The United States District Court for the Eastern District of Pennsylvania recently held that an insurer did not act in bad faith or breach of contract when it refused to defend and indemnify an insured in an underlying action in which the insured was accused of concealing water damage, as there was no "property damage" as required by the insurance policy to trigger the insurer's duty to defend. For a detailed summary of the case of Foglia v. Metropolitan Property and Casualty Insurance Company visit the following url: