Vallas v. Cincinnati Ins. Co.

The plaintiffs, John P. Vallas, Louis P. Vallas, and McCurtin Creek, Ltd., appeal from a summary judgment in favor of the defendants Cincinnati Insurance Company ("CIC") and Alabama First Insurance Company ("AFIC"). The plaintiffs brought this action for a declaratory judgment against Paul L. Smith, Janet L. Smith, CIC, and AFIC to determine the rights and obligations of the parties under homeowner's insurance policies issued by AFIC and CIC.1 The sole issue is whether the activity, out of which an action by the Smiths against John and Louis Vallas arose, was a "business" or "business…