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HALL v. MICHAEL BELLO INS. AGENCY

880 A.2d 451 (2005)

379 N.J. Super. 599

Scott HALL and Lora Hall, Plaintiffs-Appellants, v. MICHAEL BELLO INSURANCE AGENCY, INC., Defendant, Third-Party Plaintiff-Respondent, and Will Frasse, Defendant, Third-Party Plaintiff, v. Highlands Insurance Company, Defendant, Third-Party Defendant-Respondent, and Chase Manhattan Mortgage Corporation, Defendant.

Superior Court of New Jersey, Appellate Division.

Decided June 13, 2005.

Attorney(s) appearing for the Case

Gregory K. Mueller, Tenafly, and Allan Maitlin, West Orange, argued the cause for appellants (Lebson & Mueller and Sachs Maitlin Fleming Greene & Mullen attorneys; Mr. Mueller on the brief).

Michael B. Oropollo argued the cause for respondent Highlands Insurance Company (Harwood Lloyd attorneys; Mr. Oropollo of counsel and on the brief, Peter E. Mueller and Paul E. Kiel on the brief).

David R. Cosgrove, Secaucus, argued the cause for respondent Michael Bello Insurance Company (Stevens & Schwab attorneys; Mr. Cosgrove on the letter brief).

Leon B. Piechta, West Orange, appeared for defendant Will Frasse (O'Donnell & Piechta attorneys).

Before Judges WEFING, FALL and PAYNE.

The opinion of the court was delivered by

PAYNE, J.A.D.

Plaintiffs Scott and Lora Hall owned a home in Mountain Lakes that, in May 2002, sustained fire damage. They made a claim through their insurance broker, the Michael Bello Insurance Agency, but learned that homeowners insurance coverage bound and thought to have been placed by the Bello Agency with Highlands Insurance Company allegedly had never become effective because Highlands claimed it had never...

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