According to the complaint, PURE issued a homeowners policy to Gary and Linda Dinkin, owners of the property at 13 Old Ranch Road. Art Deck was hired to install wall deck sheet metal and apply waterproofing. Gemini alleges that, as of November 2015, Art Deck had billed for 70% of the work. On or about April 9, 2020, water damage was discovered at the property, which PURE claims originated from the exterior balconies. PURE alleges it paid $1,586,261 to repair the water damage and perform mold remediation, then filed a subrogation action against Art Deck and others to recoup those