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The Plaintiffs claimed that the policy\'s "natural disaster" provision  was rendered a nullity; it would allow for coverage in instances when  all the resorts in a state closed indefinitely for a natural disaster  but reopened one month later thus not ceasing ski operations altogether  for the season which is not what eliminated the Plaintiffs desire to  ski.  The trial court\\u2019s decision was affirmed.  ZALMA OPINION  The Ninth Circuit, unlike the Plaintiffs, the lawyers for the  Plaintiffs, and the District Court, read the full policy and found that  it did not matter whether the Plaintiffs were quarantined because their  loss happened after the policy, by its terms, had expired.  (c) 2022 Barry Zalma & ClaimSchool, Inc.  Subscribe and receive videos limited to subscribers of Excellence in  Claims Handling at locals.com https://zalmaoninsurance.locals.com/subscribe.   Go to substack at substack.com/refer/barryzalma Consider subscribing to  my publications at substack at substack.com/refer/barryzalma   Barry Zalma, Esq., CFE, now limits his practice to service as an  insurance consultant specializing in insurance coverage, insurance  claims handling, insurance bad faith and insurance fraud almost equally  for insurers and policyholders. He practiced law in California for more  than 44 years as an insurance coverage and claims handling lawyer and  more than 54 years in the insurance business. He is available at http://www.zalma.com and zalma@zalma.com  Write to Mr. Zalma at zalma@zalma.com; http://www.zalma.com; http://zalma.com/blog; daily articles are published at https://zalma.substack.com. Go to the podcast Zalma On Insurance at https://anchor.fm/barry-zalma; Follow Mr. Zalma on Twitter at https://twitter.com/bzalma; Go to Barry Zalma videos at Rumble.com at https://rumble.com/c/c-262921; Go to Barry Zalma on YouTube- https://www.youtube.com/channel/UCysiZklEtxZsSF9DfC0Expg; Go to the Insurance Claims Library \\u2013 https://zalma.com/blog/insurance-claims-library