Morris
Morris v. Allstate Insurance
Opinion
Lead Opinion
Collins, J.
ORDER GRANTING MOTION FOR SUMMARY JUDGMENT
Pending before the Court is Defendant Allstate Insurance Company’s (“Defendant”) Motion for Summary Judgment (“Motion,” docket no. 25) filed on February 27, 2014. Plaintiffs Wendy Morris and Russell A. Morris, Sr. (“Plaintiffs”) filed an Opposition and Defendant filed a Reply. Oral argument was heard on April 28, 2014. For the following reasons, the Court GRANTS the Motion.
*1097 I.BACKGROUND
Plaintiffs are suing their insurer, Defendant, for breach of contract and breach of the implied covenant of good faith and fair dealing on the ground that Defendant improperly denied Plaintiffs’ insurance claim. Defendant moves for summary judgment.
II. UNDISPUTED FACTS
The following facts are material and undisputed
1. Plaintiffs insured their property under (1) an Allstate homeowners’ policy (the “Allstate policy”) and (2) a flood insurance policy issued by the federal government. DSUF 1.
2. As relevant to this action, Coverage C — Personal Property Protection of the Allstate policy covers damage to personal property caused by specific named perils. DSUF 2.
3. The named peril in issue in this case is “windstorm.” Def.’s Exh. 1 p. 51.