Knoff v. United States Fidelity and Guaranty Co.

BELL, Chief Justice.

Appellants sued appellee to recover $5,-000.00, the amount of a fire insurance policy issued by appellee to the owner of a residence at 7840 Dayton Street in Houston. The owner was Lula McLaughlin. She died in 1963, a few months after the policy was issued. A fire occurred at the residence May 19, 1966. In response to appellants’ suit, appellee denied liability by pleading the absence of the requisite proof of loss and exclusions contained in the policy. The “exclusions” were that there had been an increase in the hazards insured against and that the house had been vacant…