At the center of the case is damage caused by Hurricane Maria to PrairieGold’s Carmelo Productora facility in Puerto Rico. This policy, issued in September 2014, was an all-risk and business interruption program. It defined hurricanes to include storms named by the National Weather Service or National Hurricane Center, and both sides agreed that Hurricane Maria met that definition. There were 15 exclusions listed in the general exclusions section of the policy, but storms, hurricanes and natural disasters were not on that list. PrairieGold relied on those terms to argue that the named storm loss was covered under the all risks policy as written.
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