Mealey's (July 18, 2022, 12:06 PM EDT) -- FORT LAUDERDALE, Fla. — A Florida federal magistrate judge on July 15 recommended granting an insurer’s motion for summary judgment and denying the insured’s motion for summary judgment because the policy’s water damage extension clearly limits the insured’s recovery for water damages to $5,000 and no additional coverage is afforded for tear-out costs necessary to access the broken drain line that caused the water damage in the insured’s property....