Opinion ID: 1203563
Heading Depth: 1
Heading Rank: 4

Heading: Inherent Defects, Bulging, Deterioration

Text: Paragraph E. of the exclusionary section of the policy excludes loss caused by deterioration ... inherent or latent defect... cracking [or] bulging ... of pavements, foundations, walls ... unless loss by a peril not otherwise excluded ensues and then the Company shall be liable for only such ensuing loss. F & G argues that signs of deterioration, cracking and bulging in the retaining wall were evident seven years before Allied filed its claim under the policy. Furthermore, F & G maintains that, since the evidence showed that the retaining walls were not constructed to withstand the amount of fill placed behind them, they were inherently defective, and that defect was the cause of the loss. As discussed above, however, the jury determined the loss was caused by earth pressure, a peril not otherwise excluded. Therefore, coverage is not defeated under this exclusion.