Strother v. North Carolina Farm Bureau Mutual Insurance

EAGLES, Judge.

Neither the cause nor the amount of damage is in dispute. The sole issue is whether the collapse of the greenhouses is a loss which the insurance policy covers. We hold that it is. \

The relevant provision of the policy reads, in pertinent part, as follows:

Perils Insured Against

We insure for direct loss to the property described in Coverage F caused by:

2. Windstorm or hail

This peril does not include loss caused directly or indirectly by frost or cold weather or ice other than hail, snow or sleet all whether driven by the wind or not.

*736Courts must enforce the terms of an insurance…