Cigna Property & Casualty Companies v. Zeitler

HOLLANDER, Judge.

On September 4, 1995, Hurricane Luis stormed through the Caribbean island of St. Maarten, severely damaging the Ser-efe, a forty-seven foot Tayana Auxiliary Cutter owned by Dr. Klaus Zeitler, appellee. At the time of the occurrence, appel-lee believed his yacht was covered by a marine insurance policy issued by CIGNA Property and Casualty Companies (“CIGNA”), appellant, and procured by Jack Martin & Associates, Inc. (“JMA”), appellant, an insurance agency located in Annapolis. On November 8, 1995, CIGNA denied appellant’s claim for the loss of the vessel, because the…