An insurer is asking a court to declare it owes no defense or coverage to a siding contractor named in an Oregon townhome water-damage dispute.
Kinsale Insurance Company filed suit in Portland federal court on August 7, 2026, seeking a declaration that it has no duty to defend or indemnify its insured, Timbers Siding Contractors, in a construction-defect case.
The dispute began with a homeowners’ association. According to Kinsale’s complaint, Ironcrest Estates Homeowners’ Association sued developer West Coast Home Solutions in December 2024 over a 31-unit townhome project built around 2020. The association alleges the buildings suffered “actual repeated and/or continuous and substantial water intrusion,” and that a building envelope specialist it hired discovered evidence of “severe and repeated occurrences of water intrusion.” At some locations, the complaint says, the intrusion was severe enough to “compromise the structural integrity of the buildings.” That underlying suit seeks $3,000,000…