Fire in the Home! The Term “Reside” Means “Actual Occupancy” in Fire Loss Case
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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