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ALLSTATE INS. CO. v. CHARITY

Record No. 970671.

496 S.E.2d 430 (1998)

ALLSTATE INSURANCE COMPANY v. Patricia A. CHARITY, et al.

Supreme Court of Virginia.

January 9, 1998.

Attorney(s) appearing for the Case

Stephen A Horvath (Melissa S. Hogue; Trichilo, Bancroft, McGavin, Horvath & Judkins, on briefs), Fairfax, for appellant.

William Bruce Gair (Porter & Gair, on brief), Fairfax, for appellee Patricia A. Charity.

C. Thomas Brown (Glenn H. Silver; Silver & Brown, on brief), Fairfax, for appellee The Goodman-Gable-Gould Company.

Present: All the Justices.

LACY, Justice.

In this appeal, we consider whether a proof of loss submitted by an insured substantially complied with the terms and conditions of a fire insurance policy.

Allstate Insurance Company (Allstate) issued a fire insurance policy covering property owned by Patricia A. Charity. The property was totally destroyed by a fire. The policy required Charity to submit a proof of loss and required that, if Allstate chose to rebuild the property, it had to...

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