“Your Work” Exclusion and Roof Damage

Q

Our insured is a contractor specializing in home construction. Recently, he informed us that the owner of a ten-year old dwelling had developed problems with the roof, which had been installed by a subcontractor. The staples used to fasten the plywood to the trusses let loose, causing the plywood and shingles to buckle. There is resulting interior damage. Our insured advises that the only way to repair the damage is to remove the shingles, renail the plywood, and install new shingles.

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