"I think you should owe money you don't actually owe because I say so."

Probably a good thing you're not a judge.

Not really.

The insurance policy in question was for PHYSICAL damage.

There are insurance policies you can get to protect against data loss, but the plaintiff in this case didn't have one.

It took me great effort to learn this. It involved reading the linked article. But I have suffered this hardship willingly to bring you knowledge.