Florida East Coast Holdings Corp. v. Lexington Insurance Co.
A railroad removed and later reinstalled crossing gates at roughly 600 locations ahead of Hurricane Irma, and its insurers denied the resulting claim as below the deductible. Applying Florida contract-construction principles, the Eleventh Circuit held that only the policy's 'Protection and Preservation of Property' provisions (Sections B and C) covered the precautionary expenses and related lost revenue, but that the applicable named-windstorm deductible was the $750,000 minimum — not 5% of the value of the protected (undamaged) locations — because no locations were damaged.
🔒 Read the full opinion, holding & search the library
The full opinion PDF, the rules the court applied, our significance analysis, the background facts, and full-text search across every tracked Florida decision are available to members. Start a free 30-day trial — no credit card.
Not ready to sign up? Get the free Friday digest — the week's key Florida decisions by email, no login required.
Florida Court Tracker provides summaries of publicly available court opinions for informational and research purposes only. This is not legal advice and does not create an attorney–client relationship. Always verify holdings against the official opinion.