Mealey's (October 30, 2015, 12:37 PM EDT) -- HOUSTON — A homeowners insurance policy’s water damage exclusion precludes coverage for damage to insureds’ home caused by surface water, a Texas appeals panel affirmed Oct. 29 (Peter Tsai and Barbara Tsai v. Liberty Mutual Insurance Co., No. 01-14-00677-CV, Texas App., 1st Dist.; 2015 Tex. App. LEXIS 11147)....