In April 2017, hail damaged the tile roof of Carl and Mary Ellen Schnell’s home in Fort Worth, Texas. The couple filed a claim with State Farm Insurance Companies, with whom they held a homeowners insurance policy. That policy covered “accidental direct physical loss” to their house, as well as increased repair costs required by building code enforcement and outlined in the policy’s Building Ordinance or Low provision (Option OL).
Debate about the damages and the coverage led to the Schnells filing suit against State Farm Insurance in February 2021 for breach of contract and violations of the insurance code.
NRCA General Counsel Trent Cotney offers details regarding the case in a legal brief.
NRCA’s legal team advocates for roofing contractors nationwide. Learn more about NRCA’s legal resources.
Date : Jan. 01, 0001
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