ATLANTA - The 11th Circuit U.S. Court of Appeals on Jan. 3 affirmed that insurers have no duty to defend or indemnify insureds for property damage caused by defective Chinese drywall because the policies' total pollution exclusion clearly precludes coverage for the claims arising out of the defective drywall regardless of whether Florida or Massachusetts law is applied (Granite State Insurance Co., et al. v. American Building Materials Inc., et al., No. 12-10979, 11th Cir.; 2013 U.S. App. LEXIS 76).