O.L. Matthews v. Harleysville Lake States Ins.

NOT RECOMMENDED FOR PUBLICATION
File Name: 20a0524n.06
No. 19-1994
UNITED STATES COURT OF APPEALS
FOR THE SIXTH CIRCUIT
FILED
O.L. MATTHEWS, M.D., P.C., ) Sep 09, 2020
) DEBORAH S. HUNT, Clerk
Plaintiff-Appellant, )
)
ON APPEAL FROM THE
v. )
UNITED STATES DISTRICT
)
COURT FOR THE EASTERN
HARLEYSVILLE INSURANCE CO., )
DISTRICT OF MICHIGAN
)
Defendant-Appellee. )
)
BEFORE: GRIFFIN, THAPAR, and READLER, Circuit Judges.
GRIFFIN, Circuit Judge.
This insurance coverage dispute concerns damage to a building that resulted from rainwater
ponding on the roof and eventually finding its way inside. The issue on appeal is whether the
damage is covered under the relevant policy or excluded by one or more of its numerous
“exclusions” or “limitations.” OLM, the insured, argues that the district court applied the wrong
standard of causation when it analyzed whether one of the Policy’s coverage exclusions applied.
OLM is correct on this point, but we conclude that two other provisions of the Policy (one
“exclusion” and one “limitation”) apply to bar coverage. We therefore affirm.
I.
Plaintiff O.L. Matthews, M.D., P.C. (“OLM”) owned a building in Inkster, Michigan and
used it as a medical office. OLM bought the building in the early 1980s, and for many years,
No. 19-1994, O.L. Matthews, M.D., P.C. v. Harleysville Ins. Co.
neither OLM nor its owner, Dr. O.L. Matthews, paid much attention to the condition of the roof.
That changed in January of 2017, when the roof started leaking. OLM filed a claim under the
“Businessowners policy” (“the Policy”) it held with defendant Harleysville Insurance Company,
but Harleysville denied coverage and its agent told OLM that the roof needed maintenance.
OLM then hired Darrell Wood, a roofer, but because of the ice and snow on the roof—
typical for January in Michigan—he could not perform the full, necessary maintenance. So Wood
performed what maintenance he could under the then-existing weather conditions. A similar
sequence of events occurred in February 2017. OLM hired Wood to return because of another
leak and he performed limited maintenance due to the ice and snow. Wood characterized the
condition of the roof as “messed up.” When he first climbed up to the roof, it was “all water,”
“like a lake.” Some areas were sagging and the drain wasn’t working properly. In short,
“[e]verything was bad on the roof.” Wood described his temporary fix—draining the water and
patching some areas with roof tar—as “put[ting] a Band-Aid on a damaged roof.”
By July of 2017, the weather had improved and OLM hired a different roofer, who provided
some maintenance to the roof. Then in August, OLM hired King’s Roofing to provide additional
maintenance and prepare the roof for the following winter. Andrew Yonko, the owner of King’s
Roofing, examined the roof and described it as being in “okay condition, but it needed work done.
Definitely needed maintenance.” He observed water ponding on the roof in “low spots” and that
seams in the waterproof membrane were “starting to blister up . . . [and] crack up.” Yonko
explained that the weight of water ponding on a roof tends to “pull[ ] apart” a roof membrane, and
that seams will deteriorate because of normal “wear and tear.” He estimated that the lifespan of a
roof like the building had would typically be between fifteen and twenty years. By the summer of
2017, the roof at issue here was at least thirty-five years old.
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No. 19-1994, O.L. Matthews, M.D., P.C. v. Harleysville Ins. Co.
King’s Roofing gave OLM an estimate to repair the roof, which OLM approved. But
before King’s could begin its work, water leaked into the building and caused significant damage
to the inside, including the light fixtures, the carpeting, and even the door locks. King’s eventually
repaired the roof, but the damage was done. OLM promptly filed a second claim with Harleysville,
which hired David Walenga, a structural engineer, to investigate and determine the “cause of loss.”
Walenga examined the roof in October 2017 and reached three major conclusions. First,
Moisture is intruding into the subject building due to the exploitation of breaches
in the roof from latent defects and a lack of proper and timely maintenance or repair.
The roof lacks sufficient pitch or drainage to prevent ponding. Ponded moisture is
capable of intruding into the building via defects such as failed or weak membrane
seams, and failed penetration flashings.
