The Florida windstorm-only policy promises to pay for "direct physical loss to property" caused by the perils insured against. (Bloomberg) The Florida windstorm-only policy promises to pay for "direct physical loss to property" caused by the perils insured against. (Bloomberg)

Analysis brought to you by the experts at FC&S Online, the recognized authority on insurance coverage interpretation and analysis for the P&C industry. To find out more — or to have YOUR coverage question answered — visit the National Underwriter website, or contact the editors via Twitter: @FCSbulletins.

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