(January 29, 2016, 1:28 PM EST) -- WORCESTER, Mass. — An insurer did not waive a policy’s reference provision when it denied an insured’s claim for water damages arising out of burst water pipes in the insured home, a Massachusetts federal judge said Jan. 27 in ordering the parties to submit their dispute to a group of referees (Ingrid B. Kiley v. Metropolitan Property and Casualty Insurance Co., No. 14-40131, D. Mass.; 2016 U.S. Dist. LEXIS 9601)....