Employers Casualty Company v. Holm

WERLEIN, Justice.

Appellee, Herbert E. Holm, brought this suit against Employers Casualty Company to recover for damage to his home under a policy which insured appellee against “all risks of physical loss” to his home except as excluded in that part of the policy pertinent hereto providing that the insurance shall not cover, among other things:

“i. Loss caused by inherent vice, wear and tear, deterioration; rust, rot, mould or fungi; dampness of atmosphere, extremes of temperature; contamination; vermin, termites, moths or other insects;

“k. Loss under coverage A caused by settling, cracking,…