| State |
Limiting Exclusion to “Industrial” or “Environmental” Pollution |
Applying the Exclusion Literally |
Product or Material |
| Alabama |
Essex Ins. Co. v. Avondale Mills, Inc., 639 So. 2d 1339 (Ala. 1994) |
|
Injury from release indoors of asbestos |
| Arizona |
Keggi v. Northbrook Prop. & Cas. Ins. Co., 13 P.3d 785 (Ariz. Ct. App. 2000) |
|
Injuries from bacteria-contaminated water |
| Arkansas |
Minerva Enters., Inc. v. Bituminous Cas. Corp., 851 S.W.2d 403 (Ark. 1993) |
|
Damage to home from backup of raw sewage |
| California |
MacKinnon v. Truck Ins. Exch., 73 P.3d 1205 (Cal. 2003) |
|
Injury from use of pesticides |
| Colorado |
|
TerraMatrix, Inc. v. United States Fire Ins. Co., 939 P.2d 483 (Colo. Ct. App. 1997) |
Property damage and injuries from ammonia vapors from a printer |
| District of Columbia |
Richardson v. Nationwide Mut. Ins. Co., 826 A.2d 310 (D.C. 2003), result vacated and reh’g en banc granted, No. 01-SP-1451, 2003 WL 22232039 (D.C. Sept. 29, 2003) |
|
Injuries from carbon monoxide fumes leaking from faulty furnace |
| Florida |
|
Deni Assocs. of Fla. v. State Farm Fire & Cas. Ins. Co., 711 So. 2d 1135 (Fla. 1998) |
Damage from accidental contamination from ammonia and spraying of insecticide |
| Georgia |
|
Pekins Hardwood Lumber Co. v. Bituminous Cas. Corp., 378 S.E.2d 407 (Ga. Ct. App. 1989) |
Damage from car accident due to reduced visibility from smoke |
| Illinois |
American States Ins. Co. v. Koloms, 687 N.E.2d 72 (Ill. 1997) |
|
Injuries from release of carbon monoxide |
| Indiana |
Freidline v. Shelby Ins. Co., 774 N.E.2d 37 (Ind. 2002) |
|
Injuries from toxic fumes from materials used to install carpet in an office building |
| |
Am. States Ins. Co. v. Kiger, 662 N.E.2d 945 (Ind. 1996) |
|
Damages from leaks from underground tanks at gas station |
| Iowa |
West Bend Mut. Ins. Co. v. Iowa Iron Works, Inc., 503 N.W.2d 596 (Iowa 1993) |
|
Damage from sand disposed of off site |
| Kansas |
Associated Wholesale Grocers, Inc. v. Americold Corp., 934 P.2d 65 (Kan. 1997) |
|
Damages caused by smoke from hostile fire |
| |
Atlantic Ave. Assocs. v. Central Solutions, Inc., 24 P.3d 188 (Kan. App. 2001) |
|
Damages to leased premises caused by leak of cement cleaner |
| Kentucky |
Motorists Mut. Ins. Co. v. RSJ, Inc., 926 S.W.2d 679 (Ky. Ct. App. 1996) |
|
Damages caused by carbon monoxide fumes leaking from defective boiler |
| Louisiana |
E.g., Doerr v. Mobil Oil Corp., 774 So.2d 119 (La. 2000) |
|
Injuries arising from release of hydrocarbons from wastewater facility |
| Maryland |
|
Bernhardt v. Hartford Fire Ins. Co., 648 A.2d 1047 (Md. Ct. Spec. App. 1994) (appeal settled due to settlement by the insurance company) |
Bodily injury from carbon monoxide exposure due to blocked chimney |
| Massachusetts |
Western Alliance Ins. Co. v. Gill, 686 N.E.2d 997 (Mass. 1997) |
|
Injuries arising from carbon monoxide exposure due to defective tandoori oven |
| |
Atlantic Mut. Ins. Co. v. McFadden, 595 N.E.2d 762 (Mass. 1992) |
|
Lead poisoning |
| Michigan |
|
McKusick v. Travelers Indem. Co., 632 N.W.2d 525 (Mich. Ct. App. 2001) |
