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

The United States District Court for the District of South Carolina has certified to this Court three questions arising from a dispute concerning an all-risk Commercial Property Policy of insurance (the Policy). These questions concern the classification of water, for purposes of the insurance policy’s coverage, that has been collected, concentrated, and cast onto adjoining property.

*258Facts/Procedural Background

M & M Corporation (Plaintiff) owns a hotel in Blythe-wood, South Carolina. In August 2006, the South Carolina Department of Transportation (SCDOT) was widening and improving Blythewood…