Andrea DeField and Alex D. Pappas | Hunton Andrews Kurth “Loss or damage.” “Caused by or resulting from.” “Faulty, inadequate or defective.” “Direct physical loss of or damage to.” In coverage litigation, phrases like these can launch a familiar argument: if an insurance policy uses two different words, each must mean something different. Otherwise, one… Continue reading When Two Words Do Not Necessarily Do Two Jobs: Legal Doublets and Surplusage in Insurance Policies