St. Paul Fire & Marine Insurance v. Snitzer

Beasley, Judge.

Joseph and Dorothy Snitzer’s house and property were insured by St. Paul under a homeowner policy described as an “all-in-1.” On April 5, 1985, the Snitzers’ property was heavily damaged by a severe wind storm. Damages totalling over $67,000 included about $33,000 in debris removal.

St. Paul did not contest the damages to the real and personal property but contended that the debris removal was limited to a maximum of $1,000 by a policy endorsement. The Snitzers rejected St. Paul’s tender of less than the full amount and brought suit on the contract, seeking recovery of…