PADUCAH, Ky. - Alleged property damage from a latent manifestation of a chemical reaction was an "accident" and, thus, an "occurrence" under commercial general liability and commercial umbrella insurance policies because the accident was not attributable to poor workmanship, a Kentucky federal judge held Sept. 18 (Westfield Insurance Co. v. B.H. Green & Son Inc., et al., No. 11-00010, W.D. Ky.; 2013 U.S. Dist. LEXIS 133140).