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Fire in the Home! The Term “Reside” Means “Actual Occupancy” in Fire Loss Case
Newsletter Property, Fire and Casualty / April 24, 2018
In fire loss cases, terms and phrases of the insurance contract are often in dispute. In Patrick v State Farm, the US Court of Appeals for the Sixth Circuit looked to longstanding case law when interpreting the meaning of “reside.” Ultimately, the Court relied upon Heniser v Frankenmuth Mut. Ins. Co, 534 NW2d 502 (1995) and held that the term “resides” requires actual occupancy of the home.
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