Whose side are you on?

Your company has insurance, right?

So you know why you have a "policy" that comes with every endorsement, exclusion, definition etc.

Because if the insurer didnt, while they may have INTENT to NOT cover a particular loss, if it aint excluded, its included.

Words matter.

IM sure your bids dont go out with 1 line scope of work saying " RENOVATION"

Right?
no they don’t but most contracts are written where things can be interpreted differently and the you go to mediation or arbitration and I’ve more than I care to discuss where the contractor is told they knew the intent of the specifications but chose not to follow.

The student knew the intent of the teacher he just tried to outsmart him.