ÿWPC¦ 1#†¾UND %’ 0(˜bÀ4ÈÜ Bë 0J 0TR 0^¦ 0hwl 0r‚ 0Dô 0|8 0†´Æ: 0 1u AO 0DT U,˜ 0dÄ U,( 0@T U>” D3Ò B) D/. DC] B  AM½ U* e4  5 v~UvÓÓ˜IBM Laser Printer 4019IBM4019ÈÈ,,,,ÈÈ0®ØP o5n ¿;b BP(ÖÃ9 Z ‹6Times New Roman RegularX($¡¡- ù-1# ,PhœDD3|x’ d2 ÿÿ0Indent1Ô2ÔÔ3  Ô2" ÿÿ0Indent2à0 àÔ2ÔÔ3  Ô2, ÿÿ0Indent3à0 àà0 àÔ2ÔÔ3  Ô26 ÿÿ0Indent4à0 àà0 àà0 àÔ2ÔÔ3  Ô  2@ ÿÿ0Indent5à0 àà0 àà0 àà0 àÔ2ÔÔ3  Ô(3¯$¢¢Ý ƒ!ÝÝ  Ý2J ÿÿ0Indent6à0 àà0 àà0 àà0 àà0 àÔ2ÔÔ3  Ô2T ÿÿ0Indent7à0 àà0 àà0 àà0 àà0 àà0 àÔ2ÔÔ3  ÔƒLevel 1Level 2Level 3Level 4Level 52^ ÿÿ0Indent8à0 àà0 àà0 àà0 àà0 àà0 àà0 àÔ2ÔÔ3  Ô  ÿÿ?AGMSYaioIndent0I.A.1.a.(1)(a)i)a)$(Cþÿ<< Cÿÿ($$””ò òÚ  Ú1Ú  Úó ó< Œ 9p`(ModernP ÿÿ8Mac DefaultMac DefaultÓ ` °šXÓ< Œ 9p`(Monaco("ÿÿ$££Ò  ÒÒ  Ò< Œ 9p`(&Times New Roman'ÿÿdxd% Line 7 d**'÷ÿ dxd''''7Border 1ddüÿP Pd$)Cþÿ << Gÿÿ< Œ 9p`(Arial Ý ƒ!ÝÑ  ÑÑ#€d#ÑÔ€ÔÔ€%ÔÝ  ÝÝ ƒ"ÝÝ  Ýò òÔ€%ÔÓ  ÓÔ€,ÔÔ eee ÔFILEDÔ€,XÔó óÌò òÔ€,¼ÔÔ"USú ú, úÔÔ ƒ- ÔÔ!  Ôó óÔ€,XÔÌÌò òCecil€Crowson,€Jr.Ô€%Ôó óÔ  ÔÌÔ€%ÂÔÔ€,ÔÔ eee Ôò òAppellate€Court€Clerkó óÔ  ÔÔ€%ÔÔ€%XÔPtPtHHÚ(ÿáÿâùFG(üHHÚ(d'@Styl{WP}01•ÃÃÃÃÃÃÃÃÃÃÃÃÃÃÃÃÃÃà Ãà Ãà Ãà Ãà ÃÃÃÃÃÃÃÃÃÃÃÐ ÐÐHHÐÐ  ÐÐ2ÐÐÿÿ¸æ$ÿÐÐHHÐÐÐÐÐÐÐÐ  ÐÐ ÐÐ ÐÑÑÑGenevaÑÑ ÑÑ € ÑÑ<Px–ÈÑÒÒÒ443!#4ÒÒ$ *$ÒÒ$*$ÒÒ ÿKK ÒÒ  Geneva ÒÒ  Geneva ÒÓ.,ÓÓÓÓ6ÓÓ ÓßßßßßßßßßßßßßßßßßßÑMonacoÑÑ ÑÒ  BA: T Monaco ÒÒ  BA: T Monaco ÒÝ ƒ!ÝÔ . ÔÔ€ÔÓ&€##X„d&ÓÑ#€##Xd#ÑÔ€%ÔÝ  ÝÒ  ÒÒ „ ÒÑ  ÑÑ\R AØ'\ÑÑ€ÑÑ7€¶#XXdìdÈ7ÑÑ  ÑÑ  ÑÙ€ÙßL€+.);+'h|â `€€LßA.€J.€HALL,€INC.,à àà àà àà à)Ìà àà àà àà àà àà à)Ìà àPlaintiff/Appellant,à àà àà à)Ìà àà àà àà àà àà à)à àWilson€ChanceryÌà àà àà àà àà àà à)à àNo.€€8981ÌVS.à àà àà àà àà àà à)Ìà àà àà àà àà àà à)à àAppeal€No.Ìà àà àà àà àà àà à)à à01„A„01„9508„CH„00369ÌFEDERATED€MUTUAL€INSURANCEà à)ÌCOMPANY,à àà àà àà àà à)Ìà àà àà àà àà àà à)Ìà àDefendant/Appellee.à àà àà à)ÌÌÌà@ àIN€THE€COURT€OF€APPEALS€OF€TENNESSEEÌà@ àMIDDLE€SECTION€AT€NASHVILLEÌÌÌà@ àAPPEAL€FROM€THE€CHANCERY€COURT€OF€WILSON€COUNTYÌà@ àAT€LEBANON,€TENNESSEEÌÌÌà@ àHONORABLE€C.€K.€SMITH,€CHANCELLORÌÌÌJohn€Thomas€FeeneyÌGina€L.€ZylstraÌLEITNER,€WARNER,€MOFFITT,€WILLIAMSÌ€€DOOLEY,€CARPENTER€&€NAPOLITANÌSuite€2300€First€American€CenterÌ315€Deaderick€StreetÌNashville,€Tennessee€€37238ÌATTORNEYS€FOR€PLAINTIFF/APPELLANTÌÌÌLaura€J.€HansonÌRobert€L.€GraffÌMEAGHER€&€GEERÌ4200€Multifoods€TowerÌ33€South€Sixth€StreetÌMinneapolis,€Minnesota€€55402ÌÌPamela€KingÌNEAL€&€HARWELLÌ2000€Dominion€TowerÌ150€Fourth€Avenue,€NorthÌNashville,€Tennessee€€37219„2498ÌATTORNEYS€FOR€DEFENDANT/APPELLEEÌÌAFFIRMED€AND€REMANDEDÌÌà àà àà àà àà àHENRY€F.€TODDÌà àà àà àà àà àPRESIDING€JUDGE,€MIDDLE€SECTIONÌCONCUR:ÌSAMUEL€L.€LEWIS,€JUDGEÌBEN€H.