Vacated and remanded by published opinion. Judge WIDENER wrote the majority opinion, in which Judge DIANA GRIBBON MOTZ concurred. Judge HALL wrote a dissenting opinion.
OPINION
WIDENER, Circuit Judge.
Defendant Independent Fire Insurance Co. (Independent) appeals the district court's grant of summary judgment holding the subsidence of land beneath plaintiffs William and Rosa Smoak's lakefront home to be a covered loss under a Standard Flood Insurance...
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