Craig Dillon v. Tennessee Farmers Mutual Insurance Company

A policyholder brought suit to recover under personal fire and extended coverage policy for damage caused when burglars broke into his property and removed copper wiring, causing considerable damage. The trial court determined that the majority of the loss was excluded from coverage because it was caused by theft and awarded policyholder the amount previously tendered under the vandalism coverage, less his deductible. Policyholder appeals, contending that the plain language of the policy provides coverage for the damage caused by burglars. Holding that the damages covered under the policy are not limited to damages caused by vandalism, we reverse the judgment and remand the case for reconsideration of the amount of damages due the policyholder.