( May 18, 2020, 10:05 AM EDT) -- TRENTON, N.J. — A New Jersey appeals panel on May 14 affirmed a lower court’s ruling that no insurance coverage is owed for insureds’ Superstorm Sandy damage because their Mantoloking, N.J., homes were destroyed by surface water that flooded their properties during Superstorm Sandy (Estate of Ronald Doerfler, et al. v. Federal Insurance Company, Nos. A-4215-18T1 and A-4217-18T1, N.J. Super., App. Div., 2020 N.J. Super. Unpub. LEXIS 920)....