Mohammed Ashraf, M.D. v. State Auto Property and Casualty Insurance

Justice Ketchum:

The Circuit Court of Marion County has certified two questions regarding a commercial fire insurance policy issued to the petitioner, Mohammed Ashraf, M.D., (“Dr. Ashraf’), by the respondent, State Auto Property and Casualty Insurance Company (“State Auto”). Respondent Wells Fargo Insurance Services of West Virginia, Inc. (‘Wells Fargo”), the named insurance agent on the policy, handled the sale of the policy issued to Dr. Ashraf.

The insured building, owned by Dr. Ashraf and his wife, was rendered a total loss by fire. Dr. Ashraf raised two coverage issues in a declaratory…