Ardente v. Standard Fire Insurance Co.

TORRUELLA, Circuit Judge.

Standard Fire Insurance Company appeals from a district court order awarding Evan Ardente summary judgment on his claim for breach of a yacht insurance policy. Because the policy does not cover the type of damage sustained by Ardente’s yacht, we reverse.

I. Background

Standard Fire insured Ardente’s yacht. At some point after purchasing the boat, Ardente noticed that its top speed had decreased and that it was not navigating properly. The parties agree that these were symptoms of water damage to the yacht’s hull. They also agree about how water was getting into the…