Chauvin v. State Farm Fire & Casualty Co.

W. EUGENE DAVIS, Circuit Judge:

Plaintiffs are homeowners who sued their insurers, alleging that their homes were totally destroyed in Hurricanes Katrina and/or Rita. They appeal the district court’s order granting the defendant-insurers’ motions to dismiss and/or motions for judgment on the pleadings, concluding that Louisiana’s Value Policy Law does not apply when a total loss does not result from a covered peril. For the following reasons, we AFFIRM the order of the district court dismissing the homeowners’ claims.

I. BACKGROUND 1

Plaintiffs (the “homeowners”), both individuals and putative…