American Indemnity Co. v. Lancer, Vandroff & Sudakoff, P.A.

OTT, Chief Judge.

The lower court rendered final summary judgment in favor of appellee finding that certain files of appellee were “in actual use” when a fire occurred and consequently were covered under a fire insurance policy. We reverse.

Appellant issued the policy of fire insurance to appellee, a law firm. The policy contained a valuable papers endorsement which provided:

4. Protection of Valuable Papers and Records. Insurance under this policy shall apply only while valuable papers and records are contained in the premises described above, it being a condition precedent to any right of…