A shot from the neck-down of a judge holding a gavel. When reading the endorsements independently and in sequence, the justices found that the total pollution exclusion replaced the standard policy language, and the limited exception only modified it. (Credit: moodboard/Adobe Stock)

The Supreme Court of Rhode Island has vacated a lower court's grant of summary judgment to a commercial insurer that the company does not have to defend a heating and air-conditioning company against a homeowner's suit for property damage. The case is Regan Heating & Air Conditioning v. Arbella Prot. Ins. Co., 2023 R.I. LEXIS 6 (R.I. 2023). 

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Litigation