Our August 2014 post addressed the decision of the U.S. District Court for the Eastern District of Michigan in Joy Tabernacle-The New Testament Church v. State Farm Fire and Cas. Co., 2014 U.S. Dist. LEXIS 97478 (July 18, 2014). This month, the U.S. Court of Appeals for the 6th Circuit reversed the District Court’s ruling that State Farm does not have to cover costs related to a partial collapse of a building, holding that the District Court’s definition of “decay” was overly broad and the District Court improperly applied exclusions for cracking and defective design.