With the state’s abundance of older buildings and housing structures, many Maryland residents have suffered from exposure to lead-based paint. Some Maryland lead paint victims have pursued a negligence claim against their landlords and property owners to recover compensation for their injuries. A December 18, 2017 decision by the Court of Appeals of Maryland is relevant to consider when bringing a claim arising out of lead exposure, particularly against out-of-state insurance companies and property owners.
The matter was brought before the Maryland court by the U.S. District Court, before which was pending a lead paint case. The District Court sought an answer to the question of whether the pollution exclusion contained in the defendant’s Georgia insurance policy, which excluded coverage for bodily injuries resulting from the ingestion of lead-based paint, violated Maryland public policy.
The plaintiffs in the case had been exposed to lead-based paint at a property owned by the defendant in Maryland. The plaintiffs brought suit against the defendant and the defendant’s insurance company, claiming that the insurance company was obligated to indemnify the defendant. The insurance company contended that it was under no such obligation, since the defendant’s general liability insurance policy, which was purchased in Georgia, did not cover injuries resulting from pollutants such as lead-based paint. The plaintiffs argued that the exclusion, although valid under Georgia law, was against Maryland’s public policy and could not be enforced in the state.