Gutting v. Shelter Mutual Insurance Co.

FLANIGAN, Judge.

Plaintiff Nena Gutting brought this action against defendant Shelter Mutual Insurance Company, seeking recovery under a Homeowners Insurance Policy which defendant issued to her on February 5,1985. The policy contained coverage for losses to plaintiffs dwelling and personal property caused by fire, and for “additional living expenses” if a covered loss made all or part of the “residence premises” uninhabitable.

The policy was issued pursuant to an application filled out by plaintiff on January 18, 1985. On March 25, 1985, fire destroyed the residence and most of its contents.…