( May 21, 2026, 8:36 AM EDT) -- SAN FRANCISCO — In a reply brief filed in the Ninth Circuit U.S. Court of Appeals, homeowners argue that an insurer in its appellee brief repeats a lower court’s structural error: “no indemnity, therefore no other claims”; the homeowners say that once a developer tendered its complaint, which triggered the duty to defend, the insurer was required to perform claim-handling obligations....