Young v. Firemen's Insurance Co. of Washington, D.C.

FERREN, Associate Judge:

Charles Young and his mother, Bessie, bought a home in Southeast Washington, D.C. in 1960 and insured it against damage from fire. Firemen’s Insurance Company covered the Youngs’ home under its “Standard Fire Insurance Policy,” which promised to insure “the insured named above and legal representatives ... against all DIRECT LOSS BY FIRE ....” (emphasis in original).1

Bessie Young died in 1972. Charles continued to pay premiums, and Firemen’s continued to accept payments and renew the policy in the names of Charles C. and Bessie Young. In 1977, Charles married Annie…