A federal judge in Mississippi rules that the Nationwide Mutual Insurance homeowners' policy purchased by a Gulf Coast couple before Hurricane Katrina excludes coverage for “water and water-borne” damages caused by "flood, surface water, waves, tial waves, overflow of a body of water, [and] spray from these, whether or not driven by wind." The court concluded that “[a]lmost all of the damage to the [plaintiffs'] residence is attributable to the incursion of water.” The legal decision could affect thousands of similiar Nationwide Mutual Insurance policyholders affected by Hurricane Katrina.