Insurance Office of America v. H I Insulation, L.L.C.

PER CURIAM: *

Plaintiffs appeal from the grant of summary judgment in this insurance coverage dispute. The court below interpreted an insurance contract according to its clear terms, but that interpretation lead to the absurd result that the contract provided insurance to two entities that have never existed. We therefore reverse the order granting summary judgment and remand to determine the contracting parties’ intent.

I

On April 11, 2005, smoke caused by burning foam insulation damaged a building at Rifle Point Plantation (the “Ranch”), a hunting ranch near Ferriday, Louisiana. The foam…