A state court judge in Louisiana has handed the insurance industry another setback in its efforts to invoke flood exclusion policy language to avoid paying hurricane damage claims.

Judge Edward D. Rubin with the 15th Judicial District Court in Lafayette, La. made his ruling Monday in a case which pitted a Vermillion Parish couple, Mark and Barbara Landry, against the state's insurer of last resort, Citizens Property Insurance Corp.

Citizens plans an appeal and an insurance industry spokesperson said he was confident the ruling would be overturned.

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