Mealey's (March 16, 2022, 12:25 PM EDT) -- SAN JOSE, Calif. — An insured’s claims for breach of contract and bad faith fail because there was no physical damage to insured property as a result of shutdown orders issued in the wake of the COVID-19 pandemic and because the policy’s microorganism exclusion precludes coverage, a California federal judge said March 14 in granting the insurer’s motion for judgment on the pleadings....