SCRANTON, Pa. - Fact issues exist as to whether Subway franchise owners had a policy that only covered personal property and whether an assignment actually occurred between the franchise owners and the franchise's previous owner under the terms of a standard flood insurance policy (SFIP), a Pennsylvania federal judge ruled July 2, denying the insurer's motion for summary judgment (Mahakali Krupa LLC, et al. v. Allstate Insurance Co., No. 3:12-CV-00569, M.D. Pa.; 2014 U.S. Dist. LEXIS 90374).