Insurance — Homeowners — All risk policy — Water damage — Breach of contract claim filed against insurer alleging that pool’s leaking drain pipe caused damages covered under policy — Trial court erred in granting summary judgment in favor of insurer based on finding that policy’s water damage exclusion barred insureds’ claim — Language of water damage exclusion provisions in policy plainly referred to naturally-flowing water or waterborne material existing outside of the plumbing system — Because trial court did not rule on policy’s “wear and tear” exclusion, insureds’ argument that exclusion did not apply is not ripe for appellate review