Dewsnup v. Farmers Ins. Co. of Oregon

Plaintiffs Beth and Tim Dewsnup appeal a judgment for defendant Farmers Insurance Company after the trial court granted defendant’s motion for summary judgment on plaintiffs’ claims seeking coverage for water damage to their home under their homeowners insurance policy. We affirm, although on a ground different from the one on which the trial court relied.

The relevant facts are uncontested. Plaintiffs owned a house. They insured their house under a policy with defendant. Like so many insurance policies, plaintiffs’ in this case was drafted in terms of what is covered, then what is excluded…