Hetland v. Worcester Mutual Insurance

On December 19, 1976, Richard and Mildred Hetland suffered fire and smoke damage to their residence and personal property. The Hetlands had a fire insurance policy with Worcester Mutual Insurance Company which insured the dwelling and unscheduled personal property. The policy also contained additional living-expense coverage.

After the fire, the Hetlands were lodged in a Winchester motel pursuant to the additional living-expense coverage of the policy. The Hetlands wanted the insurer to replace the kitchen cabinets and ceiling sheet rock, which were covered with black smoke, and certain other…