Litigation ensued concerning whether the Student Life Bible camp or the conference center held the financial responsibility for Karlee's injuries. Student Life was insured by Great American Alliance Ins. Co., which filed suit in U.S. District Court seeking a declaration that it was not liable. The District Court ruled that Windmere was covered by Student Life's policy through Great American as an additional insured, only if its liability arose out of the ownership, maintenance or use of that portion of the premises leased to the camp. The panel ruled that the accident only arose out of the use of the leased premises in that if she had not been attending the Bible camp, she would not have used the zip line course. The court stated that nothing about the use of those areas caused the accident or made it more likely to occur and that the connection was only a "temporal and/or spatial one" not originating from the use of the leased premises. The court ordered summary judgment in favor of Great American.

Editors Note: The crucial question here is whether Kailee's zipline accident arose out of the use of the premises that Windermere leased to Student Life. The Edge was a separate part of the premises that was under the supervision and control of Windermere and its employees. The campers did not have access to The Edge without being granted specific permissions and paying an additional fee. Although this fee was paid and those permissions were granted, Student Life was not leasing that area. The court ruled in favor of Student Life's insurer.