Hardware Dealers Mutual Insurance Co. v. Berglund

NORVELL, Justice.

This is a Hurricane Carla case. Petitioner, Hardware Dealers Mutual Insurance Company, issued two insurance policies to respondents, Clifford L. Berglund and his wife, Robbie Mae Berglund; one contained both an “all risks” clause and a “named peril clause,” while the second policy contained a “named peril” clause only. The “named peril” clause covered direct losses by “windstorm, hurricane, hail,” etc. On September 11, 1961, as a result of the storms, high winds and waters accompanying the hurricane, much of respondents’ property was destroyed. Suit was brought upon the…