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Faulty workmanship exclusion barred recleaning costs, not replacement of damaged windows.
In a builders’ risk insurance appeal, the appellants sought coverage for replacing windows scratched during post-installation cleaning performed by a contractor.
The insurers relied on an exclusion for the cost of making good faulty workmanship.
The Court held that, in this context, the exclusion removes only the cost of redoing the faulty work itself, while resulting physical damage remains covered.
The Court also held that interpretation of this standard form contract was reviewable for correctness in the circumstances.
The appeals were allowed with costs and the trial judgment was restored.
