GALVESTON, Texas - Insureds' damages are permanent and directly attributable to their reliance on the purported misconduct of the U.S. government's fiscal agent, a Texas federal magistrate judge ruled Oct. 8, denying a federal flood insurer's motion for summary judgment in a coverage dispute involving Hurricane Ike damage (Robert Spong, et al. v. Fidelity National Property and Casualty Ins. Co., et al., No. G-10-228, S.D. Texas, Galveston Div.; 2011 U.S. Dist. LEXIS 87330; 2013 U.S. Dist. LEXIS 145222).