Opinion ID: 4582948
Heading Depth: 3
Heading Rank: 1

Heading: Florida Keys Media and Holladay

Text: As owners of the damaged properties, Florida Keys Media and Holladay argue that they have standing to sue Houston because Houston’s partial denial of the 9 USCA11 Case: 19-12276 Date Filed: 11/02/2020 Page: 10 of 21 claim—irrespective of which Insured initially filed it—causes them injury. Florida Keys Media and Holladay point to the facts that their properties suffered damage, and Houston, their insurer, has refused to pay to remedy the damage that their policy allegedly covers. They assert that, under the policy, it is irrelevant to coverage whether they filed the claim or any other named insured did so, as long as one of the named Insureds filed a claim for the Florida Keys Media- and Holladay-owned properties.4 Based on the policy language, we agree. The policy contained the following relevant language: PROPERTY COVERAGE PART In this coverage form, the words “you” and “your” mean the persons or organizations named as the insured on the declarations and the words “we”, “us”, and “our” mean the company providing this coverage.