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Justia Daily Opinion Summaries

Rhode Island Supreme Court
June 12, 2020

Table of Contents

Nelson v. Allstate Insurance Co.

Contracts, Insurance Law

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Rhode Island Supreme Court Opinions

Nelson v. Allstate Insurance Co.

Docket: 19-166

Opinion Date: June 11, 2020

Judge: Paul A. Suttell

Areas of Law: Contracts, Insurance Law

The Supreme Court affirmed the judgment of the superior court dismissing Plaintiff's breach of contract case against Defendant, her homeowner's insurance carrier, after a hearing justice granted Defendant's motion for summary judgment, holding that summary judgment was properly granted in this case. Plaintiff, who had a homeowner's insurance policy purchased from Defendant, sought coverage for damage done to her residence when her water heater leaked and flooded her basement. When Defendant declined coverage Plaintiff filed a complaint claiming breach of contract. Defendant field a motion for summary judgment, arguing that Plaintiff's breach of contract claim failed as a matter of law because, under the unambiguous language of the policy, the flooding caused by the defective water heater was not a loss covered by the policy. The hearing justice granted the motion for summary judgment. The Supreme Court affirmed, holding that the damage caused by Plaintiff's malfunctioning water heater was clearly not one of the hazards articulated in the policy language.

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