Haynes v. Universal Property & Casualty Insurance Co.

Appellant, Judy Ann Haynes, appeals the Final Judgment entered in favor of Appellee, Universal Property and Casualty Insurance Company, and raises two issues on appeal, only one of which merits discussion. Appellant argues that the trial court erred by granting Appellee’s motion for summary judgment. We agree and, therefore, reverse the Final Judgment.

Appellant insured her home through Ap-pellee. The insurance policy provided for replacement cost coverage for any direct physical loss, unless caused by an enumerated exception. The policy provided in relevant part:

3. Loss Settlement. Covered…