DISCLAIMER:  The following unofficial case summaries are prepared by the clerk's office
                        as a courtesy to the reader. They are not part of the opinion of the court.

203211P.pdf   07/02/2021  Oral Surgeons, P.C.  v.  The Cincinnati Insurance Co.
   U.S. Court of Appeals Case No:  20-3211
   U.S. District Court for the Southern District of Iowa - Central   
   [PUBLISHED] [Wollman, Author, with Loken and Stras, Circuit Judges] 
   Civil case - Insurance. Plaintiffs submitted a claim for losses its 
   suffered as a a result of the governor of Iowa's suspension of 
   non-emergency dental procedures because of the COVID-19 pandemic and the 
   defendant refused coverage; the district court order dismissing the suit 
   is affirmed; under the policy provisions providing for business 
   interruption and extra expense, there must be some physicality to the loss 
   or damage to the insured's property in order for coverage to attach, and 
   pandemic did not qualify as a direct physical loss to property.