( June 30, 2023, 9:16 AM EDT) -- ATLANTA — A district court correctly determined that an insurer has a duty to defend its insured against an underlying negligence suit arising out of exposure to legionella bacteria because the policies’ fungi and bacteria exclusions do not bar coverage, the 11th Circuit U.S. Court of Appeals said in agreeing with the district court’s finding that the exposure did not occur within a building or structure as required by the exclusions....