( March 11, 2024, 3:04 PM EDT) -- COLUMBIA, S.C. — An insured is owed coverage only for cleaning structures at its wastewater facilities that were contaminated with polychlorinated biphenyls (PCBs) because the contamination of the affected structures constitutes direct physical loss or damage under the policy at issue, the South Carolina Court of Appeals said in partially affirming and partially reversing and remanding a master’s order....