Town & Country Property, L.L.C., and Town & Country Ford, L.L.C. v. Amerisure Insurance Company and Amerisure Mutual…

Summary

The Alabama Supreme Court reversed the trial court’s judgment on remand and remanded for entry of a $600 judgment representing damage to ceiling tiles, holding that no other damages were covered under the CGL policy because they stemmed from faulty workmanship. The Court affirmed that faulty construction itself is not an “occurrence” and that only property damage caused by an occurrence is indemnifiable. Justice Murdock’s concurring opinion agreed with the result but emphasized that the record does not support any award for insulation damage and reserved the broader caveat issue for future consideration.