Hickman v. SAFECO Insurance Co. of America

OPINION

MEYER, Justice.

The issue in this case is whether appellant Dennis Hickman (Hickman) is a third-party beneficiary of an insurance contract under the “intent to benefit” test. Hickman had a mortgage on his home with respondent Guaranty Residential Lending, Inc. (Guaranty). 1 When Hickman failed to provide proof of insurance as required under the mortgage agreement, Guaranty purchased a fire and windstorm insurance policy from General Insurance Company of America, an affiliate of SAFECO Insurance Company of America (SAFECO). 2 In June 2002, Hickman’s home suffered storm damage; he sought…