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High court weighs whether "windstorm" deductible covers tornado damage

5766969 · September 12, 2025
AI-Generated Content: All content on this page was generated by AI to highlight key points from the meeting. For complete details and context, we recommend watching the full video. so we can fix them.

Summary

The justices heard divergent arguments over whether a homeowner policy's undefined term "windstorm" excludes tornadoes; insurers and amici cited case-law practice while homeowners and meteorology evidence emphasized precipitation and ordinary-meaning dictionaries.

The Supreme Court of Texas heard argument on whether the term "windstorm" in a homeowner policy's windstorm deductible covers damage caused by a tornado. Petitioner insurer counsel argued the ordinary meaning of "windstorm"—as found across dictionaries and lay usage—includes violent wind events such as tornadoes, and that the specific loss at issue had "little or no rain," citing meteorological summary evidence. "This is the case about whether the word windstorm in a deductible provision of a homeowner's policy, includes the tornado that damaged the Mankoffs' home,"…

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