Project insurance disputes sit on top of the same delay, defect and causation facts as the underlying project dispute.
CAR/EAR, machinery breakdown, delay in start-up, property damage and project liability can turn on physical damage, defects, testing and revenue delay.
The Project Insurance Causation Map
Translate policy wording, event facts, financial response and recovery into one decision architecture.
The Project Insurance Causation Map
Decision pathwayPreserve site / test evidence.
Separate cost categories.
Quantify consequence.
Identify responsibility.
Pursue residual parties.
What can move the result.
The analysis should refresh whenever material wording, factual, valuation or collection assumptions change.
Defects exclusions
Wording varies.
DSU trigger
Often depends on insured physical loss.
Testing
Special terms may apply.
Existing property
Needs precise definition.
Deductibles
Time / monetary deductibles interact.
Waiver of subrogation
Project contracts may restrict recovery.
Keep coverage, liability and recovery connected.
Insurance disputes become harder when the policy file and underlying loss file evolve separately.
Identify policy event / claim.
Notice, evidence and rights.
Coverage, causation and quantum.
Structured resolution / arbitration proportionately.
Payment, subrogation and enforcement.
Insurance disputes often need the expertise of the underlying industry.
UNIONE™ can combine Construction, Energy, Finance and insurance expertise around one project event chronology.