Jessica Syfco v. Encompass Indemnity Company

BYE, Circuit Judge.

In this insurance coverage dispute, Jessica Syfco appeals the summary judgment granted in favor of Encompass Indemnity Company (Encompass). The district court determined Syfco’s homeowner’s policy with Encompass did not cover repair costs to Syfco’s home which allegedly resulted from a broken drain pipe under a basement shower stall. We reverse and remand for further proceedings.

I

In May 2011, Syfco and her mother, Dr. Susan Anderson, hired a contractor, Tim Morris, to complete a ceiling project in the kitchen of Syfco’s home. Syfco had noticed a smell in the basement; when…