Thomas C. Shelton v. Liberty Mutual Fire Insurance Company

In this insurance-coverage dispute, Defendant-Appellant Liberty Mutual appeals the district court’s grant of summary judgment to Plaintiffs-Appellees Thomas and Mara Shelton (“the Sheltons”). ' After careful review of the record and the briefs, we reverse the district court’s grant of summary judgment in favor of the Shel-tons and remand for further proceedings consistent with this opinion.

I. BACKGROUND

This case concerns whether the Shel-tons’ homeowners policy with Liberty Mutual covers the Sheltons’ claim for a “sinkhole loss” to their property in Oldsmar, Florida. Before we turn to the…