SAN DIEGO - Allegations that homes had drainage defects that resulted in damage to the homes and their component parts are covered under a contractor's insurance policy, a California appeals panel held Sept. 20, finding that an insurer owed a duty to defend an insured (McMillin Management Services LP, et al. v. State Farm General Insurance Co., No. D062178, Calif. App., 4th Dist., Div. 1; 2013 Cal. App. Unpub. LEXIS 6727).