The case stems from Hurricane Matthew, which slammed into Ormond Beach in October 2016. Two restaurants, Houligan’s Pub & Club and Ormond Wine Company, suffered substantial damage when sewage backed up through floor drains during the storm. When they tried to file claims under their Lloyd’s of London policy, the insurer balked, arguing the policy didn’t cover that type of damage. Three years of litigation later, the courts agreed with Lloyd’s.