Ortiz v. State Farm Fire and Casualty Company

Plaintiff owns property including a house. Access to her property is across a bridge that she also owns. Plaintiff purchased a homeowner’s insurance policy from defendant State Farm. When the bridge collapsed, plaintiff made a claim under the policy. Defendant denied the claim, and plaintiff filed this action, seeking a declaration that the policy covers the cost of replacing the bridge. The trial court concluded on defendant’s motion for summary judgment that the collapse of the bridge is not covered under the policy, and plaintiff appeals. We affirm.

The parties’ arguments on appeal address…