Opinion ID: 3015793
Heading Depth: 3
Heading Rank: 1

Heading: Whether the Loss Predated the Policy

Text: We believe the August 20, 2001 memorandum written by Ron Snyder, a Motorists regional property consultant, at the least, creates a genuine issue of material fact on whether the loss predated the policy. Snyder wrote: After as through [sic] investigation as possible at this time it can also be concluded that the well became contaminated after our insured moved into the house based of a water test by the health department and the fact that the previous occupants did not become ill. Microbiological contamination was not found in the water well when it was tested in 1998. Appendix at 393 (emphasis in original). Snyder’s opinion may not definitively establish that the loss occurred after the policy’s inception, but it is sufficient to create a genuine issue of fact. Summary judgment on the basis that the loss predated the policy is therefore inappropriate for Motorists.