( November 19, 2025, 9:10 AM EST) -- SAN FRANCISCO — A federal judge in California issued two orders in a declaratory judgment action an insurer brought against its insured HVAC provider, the construction company that hired it and the owner of the subject property, finding in one order that the insurer may have a duty to defend the construction company in an underlying suit regarding defects in the installation of the HVAC system; in the other order, the judge found that because she already found that the insurer may owe a duty to defend, the judge could not grant default judgment as to the property owner....