Balandran v. Safeco Insurance Co. of America

in which GONZALEZ, ENOCH, SPECTOR, BAKER, ABBOTT and HANKINSON, Justices join.

This case comes to us on a certified question from the United States Court of Appeals for the Fifth Circuit. The issue certified is whether the 1991 Texas Standard Homeowner’s Policy — Form B covers damage to the insured’s dwelling from foundation movement caused by an underground plumbing leak. We hold that the policy provides this coverage.

I

Safeco Insurance Company of America insured the home of Joe and Dolores Balan-drán. The form of the policy was the 1991 Texas Standard Homeowner’s Policy — Form B. In September…