Steven and Gail Karas sued their insurer, Liberty Insurance Corporation, for denying coverage after the concrete walls in their basement prematurely deteriorated. (Photo: National Underwriter Property & Casualty magazine) Steven and Gail Karas sued their insurer, Liberty Insurance Corporation, for denying coverage after the concrete walls in their basement prematurely deteriorated. (Photo: National Underwriter Property & Casualty magazine)

A federal district court in Connecticut has certified an insurance coverage question to the Connecticut Supreme Court that, once resolved, has the potential to determine whether homeowners or their insurers will have to pay for damage resulting from concrete that prematurely deteriorates (and was used in tens of thousands of homes in northeastern Connecticut).

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