Last month, the Florida Supreme Court decided to rule against the insurer in a dispute involving paying for damage to a home that ultimately required demolishing because of water intrusion and defects in the construction. The home sustained water damage in 2005 and it became worse when Hurricane Wilma passed through Southwest Florida.
The insurance company argued that the damage was caused by the home’s construction defects, something that was not covered in the policy the homeowner purchased. The homeowner’s attorneys believed that this damage should be covered as the rain and wind were what’s called “concurrent causes”, a subject that’s been the cause of significant debate.
The court initially ruled in favor of the homeowner, but an appeals court overturned the decision. Ultimately, the Florida Supreme Court rejected the appeals court’s reasoning, choosing to side with the homeowner.
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