The owner’s response is what should interest insurers. The policy also carries a separate $25,000 water damage sublimit and a $150,000 personal property limit, the complaint says, and the two endorsements do different jobs. One sets a dollar ceiling for water damage; the other sets occupancy conditions. Read together, the owner argues, a water loss should recover at least $25,000, not $10,000 – and the personal property limit, it says, is untouched by either endorsement.