People's Trust Insurance Co. v. Roddy

After his home was destroyed by a fire, appellee Raymond Roddy filed a claim with his insurer, appellant People’s Trust Insurance Company. People’s denied coverage for numerous reasons, one being the claim that Roddy had made material misrepresentations on his application for insurance. The case was submitted to a jury, which awarded Roddy $766,258.06 in damages.

There was no signed, written insurance application, nor did Roddy ever receive a copy of the policy in the mail. Roddy applied for insurance over the phone. People’s telephone representative did not remember speaking with Roddy, but…