最高法院规定标准保险不包括由通货膨胀驱动的重建费用,除非明确规定。 Supreme Court rules standard insurance doesn’t cover inflation-driven rebuilding costs unless explicitly stated.

最高法院裁定,标准保险单并不要求保险人支付因通货膨胀或建筑价格上涨而增加的重建费用,除非明确规定。 The Supreme Court ruled that standard insurance policies don’t require insurers to cover increased rebuilding costs due to inflation or rising construction prices unless explicitly stated. 该决定基于房主在财产损坏后的索赔要求,确认保险范围限于保单规定的数额,除非购买额外的背书。 The decision, based on a homeowner’s claim after property damage, confirms that coverage is limited to the policy’s stated amount unless additional endorsements are purchased. 法院强调,政策条款具有约束力,并敦促房主仔细审查合同,特别是在易受灾地区。 The court emphasized that policy terms are binding and urged homeowners to review contracts carefully, especially in disaster-prone areas.