AUSTIN, Texas - A commercial umbrella insurer is responsible for costs incurred to determine property damage as well as to repair it and costs to remediate the damage that began before and continued after the policy period, the Texas Supreme Court ruled Aug. 23, reversing an appeals court's judgment and reinstating a trial court's judgment (Lennar Corp., et al. v. Markel American Insurance Co., No. 11-0394, Texas Sup.; 2013 Tex. LEXIS 597).