Chou v. Farmers Insurance Exchange

The issue in this case, arising out of plaintiffs’ claim under a homeowners’ insurance policy issued by defendant Farmers Insurance Exchange (Farmers), is whether the trial court erred in granting plaintiffs’ motion for summary judgment on their claims for breach of contract. Farmers asserts that the loss was caused by “collapse” and the policy does not insure for losses caused by collapse. Plaintiffs argue that the trial court correctly granted their motion for summary judgment because the loss was not caused by collapse but was caused by direct physical contact by a vehicle, which is…