Ordered that the order is affirmed, with costs.
The plaintiff, which owns and operates a golf course located in Baiting Hollow, New York, purchased a commercial, general liability insurance policy from the defendant for the period from November 15, 1990, to November 15, 1991. On June 10, 1991, the pumps that pumped water through the golf course's underground sprinkler system were damaged by lightning, and sand and silt entered the sprinkler system, rendering it inoperable...
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