€CANTRELL,€JUDGEÇA.€J.€HALL,€INC.,à àà àà àà à)Ìà àà àà àà àà àà à)Ìà àPlaintiff/Appellant,à àà àà à)Ìà àà àà àà àà àà à)à àWilson€ChanceryÌà àà àà àà àà àà à)à àNo.€€8981ÌVS.à àà àà àà àà àà à)Ìà àà àà àà àà àà à)à àAppeal€No.Ìà àà àà àà àà àà à)à à01„A„01„9508„CH„00369ÌFEDERATED€MUTUAL€INSURANCEà à)ÌCOMPANY,à àà àà àà àà à)Ìà àà àà àà àà àà à)Ìà àDefendant/Appellee.à àà àà à)ÌÌÌà@ àòòO€P€I€N€I€O€NóóÌÌÌÓÓà àThe€plaintiff,€A.€J.€Hall,€Inc.,€has€appealed€from€the€summary€dismissal€of€a€part€of€itsÏsuit€against€the€defendant,€Federated€Mutual€Insurance€Company.€€The€Trial€Court€expresslyÏdirected€the€entry€of€final€partial€judgment€as€permitted€by€T.R.C.P.€Rule€54.02.ÌÌà àPlaintiff€is€a€distributor€of€petroleum€products€and€owner€of€a€service€station€where€itsÏproducts€are€stored€and€sold€at€retail.ÌÌà àDefendant€issued€to€plaintiff€a€policy€of€insurance€upon€the€service€station€for€theÏperiod€April€22,€1987,€through€April€22,€1988.€€The€policy€included€certain€pollution€coverageÏwhich€will€be€detailed€later.ÌÌà àOn€September€15,€1987,€plaintiff€was€notified€by€Tennessee€Department€of€Health€andÏEnvironment€of€a€possible€leak€in€the€facilities€of€the€service€station,€and€of€the€statutoryÏobligation€of€plaintiff€to€investigate€the€matter€and€take€appropriate€action.ÌÌà àThe€notice€was€conveyed€to€defendant€which€determined€that€a€"pollution€incident"€hadÏoccurred€during€the€term€of€the€policy€and€that€defendant€would€perform€its€obligation€underÏ"Insuring€Agreement€2"€of€the€policy€which€provided:ÌÓÓà8 àà8 à2.€€Insuring€Agreement€„€Reimbursement€of€Mandated€Off„SiteÏ"Clean„Up"€Costs:"ÌÌà8 àà8 àa.à8 àWe€will€pay€for€"clean„up€costs"€that€the€insuredÏbecomes€legally€obligated€to€pay€because€ofÏ"environmental€damage"€to€which€this€insuranceÏapplies.€€The€amount€we€will€pay€for€suchÏ"clean„up€costs"€is€limited€as€described€in€SectionÏIII€„€Limits€of€Insurance.ÌÌà8 àà8 àb.à8 àThis€insurance€applies€only€to€"environmentalÏdamage"€caused€by€a€"pollution€incident"€thatÏcommences€on€or€after€the€Retroactive€DateÏshown€in€the€Declarations.€€The€"pollutionÏincident"€must€be€from€an€"insured€site"€orÏ"waste€facility"€in€the€"coverage€territory."ÌÌà8 àà8 àà8 àThe€insured's€obligation€to€pay€"clean„up€costs"Ïbecause€of€the"environmental€damage"€must€beÏasserted€under€statutory€authority€of€theÏgovernment€of€the€United€States€of€America,ÏCanada€or€any€political€subdivision€of€the€UnitedÏStates€or€Canada.€€Notice€asserting€suchÏobligation€must€be€first€received€by€you€duringÏthe€policy€period.