943 John V. Garaffa is a senior associate in the Tampa, Florida, office of Butler Pappas Weihmuller Katz Craig, LLP. The author acknowledges the invaluable contribution of Kathryn K. Jensen, Counsel and Senior Editor, Property Loss Research Bureau. An earlier version of this article was published in the 79:4 Florida Bar Journal (April 2005). Repriinte by permission. THE UNCERTAIN SCOPE OF “HURRICANE DAMAGE” UNDER STATE VALUED POLICY LAWS John V. Garaffa i. introduction The 2004 and 2005 hurricane...