Opinion ID: 145306
Heading Depth: 2
Heading Rank: 2

Heading: The Liability Insurance Policies

Text: Continental insured the Swallows' house, and acknowledges that their policy covered the fire. Atlantic insured Wodraska, but argues that Wodraska cannot recover under its policy for three reasons. First, the policy required Wodraska to provide notice of an `occurrence' and potential claim as soon as practicable. Second, the policy contained an exclusionary provision, the Roofing Limitation Endorsement (RLE), which provided: [W]e do not cover claims, loss, costs or expense arising out of... property damage as a result of any operations involving any hot tar, wand, torch or heat applications or membrane roofing. Finally, Wodraska failed to comply with its obligation under the policy to [c]ooperate with [Atlantic] in the investigation of Continental's claim against Wodraska.