https://thewashingtonstandard.com/michigan-bill-hb6147-advances-steps-against-cbdcs/

Occam’s Razor Exclusion for Work Performed by Insured Defeats Claim for Construction Defects Post 4935 Read the full article at https://lnkd.in/gT_NsMHv, see the full video at https://lnkd.in/gqkPHYbp and at https://lnkd.in/gEEXkUe3, and at https://zalma.com/blog plus more than 4900 posts. The question presented to the U.S. First Circuit Court of Appeals was whether a contractor’s CGL insurance policy covers general damage to a non-defective part of the contractor’s project resulting from a subcontractor’s defective work on a different part of that project. APPLICATION OF OCCAM’S RAZOR The analysis technique that proposes that the simplest of competing theories be preferred to the more complex. FACTUAL BACKGROUND Applying Massachusetts law, the district court concluded that Admiral had no duty to defend Tocci in Admiral Insurance Company, Starr Indemnity & Liability Company, Great American Assurance Company v. Tocci Building Corporation, Tocci Residential LLC, John L. Tocci, Sr., No. 22-1462, United States Court of Appeals, First Circuit (November 8, 2024) and Tocci appealed. From 2013 to 2016, Tocci was the construction manager for an apartment project owned by Toll JM EB Residential Urban Renewal LLC (“Toll”). There were several work quality issues and delays on the project, and Toll eventually terminated Tocci in March 2016 for alleged mismanagement of the project. Toll sued with allegations regarding instances of defective work leading to property damage. The allegations included defective work by Tocci’s subcontractors resulting in various instances of property damage to non-defective work on the project, including (1) damage to sheetrock resulting from faulty roof work; (2) mold formation resulting from inadequate sheathing and water getting into the building; and (3) damage to a concrete slab, wood framing, and underground pipes resulting from soil settlement due to improper backfill and soil compaction. DUTY TO DEFEND Tocci sought defense and indemnity coverage under the Admiral insurance policies. Admiral denied coverage. The district court granted Admiral’s motion on duty to defend because the damage alleged in Toll’s complaint did not qualify as “property damage” as defined in the policy because the allegations consisted entirely of damage at Tocci’s own project. ANALYSIS The First Circuit considered three steps to the coverage analysis: (1) Do the damages alleged in the action fall within the scope of coverage?; (2) if so, do the exclusions to coverage apply?; and (3) if so, do any exceptions to the exclusions apply? The First Circuit noted that there is a sharp split of authority on whether damage to non-defective work resulting from a subcontractor’s defective work constitutes “property damage” or is caused by an “occurrence.” The First Circuit decided to avoid the issues of what constitutes “property damage” by focusing on the exclusions which were sufficient to resolve the complete dispute. THE HOLDING There are two “Damage to Property” exclusions that provide that there is no coverage for “property damage” to: that particular part of real property on which you or any contractors or subcontractors working directly or indirectly on your behalf are performing operations, if the ‘property damage’ arises out of those operations; or that particular part of any property that must be restored, repaired or replaced because “your work” was incorrectly performed on it. The First Circuit, applying Occam’s Razor, focused its analysis on the exclusion it concluded covers the allegations in the Toll complaint. Since the complaint alleges damage resulting from Tocci’s “incorrectly performed” work on the entire project “[t]hat particular part of any property that must be restored, repaired or replaced because ‘[Tocci’s] work’ was incorrectly performed on it” refers to the entirety of the project where Tocci was the general contractor charged with supervising and managing the project as a whole. Therefore, the First Circuit concluded that Admiral met its burden of establishing that the Toll action only alleges damage falling within the exclusion and that there was no exception to that exclusion that applied. ZALMA OPINION This is a case of a court applying Occam’s Razor, by picking an easy and obvious solution – the application of an exclusion – and avoiding the problem of different court rulings on coverage about “property damage” and “occurence.” Since the exclusion clearly applied there was no duty to defend. (c) 2024 Barry Zalma & ClaimSchool, Inc. Please tell your friends and colleagues about this blog and the videos and let them subscribe to the blog and the videos. Subscribe to my substack at https://barryzalma.substack.com/subscribe Go to X @bzalma; Go to Newsbreak.com https://www.newsbreak.com/@c/1653419?s=01; Go to Barry Zalma videos at Rumble.com at https://rumble.com/account/content?type=all; Go to Barry Zalma on YouTube- https://www.youtube.com/channel/UCysiZklEtxZsSF9DfC0Expg Go to the Insurance Claims Library – https://lnkd.in/gwEYk Subscribe to my substack at https://lnkd.in/gmmzUVBy

