Bell v. Nationwide Insurance

TYSON, Judge.

Nancy Bell and husband, Adrien Bell (“plaintiffs”) appeal the entry of summary judgment in favor of Nationwide Insurance Company (“defendant”). We affirm the trial court’s judgment.

I. Facts

On 14 July 1995, plaintiffs applied for a homeowners insurance policy from defendant. Defendant issued a policy of insurance, containing the standard provisions for fire insurance coverage as set forth under N.C. Gen. Stat. § 58-44-15. The policy was renewed on 13 June 1996.

On 15 and 16 September 1996, plaintiffs’ dwelling and contents were destroyed by fire. Plaintiffs filed a claim for the…