Bruce Norton and Linda Norton, Husband and Wife v. St. Paul Fire and Marine Insurance Company

MAGILL, Circuit Judge.

Bruce and Linda Norton appeal from the magistrate’s1 order granting summary judgment in favor of the defendant, the St. Paul Fire and Marine Insurance Company (St. Paul). The magistrate concluded that damage to the Nortons’ recreational vehicle (RV) caused by a windstorm was excluded from coverage under their insurance policy with St. Paul because the damage occurred while the RV was being used as a “permanent residence.” We reverse and remand.

I

The facts are not in dispute. The Nor-tons, residents of Arkansas, insured their 1985 Coachman Classic RV through a policy…