Summary

Karen R. Baker Scottsdale Insurance Co. v. Morrow Valley Land Co… (2012)

As in Minerva, it is unclear whether the claimed gases, smoke, dust, fumes, odors, and particulate from the CAFO would constitute "solid, liquid, gaseous or thermal irritant or contaminant" falling within the definition of "pollutants" contained in the insurance policy's pollution exclusion. We conclude that whether the dissemination of such gases, smoke, dust, fumes, odors, and particulate comes within the definition of "pollutants" is fairly susceptible to more than one reasonable interpretation; therefore, the pollution exclusion is ambiguous.
Source: Wikisource

Karen R. Baker Scottsdale Insurance Co. v. Morrow Valley Land Co… (2012)

On appeal, Scottsdale claims that the circuit court erred in granting summary judgment on the duty-to-defend claim because the pollution-exclusion provision in the insurance policy is unambiguous and excludes defense of pollution claims. On cross-appeal, appellee asserts that the circuit court erred in denying in part its motion for attorney's fees. Our jurisdiction is pursuant to Arkansas Supreme Court Rule 1-2 (b) (1) , (2) , and (5) (2011) . We affirm on direct appeal and dismiss the cross-appeal.
Source: Wikisource

Karen R. Baker Scottsdale Insurance Co. v. Morrow Valley Land Co… (2012)

As a general rule, the pleadings against the insured determine the insurer's duty to defend. Id. The duty to defend is broader than the duty to indemnify; the duty to defend arises when there is a possibility that the injury or damage may fall within the policy coverage Id. Where there is no possibility that the damage alleged in the complaint may fall within the policy coverage, there is no duty to defend.
Source: Wikisource

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