RICHARD W. JONES AND LOUISE A. KIERNAN v. FEDERATED NATIONAL INS. CO.

Appellants Richard Jones and Louise Kiernan (“Homeowners”) appeal a final judgment in favor of appellee Federated National Insurance Company determining that Insurance Company did not breach the insurance contract by failing to pay for Homeowners’ damaged roof. On appeal, Homeowners argue that the court committed various errors in its jury instructions, including applying the wrong coverage doctrine as well as improperly shifting the burden of proof. We agree that the court erred in these two respects, and reverse and remand for a new trial.

Background

Homeowners filed an insurance claim for…