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West Virginia’s highest court, the Supreme Court of Appeals, has ruled that the term “collapse” as used (but not defined) in a homeowner’s insurance policy was ambiguous, meant something less than “complete falling in” of a kitchen floor, and included “substantial impairment of the structural integrity” of the floor. The court also held that whether an insured should have known that decay was causing her kitchen floor to sink was a genuine issue of material fact that had to be decided by a jury.

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