Mills v. Lloyds

Cooper, Judge.

Appellant, Izeal Mills, (hereafter “Mills”) applied for a homeowner’s insurance policy through The Sorrells Agency, an independent insurance agency. Because Mills cannot read or write, a secretary at The Sorrells Agency assisted him with the application by asking him the questions on the application and writing down responses. The Sorrells Agency sent the completed application to the managing general agent for appellee who issued a Lloyd’s, London homeowner’s policy on a house owned by Mills and his wife. The application indicated that the house was not vacant and was owner…