Calvert Fire Insurance v. Francis

George Rose Smith, Justice.

In 1973 the plaintiff, Gerald Francis, a dealer in travel trailers and campers, sustained a fire loss of $27,085.64. Two insurers, Calvert Fire Insurance Company and Lloyd’s of London, had issued policies covering the damaged property. Calvert paid $14,-046.61 of the loss, as its asserted pro rata share, and contended that Lloyd’s was liable for the remaining $13,039.03. Lloyd’s admits liability for only $150, the value of a used unit not insured by Calvert’s policy.

Francis brought this action for a declaratory judgment to determine which insurer is liable for the…