Hecker v. Missouri Property Insurance Placement Facility

LIMBAUGH, Justice.

These consolidated appeals concern the issuance of property insurance by the Missouri Property Insurance Placement Facility (the Facility). In the Hecker ease, the trial court held that a one-year Facility policy automatically renewed and therefore covered J.E. and Jane Heckers’ (the Heckers) cabin when destroyed by a fire that occurred after the expiration of the one-year term. In the Cook case, the trial court held that a similar Facility policy did not automatically renew and therefore did not cover a house trailer owned by Calvin and Karen Cook (the Cooks) when it was…