Sharp v. State Farm Fire & Casualty Insurance

E. GRADY JOLLY, Circuit Judge:

State Farm denied the Sharps’ claim for structural and cosmetic damage to their house that resulted from a foundation shift, which was itself caused by a plumbing leak beneath the house. We are called upon to determine whether the standardized Texas homeowner’s policy provides coverage. The district court determined that such damage was not covered by the policy, and granted State Farm’s motion for summary judgment. We affirm.

I

James and Brenda Sharp are the holders of a homeowner’s insurance policy issued by State Farm; the Sharps’ policy is a standardized state…