{"id":102,"date":"2011-11-03T13:49:17","date_gmt":"2011-11-03T19:49:17","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=102"},"modified":"2011-11-03T13:49:17","modified_gmt":"2011-11-03T19:49:17","slug":"alabama-supreme-court-addresses-coverage-for-faulty-workmanship-lexology","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/alabama-supreme-court-addresses-coverage-for-faulty-workmanship-lexology\/","title":{"rendered":"Alabama Supreme Court addresses coverage for faulty workmanship &#8211; Lexology"},"content":{"rendered":"<ul id=\"article-attributes\" class=\"ui-helper-clearfix\" style=\"margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 0px; border-style: initial; border-color: initial; font-size: 12px; font-family: Arial, Helvetica, clean, sans-serif; vertical-align: baseline; list-style-image: none; list-style-position: initial; list-style-type: none; position: relative; color: #3e3d40; line-height: 15px; border-width: 0px; padding: 0px;\">\n<li class=\"contributor\" style=\"border-style: initial; border-color: initial; font-style: inherit; font-family: inherit; vertical-align: baseline; color: #878889; max-width: 60%; border-width: 0px; padding: 0px; margin: 0px;\"><a style=\"border-style: initial; border-color: initial; font-weight: bold; font-style: inherit; font-family: inherit; vertical-align: baseline; color: #aea400; border-width: 0px; padding: 0px; margin: 0px;\" href=\"http:\/\/www.lexology.com\/firms\/detail.aspx?f=1073927\">Traub Lieberman Straus &amp; Shrewsberry LLP<\/a><\/li>\n<li class=\"byline\" style=\"border-style: initial; border-color: initial; font-style: inherit; font-family: inherit; vertical-align: baseline; color: #aea400; max-width: 60%; border-width: 0px; padding: 0px; margin: 0px;\"><a class=\"logclick ct_auth2\" style=\"border-style: initial; border-color: initial; font-weight: bold; font-style: inherit; font-family: inherit; vertical-align: baseline; color: #aea400; text-decoration: none; border-width: 0px; padding: 0px; margin: 0px;\" href=\"http:\/\/www.lexology.com\/1073927\/author\/Brian_Margolies\/\">Brian Margolies<\/a><\/li>\n<li class=\"article-jurisdictions\" style=\"margin-top: 1em; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; border-style: initial; border-color: initial; font-weight: bold; font-style: inherit; font-family: inherit; vertical-align: baseline; color: #878889; max-width: 60%; border-width: 0px; padding: 0px;\">USA<\/li>\n<li class=\"publication\" style=\"border-style: initial; border-color: initial; font-style: inherit; font-family: inherit; vertical-align: baseline; color: #878889; max-width: 60%; border-width: 0px; padding: 0px; margin: 0px;\">October 25 2011<\/li>\n<\/ul>\n<p>In its recent decision Town &amp; Country Prop., L.L.C. v. Amerisure Ins. Co., 2011 Ala. LEXIS 183 (Ala. Oct. 21, 2011), the Supreme Court of Alabama had occasion to consider whether an underlying suit for defective workmanship triggered coverage under a general liability policy.<\/p>\n<p>The insured, a general contractor, had been hired to construct an automobile sales and service facility.\u00a0 Shortly after completion of the project, the project owner discovered several defects.\u00a0 Frustrated by the insured\u2019s subsequent inability to repair the defects, the owner commenced suit, alleging various causes of action based on theories of tort and breach of contract.\u00a0 Amerisure provided a defense to its insured under a reservation of rights.\u00a0 The matter ultimately resulted in a judgment against the insured for approximately $650,000.\u00a0 Shortly after judgment was rendered, Amerisure denied a liability to indemnify its insured on the basis that the suit did not allege an occurrence, and that even if it did, the policy\u2019s exclusion applicable to property damage to \u201cyour work\u201d barred coverage.\u00a0 Plaintiffs in the underlying matter, standing in the shoes of the insured, contended that the allegations of faulty workmanship constituted an occurrence and that the exclusion was inapplicable because the property damage alleged was caused by the insured\u2019s subcontractors rather than by work actually performed by the insured.