ÌÌà8 àà8 àà8 àWe€have€the€right€but€not€the€duty€to€investigate,Ïsettle,€contest€or€appeal,€at€our€expense,€anyÏobligation€asserted€against€an€insured€to€payÏ"clean„up€costs."ÌÌà8 àà8 à.€.€.€.ÌÌà8 àà8 à3.€€"Clean„up€costs"€means€expenses€for€the€removal€or€Ïneutralization€of€contaminants,€irritants€or€pollutants.à8 àÌÌà8 àà8 à€.€.€.€.ÌÌà8 àà8 à12.€€"Suit"€means€civil€proceeding€in€which€damages€because€ofÏ"bodily€injury"€or€"property€damage"€to€which€this€insuranceÏapplies€are€alleged.€€"Suit"€includes€an€arbitration€proceedingÍalleging€such€damages€to€which€you€must€submit€or€submit€withÏour€consent.ÌÌÌÓÓà àUpon€receipt€of€said€notice,€defendant€engaged€Delta€Environmental€Consultants,€Inc.,Ï(hereafter€"Delta")€to€investigate€the€allegation€of€pollution.€€Delta€reported€that€a€leakage€hadÏoccurred€in€plaintiff's€facilities€and€proposed€a€plan€to€"alleviate€the€contamination"€which€wasÏaccepted€and€authorized€by€defendant.€€Defendant€notified€plaintiff€that€it€had€"assumed€theÏhandling€of€the€pollution€clean„up€at€the€site."ÌÌà àThe€"clean„up"€proceeded€by€Delta€at€the€expense€of€defendant€until€March€6,€1992,Ïwhen€defendant€notified€plaintiff€that€it€would€no€longer€furnish€the€"clean€up,"€but€wouldÏassume€the€expense€of€continuation€under€the€direction€of€plaintiff.€€Defendant€explained€thisÏchange€by€a€fear€that,€under€environmental€law,€defendant€might€incur€liability€in€excess€of€itsÏcontractual€policy€obligations€by€assuming€control€of€the€polluted€premises.ÌÌà àOn€March€3,€1993,€plaintiffs€filed€their€first€complaint€in€the€present€suit€in€which€theÏforegoing€facts€were€stated€and€the€following€relief€was€demanded:ÌÓÓà8 àà8 à€€2.€€That€Federated€be€required€to€complete€the€contaminationÏremediation€at€the€site€of€Gregory's€Exxon€and€that€the€total€costÏof€remediation,€inclusive€of€any€local,€state€or€federal€penaltiesÏwhich€have€been€incurred€or€will€be€incurred,€be€borne€entirelyÏby€Federated,€and€that€this€Court€issue€a€mandatory€injunctionÏrequiring€Federated€to€undertake€all€necessary€steps€to€completeÏthe€remediation€without€further€delay;ÌÌà8 àà8 à€€3.€€In€the€alternative,€that€this€Court€enter€a€judgment€in€favorÏof€Hall€for€Hall's€total€damages€sustained€as€a€result€of€theÏtortious€and€unlawful€conduct€of€Federated€in€an€amountÏestablished€at€trial;ÌÌà8 àà8 à€€4.€€That€this€Court€find€the€award€of€punitive€damagesÏappropriate€as€the€result€of€Federated's€bad€faith€refusal€toÏcomplete€the€remediation,€in€an€amount€to€be€determined€at€trial.ÌÌÌÓÓà àDefendant€answered,€admitting€issuance€of€€a€"commercial€package€policy€of€insuranceÏwhich€was€effective€from€April€22,€1987,€to€April€22,€1988,€and€which€contained€a€separateÏpollution€liability€coverage€part,"€furnishing€coverage€of€$1,000,000€with€a€$10,000Ïdeductible.