11th Circuit: COVID-19 Did Not Cause ‘Tangible Alteration’ To Properties, No Coverage

Mealey's (May 9, 2022, 1:14 PM EDT) -- ATLANTA — An 11th Circuit U.S. Court of Appeals panel on May 5 held that, under Florida law, “all-risk” commercial insurance policies do not provide coverage for losses and expenses incurred by businesses as a result of the coronavirus because COVID-19 did not cause a “tangible alteration” of their insured properties....

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