An ambiguous coverage provision meant the insurer was required to provide matching coverage as an extension of a covered claim. The case is Summer Pines Villas Homeowners Ass'n v. Owners Ins. Co., 2025 U.S. Dist. LEXIS 17917 (W.D. Wis. 2025).

What Happened

A spring hailstorm inflicted physical damage to the roofs and siding of multiple buildings owned by the Summer Pines Villas Homeowners Association. Summer Pines submitted a claim for those damages to its insurer, Owners Insurance, who conducted an investigation through a third party. A few months later, Summer Pines received a claim payment from Owners Insurance for $855,120, which covered the roof of each building and the damaged portions of the siding on only some of the buildings.