Second, based on the corrosion of metal in the ceiling and damage to the ceiling tiles, “[m]oisture
ha[d] been intruding into the subject building to some degree for a duration well exceeding the
timeframe between the claimed loss period, and [the] inspection date.” Third, Walenga found “no
indication that the roof ha[d] been displaced or damaged by a singular weather-related event, such
as wind.” Weather records showed no severe or high wind speeds during the loss period, and the
previous repairs to the roof indicated gradual deterioration over a long period rather than a single,
severe event.
Relying on Walenga’s report, Harleysville concluded that “loss was caused by the
exploitation of breaches in the roof from latent defects and a lack of proper and timely maintenance
or repair” and that the Policy “does not provide coverage for this loss.” Accordingly, Harleysville
denied OLM’s second claim in December 2017. A letter communicating the denial identified
several exclusions in the Policy that, according to Harleysville, applied to preclude coverage.
Meanwhile, OLM hired its own expert to examine the roof, structural engineer Michael T.
Williams. For the most part, his conclusions were consistent with Walenga’s:
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No. 19-1994, O.L. Matthews, M.D., P.C. v. Harleysville Ins. Co.
• The roof deck . . . is failing. The more it sags, the more water is ponded every time
it gets wet. The more water is ponded in the low spots, the more it sags. With this
continued cycle of progressive failure of the deck, the entire deck must be replaced.
• The roof system has been repaired many times. The repairs have also added to the
weight of the roof. The additional weight plus the standing water caused by the
deck sags has overcome the roof deck’s ability to carry such loads.
• The weight of the ponded water stretches the roof membrane. This stretching is a
“tensile” loading. The weakest parts of the roof membrane are its seams or its
transition areas where it is wrapped over or around something. Those are the areas
where the roof system has failed[.]
Williams characterized the rainfall that led to the damage to the building in August 2017 as the
“straw that broke the camels’ [sic] back,” as “several areas . . . failed and could no longer support
the weight of the roof and the ponded water.”
OLM believed the damage to the building was covered under the Policy and filed suit
against Harleysville in Michigan state court, asserting a single count of breach of contract under
Michigan law.1 Following removal and discovery, Harleysville moved for summary judgment,
arguing that several “exclusions” or “limitations” contained in the policy precluded coverage for
the damage to the building. The district court agreed, granted the motion, and entered judgment
in favor of Harleysville. O.L. Matthews, M.D., P.C. v. Harleysville Ins. Co., 412 F. Supp. 3d 717(E.D. Mich. 2019). OLM timely appealed.
II.
“We review de novo a district court’s grant of summary judgment.” Keith v. Cty. of
Oakland, 703 F.3d 918, 923 (6th Cir. 2013). Summary judgment is proper “if the movant shows
that there is no genuine dispute as to any material fact and the movant is entitled to judgment as a
matter of law.” Fed. R. Civ. P. 56(a). A dispute is “genuine” if the evidence permits a reasonable
The complaint incorrectly identified Harleysville as “Harleysville Lake States Insurance
1
Company.”
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No. 19-1994, O.L. Matthews, M.D., P.C. v. Harleysville Ins. Co.
jury to return a verdict in favor of the nonmovant, and a fact is “material” if it may affect the
outcome of the suit. Anderson v. Liberty Lobby, Inc., 477 U.S. 242, 248 (1986). Viewing the
evidence in a light most favorable to the nonmoving party, our task is to determine “whether the
evidence presents a sufficient disagreement to require submission to a jury or whether it is so one-
sided that one party must prevail as a matter of law.” Id. at 251–52.
III.
Here, the parties agree as to the relevant facts, and this appeal turns on a legal issue: the
interpretation of an insurance policy. “An insurance policy is much the same as any other contract.
It is an agreement between the parties in which a court will determine what the agreement was and
effectuate the intent of the parties.” Heath v. State Farm Mut. Auto. Ins. Co., 659 N.W.2d 698,
699 (Mich. Ct. App. 2002) (per curiam). In doing so, “we look[ ] to the contract as a whole.”
Auto-Owners Ins. Co. v. Harrington, 565 N.W.2d 839, 841 (Mich. 1997). “If
the insurance contract sets forth definitions, the policy language must be interpreted according to
those definitions. If a term is not defined in the policy, it is to be interpreted in accordance with
its commonly used meaning.” Heath, 659 N.W.2d at 699 (citation omitted). If a contract is
unambiguous, it is “not open to judicial construction and must be enforced as written.” Rory v.
