Graber v. Clarendon Nat'l Ins. Co., 819 So.2d 840, 842 (Fla.Dist.Ct.App.2002) (citing Coleman v. Fla. Ins. Guar. Ass'n, 517 So.2d 686 (Fla.1988) ); see also Mich. Millers Mut. Ins. Corp. v. Benfield, 140 F.3d 915, 924 (11th Cir.1998). Questions of statutory interpretation are likewise reviewed de novo. Boroski v. Dyncorp Int'l, 700 F.3d 446, 450 (11th Cir.2012).B. The district court erred in equating the contractual term “structural damage” with any “damage to the structure ”