Schuchman v. State Auto Property & Casualty Insurance

THARP, District Judge.

In September 2000, Norman and Glenna Schuchman purchased homeowner’s insurance from State Auto Property and Casualty Insurance Company (“State Auto”) to insure a residence in Junction City, Illinois. Almost ten years later, a fire severely damaged the insured house and the Schuchmans asserted a claim against the homeowner’s policy State Auto had issued. After a lengthy investigation, however, State Auto denied the Schuchmans’ claim on the basis that the Schuchmans were not residing on the “residence premises,” as that term is defined by the policy, and because the…