Columbia Lloyds Insurance Company v. Robert Mao and Vachana Mao

COURT OF APPEALS SECOND DISTRICT OF TEXAS FORT WORTH NO. 02-10-00063-CV COLUMBIA LLOYDS INSURANCE APPELLANT COMPANY AND APPELLEE V. ROBERT MAO AND VACHANA APPELLEES MAO AND APPELLANTS ------------ FROM THE 342ND DISTRICT COURT OF TARRANT COUNTY ------------ MEMORANDUM OPINION1 ---------- I. INTRODUCTION Columbia Lloyds Insurance Company issued a Texas Dwelling Policy that named Vachana Mao as insured and covered a rental house that she owned. After a fire occurred at the dwelling, Vachana reported the loss to Columbia Lloyds; Columbia Lloyds denied Vachana’s claim based on a vacancy clause in…