Judge: HVAC Units Not ‘Personal Property,’ No Coverage Owed For Hail Damage

Mealey's (February 16, 2021, 1:37 PM EST) -- LOUISVILLE, Ky. — Granting a commercial property insurer’s motion for partial summary judgment, a federal judge in Kentucky on Feb. 16 held that no coverage is owed for a restaurant insured’s heating, ventilation and air conditioning (HVAC) units that were damaged by a hailstorm because the units were not “leased personal property” that the insured had a “contractual responsibility to insure.”...