State Farm Fire & Casualty Co. v. Ham & Rye, LLC

¶1 — Chanel Chadwick and a friend started a fire that spread to the nearby Aldrich’s Market building, damaging property of Ham & Rye, LLC (H&R) and Retail Services, Inc. (RSI). State Farm Fire and Casualty Company insured Chadwick and her grandparents with homeowners liability and personal umbrella policies. H&R and RSI appeal the trial court’s order granting summary judgment to State Farm and declaring that State Farm’s insurance policies did not provide coverage for H&R and RSI’s claims against Chadwick. H&R and RSI argue that the trial court erred in ruling that the Aldrich’s Market fire…