Hurricanes frances & jeanne occuring in september caused extensive damage to property of insured however, company denied liability for loss of fencing & pool enclosure.
Policyholders who acquired or renewed policies sfter july & before september were covered for such loss.
Barrier island property insurance could only be acquired from citizens & was renewed automatically.
The company doubled the deductible provisions of the policy by reducing loss for "depreciation" in violation of state policy.
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