Watson v. United Services Automobile Ass'n

OPINION

HARTEN, Judge.

Appellant’s estranged husband set fire to the couple’s home, and appellant sought fire insurance proceeds from respondent insurer. The district court ruled that appellant’s losses were excluded from coverage by the policy’s fraud and intentional act provisions, even though appellant was an innocent co-insured. We reverse and remand.

FACTS

Prior to 1991, appellant Elizabeth Watson and her husband, Keith Watson, lived in their jointly-owned trailer home. In 1991, the couple separated, and appellant moved out of their home. In December 1993, the couple’s marriage dissolution…