The Florida Supreme Court ruled that insurance companies can be compelled to pay only for actual damages that result from covered risks. The rulings resulted from two cases involving homeowner policies. The opinions reversed earlier decisions by lower courts. The courts are catching up with the Florida legislature, which clarified coverage rules in 2005. "The Legislature only fixed something the courts should have gotten right in the first place," said William Stander, a spokesman for the Property Casualty Insurers Association of America.