On August 23, 2013, the Texas Supreme Court in Lennar Corp. v. Markel Am. Ins. Co., No. 11-0394 (Tex. Aug 23, 2013), held that the costs incurred by a builder to locate and repair damage caused by the builder’s defective product are covered under its general liability insurance policy. The court also held that the insurer is responsible for those costs, even where the insurer refused to participate in the proactive inspection and remediation program through which the costs were incurred. Finally, the court held that the insurer would be responsible for all costs — including those incurred before and after its effective policy period because the policy’s language makes insurers jointly and severally liable for all damages.