€€The€answer€also€admitted€liability€for€expense€of€"clean€up"€within€the€policyÏlimits,€but€denied€an€obligation€to€actually€perform€the€"clean€up."ÌÌà àOn€August€5,€1994,€plaintiff€filed€its€"First€Amended€Complaint"€asserting€that€ownersÏof€an€adjoining€tract€had€filed€suit€against€plaintiffs€for€property€damage€resulting€from€the€leakÏon€plaintiff's€premises,€that€defendant€was€obligated€to€defend€said€suit€and€had€failed€andÏrefused€to€do€so.ÌÌà àDefendant€responded€that€plaintiff's€"Commercial€Package€Policy"€in€effect€from€AprilÏ22,€1987,€to€April€22,€1988,€did€not€obligate€defendant€to€defend€the€suit€of€the€adjoiningÏproperty€owners.ÌÌà àOn€September€10,€1994,€the€Trial€Court€entered€an€eight€page€opinion€and€orderÏconcluding€as€follows:ÌÓÓà8 àà8 à€€For€the€reasons€set€forth€above,€Federated's€motion€forÏsummary€judgment€that€it€has€no€obligation€under€the€policy€atÏissue€to€provide€"claim€handling€services"€to€the€insured€or,Ïprovide€coverage€in€excess€of€its€policy€limits€is€hereby€granted.ÌÌà8 àà8 à€€Judgment€shall,€therefore,€be€entered€in€favor€of€defendant,ÏFederal€Mutual€Insurance€Company€and€against€plaintiff,€A.€J.ÏHall,€Inc.€with€respect€to€the€entirety€of€plaintiff's€originalÏcomplaint.€€This€order€does€not€dismiss€any€of€the€allegationsÏand€demands€of€the€first€amended€complaint€filed€8/5/94.ÌÌà8 àà8 à€€There€being€no€just€reason€for€delay,€let€judgment€be€enteredÏaccordingly.ÌÌÌÓÓà àOn€February€1,€1995,€defendant€moved€to€dismiss€the€first€amended€complaint€forÏfailure€to€state€a€claim€for€which€relief€can€be€granted.€€Affidavits€were€filed€in€support€of€saidÏmotion€which€renders€it€a€motion€for€summary€judgment.ÌÌà àOn€April€6,€1995,€plaintiff€filed€a€"Motion€to€Amend€or€Make€Additional€Findings€ofÏFact€and€to€Alter€and€Amend€the€Judgment."ÌÌà àOn€April€1,€1995,€the€Trial€Court€entered€an€order€containing€the€following:ÌÓÓà8 àà8 à€€The€above„entitled€matter€came€on€hearing€before€theÏHonorable€C.€K.€Smith€on€March€6,€1995€upon€defendantÏFederated€Mutual€Insurance€Company's€("Federated")€summaryÏjudgment€motion€to€dismiss€plaintiff's€A.€J.€Hall,€Inc.'s€("A.€J.ÏHall,"€"insured"€or€"plaintiff")€first€amended€complaint€pursuantÏto€Rule€56.03€of€the€Tennessee€Rules€of€Civil€Procedure.€€.€.€.€ÌÌÓÓà8 àà8 à€€.€.€.€.ÌÓÓà8 àà8 à€€For€the€reasons€set€forth€above,€Federated's€motion€forÏsummary€judgment€that€it€has€no€obligation€under€the€policy€toÏprovide€a€defense€or€indemnity€to€A.€J.