Opinion ID: 1749075
Heading Depth: 2
Heading Rank: 1

Heading: The Policy Terms.

Text: The overarching question raised on appeal is whether the Mintmans' claims for faulty construction, which are now being advanced by Motorists, fall within the terms of the policy issued by Cincinnati to Elite. In order to answer that broad question, we must closely examine the relevant policy terms. Section I(A)1 of the policy provides, in relevant part, as follows: [3] a. We will pay those sums that the insured becomes legally obligated to pay as damages because of bodily injury or property damage to which this insurance applies. . . . . b. This insurance applies to bodily injury and property damage only if: (1) The bodily injury or property damage is caused by an occurrence. . . . Section V of the policy defines an occurrence as an accident, including continuous or repeated exposure to substantially the same general harmful conditions. The term accident is not defined in the policy. After carefully construing the policy and the relevant law, however, we conclude that this claim of faulty workmanship is not an occurrence. [4]