Jones v. Columbia Mutual Insurance Co.

PREWITT, Chief Judge.

Plaintiffs appeal from a judgment denying their claim, based on an insurance contract, for damages to their house. The question presented is whether damage caused by water escaping from plumbing, due to freezing, is covered by the contract when the water goes underground and causes damage to the house. Defendant paid for damage caused by the water that did not go underground or which caused damage before it went underground.

By a “Homeowners Policy” defendant agreed to insure plaintiffs’ house against direct loss caused by various perils, including “Freezing of a plumbing,…