According to the lawsuit, the storm caused “severe and increasing loss” to the shopping center’s flat roofing systems, asphalt shingle roofing systems, metal flashing, gutters, downspouts, appurtenances, and HVAC units. The property, described as a single-store, concrete masonry unit and multi-wythe brick structure with a combination of TPO, modified bitumen membranes, and three-tab, fiberglass-mat asphalt shingles, was insured by Auto-Owners for direct physical loss caused by wind and hail, subject to all terms, conditions, and exclusions of the policy.