Extract to table

Any residual ambiguity in the endorsement language must be construed against Ironclad under the well-established contra proferentem doctrine under Florida law

Florida case law supports VHG's position that the "reasonable speed" standard must account for the actual market conditions and regulatory constraints prevailing in the post-catastrophe environment

Ironclad must demonstrate not only that flood contributed to the loss, but that the loss falls squarely within the exclusion