West v. Shelter Mutual Ins. Co.

GARRISON, Judge.

This appeal arises from a suit on a homeowner’s insurance policy. In May 1985, Appellants David West and Teri West (the “Wests”) purchased a lake home, giving the sellers (the “Barbers”) a note and deed of trust. At the same time, the Wests obtained a homeowner’s policy on the property from Shelter Mutual Insurance Company (“Shelter”) insuring the house for $30,000, the contents for $16,500, and naming the Barbers as “Mortgagees.”

On June 14, 1987, while Shelter’s policy was in force, the house and contents were totally destroyed by fire. As a result of the Wests’ claim under…