Tento International, Inc. v. State Farm Fire & Casualty Co.

DAVID R. THOMPSON, Circuit Judge:

Tentó International, Inc. (“Tentó”) appeals the district court’s dismissal of its claims against State Farm Fire and Casualty Company (“State Farm”). A third-party contractor making repairs to the roof of Tento’s rented business premises neglected to place a temporary covering over an open space in the roof, allowing rain to damage Tento’s electronics equipment. State Farm denied coverage under its insurance policy.

We have jurisdiction pursuant to 28 U.S.C. § 1291, and we reverse.

FACTUAL BACKGROUND

Tento’s landlord hired a roofing contractor to make repairs to…