( March 21, 2025, 8:45 AM EDT) -- ST. LOUIS — Finding that an insurance policy is not ambiguous and that the ensuing loss clause does not restore coverage because a flooring subcontractor insured did not identify a separate “‘covered peril,’” the Eighth Circuit U.S. Court of Appeals affirmed a lower court’s ruling granting summary judgment to the insurer in the subcontractor’s breach of contract and declaratory relief action seeking coverage for replacement of a gym floor that was damaged by a defective paint job....