ST. LOUIS - An insurance policy covers a subcontractor's loss for water damage to a roof deck, regardless of a faulty workmanship exclusion, because the covered peril of rain ensued, a Missouri appeals panel affirmed March 25 (Drury Co. v. Missouri United School Insurance Counsel, et al., No. ED100320, Mo. App., Eastern Dist., Div. 3; 2014 Mo. App. LEXIS 319).