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United States Fire Insurance Co. v. J.S.U.B., Inc.

979 So. 2d 871 (2007)

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United States Fire Insurance Co. v. J.S.U.B., Inc.

Florida Supreme Court
979 So. 2d 871 (2007)

RW

Facts

J.S.U.B., Inc. (plaintiff) built a new house for a homeowner. The house soon manifested structural problems that were attributable to poor site preparation by J.S.U.B.’s subcontractor. These problems resulted in damage to the homeowner’s personal property and forced J.S.U.B. to repair the house’s structural defects. United States Fire Insurance Company (U.S. Fire) (defendant) insured J.S.U.B. under post-1986 commercial general liability (CGL) policies that included standard products-completed operations and business-risk clauses, as well as a subcontractor exception to the business-risk clause. U.S. Fire covered the homeowner’s personal-property losses but denied coverage for the structural repairs. J.S.U.B. sued. The trial court entered judgment for U.S. Fire but was reversed on appeal. U.S. Fire appealed to the Florida Supreme Court.

Rule of Law

Issue

Holding and Reasoning (Pariente, J.)

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