REYNOLDS, Justice.
The trial court found that damages to the interior of and to furnishings in a home and to its cooling and heating system, which resulted when surface water seeped into and below the surface of the ground and entered subsurface air conditioning-heating ducts from whence it was circulated as vapor into the interior of the home, were losses covered under, and were not losses caused by or resulting from surface water that were excluded from coverage...
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