Record No. 120347.

736 S.E.2d 321 (2012)

284 Va. 547


Supreme Court of Virginia.

November 1, 2012.

Attorney(s) appearing for the Case

Michael F. Imprevento ( Jeffrey A. Breit ; John W. Drescher ; Richard J. Serpe ; Breit Drescher Imprevento & Walker, on brief), Norfolk, for plaintiff-appellee.

John B. Mumford, Jr. , Glen Allen ; Stephen E. Goldman ( Wystan M. Ackerman ; Hancock, Daniel, Johnson & Nagle; Robinson & Cole, on brief), for defendant-appellant.

Amicus Curiae: Virginia Trial Lawyers Association ( John J. Rasmussen ; Insurance Recovery Law Group), in support of defendant-appellant.

Amicus Curiae: National Association of Home Builders ( David N. Crump, Jr. ; David S. Jaffee , on brief) in support of defendant-appellant.

Amicus Curiae: American Insurance Association, National Association of Mutual Insurance Companies, and Property Casualty Insurers Association of America, ( Laura A. Foggan ; Samuel B. Gedge ; Wiley Rein, on brief), in support of plaintiff-appellee.

Present: All the Justices.

Opinion by Justice S. BERNARD GOODWYN.

Pursuant to Article VI, Section 1 of the Constitution of Virginia and Rule 5:40, we accepted the following certified question of law from the United States Court of Appeals for the Fourth Circuit:

For purposes of interpreting an "all risk" homeowners insurance policy, is any damage resulting from this drywall unambiguously excluded from coverage under the policy because it is loss caused by: (a) "mechanical...

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