Mealey's (October 6, 2021, 9:32 AM EDT) -- SAN FRANCISCO — The Ninth Circuit U.S. Court of Appeals on Oct. 1 affirmed a lower federal court’s dismissal of a retailer insured’s class complaint seeking coverage under a comprehensive business insurance policy for its claimed losses following the state’s “Stay at Home” order in response to the coronavirus pandemic, finding that its interpretation that the phrase “direct physical loss of or damage to” insured property requires physical alteration of property is consistent with other policy provisions....