Roe v. State Farm Fire & Casualty Company

Clarke, Presiding Justice.

Appellant Roe was convicted of sexually molesting a neighbor’s minor daughter. State Farm brought a declaratory judgment action to determine its obligation to defend Roe, its insured, in a civil action arising out of the molestation. State Farm contended that it had no obligation to defend or provide coverage because the insurance policy excludes coverage for bodily injury that is “expected or intended by an insured.” Roe argued that his deviant sexual behavior was caused by an obsessive compulsion and that he did not consider the effect his actions would have on the…