Cont’l Ins. Co., 703 N.W.2d 23, 30 (Mich. 2005) (emphasis omitted).
“Interpretation of an insurance policy ultimately requires a two-step inquiry: first, a
determination of coverage according to the general insurance agreement and, second, a decision
regarding whether an exclusion applies to negate coverage.” Harrington, 565 N.W.2d at 841.
“Under Michigan law, an insured loses coverage under a policy if one of the policy’s exclusions
applies to the insured’s particular claims.” Seaway Cmty. Bank v. Progressive Cas. Ins. Co., 531
F. App’x 648, 651 (6th Cir. 2013) (citing Auto-Owners Ins. Co. v. Churchman, 489 N.W.2d 431,
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No. 19-1994, O.L. Matthews, M.D., P.C. v. Harleysville Ins. Co.
434 (Mich. 1992)). “Exclusionary clauses in insurance policies are strictly construed in favor of
the insured,” Churchman, 489 N.W.2d at 434, but “[c]lear and specific provisions that limit
coverage must be given effect because an insurance company cannot be held liable for a risk that
it did not assume.” Jervis Webb Co. v. Everest Nat. Ins. Co., 650 N.W.2d 722, 725 (Mich. Ct. App.
2002).
Here, the Policy provides that Harleysville “will pay for direct physical loss of or damage
to Covered Property . . . caused by or resulting from any Covered Cause of Loss.” “Covered
Property” includes the building in question here. And the Policy defines “Covered Causes of Loss”
as [r]isks of direct physical loss unless the loss is” either “excluded” in the Policy’s list of
exclusions or “limited” in its separate list of limitations. OLM repeatedly emphasizes that the
Policy is an “all-risk” insurance policy. “An ‘all-risk’ policy creates coverage of a type not
ordinarily present under other types of insurance, and recovery is allowed for fortuitous losses
unless the loss is excluded by a specific policy provision.” 10A Steven Plitt et al., Couch on
Insurance § 148:50 (3d ed. 2019). But an “all-risk” policy does not cover every risk; a court must
carefully examine the policy’s exclusions and limitations to determine whether a particular loss is
covered.
Thus, this case turns on whether at least one of the Policy’s exclusions or limitations applies
to bar coverage for the water damage to the building. Three are at issue here. We take them one
at a time.
A.
The Policy excludes from coverage “loss or damage caused by or resulting from”:
Faulty, inadequate or defective:
(1) Planning, zoning, development, surveying, siting;
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No. 19-1994, O.L. Matthews, M.D., P.C. v. Harleysville Ins. Co.
(2) Design, specifications, workmanship, repair, construction, renovation,
remodeling, grading, compaction;
(3) Materials used in repair, construction, renovation or remodeling; or
(4) Maintenance;
of part or all of any property on or off the described premises.
Harleysville argues that this “Negligent Work Exclusion” applies because the roof was improperly
designed to have the drain situated higher than the rest of the roof. To function properly, a drain
needs to be at the lowest point to ensure that water flows into it (instead of ponding elsewhere on
the roof). According to Harleysville, the drain’s placement led to the ponding of water on the roof,
which led to the membrane tearing and the damage to the inside of the building.
Expert testimony supports this contention. Williams, OLM’s expert, testified that “the
drain is set too high,” and explained that between the placements of the roof joists and the drain,
“the roof deck must support the weight of almost five inches of water before it can discharge into
the roof drain.” Williams also stated that the weight of the water on the roof was caused by “the
bad design of the roof,” which included “the bad design of where the drain was.” Walenga,
Harleysville’s expert, stated in his report that “[t]he region surrounding the roof drain is relatively
higher than the field of the roof,” which “prevents drainage.” This is also consistent with the
roofers’ observations. Wood, the first roofer, couldn’t remember how high the drain was, but he
did observe that it “wasn’t doing anything” and the water “wasn’t draining properly.” Yonko
testified that the drain was “a little high” and admitted that “if the drain is one and three-quarter
inches above the roof deck,” it was “probably . . . design[ed]” improperly.
