Mr. Cox's home was destroyed by Hurricane Ivan in 2004. He had a windstorm policy with Florida Farm Bureau Casualty that specifically excluded losses caused by rising water. He had no flood insurance. Some of the damage to his home was caused by flood. The First District Court of Appeal ruled that Florida's "valued policy law" required Florida Farm to pay the full policy limit to Mr. Cox if any damage had been caused by winds. The insurer appealed to this Court, arguing the 1st DCA decision overlooked the purpose and the plain language of the "valued policy law." Mr. Cox argues water and wind together destroyed his home and that the 1st DCA decision was based on the unambiguous wording of the law.