A South Florida man whose boat was stolen on the same day he renewed his insurance policy lost before the U.S. Court of Appeals for the Eleventh Circuit, which found he voided the policy by giving a misleading account of what happened.

It’s a ruling that demonstrates the burden federal maritime law places on policyholders as the appellate panel found even if it were to “dubiously” assume the policyholder didn’t know his boat was gone, that was something he should have known.

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