M AND M CORP. v. Auto-Owners Ins. Co.

*262Justice PLEICONES.

I respectfully dissent. I believe that the water which damaged Plaintiffs property constituted “surface water” under longstanding South Carolina law. Accordingly, I would answer the first question “yes” and, as the answer disposes of the coverage issue, decline to answer the second and third questions.

A. Surface Waters and Water Courses

Typically, where a term is not defined in an insurance policy, a court must define the term according to the usual understanding of the term’s significance to the ordinary person. See South Carolina Farm Bureau Mut. Ins. Co. v. Durham, 380…