Farley v. St. Charles Insurance Agency, Inc.

SATZ, Judge.

This is a declaratory judgment action. Plaintiffs, Larry Farley and Ethel Farley, husband and wife, seek a declaration that the loss of their home by fire is covered by a homeowners insurance policy obtained from defendants, St. Charles Insurance Agency, Inc. (St. Charles) and Fireman’s Insurance Company of Newark, New Jersey (Fireman’s). Defendants counter with the affirmative defense of fraud. The trial court denied plaintiffs’ motion for summary judgment and granted defendants’ joint motion for summary judgment. Plaintiffs appeal. We affirm.

Once again, we are faced with an…