Foster v. State Farm Fire & Casualty Co.

TINDER, Circuit Judge.

This case presents two issues, both under Indiana law: First, whether the Fosters breached their insurance contract with State Farm by failing to comply with a section titled “Your Duties After Loss” and, second, whether State Farm’s delay in deciding the Fosters’ claim was in bad faith and therefore tortious. The district court granted State Farm’s motion for summary judgment. We affirm.

On January 3, 2009, while Harry and Linda Foster, their two children, Harry’s father, and the family’s eight dogs were out, a fire severely damaged the Fosters’ home. Mrs. Foster…