Thompson v. State Farm Fire & Casualty Company

Opinion by

Judge CASEBOLT.

In this insurance coverage dispute, plaintiffs, Keith Thompson and Mary Thompson, appeal the summary judgment in favor of defendant, State Farm Fire & Casualty Company. Plaintiffs assert that State Farm wrongly denied coverage under their homeowners insurance policy for water damage they sustained based on an exclusion of losses arising from "water below the surface of the ground." Because we agree with the trial court that the policy unambiguously excludes the loss, we affirm.

State Farm insured plaintiffs' home under an "all-risk" policy. While the policy was in…