Homer Matthew Smith and Deborah Smith v. Allstate Insurance Company

DAVID A. NELSON, Circuit Judge.

After a lengthy investigation of fire insurance claims presented by the plaintiffs, the defendant insurance company rejected the claims. The district court, which had jurisdiction based on diversity of citizenship, entered summary judgment in favor of the company. The court held that the plaintiffs’ claims were barred by provisions in the insurance policies that required suit to be brought within one year after the loss. The court further held that, on the facts presented, the company’s invocation of the limitations provisions did not constitute bad faith.

We…