€Hall€with€respect€to€theÏòòBellóó€suit€is€hereby€granted.ÌÌà8 àà8 à€€Judgment€shall,€therefore,€be€entered€in€favor€of€defendantÏFederated€Mutual€Insurance€Company€and€against€plaintiff€A.€J.ÏHall,€€Inc.€with€respect€to€the€amended€complaint.€€Plaintiff'sÏcomplaint€is€thus€dismissed€in€its€entirety€and€the€Court€declaresÏthat€Federated€Mutual€Insurance€Company€has€no€obligation€toÏprovide€insurance€coverage€to€A.€J.€Hall€for€the€òòBell€óósuit.ÌÌÌÓÓà àOn€May€23,€1995,€defendant€filed€a€response€to€plaintiff's€April€6,€1995,€motion.ÌÌà àOn€June€20,€1995,€the€Trial€Court€overruled€plaintiff's€April€6,€1995,€motion.ÌÌà àOn€July€11,€1995,€plaintiff€filed€notice€of€appeal€from€the€June€20,€1995,€order.ÌÌà àPlaintiff's€"Statement€of€the€Issues"€is€worded€as€follows:ÌÓÓà8 àà8 àA.€€The€pollution€liability€policy€issued€by€Federated€to€HallÏrequired€Federated€to€defend€and€indemnify€Hall€as€a€result€ofÏthe€òòBellóó€litigation.ÌÌà8 àà8 àB.€€Federated's€pollution€liability€policy€does€not€contain€aÏdefinition€of€the€term€"claim"€thereby€rendering€the€language€ofÏthe€policy€ambiguous.ÌÌà8 àà8 àC.€€Federated€has€failed€to€recognize€the€coverage€for€a€"suit"Ïunder€its€policy€of€insurance.ÌÌà8 àà8 àD.€€A€genuine€issue€of€material€fact€existed€as€to€whether€or€notÏHall€made€a€claim€under€its€policy€of€insurance€with€Federated.ÌÌÌÓÓà àThe€insurance€policy€issued€to€plaintiff€contained€three€separate€insuring€agreements.€ÏThe€original€complaint,€which€is€not€involved€in€this€appeal,€was€based€upon€InsuringÏAgreement€2,€quoted€above,€which€relates€to€cost€of€"clean€up"€of€the€polluted€area.ÌÌà àThe€agreement€to€defend€suits€by€third€parties€was€Agreement€1,€which€read€inÏpertinent€part€as€follows:ÌÓÓà8 à1.à8 àInsuring€Agreement€„€Bodily€Injury€and€Property€Damage.ÌÌà8 àà8 àa.à8 àWe€will€pay€those€sums€that€the€insured€becomesÏlegally€obligated€to€pay€as€compensatoryÏdamages€because€of€"bodily€injury"€or€"propertyÏdamage"€to€which€this€insurance€applies.€€WeÏwill€have€the€right€and€duty€to€defend€any€"suit"Ïseeking€those€damages.€€But:ÌÌà8 àà8 àà8 à(1)€€The€amount€we€will€pay€for€damages€isÏlimited€as€described€in€Section€III„Limits€ofÏInsurance:ÌÌà8 àà8 àà8 à(2)€€We€may€investigate€and€settle€any€claim€orÏ"suit"€at€our€discretion;€andÌÌà8 àà8 àà8 à(3)€€Our€right€and€duty€to€defend€end€when€weÏhave€used€up€the€applicable€limit€of€insurance€inÏthe€payment€of€judgments,€settlements€or€"clean„up€costs."ÌÌà8 àà8 àb.à8 àThis€insurance€applies€only€to€"bodily€injury"Ïand€"property€damage"€caused€by€a€"pollutionÏincident"€that€commences€on€or€after€theÏRetroactive€Date€[April€22,€1986]€shown€in€theÏDeclarations.