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Insurer avoids responsibility for parking deck flaws

The Christman Company sued Renaissance Precast Industries and Ohio Casualty Insurance Company (among others) to recover from a concrete failure in the construction of the E.R. Parking Ramp at Northern Michigan Hospital.   The insurers were granted summary disposition because the failure did not constitute an "occurrence" under the policy language.  The Court of Appeals upheld the trial judge's conclusion that "defective workmanship" contributed to the concrete failure, thus precluding coverage as an "unanticipated, unforeseen and unexpected" accident.

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