143392P.pdf   08/11/2015  Ritrama, Inc.  v.  HDI-Gerling America Ins. Co.
   U.S. Court of Appeals Case No:  14-3392
   U.S. District Court for the District of Minnesota - Minneapolis   
   [PUBLISHED] [Bye, Author, with Loken and Kelly, Circuit Judges] 
   Civil case - Insurance. Plaintiff was aware of defects in the vinyl 
   products it supplied to one of its customers before the effective date of 
   the policy in question and had received a demand for participation in the 
   costs of repairing or replacing the products, and these facts were 
   sufficient to constitute a claim; further, plaintiff's own records showed 
   that it had considered these events as a claim and demand for payment of 
   damages; since the claim preceded the effective date of the policy, there 
   was no coverage.