( January 13, 2026, 8:06 AM EST) -- GRETNA, La. — A Louisiana appeals panel reversed a lower court’s denial of an insurer’s motion for partial summary judgment in its insureds’ lawsuit seeking coverage for the total loss of their condominium unit, holding that the condominium was not rendered a total loss as a result of the direct physical damage caused by Hurricane Ida and the policy limit for a subsequent water event is $10,000 pursuant to the “Limited Water Damage Coverage” endorsement....