owner-claimant rule

The owner-claimant rule is a legal tactic where the damaged property must be owned by the claimant at the time of the property damage in order for the liability to be covered.

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The court in American States Ins. Co. v. PIH Beaverton, LLC, 2016 U.S. Dist. LEXIS 83188 (D. Or. May 3, 2016), observed that a majority of courts have rejected this somewhat novel rule on the basis that there was nothing in the insuring clause or the policy definition of property damage to support that limitation on coverage. Quite understandably, the court denied American States' motion on that basis.