{"id":"court_ctb_1787_17","court":"CTB","case_no":"22-50073","doc_number":1787,"sub_number":17,"doc_type":"UNKNOWN","filed_date":"2023-05-12","title":"April 17, 2023 Via Email","summary_zh":null,"summary_en":null,"body_en":"Case 22-50073 Doc 1787-17 Filed 05/12/23 Entered 05/12/23 16:37:59 Page 1 of 3\n\nApril 17, 2023\n\n## *Via Email*\n\nLuc Despins, Esq. Paul Hastings LLP 200 Park Avenue New York, New York 10166 [lucdespins@paulhastings.com](mailto:lucdespins@paulhastings.com)\n\n![](_page_0_Picture_6.jpeg)\n\nRe: Claim of Genever Holdings LLC Policy No.: 0061821440 Claim No.: 81000578 Date of Loss: March 15, 2023\n\nDear Mr. Despins:\n\nAs we have previously advised, this office represents AIG Property Casualty Company (\"AIG\"), which issued Homeowners Policy No. PCG 0061821440 (the \"Policy\") to Genever Holdings LLC (\"Genever\") for the period of March 6, 2023, to March 6, 2024. The Policy provides certain insurance coverage with respect to the unit at 781 Fifth Avenue, 18th Floor, New York, New York 10022. As we also have previously advised, AIG is currently conducting an investigation into the fire at 781 Fifth Avenue, New York, NY under a strict reservation of rights.\n\nIn respect of the reservation of rights, we note that the Policy's Property coverage does not cover Genever for \"any loss caused by any act, whose consequences could have been foreseen by a reasonable person,\" when committed by an insured person \"[w]ith the intent to cause loss or damage.\" The Policy's Property coverage also does not cover \"any loss caused by any dishonest or criminal act by, or at the direction of, [Genever] or any family member.\" The Policy's Liability coverage also does not indemnify Genever for any liability it might incur for \"**[**p]ersonal injury or property damage resulting from any criminal, willful, intentional or malicious act or omission by any person\" or \"claims for acts or omissions of any person which are intended to result in, or would be expected by a reasonable person to cause, property damage or personal injury.\"\n\nThe Policy does not obligate AIG to make repairs or incur repair costs for claims while it is still investigating whether the claims are covered under the Policy. Indeed, the Policy specifically places that obligation on Genever. As the Policy provides:\n\nYour Duties After a Loss\n\nIn the event of an occurrence which is likely to involve this policy, or if you or any other insured **person** under this policy is sued in connection with an occurrence which may be covered under this policy, you or an insured **person** must:\n\n- . . . .\n- 4. Protect the property from further damage. If repairs to the property are required, you must:\n\t- a. Make reasonable and necessary repairs to protect the property; and\n\t- b. Keep an accurate record of all repair expenses.\n\t- . . . .\n\nWhile AIG engaged Westfair Restoration to complete select cleaning of the elevator corridors and hallways in order to protect and preserve the insured unit and to mitigate potential damage to the building or any other units, it did so under a reservation of rights and did not commit to any additional cleanup or remediation. Given the unusual circumstances regarding the fire that originated at the insured unit, AIG does not intend to take any further action in respect of repair or remediation at this time.