Injuries caused by exposure to toluene diisocyanate after failure of hose delivery system |
| Minnesota |
|
Board of Regents of Univ. of Minn. v. Royal Ins. Co., 517 N.W.2d 888 (Minn. 1994) |
Asbestos abatement |
| |
|
Auto-Owners Ins. Co. v. Hanson, 588 N.W.2d 777 (Minn. Ct. App. 1999) |
Lead-paint exposure |
| Missouri |
|
Boulevard Inv. Co. v. Capitol Indem. Corp., 27 S.W.3d 856 (Mo. Ct. App. 2000) |
Damages from back-up from blockage of plumbing system by grease and other kitchen waste |
| |
|
Casualty Indem. Exch. v. City of Sparta, 997 S.W.2d 545 (Mo. Ct. App. 1999) |
Damages from sewage sludge |
| Nebraska |
|
Cincinnati Ins. Co. v. Becker Warehouse Inc., 635 N.W.2d 112 (Neb. 2001) |
Damages caused by sealant applied to concrete floor |
| New Hampshire |
Weaver v. Royal Ins. Co., 674 A.2d 975 (N.H. 1996) |
|
Child’s exposure to lead paint carried home in father’s work clothes |
| New Jersey |
Byrd ex rel. Byrd v. Bumenreich, 722 A.2d 598 (N.J. Super. Ct. App. Div. 1999) |
|
Lead paint |
| |
|
Leo Haus, Inc. v. Selective Ins., 801 A.2d 419 (N.J. Super. Ct. App. Div. 2002) |
Injuries arising from carbon monoxide from heating unit |
| New York |
Belt Painting Corp. v. TIG Ins. Co., 795 N.E.2d 15 (N.Y. 2003) |
|
Injuries arising from inhalation of solvent fumes |
| North Carolina |
West Am. Ins. Co. v. Tufco Flooring E., Inc., 409 S.E.2d 692 (N.C. Ct. App. 1991) |
|
Damage to chicken from fumes from floor resurfacing product |
| Ohio |
Anderson v. Highland House Co., 757 N.E.2d 329 (Ohio 2001) |
|
Injuries arising from carbon monoxide from faulty heater |
| Pennsylvania |
Lititz Mut. Ins. Co. v. Steely, 785 A.2d 975 (Pa. 2001) |
|
Lead paint |
| |
|
Madison Constr. Co. v. Harleysville Mut. Ins. Co., 735 A.2d 100 (Pa. 1999) |
Injuries arising from fumes from concrete sealer used at construction site |
| South Dakota |
|
S.D. State Cement Plant Comm’n v. Wausau Underwriters Ins. Co., 616 N.W.2d 397 (S.D. 2000) |
Damages arising from Emissions of cement dust |
| Texas |
|
Zaiontz v. Trinity Univ. Ins. Co., 87 S.W.3d 565 (Tex. Ct. App. 2002) |
Injuries arising from fumes from spraying smoke and fire eliminator in airplane |
| |
|
National Union Fire Ins. Co. of Pittsburgh, Pa. v. CBI Indus., Inc., 907 S.W.2d 517 (Tex. 1995) |
Injuries and damages arising from accidental release of cloud of hydrofluoric acid |
| Washington |
Kent Farms, Inc. v. Zurich Ins. Co., 998 P.2d 292 (Wash. 2000) |
|
Injuries from exposure to diesel fuel from back-flow due to faulty intake valve |
| |
|
Quadrant Corp. v. American States Ins. Co., 76 P.3d 773 (Wash. Ct. App. 2003) |
Injury from fumes emanating from waterproofing material, which is pollutant when used as intended |
| Wisconsin |
Donaldson v. Urban Land Interests, Inc., 564 N.W.2d 728 (Wis. 1997) |
|
Bodily injury from breathing carbon dioxide |
| |
|
Peace ex rel. Lerner v. Northwestern Nat’l Ins. Co., 596 N.W.2d 429 (Wis. 1999) |
Lead paint |
| Wyoming |
Gainsco Ins. Co. v. Amoco Produc. Co., 53 P.3d 1051 (Wyo. 2002) |
|
Injury from exposure to hydrogen sulfide gas |
