limited to ones outside the policy coverage.” (internal quotation marks omitted)). If the failure to install the homes correctly amounted only to negligence, the parks may not have known that the homes were being installed incorrectly. In that event, there simply would be no basis for concluding that the parks actually expected that the installations would damage the homes; thus, the damage could possibly have been caused by an occurrence. The unexpected nature of the liability is the reason that this sort of claim, in which a company has accidentally caused damage to other property by negligently performing its work, is exactly the sort that commercial general liability (CGL) policies are designed to cover. See, e.g., Haynes v. Am. Cas. Co., 228 Md. 394, 179 A.2d 900, 903-04 (1962) (<HOLDING>). But even assuming for a moment that all of
holding that issues not argued specifically and distinctly in a partys opening brief are waived internal quotation marks and citations omitted holding that your work exclusion is triggered only where the damage at issue is to work performed by you and is caused by work performed by you  and does not apply to damage caused to original construction of a house during later repair work holding that when contrac tor hired to do excavation work cut down trees that turned out to be on a third partys property damage was caused by accident internal quotation marks omitted holding that compliance with rule 3 is both a mandatory and jurisdictional prerequisite to appeal internal quotation marks omitted recognizing that party is not permitted to use the accident of a remand to raise an issue that it could just as well have raised in the first appeal internal quotation marks and alterations omitted