Kellogg v. Middlesex Mutual Assurance Co.

In this appeal, we consider whether the trial court properly vacated an arbitration award setting the amount of an insured loss caused by a tree falling on the insured's home. We conclude that the trial court improperly substituted its judgment for that of the appraisal panel, and we therefore reverse the trial court's judgment.

The plaintiff, Sally Kellogg, is the owner of a historic property in the city of Norwalk (property). She insured the property through a "[r]estorationist" policy issued by the defendant, Middlesex Mutual Assurance Company. This restorationist policy was different from…