Farmers Mutual Protective Ass'n of Texas v. Cmerek

ARCHER, Chief Justice.

This suit was brought by appellee against appellant to recover upon a fire and extended coverage insurance policy. Appellant is a Farm Mutual Insurance Company, organized and existing under the provisions of Chapter 16, V.A.T.S., Insurance Code and, as such, is engaged in the business of writing insurance of the type involved in this case.

On February 28, 1964, appellant issued to appellee a policy of insurance providing coverage for losses to appellee’s residence resulting from fire and other hazards, including hail. On March 4, 1964, a heavy hailstorm occurred at the…