Royal Capital Dev., LLC v. Maryland Casualty Co.

This case involved a dispute over the proper interpretation under Georgia law of a real property insurance contract between plaintiff and defendant. The insurance policy provided coverage for "direct physical loss of or damage to" a building plaintiff owned in the Buckhead area of Atlanta. At issue was whether the Georgia courts would hold that the State Farm Mutual Automobile Insurance Company v. Mabry rule extended to standard insurance contracts for buildings. Because this was an important unsettled question of state law, and there was no controlling precedent from the Georgia state courts, the court certified the question to the Supreme Court of Georgia.