St. Paul Fire & Marine Insurance v. Central Park Mobile Homes

OPINION

EUBANK, Judge.

This appeal presents two questions concerning the extended coverage endorsement of a standard builder’s risk insurance policy:(1) What is a “windstorm" within the terms of the policy ?(2) What is the extent of the insurer’s liability for “direct loss” or damage due to a windstorm ?

The appellee, Central Park Mobile Homes, was the insured under a builder’s risk policy of insurance issued by the appellant, St. Paul Fire & Marine Insurance Company, which covered a recreation building during the course of its construction. Under the provisions of the “Extended Coverage…