James Roller and Ruth Roller v. American Modern Home Insurance Co.

The Rollers appeal the trial court’s declaratory judgment denying coverage for property damage to the Rollers’ garage incurred by á fire started by Mr. Roller in a suicide attempt.

American Modern Home Insurance Co. (AMHIC) issued a manufactured homeowners policy to Mr. Roller. As a part of the coverage, AMHIC agreed to insure the residence “against risk of direct, sudden and accidental physical loss to covered property, unless the loss is excluded under SECTION I-EXCLUSIONS.”

In December 2007, Mr. Roller set fire to the garage of his residence in an attempt to commit suicide. The fire caused…