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Mobile homes stand in a flooded neighborhood in Bonita Springs, Florida, U.S., on Tuesday, Sept. 12, 2017. Hurricane Irma smashed into Southern Florida as a Category 4 storm, driving a wall of water and violent winds ashore and marking the first time since 1964 the U.S. was hit by back-to-back major hurricanes. (Photo: Daniel Acker/Bloomberg) Mobile homes stand in a flooded neighborhood in Bonita Springs, Florida, U.S., on Tuesday, Sept. 12, 2017. Hurricane Irma smashed into Southern Florida as a Category 4 storm, driving a wall of water and violent winds ashore and marking the first time since 1964 the U.S. was hit by back-to-back major hurricanes. (Photo: Daniel Acker/Bloomberg)

A federal district court in Florida has ruled that insureds could not recover supplemental payments under their standard flood insurance policy (SFIP) because they did not file a sworn proof of loss — even if their insurer did not let them know that they had to do so.

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