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OCEAN WINDS COUNCIL v. AUTO-OWNER INS. CO

No. 25485.

350 S.C. 268 (2002)

565 S.E.2d 306

OCEAN WINDS COUNCIL OF CO-OWNERS, INC., Plaintiff, v. AUTO-OWNER INSURANCE COMPANY, Defendant.

Supreme Court of South Carolina.

Decided June 17, 2002.

Attorney(s) appearing for the Case

W. Jefferson Leath, Jr. and Timothy W. Bouch, both of Leath, Bouch & Crawford, L.L.P., of Charleston; and W.H. Bundy, Jr., of Smith, Bundy, Bybee & Barnett, P.C., of Mt. Pleasant, for plaintiff.

Robert H. Hood, Robert H. Hood, Jr., and Deborah H. Sheffield, all of Hood Law Firm, L.L.C., of Charleston, for defendant.

Justice MOORE.

We accepted this certified question to interpret a property insurance policy providing coverage for "risks of direct physical loss involving collapse of a building or any part of a building."

FACTS

Plaintiff (Ocean Winds) seeks payment from defendant (Insurer) under collapse coverage in its policy which provides:

5. ADDITIONAL COVERAGES

d. COLLAPSE

We will pay for loss or damage caused by or resulting from...

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