In Saunders v. Florida Peninsula Insurance Co., a Florida appellate court recently determined whether a faulty workmanship exclusion in a homeowner’s policy applied to a property loss caused by a contractor. The insured, Veronica Saunders, hired a contractor to install a new addition to her home, which was insured by Florida Peninsula Insurance Co. During the construction process, the contractor took off a portion of the roof and only covered the exposed area with tarps. The home eventually sustained damage from rainfall after the house was left in this condition for several weeks. Saunders filed a claim with her homeowner’s insurance carrier, Florida Peninsula. The insurer denied the claim because the policy excluded losses caused by “[f]aulty, inadequate[,] or defective … [d]esign, specifications, workmanship, repair, construction, renovation, remodeling, grading, [and] compaction.” Following the denial, Saunders filed a declaratory action in Miami-Dade County seeking a determination of the coverage under her policy with Florida Peninsula.