LANDRY v. LOUISIANA CITIZENS PROP. INS. CO.

No. 2007-247.

964 So.2d 463 (2007)

Mark LANDRY and Barbara Landry v. LOUISIANA CITIZENS PROPERTY INSURANCE COMPANY.

Court of Appeal of Louisiana, Third Circuit.

August 28, 2007.


Attorney(s) appearing for the Case

Stephen B. Murray, Arthur M. Murray, Nicole Ieyoub-Murray, Murray Law Firm, LL & E Tower, New Orleans, Louisiana, for Plaintiffs/Appellees, Mark Landry and Barbara Landry.

Paul J. Cox, Thomas A. Filo, Richard E. Wilson, Cox, Cox, Filo, Camel & Wilson, L.L.P., Lake Charles, Louisiana, for Plaintiffs/Appellees, Mark Landry and Barbara Landry.

Theodore M. "Trey" Haik, III, Haik, Minvielle & Grubbs, L.L.P., New Iberia, Louisiana, for Defendant/Appellant, Louisiana Citizens Property Insurance Corporation.

Charles C. Foti, Jr., Attorney General, Michael Charles Guy, Assistant Attorney General, Baton Rouge, Louisiana, for Amicus Curiae, Mark and Barbara Landry.

W. Shelby McKenzie, Taylor, Porter, Brooks & Phillips, L.L.P., Baton Rouge, Louisiana, for Amicus Curiae, American Insurance Association.

Andrew L. Plauche, Jr., Plauche Maselli Parkerson, L.L.P., New Orleans, Louisiana, for Amicus Curiae, Louisiana Farm Bureau Mutual Insurance Company.

H. Alston Johnson III, Phelps Dunbar LLP, Baton Rouge, Louisiana, for Amicus Curiae, Louisiana Farm Bureau Mutual Insurance Company.

Wayne J. Lee, T.A., Stephen G. Bullock, Mary L. Dumestre, Andrea L. Fannin, Heather S. Lonian, Stone Pigman Walther Wittmann L.L.C., New Orleans, Louisiana, for Amicus Curiae, State Farm Fire and Casualty Company.

Dominic J. Ovella, Sean P. Mount, Daniel M. Redmann, Hailey, McNamara, Hall, Larmann & Papale, L.L.P. Metairie, Louisiana, for Amicus Curiae, Fidelity and Deposit Company of Maryland, Empire Fire and Marine Insurance Company, Empire Indemnity Insurance Company; and Centre Insurance Company.

Terrence J. Lestelle, Andrea S. Lestelle, Jeffery B. Struckhoff, Lestelle & Lestelle APLC, Metairie, Louisiana, for Amicus Curiae, Daryl Chauvin, et al.

John N. Ellison, Darin J. McMullen, Anderson Kill & Olick, P.C., Philadelphia, PA, for Amicus Curiae, United Policyholders and the Williams Representative Policyholders.

Larry D. Dyess, Larry D. Dyess, APLC Baton Rouge, Louisiana, for Amicus Curiae, United Policyholders and the Williams Representative Policyholders.

Drew Ranier, N. Frank Elliot III, Ranier, Gayle & Elliot, L.L.C., Lake Charles, Louisiana, for Amicus Curiae, United Policyholders and the Williams Representative Policyholders.

Court composed of SYLVIA R. COOKS, JOHN D. SAUNDERS, MICHAEL G. SULLIVAN, GLENN B. GREMILLION, and JAMES T. GENOVESE, Judges.


COOKS, Judge.

Statement of the Case

The issue presented for our review is whether the Louisiana Valued Policy Law, La.R.S. 22:695, requires an insurer to pay the full face value of the policy when concurrent perils (covered and non-covered) combine, during the course of a single climatic event, to render the home a total loss. The Landrys assert the Valued Policy Law requires Citizens to pay the full valuation of the property under the policy in the event...

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