This isn't a good thing for Nagico. What business or property owner in such a area would insure a structure only for fire? Especially, when the threat of windstorm damage is always present during hurricane season? If they claimed that damage was caused by flooding/storm surge, businesses may have needed to endorse that additional coverage onto their policy. But, typically when damage is caused by windstorm (the roof being torn away), resulting damage from heavy rain, etc. would also be covered. I wonder how many other claims are still being challenged some 17 months after Irma?