BOSTON - A Massachusetts appeals panel on April 18 affirmed a lower court's finding that there is no genuine dispute of material fact that damage to an insured's dental office was caused in part by surface water and was not covered by an insurance policy (Deborah A. Himelhoch vs. Hartford Casualty Insurance Co., No. 13-P-793, Mass. App.; 2014 Mass. App. Unpub. LEXIS 525).