THE STANDARD FIRE INSURANCE COMPANY v. SPECTRUM COMMUNITY ASSOCIATION PART II
Insurer under an occurrence-based commercial general liability policy cannot avoid providing a defense to the insured condominium complex developer in a construction defect action by a condominium homeowners association solely because the homeowners association did not exist or did not own the damaged property during the policy period; critical question is when the property damage occurred, not when the homeowners association came into existence.
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