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Here, the Insured (a homeowner’s association) submitted a claim for roof damage.

"It should have known a day of reckoning would come should it lose in the end."

Florida's picturesque coastline and temperate climate attract many residents and tourists, but it also exposes the state to the adverse effects of climate change.

Despite the challenges presented by the housing crisis in Florida, there are glimmers of hope through various affordable housing initiatives.