<\/p>\n<p>The Court looked to its two prior decisions on the issue of what constitutes an occurrence in the context of faulty workmanship claims.\u00a0 In United States Fid. &amp; Guar. Co. v. Warwick Dev. Co., 446 So. 2d 1021 (Ala. 1984), the Court had held that an underlying claim did not allege an occurrence where the damage alleged was limited solely to faulty workmanship.\u00a0 By contrast, in Moss v. Champion Ins. Co., 442 So. 2d 26 (Ala. 1983), the Court found an occurrence where the insured\u2019s failure to properly construct a roof allowed for water intrusion to the plaintiff\u2019s home, causing damage to plaintiff\u2019s attic and ceilings.\u00a0 The Court harmonized these two decisions by explaining that \u201cfaulty workmanship itself is not an occurrence but that faulty workmanship may lead to an occurrence if it subjects personal property or other parts of the structure to &#8220;continuous or repeated exposure&#8221; to some other &#8220;general harmful condition&#8221; (e.g., the rain in Moss) and, as a result of that exposure, personal property or other parts of the structure are damaged.\u201d<\/p>\n<p>The Court therefore held that to the extent that the underlying suit was limited to allegations of faulty workmanship, there could be no occurrence.\u00a0 It nevertheless remanded the matter for further findings to determine whether the plaintiffs experienced any subsequent property damage, such as resulting damage to computers or furnishings.\u00a0 In passing, the Court noted that if plaintiff did experience such property damage, it would necessarily follow that such damage was caused by an occurrence, and that the policy\u2019s \u201cyour work\u201d exclusion would not apply because of the exception applicable to work performed by subcontractors.<\/p>\n<p>via <a href=\"http:\/\/www.lexology.com\/library\/detail.aspx?g=5346808e-fe69-4d55-8f57-6cedd5e601cb&amp;utm_source=Lexology+Daily+Newsfeed&amp;utm_medium=HTML+email+-+Body+-+Other+states+section&amp;utm_campaign=Lexology+subscriber+daily+feed&amp;utm_content=Lexology+Daily+Newsfeed+2011-11-03&amp;utm_term=\">Alabama Supreme Court addresses coverage for faulty workmanship &#8211; Lexology<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Traub Lieberman Straus &amp; Shrewsberry LLP Brian Margolies USA October 25 2011 In its recent decision Town &amp; Country Prop., L.L.C. v. Amerisure Ins. Co., 2011 Ala. LEXIS 183 (Ala. Oct. 21, 2011), the Supreme Court of Alabama had occasion to consider whether an underlying suit for defective workmanship triggered coverage under a general liability&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/alabama-supreme-court-addresses-coverage-for-faulty-workmanship-lexology\/\">Continue reading <span class=\"screen-reader-text\">Alabama Supreme Court addresses coverage for faulty workmanship &#8211; Lexology<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[14,4,30,3],"tags":[],"class_list":["post-102","post","type-post","status-publish","format-standard","hentry","category-construction-2","category-construction-defects","category-general-liability-policy","category-insurance-claims","entry"],"jetpack_publicize_connections":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Alabama Supreme Court addresses coverage for faulty workmanship - Lexology - Advise &amp; Consult, Inc.<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/alabama-supreme-court-addresses-coverage-for-faulty-workmanship-lexology\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Alabama Supreme Court addresses coverage for faulty workmanship - Lexology - Advise &amp; Consult, Inc.\" \/>\n<meta property=\"og:description\" content=\"Traub Lieberman Straus &amp; Shrewsberry LLP Brian Margolies USA October 25 2011 In its recent decision Town &amp; Country Prop., L.L.C. v. 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