Opinion ID: 2601906
Heading Depth: 2
Heading Rank: 4

Heading: your work exclusion

Text: ¶ 27 MOE contends that the cost to strip and reclad the condominiums is excluded by the your work exclusion. That exclusion says: Property damage to your work arising out of it or any part of it and included in the products completed operations hazard. This exclusion does not apply if the damaged work or the work out of which the damage arises was performed on your behalf by a subcontractor. CP at 648. MOE's your work exclusion mirrors its impaired property exclusion argument. In the impaired property exclusion argument, MOE argues that the siding was not impaired so it should not be required to pay for its replacement. In its your work exclusion argument it contends that the siding was T & G's work. T & G was the siding contractor. Therefore, it reasons that there is no coverage for the removal and replacement of the siding. But as we have previously said, if the siding must be removed to repair damage caused by T & G to the surfaces and interior walls underneath the siding, then there is coverage for the cost of the removal and replacement of the siding. But like the impaired property exclusion, we cannot tell from the record before us if all of the buildings and walls needed to be re-sided because of impaired subsurfaces and accordingly remand to the trial court for further proceedings.