Broome County v. The Travelers Indemnity Company
This case involves cross-appeals from an order concerning an insurance dispute. The plaintiff, an insured party, experienced property damage due to silica dust migration during construction, which they claimed was covered by their first-party insurance policy with the defendants, The Travelers Indemnity Company and The Travelers Companies, Inc. The defendants disclaimed coverage based on pollution and faulty workmanship exclusions. While the Supreme Court initially found issues of fact, the appellate court reversed this decision. The appellate court ruled that both the pollution exclusion, defining silica dust as a pollutant, and the faulty workmanship exclusion, pertaining to flawed construction processes, unambiguously applied to bar coverage. Consequently, summary judgment was granted to the defendants, and the plaintiff's complaint was dismissed.