\n\nAs noted, AIG's investigation of Genever's claim continues under a strict reservation of rights. AIG does not waive, and intends to preserve, all potential defenses to coverage under the Policy and at law, and our reference in this letter to certain exclusions is not a waiver of other terms of the Policy, including other exclusions, that may affect Genever's entitlement to coverage.\n\nSincerely,\n\nWADE CLARK MULCAHY LLP /s/ *Michael A. Bono*\n\nApril 17, 2023 Page 3\n\n> cc: Sherry Millman, Esq. [smillman@stroock.com](mailto:smillman@stroock.com)\n\n> > Audi Mincey Wolfson Ins. Brokerage Inc. [amincey@globalcoverage.com](mailto:amincey@globalcoverage.com)\n\nGenever Holdings LLC c/o Max Krasner [propertymanagement77@proton.me](mailto:propertymanagement77@proton.me)\n\nCara DiGiovanna [Cara.Digiovanna@aig.com](mailto:Cara.Digiovanna@aig.com)","body_zh":"Case 22-50073 Doc 1787-17 Filed 05/12/23 Entered 05/12/23 16:37:59 Page 1 of 3\n\n2023年4月17日\n通过电子邮件发送\n\nLuc Despins（卢克·德斯宾斯）律师，Paul Hastings LLP（普衡律师事务所），200 Park Avenue New York, New York 10166 [lucdespins@paulhastings.com]\n\n事由：Genever Holdings LLC（吉纳弗控股有限公司）理赔申请 保单号：0061821440 赔案号：81000578 出险日期：2023年3月15日\n\n尊敬的 Despins 先生：\n\n正如我们此前所告知，本律所代表 AIG Property Casualty Company（AIG财产意外险公司，以下简称「AIG」）。AIG 向 Genever Holdings LLC（以下简称「Genever」）签发了保险期间为2023年3月6日至2024年3月6日的房主保单（保单号：PCG 0061821440，以下简称「本保单」）。本保单就位于 781 Fifth Avenue, 18th Floor, New York, New York 10022 的单元提供特定保险保障。正如我们此前同样告知的那样，AIG 目前正在严格保留权利的前提下，对发生在纽约州纽约市第五大道781号的火灾展开调查。\n\n关于权利保留，我们指出，本保单的财产险保障不承保由被保险人「出于造成损失或损害之故意」实施的、「任何由合理之人可预见其后果的行为所造成的任何损失」。本保单的财产险保障亦不承保「由 [Genever] 或任何家庭成员实施或指使的任何不诚实或犯罪行为所造成的任何损失」。本保单的责任险保障亦不就 Genever 可能因「任何人士实施的任何犯罪、故意、蓄意或恶意作为或不作为所导致的人身伤害或财产损害」，或「针对旨在导致或合理之人预期会导致财产损害或人身伤害的任何人士的作为或不作为所提起的索赔」而承担的任何责任向其进行赔偿。\n\n在 AIG 仍在调查相关索赔是否属于本保单承保范围期间，本保单并未赋予 AIG 进行维修或承担索赔维修费用的义务。实际上，本保单明确将该义务置于 Genever 身上。正如本保单所规定：\n\n出险后您的职责\n\n若发生可能涉及本保单的事件，或者若您或本保单项下的任何其他被保险人因可能属于本保单承保范围的事件而被起诉，您或被保险人必须：\n\n- . . . .\n- 4. 保护财产免受进一步损害。若需要对财产进行维修，您必须：\n\t- a. 进行合理且必要的维修以保护财产；以及\n\t- b. 保存所有维修费用的准确记录。\n\t- . . . .\n\n虽然 AIG 聘请了 Westfair Restoration（西尔费尔修复公司）对电梯走廊及过道进行特定清洁，以保护和维护受保单元，并减轻对大楼或任何其他单元的潜在损害，但此举系在保留权利的前提下进行的，并未承诺进行任何额外的清理或修复。鉴于源自受保单元的火灾情况异常，AIG 目前不打算在维修或修复方面采取任何进一步行动。\n\n如前所述，AIG 对 Genever 理赔申请的调查仍在严格保留权利的前提下继续进行。AIG 不放弃并意图保留本保单及法律项下针对承保范围的所有潜在抗辩权，且我们在本函中对某些除外责任的援引，并不构成放弃本保单中可能影响 Genever 获得保险保障权利的其他条款（包括其他除外责任）。\n\n此致，\n\nWADE CLARK MULCAHY LLP（韦德克拉克穆尔卡希律师事务所） /签名/ Michael A. Bono（迈克尔·A·博诺）\n\n2023年4月17日 第3页\n\n抄送：Sherry Millman（雪莉·米尔曼）律师 [smillman@stroock.com]\n\nAudi Mincey（奥迪·明西），Wolfson Ins. Brokerage Inc.（沃尔夫森保险经纪公司） [amincey@globalcoverage.com]\n\nGenever Holdings LLC，转交 Max Krasner（马克斯·克拉斯纳） [propertymanagement77@proton.me]\n\nCara DiGiovanna（卡拉·迪乔瓦纳） [Cara.Digiovanna@aig.com]","key_entities":["Despins","Luc Despins","Paul Hastings"],"ecf_references":[],"word_count":611,"status":"published","published_at":"2023-05-12 00:00:00","created_at":"2023-05-12","updated_at":"2026-08-23 12:24:30"}