York Insurance v. Williams Seafood of Albany, Inc.

Fletcher, Presiding Justice.

Williams Seafood of Albany suffered a complete loss when its restaurant building collapsed into a sinkhole following a flood. Williams’ insurer, York Insurance Company, brought a declaratory judgment action in federal district court to determine coverage. The trial court held that the loss was not covered. On appeal, the Eleventh Circuit Court of Appeals certified to this Court the question of whether the policy covers damage caused by a sinkhole collapse that was precipitated by a flood. Because the policy, when read as a whole, does not extend its flood exclusion…