Is Florida a proximate cause state? Proximate cause means that if the root of the damage is covered, any derivative damage is covered, regardless of whether or not it would have been allowable on its own.

I had an insurance company try that shit with me, when they said water damage wasn't covered even though the water intruded due to something that was covered. I let them know that I knew the law in my state was proximate cause, a different insurance company had lost a case within the last year making the same exact argument they had, and that if I sued them and won they would have to pay my attorney fees and triple damages.

They decided to pay after I told them I was very happy to take them to court in a lawsuit I was sure to win and profit handsomely from. A lot of times they will deny your claim simply hoping you'll go away, and when you don't they cave because they don't really have a lawful reason to say no. It's still bullshit though. You shouldn't have to fight to get what is lawfully yours.