(January 3, 2017, 11:34 AM EST) -- COLUMBIA, S.C. — An insurer’s policy excludes coverage for flood damage to the insureds’ home, a South Carolina federal judge ruled Dec. 29, granting the insurer’s motion for judgment on the pleadings as to claims for breach of contract, breach of contract with fraudulent intent and bad faith refusal to pay (Stephen F. Morris and Martha Morris v. Auto-Owners Insurance Co., No. 16-00880, D. S.C.; 2016 U.S. Dist. LEXIS 179715)....