OLM offers no evidence to dispute its own expert’s statement that the roof’s poor design
led to the damage to the building in August 2017. In fact, OLM states in its brief that “it is
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No. 19-1994, O.L. Matthews, M.D., P.C. v. Harleysville Ins. Co.
undisputed that the excluded peril of negligent work (i.e., defective design) caused or set in motion
the subsequent covered peril of Water infiltration, which in turn caused water damage.” Instead,
OLM argues that a different provision—an ensuing-loss clause—in the Policy “serves as an
exception” to the Negligent Work Exclusion and thus preserves coverage. Such a “provision
provides coverage for specific types of losses that are otherwise covered in the policy when that
loss is the result of the occurrence of an excluded peril.” 11 Steven Plitt et al., supra § 153:70.
“For example, a policy may provide that it does not cover any loss caused by earth movement.
However, any ensuing loss by fire which is not excluded or excepted is covered. This means the
policy covers loss caused by fire that would not have occurred but for the earth movement.” Id.
(footnote omitted). Thus, an ensuing-loss clause may be aptly characterized as an “exception to
[an] exclusion.” And here, OLM identifies this ensuing-loss clause in the section of the Policy
that contains the Negligent Work Exclusion:
We will not pay for loss or damage caused by or resulting from any of the following
Paragraphs [including the Negligent Work Exclusion]. But if an excluded cause of
loss that is listed in [this section] results in a Covered Cause of Loss, we will pay
for the loss or damage caused by that Covered Cause of Loss.
OLM argues that the district court erred by ignoring this clause and instead applying
Michigan’s “default rule” of causation—the “anti-concurrent” causation rule—which holds “that
a loss is not covered when it is caused by a combination of a covered risk and an excluded risk.”
Iroquois on the Beach, Inc. v. Gen. Star Indem. Co., 550 F.3d 585, 589 (6th Cir. 2008). In Iroquois,
which the district court relied on below, an insurer denied coverage for damage to a building based
on the policy’s exclusion for continuous water leakage that occurs for longer than two weeks. Id.
at 587. The insured argued that the exclusion did not apply for two related reasons. First,
“windstorms, a covered loss under the policy, initiated the sequence of events that resulted in the
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No. 19-1994, O.L. Matthews, M.D., P.C. v. Harleysville Ins. Co.
loss.” Id. Second, the section of the policy that contained the exclusion did not include an “anti-
concurrent, anti-sequential” clause (whereas a different section of the policy did contain such a
clause). Id. at 587–88.
The insured argued that the court should instead apply “the doctrine of ‘efficient proximate
cause,’” which “applies when ‘two or more identifiable causes, at least one of which is covered
under the policy and at least one of which is excluded thereunder, contribute to a single loss.’” Id.
at 588 (quoting 7 Steven Plitt et al., supra § 101.45). “Under this doctrine, ‘[i]f the cause which
is determined to have set the chain of events in motion, the efficient proximate cause, is covered
under the terms of the policy, the loss will likewise be covered.’” Id. (alteration in original). The
court rejected the insured’s argument and applied the anti-concurrent causation rule because that
was Michigan’s default rule and no language in the policy indicated that the parties had contracted
out of it. Id. at 588–89.
OLM made a similar argument to the district court, which rejected it with a straight
application of Iroquois. Matthews, 412 F. Supp. 3d at 720–23. But the court did not meaningfully
engage with OLM’s other argument that the Policy’s ensuing-loss clause abrogated or modified
the default anti-concurrent causation rule.2 On this point, OLM is correct. Both are rules of
causation that, by their terms, cannot coexist side by side. That is, in a situation where a covered
cause and a non-covered cause both contribute to a loss, applying the anti-concurrent causation
rule would preclude coverage every time, while an ensuing-loss clause would preserve coverage
2
The district court only mentioned in passing that OLM “further asserts that the exclusions
listed in Section (B)(3) permit coverage for ensuing loss resulting from the weight of rain ponding
on the roof, therefore none of the (B)(3) exclusions are applicable here because the evidence shows
that the weight of the ponding water on the roof caused the loss.” Matthews, 412 F. Supp. 3d at
720.
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No. 19-1994, O.L. Matthews, M.D., P.C. v. Harleysville Ins. Co.
in some circumstances. And Iroquois does not control here, as the policy there did not contain an
ensuing-loss clause or any other contractual provision that would modify the default rule. Because
we must “look to the plain language of the insurance policy in determining the scope of coverage,”
Busch v. Holmes, 662 N.W.2d 64, 67 (Mich. Ct. App. 2003), the ensuing-loss clause that appears
in the Policy controls, rather than the default anti-concurrent causation rule.
