Shelter Mutual Insurance v. Williams

The opinion of the court was delivered by

ALLEGRUCCI, J.:

This is a declaratory judgment action brought by Shelter Mutual Insurance Company (Shelter) to determine coverage under a homeowners insurance policy containing an *18exclusion for “bodily injury or property damage expected or intended by an insured.”

The facts are not in dispute. On January 21, 1985, James Alan Kearbey entered Goddard Junior High School armed with an M-1A rifle and a .357 magnum handgun. As he proceeded through the halls of the school, Kearbey fired the rifle several times, killing the principal, James McGee, and wounding…