Certain Underwriters at Lloyd's London v. Jimenez

Certain Underwriters at Lloyd’s London (“Lloyd’s”) appeals a final judgment following a non-jury trial, in which the trial court granted declaratory relief to Raul and Ada Jimenez, the appellees/home-owners, and determined that Lloyd’s was not entitled to rescission of the property insurance policy issued to the homeowners. We reverse because the misrepresentation by the Jimenezes in the insurance application was material and was detrimentally relied upon by Lloyd’s, precluding coverage for the Jimenez’s kitchen fire and entitling Lloyd’s to rescission of the policy.

In 2007, appellee Raul…