Hennessy v. Mutual of Enumclaw Insurance

*188ORTEGA, J.

Plaintiff owns a commercial building insured by defendant. Until 2005, the building’s exterior was covered by a layer of a stucco product called marblecrete. In late 2003, plaintiff discovered that a piece of stucco had visibly separated from the building’s underlying wall. She hired a contractor to remove the damaged stucco and filed a claim with defendant, which defendant denied. Plaintiff later replaced the remaining stucco and, again, filed a claim with defendant. After defendant denied her claims, plaintiff brought this breach of contract action, arguing that, under her…