“Your Work” Exclusion Does Not Apply to Damage to Other Parts of House from Faulty Foundation

In Wilshire Ins. Co. v. RJT Const., LLC, 2009 WL 2605436 [C.A.5 (Tex.)],Wilshire Insurance Co. insured RJT Construction LLC, under two consecutive CGL policies running from June 2004 through June 2006. In 1999, RJT repaired the foundation of the home of William Ashbaugh after it was damaged by an accidental discharge of plumbing water.

In 2005, Ashbaugh alleged that due to the foundation being out of level, cracks in the walls and ceilings suddenly appeared in his home. In 2007, he sued RJT for negligently performing the foundation repair