Cambridge Mutual Fire Insurance Co. v. Shoemake

WILLIAMS, Justice.

This is an action brought by Rita Shoe-make against Cambridge Mutual Fire Insurance Company upon a Texas Standard Homeowner’s Insurance Policy for loss of personal property. The defendant insurance company sought to avoid liability by asserting a portion of the policy which specifically excluded loss caused by or resulting from flood, surface water, waves, tidal water or tidal waves, overflow of streams or other bodies of water or spray from any of the foregoing, all whether driven by wind or not.

The case was submitted to the jury which found (1) that the loss to the…