Lumbermen's Mutual Casualty Co. v. Sykes

This is a case concerning coverage under a homeowner’s insurance policy. In early 2001, homeowner Gloria Sykes discovered water entering her home and submitted a claim for water damage under her homeowner’s insurance policy with Lumbermen’s Mutual Casualty Company (Lumbermen’s). Lumbermen’s paid the claimed damages and closed the file. Subsequently, in November 2001, Sykes reported toxic mold growth in her home which she alleged was a result of the prior occurrence. She later alleged that due to this mold growth, her home became uninhabitable and she was forced to move out. After sending…