The actual or potential presence of COVID-19 on an insured’s premises generally does not constitute direct physical loss or damage to property within the meaning of a commercial property insurance policy under California law. Direct physical loss or damage to property requires a distinct, demonstrable, physical alteration to property. Any alternation of the premises due to the adherence of COVID-19 virus to the structure’s surfaces does not result in injury to or impairment of the property itself. Risk to humans or public health orders that render the property unfit for its ordinary use or prohibit that use do not result in or from physical loss or damage to the property itself.