Southland Lloyds Insurance Company v. David Onofre Cantu and Guadalupe Cantu

OPINION

Opinion by:

SANDEE BRYAN MARION, Justice.

BACKGROUND

On April 4, 2004, David and Guadalupe Cantu’s house was damaged in a hailstorm. The Cantus’ house was insured under a policy with Southland Lloyds Insurance Co. Southland sent an independent adjustor, Bobby Arnold, to the Cantus’ home to inspect the damage on April 13, 2004. On April 27, 2004, Southland mailed to the Cantus a copy of Arnold’s repair estimate and a letter advising them that a claim check in the amount of $2,036.85 would be sent to their insurance agent within seven working days. On April 29, 2004, the check was sent to…