Laura Anne McMillan v. State Farm Insurance Lloyds

IN THE UNITED STATES DISTRICT COURT December 29, 2025 FOR THE SOUTHERN DISTRICT OF TEXAS Nathan Ochsner, Clerk HOUSTON DIVISION § LAURA ANNE MCMILLAN, § § Plaintiff, § v. § CIVIL ACTION NO. H-24-504 § STATE FARM INSURANCE LLOYDS, § § Defendant. § § § MEMORANDUM AND OPINION This is an insurance dispute over a small home, aptly referred to as “Little House,” that was bulldozed and burned by the insured’s son in January 2022. Laura McMillan purchased an insurance policy from State Farm on the home in 2010. She paid policy premiums for twelve-and- a-half years, and State Farm paid a claim based…