LOUISVILLE, Ky. - Insureds cannot establish causation or damages regarding their commercial general liability insurer's handling of a construction defect claim, a Kentucky federal judge ruled March 30, granting summary judgment to the insurer on breach of contract and bad faith claims (Seville Homes Inc., et al. v. Northern Insurance Company of New York, et al., No. 05-477, W.D. Ky.; 2012 U.S. Dist. LEXIS 45252).