Sprague v. Safeco Insurance Co. of America

*526Korsmo, J.*

¶1 The supports for the deck system at Max and Krista Sprague’s house rotted out due to improper construction techniques exposing the supports to the elements. Their claim for homeowners’ insurance coverage was denied due to exclusions for rot and defective construction. The trial court granted summary judgment to their insurer, Safeco Insurance Company of America. The Court of Appeals reversed, finding that the ensuing loss provision provided coverage for the otherwise excluded losses. We now reverse the Court of Appeals.

FACTS

¶2 The Spragues purchased their home in 1987. Safeco…