(August 17, 2015, 1:00 PM EDT) -- ATLANTA — An insurer owes reimbursement of self-insured retentions (SIRs) under its insurance policies for settlements made in underlying construction defect lawsuits, an insured tells the 11th Circuit U.S. Court of Appeals in an Aug. 4 reply brief (Summit Contractors Inc. v. Crum & Forster Specialty Insurance Co., No. 15-11051, 11th Cir.)....