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IN THE UNITED STATES DISTRICT COURT
FOR THE EASTERN DISTRICT OF PENNSYLVANIA

DR. MARK PIECHOTA CREFELD  :
SCHOOL,  :
  Plaintiff, :
   :
v.  : Civ. No. 11-7188
   :
HARTFORD FIRE INSURANCE CO., :
  Defendant. :


Diamond, J. Jan. 23, 2013

MEMORANDUM

Plaintiff Crefeld School brings this coverage action against Defendant Hartford Fire Insurance Company for water damage to the School.  The Parties have stipulated to the facts and cross-moved for summary judgment.  (Doc. Nos. 16, 18.)  Because I conclude that the Hartford Policy does not cover the water damage, I will grant summary judgment in favor of Hartford.  
I. LEGAL STANDARDS
The Parties correctly agree that Pennsylvania law governs this dispute.  Regents of Mercerburg Coll. v. Republic Franklin Ins. Co., 458 F.3d 159, 163 (3d Cir. 2006) (an insurance contract is governed by law of state in which the contract was made).  
A. Summary Judgment
Upon motion of any party, summary judgment is warranted

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