www.state.in.us/judiciary/opinions/wpd/07170301.jts.doc A lawsuit over 'alleged' fraudulent activity of a kit builder ... problems with defective materials and inferior workmanship apparently means that a kit builders insurance carrier can deny coverage -- because such defects are not an 'occurrence' that are covered by insurance (yeah sure, we got insurance... don't worry and just sign the contract lol). Manufacturers of kit log homes and builders often make it sound like they have ‘full coverage’ insurance that will protect the consumer no matter what. In reality the insurance companies are seldom liable for the horrible problems that often develop in poorly designed and constructed kit log homes.