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CHADWICK v. FIRE INS. EXCHANGE

Docket No. A053480.

17 Cal.App.4th 1112 (1993)

21 Cal. Rptr.2d 871

FRANKLIN S. CHADWICK et al., Plaintiffs and Appellants, v. FIRE INSURANCE EXCHANGE, Defendant and Respondent.

Court of Appeals of California, First District, Division Three.

August 11, 1993.

Attorney(s) appearing for the Case

COUNSEL

Gerald R. Welch, Nelson & Leighton and Michael D. Nelson for Plaintiffs and Appellants.

Thornton, Taylor, Downs & Becker, Clarke B. Holland and Michael F. Scully for Defendant and Respondent.

OPINION

WERDEGAR, J.

Franklin S. Chadwick and Charlene D. Mandel (homeowners) were the insureds under a broad peril homeowners insurance policy issued by Fire Insurance Exchange (FIE). They noticed cracking in their walls, the cause of which was found to be substandard design and construction of the house's wall and floor framing. FIE denied coverage on the grounds the policy excluded loss from "cracking," "latent defect" and "inherent...

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