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The court declared the applicant's cabin damage covered by insurance, finding it was caused by a windstorm rather than excluded settling.
The court considered whether damage to Mr. Hood’s seasonal cabin was caused by an insured peril (windstorm) or by settling, which was excluded under the insurance policy.
After reviewing expert evidence and witness affidavits, the court found that a windstorm was the direct cause of the loss and that the exclusion for settling did not apply.
The court declared the loss covered under the policy.