€€The€"pollution€incident"€must€beÏfrom€an€"insured€site"€or€"waste€facility"€in€theÏ"coverage€territory."ÌÌà8 àà8 àà8 àThe€insured's€responsibility€to€pay€damagesÏbecause€of€the€"bodily€injury"€or€"propertyÏdamage"€must€be€determined€in€a€"suit"€on€theÏmerits€in€the€"coverage€territory"€or€in€aÏsettlement€we€agree€to.ÌÌà8 àà8 àc.à8 àòòThis€insurance€applies€to€"bodily€injury"€andÏ"property€damage"€only€if€a€claim€for€damagesÏbecause€of€the€"bodily€injury"€or€"propertyÏdamages"€is€first€made€in€writing€against€anyÏinsured€during€the€policy€period.óó€€[EmphasisÏsupplied.]ÌÌà8 àà8 àà8 à(1)€€A€claim€by€a€person€or€organization€seekingÏdamages€will€be€deemed€to€have€been€made€whenÏwritten€notice€of€such€claim€is€received€by€anyÏinsured€or€by€us,€whichever€comes€first.ÌÌà8 àà8 àà8 à(2)€€All€claims€for€damages€because€of€"bodilyÏinjury"€to€the€same€person,€including€damages,Ïclaimed€by€any€person€or€organization€for€care,Ïloss€of€service€or€death€resulting€at€any€time€fromÏthe€"bodily€injury"€will€be€deemed€to€have€beenÏmade€at€the€time€the€first€of€those€claims€is€madeÏagainst€any€insured.ÌÌà8 àà8 àà8 à(3)€€All€claims€for€damages€because€of€"propertyÏdamage"€causing€loss€to€the€same€person€orÏorganization€as€a€result€of€a€"pollution€incident"Ïwill€be€deemed€to€have€been€made€at€the€time€theÏfirst€of€those€claims€is€made€against€any€insured.ÌÌà8 àà8 àà8 à.€.€.€.ÌÌÓÓà àThe€policy€also€contains€the€following€provision:ÌÓÓà8 àà8 àNotice€of€a€"pollution€incident"€is€not€notice€of€a€claim.ÌÌÌÓÓà àDefendant€concedes€that€it€received€timely€notice€of€a€"pollution€incident"€and€that€it€isÏliable€for€the€expense€of€the€"clean€up"€of€the€pollution€within€the€monetary€limits€of€the€policy.€ÏAs€stated,€this€aspect€of€the€controversy€is€not€a€part€of€this€appeal.ÌÌà àDefendant€denies€that€it€is€obligated€to€defend€or€pay€the€claim€of€the€adjoining€propertyÏowners,€which€appears€to€be€for€incidental€damages€other€than€the€cost€of€"clean€up."€ÏDefendant's€ground€for€denying€liability€is€that€the€claim€of€the€adjoining€property€owners€wasÏnot:ÌÓÓà8 àà8 àmade€in€writing€during€the€policy€period€as€required€byÏparagraph€(a)€of€Insuring€Agreement€2€of€the€policy,€quotedÏabove.ÌÌÌÓÓà àIt€is€undisputed€that€no€claim€was€made€by€the€adjoining€property€owners€to€any€one€inÏany€form€during€the€policy€period,€April€22,€1987,€to€April€22,€1988.ÌÌà àNevertheless,€plaintiff€insists€that€notice€of€a€pollution€incident€was€notice€of€a€possibleÏclaim.