Stone Flood & Fire Restoration, Inc. v. Safeco Insurance Co. of America

Chief Justice DURHAM,

opinion of the Court:

INTRODUCTION

{1 In 2000, a fire destroyed a business location of Stone Flood and Fire Restoration *172Inc., spurring years of litigation with its insurer, Safeco Insurance Company of America. After Stone Flood and its two shareholders, James and Patrice Stone, sued Safeco in 2007, the district court dismissed all claims against Safeco. The court concluded that Stone Flood's claims on the insurance policy were filed three days beyond the applicable statute of limitations and were therefore barred. As to the Stones, the court held that they were not insureds…