State Farm General Insurance Co. v. Wood

OPINION

SUSANO, J.

This declaratory judgment action was filed by State Farm General Insurance' Company (“State Farm”) against its insured, the defendant Leila June Wood (‘Wood”). It was prompted by Wood’s filing of a claim for a fire loss to her mobile home. The trial court found that a misrepresentation regarding the insured’s prior loss history, made by Wood in her application for insurance, had increased State Farm’s risk of loss pursuant to T.C.A. § 56-7-103 1 ; accordingly, the trial court declared the subject policy void ab initio and held that Wood was not entitled to a recovery. Wood…