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Page 480 DEFENSE COUNSEL JOURNAL–October 2012APPENDIX ISTATE BY STATE INDEXAlabama: Town and Country Prop., LLCv. Amerisure Ins. Co., No. 1100009, 2011WL 5009777 (Ala. Oct. 21, 2011).Occurrence? Yes. Defectiveconstruction can be an “occurrence”if it subjects personal property orother parts of the structure to“continuous or repeated exposure” toharmful conditions resulting indamage.Insured’s work covered? No. Thebusiness risk exclusions precludecoverage for the repair of theinsured’s defective product. Onlydamage to “other property” iscovered.Alaska: Fejes v. Alaska Ins. Co., Inc.,984 P.2d 519 (Alaska 1999).Occurrence? Yes. Defectiveconstruction can be an “occurrence”where the insured did not expect orintend the result of the defectiveconstruction.Insured’s work covered? Yes, ifperformed by a subcontractor. No, ifperformed by the insured.Arizona: United States Fidelity &Guaranty Corp. v. Advance Roofing &Supply Co., Inc., 788 P.2d 1227 (Ariz. Ct.App. 1989).Occurrence? No.Insured’s work covered? No.Arkansas: Lexicon v. ACE American Ins.Co., 634 F.3d 423 (8th Cir . 2010).Occurrence? Damage to work itselfis not occurrence while collateraldamage caused by faulty work is anoccurrence.Insured’s work covered? No.Defective workmanship standingalone is not an occurrence. 35California: Standard Fire Ins. Co. v.Spectrum Community Ass’n, 46Cal.Rptr.3d 804 (Cal. Ct. App. 2006).Occurrence? Yes, implicitly.California courts seem to haveglossed over this question. There area number of opinions like StandardFire that address the question ofwhether a defect which occurs overtime triggers multiple policies.However, none of the decisionsactually addresses the threshold issueof whether such defects constitute an“occurrence” in the first instance.Insured’s work covered? Yes,implicitly, based upon the samerationale.Colorado: General Security IndemnityCo. of Arizona v. Mountain States Mut.Casualty Co., 205 P.2d 529 (Colo. Ct.App. 2009).35 Essex Ins. Co. v. Holder, 261 S.W.2d 456(Ark. 2008).
Raising the Roof Page 481Occurrence? No. Defectiveconstruction lacks the fortuityimplicit in the concept of an accident.Insured’s work covered? No.Connecticut: Travelers Prop. CasualtyCo. of Am. v. Laticrete, Int’l, Inc.,CV044002006S, 2006 WL 2349079(Conn. Super. Ct. July 27, 2006).Occurrence? Yes, implicitly. Likethe California court in Standard Fire,the court glossed over the initial“occurrence” analysis and analyzedwhen property damage occurred fortrigger purposes.Insured’s work covered? Yes,implicitly.Delaware: Charles E. Brohawn & Bros,Inc. v. Employers Commercial Union Ins.Co., 409 A.2d 1055 (Del. 1979).Occurrence? Yes, implicitly. Thecourt assumed that defectiveconstruction constituted propertydamage caused by an occurrence anddecided the case based upon the“sistership” exclusion.Insured’s work covered? Possibly,depending upon the applicability of a“sistership” or other exclusion.Florida: United States Fire Ins. Co. v.J.S.U.B., Inc., 979 So.2d 871 (Fla. 2007).Occurrence? Yes. Defective workperformed by a subcontractor wasnot expected or intended by thegeneral contractor and is therefore an“accident.”Insured’s work covered? Yes, if thework was performed by asubcontractor. No, if it wasperformed by the insured. However,damage to work other than theinsured’s work is covered regardless.Georgia: American Empire Surplus LineIns. Co. v. Hathaway Development Co.,Inc., 707 S.E.2d 369 (Ga. 2011).Occurrence? Yes. Faultyworkmanship causing damage toneighboring property constitutes anaccident.Insured’s work covered? No. 36Hawaii: Group Builders, Inc. v. AdmiralIns. Co., 231 P.3d 67 (Haw. Ct. App.2010).Occurrence? No. Whether couchedas contractual or tort-based claims,claims of defective construction donot constitute an “occurrence.”Insured’s work covered? No.Idaho: Undecided.Illinois: Country Mutual Ins. Co. v. Carr,867 N.E.2d 1157 (Ill. Ct. App. 2007).Occurrence? Yes. If the insured didnot intend or expect damage to result36 See Custom Planning & Development v.American National Fire Ins. Co., 606 S.E.2d39 (Ga. 2004).
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