In Crocker v. American National General Insurance Co., 211 S.W.3d 928, 936 (Tex. App.--Dallas 2007, no pet.), the court determined whether the meaning of "surface water," as used in an exclusion in a homeowner's policy, reasonably included rain water that had collected on the surface of a raised patio before flowing into the insured's home. Id.
The court concluded that "an average reasonable person would not limit surface water to rain falling only on dirt and not on any paved surfaces or other structures." Id.