DISCLAIMER:  The following unofficial case summaries are prepared by the clerk's office
                        as a courtesy to the reader. They are not part of the opinion of the court.

113603P.pdf   09/07/2012  Joseph Friedberg  v.  Chubb & Son, Inc.
   U.S. Court of Appeals Case No:  11-3603
   U.S. District Court for the District of Minnesota - Minneapolis   
   [PUBLISHED] [Colloton, Author, with Murphy and Melloy, Circuit Judges]
   Civil case - Insurance. Policy exclusion for any loss caused by faulty
   construction applied to plaintiff's loss as the faulty construction was the
   efficient and proximate, or overriding cause, of the damage; "ensuing
   loss" provision in the policy did not restore coverage as ensuing-loss
   provisions exclude from coverage the normal results of defective
   construction and only apply to distinct, separable ensuing losses; under
   Minnesota law, water damage attributable to faulty construction and
   resulting water intrusion is not a separable and distinct peril.