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Expert Analysis

Surprise NC COVID Ruling Revises Reasonable Expectations

By Alexander Davis and David Brown ( January 9, 2025, 4:49 PM EST) -- On Dec. 13, the North Carolina Supreme Court issued a surprise opinion, in North State Deli LLC v. Cincinnati Insurance Co., reversing a unanimous North Carolina Court of Appeals decision holding that COVID-19 governmental shutdown orders did not constitute "direct physical loss" to policyholder property, as there was no physical harm to the property itself.[1]...

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