€€Plaintiff€argues€that,€since€the€policy€contains€no€definition€of€the€word,€"claim,"€theÏpolicy€is€ambiguous,€and€thereby€admits€the€interpretation€that€a€report€of€need€for€clean€up€ofÏpollution€is€notice€to€the€insurer€that€adjoining€landowners€are€making€a€claim€for€incidentalÏdamages€in€addition€to€the€cost€of€clean€up.ÌÌà àThere€is€no€ambiguity€in€the€word,€"claim,"€when€examined€in€the€light€of€the€wholeÏinstrument€and€the€circumstances€of€the€case.€€òòBlue€Diamond€Coal€Co.€v.€Holland€AmericanÏInsurance€Co.,€óóTenn.€1984,€671€S.W.2d€829.ÌÌà àA€"claim€made"€is€not€the€fact€that€wrong„doing€has€occurred,€but€an€assertion€thatÏsome€discrete€amount€of€money€is€due.€€òòMGIC€Indemnity€Corp.€v.€Home€State€SavingsÏAssociation,€óó6th€Cir.€1986,€797€F.2d€285.ÌÌà àUnder€a€"claims€made"€policy€limitation,€an€untimely€claim€will€not€be€recognized€evenÏthough€the€cause€of€the€claim€occurred€during€the€policy€period.€€òòHoyt€v.€St.€Paul€Fire€&ÏMarine€Ins.€Co.,€óó9th€Cir.€1979,€607€F.2d€864;€òò€Atlas€Underwriters€Ltd.€v.€Meredith„Burda,ÏInc.,€óóVa.€1986,€343€S.E.2d€65;€òòLamberton€v.€Travellers€Indemnity€Co.,€óóDel.€Super.€1974,Ï247€A.2d€104.ÌÌà àIn€view€of€the€express€provision€of€the€policy,€quoted€above,€this€Court€cannot€agreeÏthat€notice€or€knowledge€of€a€"pollution€incident"€is€notice€that€adjoining€landowners€haveÏpresented€a€written€demand€for€incidental€damages.ÌÌà àPlaintiff€argues€that€the€pollution€of€the€adjoining€land€was€discovered€by€Delta,€theÏfirm€hired€by€defendant€to€investigate€the€nature€and€extent€of€the€pollution.€€Such€discoveryÏoccurred€after€the€expiration€of€the€policy.€€Even€if€the€discovery€occurred€during€the€term€ofÏthe€policy,€it€would€not€serve€as€written€notice€that€the€landowners€were€making€a€demand€forÏincidental€damages.ÌÌà àThe€policy€includes€two€separate€and€distinct€obligations:Ìà à1.€€Within€the€policy€limits,€the€insurer€is€obligated€to€pay€the€expense€of€clean„up€fromÏany€"pollution€incident"€which€occurs€during€the€policy€period€as€ordered€by€a€governmentalÏauthority.Ìà à2.€€Within€the€policy€limits,€the€insurer€is€obligated€to€defend€against€and€satisfy€òòonlyóóÏòòthose€claims€of€third€parties€which€are€presented€in€writing€to€the€insurer€or€insured€during€theÏpolicy€periodóó.ÌÌà àThe€obligation€of€the€first€insuring€agreement€(to€defend€and€satisfy€claims)€is€strictlyÏlimited€to€claims€presented€during€the€policy€period.€€It€does€not€cover€claims€presented€afterÏthe€policy€period,€even€though€the€basis€of€the€claims€occurred€during€the€policy€period.