According to OLM, this would play out here as follows. The Negligent Work Exclusion
precludes coverage for the damage to the roof (i.e., the sagging, cracking, and eventual breach of
the membrane) because it was caused by the defective design of the roof drain. The damage to the
roof caused the water leak, which in turn caused the damage to the building’s interior. The
ensuing-loss clause, the argument goes, preserves coverage for the interior damage because an
“excluded cause of loss result[ed] in a Covered Cause of Loss.”
The problem for OLM is that ensuing-loss clauses do not necessarily preserve coverage
with respect to every exclusion in an insurance policy. We must continue to examine the entire
Policy “as a whole,” Harrington, 565 N.W.2d at 841, including the two other exclusions or
limitations identified by the district court.
B.
The Policy excludes from coverage “loss or damage caused by or resulting from”:
(1) Wear and tear;
(2) Rust or other corrosion, decay, deterioration, hidden or latent defect or any
quality in property that causes it to damage or destroy itself;
(3) Smog;
(4) Settling, cracking, shrinking or expansion[.]
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No. 19-1994, O.L. Matthews, M.D., P.C. v. Harleysville Ins. Co.
“Wear and tear” is defined as “[d]eterioration caused by ordinary use; the depreciation of property
resulting from its reasonable use.” Wear and Tear, Black’s Law Dictionary 1827 (10th ed. 2014).
“Damage resulting from normal ‘wear and tear’ is often excluded from coverage because it is a[ ]
type of nonfortuitous loss.” 11 Steven Plitt et al., supra § 153:77. Unlike the Negligent Work
Exclusion, this “Wear and Tear Exclusion” does not have an ensuing-loss clause. So the default,
anti-concurrent causation rule applies, and if wear and tear contributed to the loss, the Policy does
not cover it. See Iroquois, 550 F.3d at 589.
The following caveat does apply, however: “If an excluded cause of loss [including those
that fall within the Wear and Tear Exclusion] results in a ‘specified cause of loss’ or building glass
breakage, [Harleysville] will pay for the loss or damage caused by that ‘specified cause of loss’ or
building glass breakage.” The Policy defines “specified cause of loss” as “[f]ire; lightning;
explosion; windstorm or hail; smoke; aircraft or vehicles; riot or civil commotion; vandalism;
leakage from fire extinguishing equipment; sinkhole collapse; volcanic action; falling objects;
weight of snow, ice or sleet; water damage.” The only plausible option among these is “water
damage,” which the Policy defines as “accidental discharge or leakage of water or steam as the
direct result of the breaking apart or cracking of any part of a system or appliance (other than a
sump system including its related equipment and parts) containing water or steam.” Using that
definition, the water damage to the building here does not qualify as a “specified cause of loss”
under this exception to the Wear and Tear Exclusion because a roof is plainly not a “system or
appliance.” See System, Merriam-Webster.com Dictionary, https://www.merriam-
webster.com/dictionary/system (last visited Aug. 25, 2020); Appliance, Merriam-Webster.com
Dictionary, https://www.merriam-webster.com/dictionary/appliance (last visited Aug. 25, 2020).
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No. 19-1994, O.L. Matthews, M.D., P.C. v. Harleysville Ins. Co.
OLM does not dispute that wear and tear contributed to the damage to the building in this
case. In fact, it does not even mention this exclusion in its brief, despite the district court’s
extensive discussion of it. See Matthews, 412 F. Supp. 3d at 719–20. “[W]e will treat an argument
as forfeited when it was not raised in the opening brief.” Island Creek Coal Co. v. Wilkerson, 910
F.3d 254, 256 (6th Cir. 2018) (internal quotation marks omitted). Beyond that, after Harleysville
filed its brief on appeal arguing that the Wear and Tear Exclusion applied to bar coverage, OLM
did not file a reply brief or otherwise make any effort to respond.
Even without the forfeiture, though, there is no genuine dispute that this exclusion applies.
