JOHN DOWNEY v. 10 REALTY CO., LLC

GNYM had no duty to defend or indemnify its insured in the negligence action. According to the complaint, bill of particulars and deposition testimony in the underlying tort action, plaintiff sued for injuries that allegedly occurred in October — or, at the very earliest, August — of 2002, which was outside the insurance policy period that ended on July 1 of that year ( see Allstate Ins. Co. v Zuk, 78 NY2d 41, 45; Fire Cos. Ins. Co. of Conn. v Solomon, 50 AD3d 340). Plaintiffs alleged exposure to mold during the policy period did not trigger any duty to provide coverage thereafter, as New York follows the "injury-in-fact" test which "rests on when the injury, sickness, disease or disability actually began" and "requires the insured to demonstrate actual damage or injury during the policy period" ( Continental Cos. Co. v Employers Ins. Co. of Wausau, 60 AD3d 128, 148, lv denied 13 NY3d 710; cf. American Home Prods. Corp. v Liberty Mut. Ins. Co., 748 F2d 760, 765 [2d Cir 1984], modfg 565 F Supp 1485, 1497 [SD NY 1983]).

[ Prior Case History: 2009 NY Slip Op 3195KU).]