Twenhafel v. State Auto Property & Casualty Insurance

VAN BOKKELEN, District Judge.

Roger Twenhafel insured his business property through an “open peril” insurance policy issued by State Auto Property and Casualty Insurance Company (“State Auto”). Twenhafel sought coverage under the policy for loss of his raw wood inventory damaged by rain as a result of a severe storm. State Auto denied Twenhafel’s claim on the basis that the loss was excluded from coverage because the inventory was damaged by rain while it was “in the open.” Twenhafel filed suit in the Circuit Court of Jackson County, Illinois, alleging that State Auto breached the policy.…