(December 9, 2016, 10:56 AM EST) -- BOSTON — The First Circuit U.S. Court of Appeals on Dec. 7 found that a homeowners insurance policy draws a clear distinction between an insurer’s duty to defend that applies to suits alone and the insurer’s right to investigate that applies to both suits and claims, affirming a lower federal court’s ruling that the insurer has no duty to defend its insured (Harry Sanders, executor of the Estate of Nancy A. Andersen and assignee of John Doe, v. The Phoenix Insurance Co., et al., No. 15-2539, 1st Cir.; 2016 U.S. App. LEXIS 21773)....