(insurance policy did not cover water damage resulting from unusually fast snowmelt that overwhelmed man-mad ditches and flooded plaintiff's business property; loss was from "surface water" which was an excluded peril under the policy terms).
(insurance policy did not cover water damage resulting from unusually fast snowmelt that overwhelmed man-mad ditches and flooded plaintiff's business property; loss was from "surface water" which was an excluded peril under the policy terms).