Montgomery v. United Services Automobile Ass'n

OPINION

BOSSON, Judge.

The single issue in this appeal is whether damage to personal property within a dwelling, when caused by a wild animal, constitutes “vandalism and malicious mischief’ as that term is defined in a renters property and casualty policy. Plaintiffs policy defines vandalism and malicious mischief as “intentional and malicious damage.” While the policy was in effect, a bobcat entered Plaintiffs dwelling and damaged certain personal property. The insurer denied Plaintiffs claim because destruction of property by a bobcat did not constitute “vandalism.” The trial court ruled…