The Pennsylvania Superior Court has ruled that general contractor overhead and profit (GCOP) was not required to be factored into two homeowners’ actual cash value settlements with their insurer for water damage to their properties.

In reversing the ruling of the lower court, a three-judge Superior Court panel consisting of Judges Jack Panella, Correale Stevens and Judith Ference Olson ruled that not only do the Truck Insurance Exchange policies with plaintiffs Konrad Kurach and Mark Wintersteen explicitly exclude GCOP from actual cash value settlements, but there is no state law requiring the inclusion of GCOP in those payouts.