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The Pointe Dallas, LLC v. Underwriters at Lloyd’s London

Court: 5th Cir  01/11/2024  Fifth Circuit Finds Ambiguity in Protective Safeguard Endorsement

The Fifth Circuit Court of Appeals reversed a summary judgment ruling that a protective safeguard endorsement barred coverage for a fire loss, holding that the word "local," as it modifies the type of fire alarm system the insured was required to maintain, is ambiguous and must be construed in favor of coverage.

commercial property policy, ambiguity, protective safeguard endorsement, local fire alarm, central fire alarm

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