TAMPA. Fla. - Insurers have a duty to defend their insured in underlying suits alleging property damage as a result of defective Chinese drywall distributed by the insured because the underlying suits do not allege claims that fall within the policies' pollution and health hazard exclusions, a Florida federal judge said May 8 (American Home Assurance Co., et al. v. Arrow Terminals Inc., et al., No. 11-1278, M.D. Fla.; 2013 U.S. Dist. LEXIS 65610).