Michael Takacs (Partner-Philadelphia, PA) and Jesse Endler (Of Counsel-Philadelphia, PA) secured summary judgment in the Court of Common Pleas, Philadelphia County, Pennsylvania, for Wilson Elser’s insurance company client. The insured, a medical practice, brought a first-party claim alleging our client wrongfully denied coverage for a loss. The loss involved a backup and overflow of water and sewage into the lower level of the practice’s office building, caused by rocks crushing the exterior sewer line. The insured claimed that the language in the policy’s one exclusion was ambiguous and thus should be construed to cover the loss. Our client contended that the various definitions found in several policy exclusions barred coverage under the policy’s terms. In support of their motion for summary judgment, Michael and Jesse relied in part on a federal case from Florida interpreting identical policy language. In that case, the court found the policy language clear and unambiguous and, under similar facts, held that the policy did not cover the loss. In its written opinion, the Pennsylvania court stated that it found the Florida case persuasive and insightful and held that the policy was unambiguous, granting summary judgment and dismissing all claims against the client.