Lundstrom v. United Services Automobile Ass'n-CIC

OPINION

EVA M. GUZMAN, Justice.

In this homeowners insurance coverage case, we primarily examine the propriety of the insurer’s denial of coverage under the 1996 revised version of the Homeowners Form B (HO-B) insurance policy as prescribed by the Texas Department of Insurance. The case is before us on the Lundstroms’ (the insureds’) appeal from a summary judgment in favor of appellee United States Automobile Association-CIC (“USAA”), the insurer. Because (1) the summary judgment proof conclusively establishes USAA’s defenses to the Lund-stroms’ contractual and bad faith claims and (2) the…