January 30, 2017

 This week the Texas Supreme Court reversed the ruling of the appellate court and decided that the homeowner's interpretation of their insurance policy was reasonable and that it afforded coverage for fencing that was attached to their home under the “dwelling” provision of the policy, as opposed to the “other structures” provision of their policy. The case is Nassar v. Liberty Mutual Fire Ins. Co. No. 15-0978 (Tex. Jan. 27, 2017).

 The Nassars own six acres in Richmond, Texas with a dwelling, fences, barns, and outbuildings all located on the property. They procured a homeowners policy that was in effect when Hurricane Ike came through Texas in 2008 and caused significant physical loss to the insured property.