A little reminder that Pennsylvania isn’t as builder friendly as some other states, at least in regards to insurance coverage. In late 2010, the Indiana courts looked at the issue of whether damage to a home caused by a subcontractor was covered under the general contractor’s standard liability insurance policy. Indiana ruled in favor of builders and determined that if the subs workmanship was unintentional, then the resulting damage would be unforeseeable and could be deemed an accident, thus falling within the policy’s definition of an “occurrence”.
Today I was reminded that PA is one of only 5 states that have ruled the other way-in favor of the insurance companies. See the article here.