Michelle Postell v. American Family Mutual Insurance Co.

WIGGINS, Justice.

This case involves the denial of coverage under a fire insurance policy. The policy included an intentional loss exclusion, voiding coverage when any insured intentionally causes a loss or damage. The district court denied coverage. In this appeal, we find substantial evidence supports the district court’s finding that the coinsured who set fire to the insured dwelling in order to commit suicide had the requisite intent to “cause a loss” under the policy. We further find that under the language of the policy, the innocent coinsured spouse, who did not participate in the…