On timing, Pulte says it tendered the condominium association lawsuit to Penn National on November 30, 2020, to Erie on December 4, 2020, and to Evanston on April 25, 2021. Erie, according to the suit, denied a defense on May 20, 2021, on the basis that the underlying complaints did not allege “property damage” due to an “occurrence” within the meaning of its policy, and later maintained that position in additional letters. Penn National allegedly denied coverage on May 21, 2021, asserting that the requirements of its additional insured endorsement were not satisfied, and reaffirmed its denial in subsequent correspondence,