{"id":678950,"date":"2015-04-03T06:43:16","date_gmt":"2015-04-03T12:43:16","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=678950"},"modified":"2015-04-01T14:44:40","modified_gmt":"2015-04-01T20:44:40","slug":"federal-court-in-texas-holds-your-work-exclusion-bars-coverage-for-construction-defects-to-home","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/federal-court-in-texas-holds-your-work-exclusion-bars-coverage-for-construction-defects-to-home\/","title":{"rendered":"Federal Court in Texas holds \u201cYour Work\u201d Exclusion Bars Coverage for Construction Defects to Home"},"content":{"rendered":"<p>George B. Hall, Jr. | Phelps Dunbar LLP | March 27, 2015<\/p>\n<p>A federal court in Texas held that the \u201cyour work\u201d exclusion is unambiguous and enforceable, barring a homeowner from collecting under a contractor\u2019s policy a judgment against the contractor for completed work.\u00a0Feaster v. Mid-Continent Casualty Co., No. 2015 WL 164041, (S.D. Tex. Jan. 13, 2015),\u00a0appeal filed\u00a0(5th\u00a0Cir. Feb. 9, 2015).<\/p>\n<p>The insured, a home developer, constructed a home purchased for homeowners, who began to encounter structural and cosmetic damages to their home, consisting of cracks and other defects formed in the sheet rock, brick mortar and woodwork, and sloping and deflections developed in the floors, after they took possession of it. The homeowners sued the insured alleging defective construction, for which its insurer denied coverage. The insured did not answer the homeowners\u2019 lawsuit, and a default judgment was obtained against it. The insured assigned its claims against its insurer to the homeowners who then sued the insurer.<\/p>\n<p>The insurer was granted summary judgment. The court, following\u00a0Lamar Homes, Inc. v. Mid\u2013Continent Cas. Co., 242 S.W.3d 1 (Tex. 2007), held that the \u201cyour work\u201d exclusion barred coverage for defective construction. It also held that the exclusion was neither unconscionable nor unenforceable under Texas law as the Texas Department of Insurance approved the standard form developed by the Insurance Services Office, Inc. containing the \u201cyour work\u201d exclusion.<\/p>\n<p>via <a href=\"http:\/\/www.lexology.com\/library\/detail.aspx?g=dbfbcdb4-4b5f-4b10-9e36-2f87c0aef353&amp;utm_source=Lexology+Daily+Newsfeed&amp;utm_medium=HTML+email+-+Other+states+section&amp;utm_campaign=Lexology+subscriber+daily+feed&amp;utm_content=Lexology+Daily+Newsfeed+2015-03-31&amp;utm_term=\">Federal court in Texas holds \u201cyour work\u201d exclusion bars coverage for construction defects to home &#8211; Lexology<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>George B. Hall, Jr. | Phelps Dunbar LLP | March 27, 2015 A federal court in Texas held that the \u201cyour work\u201d exclusion is unambiguous and enforceable, barring a homeowner from collecting under a contractor\u2019s policy a judgment against the contractor for completed work.\u00a0Feaster v. Mid-Continent Casualty Co., No. 2015 WL 164041, (S.D. Tex. Jan.&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/federal-court-in-texas-holds-your-work-exclusion-bars-coverage-for-construction-defects-to-home\/\">Continue reading <span class=\"screen-reader-text\">Federal Court in Texas holds \u201cYour Work\u201d Exclusion Bars Coverage for Construction Defects to Home<\/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":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[4,172],"tags":[7757,19,27],"class_list":["post-678950","post","type-post","status-publish","format-standard","hentry","category-construction-defects","category-construction-law-2","tag-your-work-exclusion","tag-construction-defects-2","tag-construction-law","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>Federal Court in Texas holds \u201cYour Work\u201d Exclusion Bars Coverage for Construction Defects to Home - 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\/federal-court-in-texas-holds-your-work-exclusion-bars-coverage-for-construction-defects-to-home\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Federal Court in Texas holds \u201cYour Work\u201d Exclusion Bars Coverage for Construction Defects to Home - Advise &amp; Consult, Inc.\" \/>\n<meta property=\"og:description\" content=\"George B. Hall, Jr. | Phelps Dunbar LLP | March 27, 2015 A federal court in Texas held that the \u201cyour work\u201d exclusion is unambiguous and enforceable, barring a homeowner from collecting under a contractor\u2019s policy a judgment against the contractor for completed work.\u00a0Feaster v. Mid-Continent Casualty Co., No. 2015 WL 164041, (S.D. Tex. 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