(affirming the trial court’s summary judgment in favor of People’s Trust Insurance Company, ruling that the Water Damage Exclusion Endorsement in the homeowner’s insurance policy unambiguously excluded coverage for the loss, as the water damage was not caused by a peril insured against. The Court relied on the principle that insurance policy construction is a question of law subject to de novo review, citing Arguelles v. Citizens Prop. Ins. Corp., 278 So. 3d 108 (Fla. 3d DCA 2019) and Deshazior v. Safepoint Ins. Co., 305 So. 3d 752 (Fla. 3d DCA 2020).
https://supremecourt.flcourts.gov/content/download/2451604/opinion/Opinion_2023-2301.pdf