Judge's gavel coming down on a pile of money. The court decided that direct physical loss or damage could be shown without evidence of a physical alteration in the insured property. (Photo courtesy of Bigstock)

The California Court of Appeal has reversed the trial court's granting of demurrer and found that an insured adequately pled a claim of direct physical loss or damage due to the presence of the COVID-19 virus on an insured property. The case is Marina Pacific Hotel & Suites, LLC v. Fireman's Fund Ins. Co., No. B316501, 2022 Cal. Ct. App. (Ct. App. July 13, 2022).

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