Barbara Streit v. Metropolitan Casualty Insuran

SYKES, Circuit Judge.

On August 5, 2014, Wesley Streit Jr. set fire to the house where he lived with his parents, Barbara and Wesley Streit. At the time of the Are, the Streits’ home was insured by Metropolitan Insurance Company. Under the Streits’ insurance policy, Wesley Jr.’s act of arson triggered a contractual exclusion of coverage. The Streits still submitted a claim, but pursuant to the policy’s language, Metropolitan refused to cover the fire damage. Barbara and Wesley Streit sued, claiming that the exclusion in the Metropolitan policy was inconsistent with the Illinois Standard Fire…