( April 22, 2025, 3:22 PM EDT) -- SALEM, Ore. — The Oregon Supreme Court reversed a holding by lower courts that a commercial general liability insurer owed no duty to indemnify homeowners who sustained water damage in their home due to a cracked and sloped garage floor laid by the insured’s subcontractor, finding that whether an insurance claim seeks recovery for an ‘accident’ “depends on whether there is a basis in fact for imposing tort liability” and there were “factual disputes material to whether such a basis exists.”...