Insurer Must Defend Site Owner Against Fire-Related Lawsuit
Facts: Before a resident moved into her unit, a new smoke detector with a new battery was installed. The unit was also inspected by a local PHA inspector who found that the unit had the correct number of smoke detectors and that the smoke detectors were working properly. Shortly after the resident moved in, she complained that her smoke detector was constantly sounding and asked the owner how to turn it off. The resident testified that she removed the smoke detector from the wall and put it in the hall closet, but she didn’t remove the battery.