Patrick Plumbing has purchased his standard CGL policy from the same company since 2 0 2 2 , with a policy period running from January 1 to December 3 1 of each year On December 5 , 2 0 2 4 , a former client notifies Patrick Plumbing of a defect in a sprinkler system that Patrick installed earlier that year It caused the sprinkler system to burst in November 2 0 2 4 , resulting in extensive damage Patrick immediately notifies his CGL insurer of the potential claim, and is served with a suit for damages in April 2 0 2 5 Which of the following accurately reflects the coverage Patrick may have for this claim under his 2 0 2 4 and 2 0 2 5 CGL policies, all of which have an occurrence trigger a The claim triggers both the 2 0 2 4 and the 2 0 2 5 CGL policies b The 2 0 2 5 CGL policy is triggered by this claim but the 2 0 2 4 policy is not triggered c The 2 0 2 4 CGL policy is triggered by this claim but the 2 0 2 5 policy is not triggered d The claim triggers neither the 2 0 2 4 nor the 2 0 2 5 CGL policy

Question

Patrick Plumbing has purchased his standard CGL policy from the same company since 2 0 2 2 , with a policy period running from January 1 to December 3 1 of each year  On December 5 , 2 0 2 4 , a former client notifies Patrick Plumbing of a defect in a sprinkler system that Patrick installed earlier that year  It caused the sprinkler system to burst in November 2 0 2 4 , resulting in extensive damage  Patrick immediately notifies his CGL insurer of the potential claim, and is served with a suit for damages in April 2 0 2 5   Which of the following accurately reflects the coverage Patrick may have for this claim under his 2 0 2 4 and 2 0 2 5 CGL policies, all of which have an occurrence trigger  a   The claim triggers both the 2 0 2 4 and the 2 0 2 5 CGL policies  b   The 2 0 2 5 CGL policy is triggered by this claim but the 2 0 2 4 policy is not triggered  c   The 2 0 2 4 CGL policy is triggered by this claim but the 2 0 2 5 policy is not triggered  d   The claim triggers neither the 2 0 2 4 nor the 2 0 2 5 CGL policy

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Patrick Plumbing has purchased his standard CGL policy from the same company since 2 0 2 2 , with a policy period running from January

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