NJ Ltd v WJ Ltd [2022] NZDT 29 (25 February 2022) [pdf, 212 KB]
...damage done to premises. This included human and animal urine on the carpet, marked walls, soiled curtains and rubbish, including nappies. NJ contacted WJ for cover for losses. WJ determined that the insurance cover is only for some of the amount claimed by NJ. NJ disputes WJ’s application of the contract to the claimed losses and has requested a determination from the Tribunal. 3. There are essentially three areas of dispute. They are: (i) the application of excesses to t...