€€IfÏplaintiff€desired€full€protection€against€claims€of€others,€presented€after€expriation€of€the€policy,Ïit€was€necessary€for€it€to€demand€and€pay€for€full€coverage€or€to€obtain€other€insurance€toÏprotect€against€claims€made€after€the€expiration€of€the€policy.ÌÌà àPlaintiff€cites€òòWalker€v.€Larson,€óóMon.€1986,€727€P.2d€1321.€€That€case€involved€legalÏmalpractice€insurance€which€included€a€"claims€made"€provision€not€quoted€in€the€opinion€ofÏthe€Court€which€held€that€the€actions€of€the€claimant€were€sufficient€to€show€a€"claim€made"Ïduring€the€policy€period.€€In€the€present€case,€it€is€undisputed€that€the€adjoining€propertyÏowners€asserted€no€claim€in€any€form€to€any€one€until€after€the€expiration€of€the€policy€term.ÌÌà àPlaintiff€also€cites€òòJ.€G.€Link€&€Company€v.€Continental€Casualty€Company,ÏóóU.S.C.A.€9th€Cir.,€470€F.2d€1133€(1972)€which€involved€an€"errors€and€omissions€policy"€ofÏan€architect,€which€was€ambiguous€as€to€whether€it€was€a€"discovery€policy"€or€an€"occurrenceÍpolicy"€and€which€was€construed€most€favorably€to€the€policyholder.€€In€the€present€case,€noÏsuch€ambiguity€exists.ÌÌà àPlaintiff€also€argues€that€a€genuine€issue€exists€as€to€whether€plaintiffs€gave€timelyÏnotice€to€defendant€of€the€fact€that€the€adjoining€landowners€were€making€a€claim€of€incidentalÏdamages.€€As€theretofore€stated,€it€is€undisputed€that€no€claim€or€demand€was€made€to€plaintiffÏor€defendant€by€the€adjoining€landowners€within€the€policy€period.€€This€undisputed€fact€isÏfatal€to€any€claim€for€relief€under€Section€1€of€the€policy€which€is€the€subject€of€this€appeal.ÌÌà àNo€published€Tennessee€authority€is€found€on€the€subject€of€"claims€made"€provisionsÏin€liability€insurance€policies.€€However,€a€majority€of€decisions€from€other€jurisdictions€haveÏrecognized€and€enforced€such€provisions.€€òòSeeóó€òòKenefick€v.€Hitchcock,€óóWis.€App.€1994,€522ÏN.W.2d€261;€òòGraman€v.€Continental€Casualty€Co.,€óó87€Ill.€App.€3rd€896;€409€N.E.2d€387Ï(1980);€òòLivingston€Parrish€School€Board€v.€Firemen's€Fund€Am.€Ins.€Co.,€óóLa.€1973,€282ÏS.2d€478;€òòGereboff€v.€Home€Indemnity€Co.,€óó119€R.I.€814,€383€A.2d€1024€(1978);€òòRotweinÏv.€General€Acc.€Group,€óó103€N.J.€Super.€406,€247€A.2d€370€(1968).ÌÌà àThe€judgment€of€the€Trial€Court€is€affirmed.€€Costs€of€this€appeal€are€assessed€againstÏplaintiff.€€The€cause€is€remanded€to€the€Trial€Court€for€any€necessary€further€proceedings.ÌÌà àAffirmed€and€Remanded.Ìà àà àÌÓÓà àà àà àà àà àà à_______________________________________Ìà àà àà àà àà àà àHENRY€F.€TODDÌà àà àà àà àà àà àPRESIDING€JUDGE,€MIDDLE€SECTIONÌÌÌÌCONCUR:ÌÌÌ_____________________________________ÌSAMUEL€L.€LEWIS,€JUDGEÌÌÌ_____________________________________ÌBEN€H.€CANTRELL,€JUDGE