{"id":895749,"date":"2019-04-17T12:23:17","date_gmt":"2019-04-17T18:23:17","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=895749"},"modified":"2019-04-17T12:23:23","modified_gmt":"2019-04-17T18:23:23","slug":"duty-to-defend-broader-than-duty-to-indemnify-underlying-complaint","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/duty-to-defend-broader-than-duty-to-indemnify-underlying-complaint\/","title":{"rendered":"CGL Insurer&#8217;s Duty to Defend Broader Than Duty to Indemnify and Based on Allegations in Underlying Complaint"},"content":{"rendered":"\n<p>David Adelstein | <a href=\"http:\/\/www.floridaconstructionlegalupdates.com\/cgl-insurers-duty-to-defend-broader-than-duty-to-indemnify-and-based-on-allegations-in-underlying-complaint\/\">Florida Construction Legal Updates<\/a> | February 9, 2019<\/p>\n\n\n\n<p>The&nbsp;<strong>duty to defend<\/strong>&nbsp;an insured with respect to a third-party claim is&nbsp;broader&nbsp;than the&nbsp;<strong>duty to indemnify<\/strong>&nbsp;the insured for that claim.&nbsp;&nbsp;The duty to defend is triggered by allegations in the&nbsp;underlying complaint. However, an insurer is only required to indemnify its insured for damages&nbsp;covered under the policy.&nbsp;&nbsp;&nbsp;A recent case example demonstrating the duty to defend is broader than the duty to indemnify can be found in&nbsp;<em>Southern Owners Ins. Co. v. Gallo Building Services, Inc<\/em>., 2018 WL 6619987 (M.D.Fla. 2019).&nbsp;&nbsp;<\/p>\n\n\n\n<p>In this case, a homebuilder built a 270-unit condominium project where the units were included in 51-buildings.&nbsp;&nbsp;Upon turnover of the condominium association to the unit owners, the condominium association served a&nbsp;<a href=\"http:\/\/www.floridaconstructionlegalupdates.com\/construction-design-defects-and-florida-statutes-chapter-558\/time-frame-regarding-florida-statute-chapter-558s-notice-of-serving-notice-of-defects\/\" target=\"_blank\" rel=\"noreferrer noopener\">Florida Statutes Chapter 558&nbsp;<\/a>Notice of Construction Defects letter. There was numerous nonconforming work spread out among various subcontractor trades including nonconforming stucco work.&nbsp;&nbsp;The homebuilder incurred significant costs to repair defective work and resulting property damage, and relocated unit owners during repairs. &nbsp;The homebuilder then filed a lawsuit against implicated subcontractors.&nbsp;&nbsp;One of the implicated subcontractors was the stucco subcontractor.<\/p>\n\n\n\n<p>The stucco subcontractor\u2019s insurer filed an action for declaratory relief claiming it had NO duty to defend or indemnify the subcontractor in the underlying action because the subcontractor had a stucco\/EIFS exclusion through an endorsement in its policy, referred tp as the \u201c<strong>Exterior Finishing System and Stucco Exclusion<\/strong>.\u201d&nbsp;&nbsp;The subcontractor\u2019s policy also did not contain a subcontractor exception to the&nbsp;<a href=\"http:\/\/www.floridaconstructionlegalupdates.com\/make-sure-you-have-the-subcontractor-exception-to-the-your-work-exclusion\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u201cyour work\u201d exclusion<\/a>.<\/p>\n\n\n\n<p>Regarding the elimination of the subcontractor exception to the \u201cyour work\u201d exclusion, the Court noted that the elimination of the subcontractor exception was largely irrelevant since the stucco subcontractor was a subcontractor so its work was not the entire project (unlike the homebuilder or general contractors\u2019 work).&nbsp;Rather, the stucco subcontractor\u2019s work was its scope of work and the underlying complaint referenced damages beyond the stucco subcontractor\u2019s own work to other building components. &nbsp;Thus, based on the allegations in the underlying complaint, the \u201cyour work\u201d exclusion was not a basis to deny the duty to defend.<\/p>\n\n\n\n<p>Regarding the stucco exclusion, the homebuilder argued that the subcontractor performed work outside of stucco work and the underlying complaint contained allegations unrelated to the application of stucco including framing work, miscellaneous work, and wrapping the buildings.&nbsp;&nbsp;In other words, the Court did not have sufficient evidence that each allegation of nonconforming work related to the stucco subcontractor related to or arose out of the installation of stucco to trigger&nbsp;the full application of the stucco exclusion.&nbsp;Thus, this was not a&nbsp;basis to deny the subcontractor the duty to defend.<\/p>\n\n\n\n<p>At this time, it is uncertain the magnitude of covered damages under the policy in light of the stucco exclusion and property damage resulting from the subcontractor\u2019s defective work (certainly an issue to consider). &nbsp;<strong>However, the insurer owed the subcontractor a duty to defend based on the allegations in the underlying complaint demonstrating the importance of crafting allegations in the underlying complaint.<\/strong>&nbsp;&nbsp; The insurer\u2019s&nbsp;indemnification obligation for covered damages, however, may be a different story and it is uncertain how a stucco subcontractor&nbsp;could&nbsp;have an endorsement that contains a stucco exclusion. &nbsp;<strong>Take a look at your policy and,&nbsp;particularly, endorsements that further restrict coverage to ensure you do not have an exclusion relating to your own scope of work that would negate the value of the policy to you for property damage claims.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>David Adelstein | Florida Construction Legal Updates | February 9, 2019 The&nbsp;duty to defend&nbsp;an insured with respect to a third-party claim is&nbsp;broader&nbsp;than the&nbsp;duty to indemnify&nbsp;the insured for that claim.&nbsp;&nbsp;The duty to defend is triggered by allegations in the&nbsp;underlying complaint. However, an insurer is only required to indemnify its insured for damages&nbsp;covered under the policy.&nbsp;&nbsp;&nbsp;A recent&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/duty-to-defend-broader-than-duty-to-indemnify-underlying-complaint\/\">Continue reading <span class=\"screen-reader-text\">CGL Insurer&#8217;s Duty to Defend Broader Than Duty to Indemnify and Based on Allegations in Underlying Complaint<\/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":[9914,53],"tags":[9895,7777,57,478,10257,10593],"class_list":["post-895749","post","type-post","status-publish","format-standard","hentry","category-insurance-coverage","category-professional-liability-insurance-2","tag-advise-consult","tag-commercial-property-liability-insurance-policy","tag-duty-to-defend-2","tag-duty-to-indemnify","tag-flordia","tag-insurance-coverage-disputes","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>CGL Insurer&#039;s Duty to Defend Broader Than Duty to Indemnify and Based on Allegations in Underlying Complaint - Advise &amp; 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