David Thorne v. MemberSelect Insurance Company

Durkin, District Judge.

David Thorne has a property insurance policy with Member Select Insurance Company. Thorne brought suit against Member Select when it denied his claim *644 for coverage after his house burned down. A jury awarded Thorne $87,000, and the district court denied Member Select's motion for judgment as a matter of law. Member Select appeals from that order.

I. Background

Thorne's house at 726 Arbogast Street in Griffith, Indiana, burned down completely in February 2008. Thorne chose not to rebuild the house. Member Select refused to cover the loss because it determined that either…