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http://nycourts.law.com/CourtDocumentViewer.asp?view=Document&docID=47233 Judge Koeltl AN ACTION arose out of the denial of an insurance claim after the terrorist attacks on Sept. 11, 2001. Defendant insurance company argued that there is no coverage under the policy for the losses claimed and that there is no evidence of actual damages suffered by plaintiff. Defendant contended that the insurance policy covers only those days when civil authority actually prohibited access and not subsequent days when other traffic restrictions made access to the premises more difficult. The court ruled that because access was prohibited by civil authority from Sept. 11, 2001 through Sept. 14, 2001, the coverage applies only to these four days and does not extend through Sept. 17, 2001, despite confusion that plaintiff’s employees had about access to the premises and despite any difficulties plaintiff’s chairman had in getting around the city. The court granted defendant summary judgment on the issue of coverage for claims by plaintiff after Sept. 14, 2001, but denied it with respect to losses incurred by plaintiff.

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