SWE Homes, LP v. Wellingston Insurance Company

OPINION

MARTHA HILL JAMISON, Justice.

This appeal presents the question of whether a standard mortgage clause in a residential insurance policy provides coverage to a mortgagee for a loss by fire when the policy also contained a vacancy clause and the mortgagor had left the property vacant. Mortgagee SWE Homes, LP appeals from the trial court’s grant of summary judgment favoring insurer Wellington Insurance Company, by which the court held that SWE’s loss was not covered. We reverse and remand.

Background

There is very little dispute regarding the facts in this case. Edgar Sadberry purchased a…