( May 12, 2023, 1:49 PM EDT) -- CONCORD, N.H. — The New Hampshire Supreme Court on May 11 held that the presence of SARS-CoV-2 in the air or on surfaces at insureds’ premises fails to satisfy a property insurance policy’s requirement of “loss or damage” or “direct physical loss of or damage to property” under Mellin v. Northern Security Insurance Co., reversing a lower court’s grant of partial summary judgment in favor of the insureds in a coronavirus coverage dispute....