The record shows that wear and tear was a cause of the loss here. Yonko testified that the seams
on the roof membrane had deteriorated because of “[w]ear and tear.” He also stated that a roof
like the one on the building should be replaced every fifteen to twenty years. (Id.) We know from
Dr. Matthews’ testimony that the building had the same roof for at least thirty-five years prior to
August 2017. Wood identified “a lot of other issues [with the roof] besides the drain,” including
“lots of little holes,” “soft spots,” “seams that w[ere] open,” and “sagging.” Wood further opined
that the roof needed to be replaced. Walenga’s report stated that the evidence of previous repairs
to the roof was “symptomatic of those performed related to deterioration of the roof and attempts
to address deferred maintenance.” And Williams, OLM’s expert, testified that “the wear and tear
that [the roof] has received is from the weight of the water pulling the membrane apart.”3
3
The district court pointed out that “Williams’ testimony is difficult to follow,” as he also
testified that “I wouldn’t use the word wear and tear. I’m saying long-term damage to the
sheeting.” Matthews, 412 F. Supp. 3d at 720 n.1. At the end of his deposition, he attempted to
clarify: “Normally in construction trades, the term wear and tear refers to ordinary deterioration
of a building product based upon exposure to weather-related things and normal aging process. In
this instance, the only thing you could characterize as wear and tear, in my opinion, is the tearing
and pulling apart of the membrane that was caused by the weight of the water because of the
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No. 19-1994, O.L. Matthews, M.D., P.C. v. Harleysville Ins. Co.
To be sure, a broad interpretation of “wear and tear” combined with the application of the
anti-concurrent causation rule could lead to coverage being denied in nearly any situation, even
with an all-risk policy. See Meridian Leasing, Inc. v. Associated Aviation Underwriters, Inc., 409
F.3d 342, 352–53 (6th Cir. 2005); see also Churchman, 489 N.W.2d at 434 (“Exclusionary clauses
in insurance policies are strictly construed in favor of the insured.”). But that concern certainly
does not arise here, where the roof had outlived its intended life twice over and had been poorly
maintained and monitored during that time. Moreover, the Wear and Tear Exclusion is not the
only provision of the Policy that bars coverage in this case.
C.
In the “Limitations” section, the Policy provides that Harleysville “will not pay for loss or
damage to”:
(5) The interior of any building or structure caused by or resulting from rain, snow,
sleet, ice, sand or dust, whether driven by wind or not, unless:
(a) The building or structure first sustains damage by a Covered Cause of Loss
to its roof or walls through which the rain, snow, sleet, ice, sand or dust
enters; or
(b) The loss or damages caused by or results from thawing of snow, sleet or ice
on the building or structure.
Again, the relevant facts here are undisputed.4 OLM admits that there was “severe and pervasive
water infiltration and resulting water damage to the interior of the Building from water that had
collected on the roof.” OLM also states that “the weight of rain that collect[ed] on [the] roof . . .
cause[d] water infiltration.”
ponding on the roof. So I call that water weight related damage, not quote, unquote, wear and
tear.”
4
And again, OLM does not address this policy provision in its brief.
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This “Leakage Limitation” provision has its own unique exceptions that preserve coverage
in some circumstances. First, subsection (b) doesn’t apply here because no snow, sleet, or ice was
present on the roof. Second, this limitation is not modified by an ensuing-loss clause, but
subsection (a) is somewhat similar to one. Instead of requiring that an excluded cause of loss lead
to a covered one, however, it requires that a covered cause of loss lead to the rain (etc.) damaging
the interior of the building. This exception does not apply here because both causes of the damage
to the roof “through which the rain . . . enter[ed]”—negligent design of the drain and wear and tear
to the roof itself—are excluded causes of loss under the Policy. The district court was correct to
conclude that the Leakage Limitation “applies and precludes coverage for damage to the interior
of the building because it did not first sustain damage by a Covered Cause of Loss to its roof.”
Matthews, 412 F. Supp. 3d at 723 (brackets and internal quotation marks omitted).
D.
“Under Michigan law, an insured loses coverage under a policy if one of the policy’s
exclusions applies to the insured’s particular claims.” Seaway Cmty. Bank, 531 F. App’x at 651
(emphasis added). The Wear and Tear Exclusion and the Leakage Limitation both apply here, and
as a result, the damage to the inside of the building did not result from a “Covered Cause of Loss”
under the Policy. Thus, despite the district court’s error in applying the wrong causation standard
to the Negligent Work Exclusion, we find that its grant of summary judgment on the basis of these
other provisions was proper. See Loftis v. United Parcel Serv., Inc., 342 F.3d 509, 514 (6th Cir.
2003) (“[I]n reviewing a lower court decision, we may affirm for any reason presented in the
record . . . .”)
IV.
For the reasons discussed above, we affirm the district court’s judgment.
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