Columbia Lloyds Insurance Company v. Robert Mao and Vachana Mao

02-10-063-CV

COURT OF APPEALS

SECOND DISTRICT OF TEXAS

FORT WORTH

NO. 02-10-00063-CV

Columbia Lloyds Insurance Company

APPELLANT

AND APPELLEE

V

Robert Mao and Vachana Mao

APPELLEES

AND APPELLANTS

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FROM THE 342nd District Court OF Tarrant COUNTY

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MEMORANDUM OPINION[1]

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I. Introduction

Columbia Lloyds Insurance Company issued a Texas Dwelling Policy that named Vachana Mao as insured and covered a rental house that she owned. After a fire occurred at the dwelling, Vachana reported the loss to Columbia Lloyds; Columbia Lloyds denied Vachana’s claim based on a vacancy clause in the…