Garoutte v. Farmers Mutual Insurance Co.

FLANIGAN, Chief Judge.

On November 21, 1988, plaintiff Wilburn Garoutte filed this action against defendant Farmers Mutual Insurance Company of Lawrence County, Missouri, a farmers mutual insurance company organized under Chapter 380 RSMo.1 The petition sought recovery under a fire insurance policy issued on November 15, 1983, by defendant to plaintiff for a policy term of three years commencing November 2,1983, with premiums payable semi-annually. On August 9, 1984, the insured dwelling was destroyed by fire.

The parties agree on the following facts:

“The policy did not continue beyond the…