Reynolds v. Shelter Mutual Insurance

Donald L. Corbin, Justice.

This appeal originated as a suit by the insureds against their insurer. Appellants, Doyle and Alma Lou Reynolds, purchased farmerowners insurance for their poultry farm from appellee Wayne Scoggins, who is an agent for appellee Shelter Mutual Insurance Company. A severe winter storm caused damage to four structures and their contents on appellants’ farm. Appellants reported the damages to Shelter and Shelter refused to pay the claim stating that appellants’ policy did not include “collapse coverage” or coverage for damages caused by the weight of ice or snow.…