In this judgment considered here and here the policy under consideration included an Extension which deleted the previous Perils Excluded wording and replaced it with:
“All costs rendered necessary by defects of material workmanship, design, plan or specification and should damage (which for the purposes of this exclusion shall include any patent detrimental change in
In this judgment, discussed in part 1 here the insurer in rejecting the claim argued that the insured property had to be altered, not merely defectively constructed, in order to constitute “physical loss” or “damage”.
The insurer argued that the insured property was not altered because the honeycombed concrete components were defective from the time