The court case could decide funding for the Freedom Tower
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The destruction of the World Trade Center by two hijacked planes on 11 September 2001 counts as a single attack, a jury has ruled.
The attacks killed more than 3,000 people, and destroyed the Center's iconic twin towers.
Developer Larry Silverstein had argued that two events had occurred, each attracting $3.5bn worth of insurance.
But the jury said otherwise, in a move which could reduce the money available for rebuilding by at least $1bn.
Split decision
The jury's decision is only the first of many covering the question of which insurers owe how much to Mr Silverstein.
While a group of Lloyd's of London insurers are the beneficiaries of Thursday's ruling, they account for only $1bn of the $3.5bn for which the towers were insured.
The eight members of the Lloyd's consortium had all signed a broker's form which defined both towers' destruction as a single event.
But the remaining trials could still see Mr Silverstein - whose lease was only six weeks old when the towers fell - collect twice from the remaining insurers.
The case could decide how much money is available for the ambitious rebuilding plan, designed by Daniel Libeskind and David Childs.