The plaintiffs, homeowners, sued Bertrand and Lafarge for damages resulting from defective concrete foundations caused by fly ash supplied by Lafarge.
The trial judge found Lafarge 80% liable and Bertrand 20% liable for approximately $20,000,000 in damages.
This appeal concerns the insurance coverage disputes between Bertrand, Lafarge, and their numerous primary and excess insurers.
The Court of Appeal upheld the trial judge's findings that the defective foundations constituted property damage under the CGL policies, that the continuous trigger theory applied to trigger all policies from 1986 to 1992, and that certain excess insurers had a duty to contribute to defence and third-party costs.
The appeal by Guardian Insurance was allowed regarding its duty to defend, but all other appeals and cross-appeals were dismissed.