Opinion ID: 1203563
Heading Depth: 1
Heading Rank: 5

Heading: Enforcement of Building Codes

Text: F & G asserts that the losses suffered by Allied were the result of the enforcement of the city's building ordinances. The city condemned Allied's property in July 1985. Although Allied sought to reoccupy the property in September, the condemnation was not lifted until February 1986. Paragraph A. of the exclusion section of the policy excludes loss occasioned directly or indirectly by enforcement of any ordinance or law regulating the use, construction, repair, or demolition of buildings or structures including debris removal expense. This provision also served as a basis for F & G's denial of coverage. Allied's evidence indicated that it had taken steps to vacate the damaged and unsafe premises prior to any attempt by Charlottesville to condemn the property. Tenants were removed during the period of repair until the safety of the warehouses was reestablished. Furthermore, as discussed above, the loss was occasioned by earth pressure resulting in the structural failure of the warehouse. F & G did not carry its burden to show that condemnation by the city caused Allied's loss.