An unrelated subcontractor(roofer) has alleged that our insured (an electrician) has damaged the roof that they installed by puncturing it with installation screws used to affix Heat Tape to the roof, thereby voiding the warranty of the specialized roofing material.

The installation of the heat tape was begun in May, 2019 by our insured. And completed within a few weeks. The Warranty issue was discovered in November 2019, and a claim was filed with Carrier A in January, 2020.

Carrier A accepted the claim but sent the following Email, because Carrier B wrote the insured effective July 1, 2019.