Water damage tear out of a floor. The policyholder claimed that the endorsement did not limit "tear-out" expenses, and thus the expenses related to tearing out and accessing the damaged plumbing should not be subject to the $5,000 cap. (Photo: Leonard/Adobe Stock)

On June 29, 2022, Florida's Fourth District Court of Appeal issued a favorable decision for insurers, but on its face, the decision may seem to conflict with Fifth District law.

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