**W A R N I N G** - **Do NOT Use Credit Cards to Pay for ANYTHING …** - **Do NOT use Your Telephone to Pay for ANYTHING …** - **Do NOT use Your Watch to Pay for ANYTHING …** - **Do NOT use QR to Pay for ANYTHING … to Book a flight, to go to the Movies, Theatre … or for ANY PAYMENT WHATSOEVER …** ***“‘It’s a Slavery System’: Reject Real ID, Don’t Use QR Codes Ever”*** ***“They’re trying to build a control grid and they’re building it in different steps*** ***By Brenda Baletti, Ph.D.*** ***Catherine Austin Fitts, founder and publisher of “The Solari Report,” told viewers of ‘The Financial Rebellion’ on an episode of ‘Good Morning, CHD’.*** ***Biometric scans, QR codes, Real ID, and digital money — they’re all steps in that process, said Austin Fitts.*** ***‘And when they all link together, you are in a digital concentration camp and they can take all of your assets, they can take your kids, they have complete control. It’s a slavery system’, she said.*** ***‘Some people oppose some steps and not others, Austin Fitts said. Conservatives tend to support a biometric surveillance system at the border, for example. But people don’t understand that the pieces are all part of building a total biometric surveillance system.’*** ***‘Austin Fitts — the former U.S. assistant secretary of Housing and Urban Development — cited historian Carol Quigley, who argued that part of the goal of financial capitalism was to concentrate financial control in private hands so that those who controlled the financial system could also control the political system.’*** ***‘Austin Fitts said today this type of control depends on the ability to centrally control the rules of finance. The central bankers are now merging with big tech, creating a control system. “And they’re doing it leg by leg, bit by bit,” Austin Fitts said. “And if you buy into the different bits, it’s going to snap together.’”*** **WATCH THIS CLIP ... FROM ... *'THE NETWORK 1976'*** **I think many already know abut this movie that it was released in 1976 ... About What We Are Now Beginning to Experience ...** https://www.bitchute.com/video/9hytpulevh8P ***Are you STILL ASLEEP ...???***

🧵PRACTICAL GUIDE: Many of you have asked how we can take action and push back against the @WEF and the globalist agenda. Don’t lose hope—here are ten powerful steps you can take to help ensure the Great Reset doesn’t succeed. ⬇️A THREAD⬇️ https://x.com/goddeketal/status/1849898298095866254?t=_kaw2U2Yp-Co2kzoEAUPoQ&s=19 https://x.com/goddeketal/status/1849898302231191700?t=zbHY2eNaN8fQ9MiKAhZ06A&s=19 https://x.com/goddeketal/status/1849898306551361884?t=5f0IQ01k8wakcTLds-P0Cw&s=19 https://x.com/goddeketal/status/1849898309344952647?t=tHyWfBmfGHFdEyqyqECnhQ&s=19 https://x.com/goddeketal/status/1849898313858023750?t=n1q8Qy99tUGsuTFMYdp5-w&s=19 https://x.com/goddeketal/status/1849898318127825110?t=cZJMdPFRLaV81lQYu4iH9w&s=19 https://x.com/goddeketal/status/1849898332757405772?t=ZdnVvV9jzQThdurkMvFl0Q&s=19

Is FEMA incompetent? 'Redneck Air Force' Reportedly Steps Up After FEMA's Lackluster Response to Helene via @WestJournalism https://www.westernjournal.com/redneck-air-force-reportedly-steps-femas-lackluster-response-helene/?utm_source=Twitter&utm_medium=PostSideSharingButtons&utm_campaign=websitesharingbuttons God Bless America, God Save The Republic.

"Initial steps are being taken to challenge the questionable probe into EU dairy products. Austria, Belgium, Croatia, the Czech Republic, Finland, Ireland, Italy, and Romania came under the ministry’s scrutiny after their governments sought a negotiated solution. Rather than using the struggling economy to shield domestic companies from steep tariffs, these countries have become 'hostages' to an unrelated trade dossier. Milk production occurs in all EU countries a significant share of the EU’s agricultural output. Total EU milk production is estimated at around 155 million tonnes per year, with Germany, France, Poland, the Netherlands, Italy, and Ireland being the main producers. Together, these six countries account for nearly 70% of the EU's total milk production. Although the overall dairy herd in the EU has been decreasing in recent years, milk yield per cow has improved. In 2020, there were 20 million cows in the EU, each producing an average of 7,300 kg of milk annually."

In this video, we dive deep into how childhood experiences impact our adult relationships. Whether it's attachment styles, emotional responses, or how we handle conflict, the roots often trace back to our formative years. Join us as we explore key insights into recognizing these patterns and healing from past wounds to build healthier connections in the present. 🔑 Topics covered: - Childhood attachment and its influence on relationships - Recognizing emotional triggers from the past - Practical steps to heal and move forward - How therapy can support this journey - Let’s embark on the path of healing and growth together What is Marble Wellness? Marble Wellness is a mental health therapy practice serving the Greater St. Louis area including, West County, Kirkwood, University City, Ladue, Clayton, Frontenac, O'Fallon, Wentzville, and Lake St. Louis. Our skilled therapists can also provide online therapy in Missouri for clients all over the state. https://www.youtube.com/watch?v=K6_XDCnxzzc

WE ARE FROM THE GOVERNMENT AND WE ARE HERE TO SAVE YOU! STAY AWAY FROM GOVERNMENT! before the finale, he steps on her head! https://old.bitchute.com/video/JcKCQUv3vFC6/

Ronny Reyes & Emily Crane - Tech billionaire Jared Isaacman steps out in space for first-ever private spacewalk after traveling farther than any man has gone in 50 years: https://nypost.com/2024/09/12/us-news/tech-billionaire-jared-isaacman-conducting-first-ever-private-spacewalk/ #Spacewalk #Earth #Orbit #SpaceX #Polaris #CrewDragon #Aerospace

https://thewashingtonstandard.com/the-first-steps-toward-a-liberty-platform/