims raised in the underlying lawsuit.
there is or has been a release or threat of release of oil . . .
insured.” We therefore vacate the judgment and remand.
In June 2005 the sellers listed the property for sale.
$380,000, and the sale closed on October 28, 2005.
their claims against this defendant.
default judgment against the sellers entered in December 2012.
terminated upon the sale of the property on October 28, 2005.
the plaintiffs’ claim for damages under c. 21E.
of an insurance company to a judgment debtor under a . . .
expectation of proving an essential element of their case.” Id.
insurer has a duty to indemnify.” Metropolitan Prop. & Cas.
Ins. Co. v. Morrison, 460 Mass. 352, 361 (2011). See Miller v.
insurer is bound.” Winbrook Communication Servs., Inc. v.
Sciaraffa v. Debler, 304 Mass. 240, 242 (1939). See Joyce v.
address these arguments in turn.
established in the record.” Aetna Cas. & Sur. Co. v.
Fund, 424 Mass. 275, 280 (1997). See Rubenstein v. Royal Ins.
Co. of Am., 44 Mass. App. Ct. 842, 853-854 (1998).
conditions, which results, during the policy period, in . . .
Trustees of Tufts Univ. v. Commercial Union Ins. Co., 415 Mass.
exposure’ to the hazardous material during the policy periods”).
Mass. App. Ct. 842, 848 (1998).
policy. New England Mut. Life Ins. Co. v. Liberty Mut. Ins.
showing of fault.” Martignetti v. Haigh-Farr, Inc., 425 Mass.
incur their damages until after the closing of the sale.
the policy period” as required to establish an occurrence.
property prior to a sale. See, e.g., Safeco Ins. Co. of Am. v.
statute equivalent to c. 21E.
occurred be required to defend the insured.” Id. at 852.
exclusion applies. Highlands Ins. Co., 424 Mass. at 232 n.8.
premises”). See also Travelers Ins. Co. v. Waltham Indus.
the property,10 it is silent as to the date of discovery.
c. 21E damages falls outside the exclusion. See Nashua Corp. v.
not falling within pollution exclusion).
and remand for further proceedings consistent with this opinion.
presumably, it would likely cease to be accidental or sudden”).
clearly incorporated these factual allegations.

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