but rather the acts combined constitute one occurrence for each party injured, ie., a separate occurrence for each plaintiff. 2. The Date on Which Property Damage Occurred The Liberty policies do not require that both the occurrence and the property damage fall within the coverage period of the insurance contract; rather, only that the property damage itself must occur within the coverage period. See, e.g., Oxner v. Montgomery, 794 So.2d 86, 92-93 (La.App.2001) (finding that coverage under an insurance policy is triggered when the damage manifests itself and not when the negligent act that caused the damage occurred). In considering when the property damage occurred, Louisiana courts have held, in similar cases, that a manifestation theory is applicable. See, e.g., id. at 93 (<HOLDING>); Audubon Trace Condo. Ass’n, Inc. v.
holding that termite damage does not fall within the meaning of property damage in the policy because the alleged misrepresentations did not cause the damage the termites did holding that damage to realty was not excluded from coverage if such damage resulted from subsidence caused by something other than soil condition despite homeowners experts description of the damage as settling holding that property damage occurred when condominium owners received architects report detailing damage not during the four years of construction of the condos holding that a similar exclusion denies coverage for property damage to the particular part of the real property that is the subject of the insureds work at the time of the damage if the damage arises out of those operations holding that property damage occurred when homeowners noticed damage not when house was improperly constructed