Robichaux v. Nationwide Mutual Fire Insurance Co.
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Following the destruction of their home in Hurricane Katrina, Michael and Mary Robichaux filed suit in October, 2006, in the circuit court against their insurers, Nationwide Mutual Fire Insurance Company (Nationwide) and their agent, Jay Fletcher Insurance (Fletcher Insurance). Plaintiffs sought declaratory and injunctive relief, including indemnity under the insurance contract, compensatory and punitive damages, specific performance of the insurance contract, attorneys' fees, and court costs and expenses for what they alleged were uncompensated, covered losses under their homeowners' policy. Also included in the complaint were claims of fraud and bad faith by the insurer and its agent. The trial court ultimately granted summary judgment in favor of Nationwide and Fletcher Insurance based on the Plaintiffs' failure to establish a genuine issue of material fact that the home was damaged by wind, which was covered by the subject policy, rather than its having been destroyed by flood, which the trial court found was excluded under the policy. Alternatively, the trial court found that Plaintiffs failed to show they had suffered uncompensated losses due to their having received compensation under their flood policy. Upon review of Plaintiffs' appeal, the Supreme Court found that the trial court erred in granting summary judgment on the issue of whether Plaintiffs suffered uncompensated, wind damage to structures other than their dwelling, and to personal property. Accordingly, the Court remanded the case for further proceedings.
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