Newhouse v. Laidig, Inc.

Robert Newhouse, by his guardian ad litem, appeals a summary judgment dismissing his complaint against Citizens Security Mutual Insurance Company for personal injuries he received when he became entangled in a silo unloader. The issue is whether an exclusionary clause contained in a homeowner’s policy precludes coverage for the accident. We conclude that the exclusionary clause is inapplicable and reverse.

In considering motions for summary judgment, we must first examine the pleadings and affidavits to determine whether any factual dispute exists or if conflicting inferences might be drawn…