Florida “property damage” caused by an “occurrence.”

In U.S. Fire Ins. Co. v. J.S.U.B., Inc., No. SC05-1295  (Fla. Dec. 20, 2007), a subcontractor’s use of improper soil and improper soil compaction and testing caused physical injury to other components of several homes built by the insured general contractor, as well as to personal property of the homeowners.   The court held that the physical injury to the homes caused by the subcontractor’s defective work constituted “property damage” caused by an “occurrence.”