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The United States Court of Appeals for the Fourth Circuit affirmed the decision of the lower court that an insurer was not obligated to pay out a claim that did not fall under the terms of the policy. The case is All Risks, Ltd. v. Old White Charities, Inc., No. 17-1180, 2017 U.S. App. LEXIS 25742 (4th Cir. Dec. 20, 2017).

Old White Charities, Inc. (Old White) purchased an insurance policy through All Risks, Ltd. (All Risks) to protect Old White from the potential cost of a hole-in-one contest that was conducted during the 2015 Greenbrier Classic and Pro-Am golf tournament. The application for the policy stated that the hole in question had to be at least 150 yards from the tee. The executed policy specified that the hole must be at least 170 yards from the tee.

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