American Family Mutual Insurance v. Guzik

PRESIDING JUSTICE HOLDRIDGE

delivered the opinion of the court:

The plaintiff, American Family Mutual Insurance (American Family), filed a complaint for a declaratory judgment as to whether it owed insurance coverage under a homeowner’s insurance policy issued to defendant Michael Guzik. The complaint related to an explosion and fire that destroyed Guzik’s home and damaged neighboring properties. State Farm Fire & Casualty Company (State Farm) filed a counterclaim as subrogee of the neighboring property owners, arguing that American Family owed coverage to Guzik for the damage to the…