( September 10, 2026, 3:17 PM EDT) -- SAN JOSE, Calif.— A federal judge in California granted a write-your-own (WYO) insurer’s motion to dismiss insureds’ second amended complaint seeking $12,500 in additional coverage for their alleged “structural damage” arising from a 2023 flood, holding that dismissal was proper under the insureds’ Standard Flood Insurance Policy (SFIP) because the lawsuit was filed more than a year after the claim was denied....