(April 4, 2018, 3:50 PM EDT) -- FARGO, N.D. — An insured is owed coverage for water damage caused by an underground cracked pipe because the policy at issue includes an exception to the wear-and-tear exclusion that specifically defines water as a specified cause of loss, a North Dakota federal judge said April 2 (Spring Glen Apartments LLP v. Arch Specialty Insurance Co., No. 17-28, D. N.D.)....