( December 19, 2025, 9:38 AM EST) -- PENSACOLA, Fla. — A federal judge in Florida found that a subcontractor’s insurer owed no duty to indemnify the subcontractor or the contractor that hired it for damages owed after the U.S. Navy found defects in renovations the contractor, subcontractor and other subcontractors did on two buildings at the navel air station in Pensacola, Fla., agreeing with the insurer that deficiency notices didn’t assert a claim for property damage and an arbitration award didn’t allocate between covered and noncovered damages....