Ralph F. Dodson, D/b/a, Dodson Construction Company, Appellee v. St. Paul Insurance Company, Appellant

Summary

The court held that the comprehensive general liability policy unambiguously excluded coverage for the cost of repairing or replacing the subcontractor’s defective roofing work and materials. The exception to the contractual-liability exclusion preserved potential coverage for warranty-based claims but did not override the separate business-risk exclusions. The judgment imposing liability, damages, punitive damages, and fees against the insurer was reversed.