Smith Flooring, Inc. v. Pennsylvania Lumbermens Mutual Insurance

SMITH, Circuit Judge.

Smith Flooring, Inc. (“Smith Flooring”) obtained commercial property insurance coverage from Pennsylvania Lumbermens Mutual Insurance Company (“Pennsylvania Lumbermens”) from 2004 to 2009. Each year, Pennsylvania Lumbermens issued Smith Flooring a new annual policy with endorsements that excluded certain property from coverage. An endorsement excluding certain buildings from coverage was omitted from the 2007-08 policy and again from the 2008-09 policy. One of those buildings, known as the Pine Warehouse, subsequently collapsed, and Smith Flooring submitted a claim for…