It's the second wind-versus-flood insurance case to reach Florida's 1st District Court of Appeal. A three-judge panel has yet to rule on a similar appeal made in May by lawyers for Florida Farm Bureau Casualty.

In both cases, lawyers for hurricane victims argue Florida law requires insurers to pay policy limits for a home destroyed by wind, even if floods caused some or most of the damage. Panhandle victims of Hurricane Ivan figure in both cases.