In Hennessy v. Mutual of Enumclaw Ins. Co., 2009 WL 1140143 (Or.App), the plaintiff owned a commercial building insured by the defendant. Until 2005, the building's exterior was covered by a layer of a stucco product called marblecrete. In late 2003, the plaintiff discovered that a piece of stucco had visibly separated from the building's underlying wall, so she hired a contractor to remove the damaged stucco. She then filed a claim with the defendant, which the defendant denied. Plaintiff later replaced the remaining stucco and, again, filed a claim with the defendant.