SHERMAN, Texas - In light of the plaintiff homeowners' failure to respond to their insurer's summary judgment motions in a case surrounding purported damages from a toilet overflow, a Texas federal magistrate judge on Nov. 25 recommended that summary judgment be granted in the insurer's favor (Keith Smith, et al. v. Allstate Texas Lloyds, No. 4:12-cv-00486, E.D. Texas; 2013 U.S. Dist. LEXIS 166933).