of the earth but not forming part of a watercourse or lake ... most commonly derive[d] from rain, springs, or melting snow”), and correctly found that damage caused by surface water was unambiguously excluded from Lucky Leather’s insurance policy with Mitsui. Lucky Leather’s attempt to fit the water damage into the exception to the surface water exclusion contained in its insurance policy with Mitsui is unavailing. It makes no difference that the surface water that damaged Lucky Leather’s inventory pooled on the ground after exiting a neighbor’s drainage pipe; the drainage pipe did not back up or overflow, but rather expelled rain water onto the ground precisely as designed. See Cardio Diagnostic Imaging, Inc. v. Farmers Ins. Exch., 212 Cal.App.4th 69, 76, 150 Cal.Rptr.3d 798 (2012) (<HOLDING>) (emphasis added). 2. Even if we were to find
holding that article x  2 of the california constitution dictates the basic principles defining water rights that no one can have a protectible interest in the unreasonable use of water and that holders of water rights must use water reasonably and beneficially holding statute providing city may collect water fees in the same manner as  for the collection of sewer fees  is permissive not mandatory and poses no statutory prohibition against the collection of a water connection fee in different manner holding substantial completion had occurred because water district took possession of all the lines filled them with water and began using them to serve the customers of the water district holding that a lay person would understand the language in the exception cited by lucky leather to include both water that comes up out of a sewer drain or sump backs up and water that spills over from a sewer drain or sump overflows due to a blockage holding that a water right is a property right created by a person appropriating unappropriated water and applying it to a beneficial use