In the case, the Fourth District Court of Appeal affirms that insurance contracts are to be interpreted based on their plain meanings, express terms and conditions, and that insurance carriers are not to pay for more than they specifically bargained for when issuing insurance coverage to their insureds. (Credit: Donald Dunn) In the case, the Fourth District Court of Appeal affirms that insurance contracts are to be interpreted based on their plain meanings, express terms and conditions, and that insurance carriers are not to pay for more than they specifically bargained for when issuing insurance coverage to their insureds. (Credit: Donald Dunn)

Florida's Fourth District Court of Appeal rendered a decision in Dodge v. People's Trust Insurance, concerning coverage related to the failure of cast iron pipes in a breach of contract action, affirming a trial court's order regarding the applicability of the policy's exclusions section.

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