Vigilant Insurance Company v. Luppino

ELDRIDGE, Judge.

This case presents the question of when the statute of limitations began to run on an insured’s claim that an insurer breached its duty to defend the insured in a tort suit by a third party against the insured.

I

Rocco Luppino owned a home and was insured under a homeowner’s insurance policy issued by Vigilant Insurance Company effective from August 7, 1985, to August 7, 1986. The policy provided coverage for property damage as well as personal liability. The property damage section of the policy included coverage for the insured’s home, related structures, and certain types of…