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FEAZ v. WELLS FARGO BANK, N.A.

No. 13-10230.

745 F.3d 1098 (2014)

Faire FEAZ, Plaintiff-Appellant, v. WELLS FARGO BANK, N.A., et al., Defendant-Appellees.

United States Court of Appeals, Eleventh Circuit.

February 10, 2014.

Attorney(s) appearing for the Case

Scott E. Brady , Philip Bohrer , Bohrer Law Firm, LLC, Baton Rouge, LA, Jubal L. Hamil , Deakle Sholtis & Hamil, LLC, Mobile, AL, Stanley P. Baudin , Pendley Baudin & Coffin, LLP, Plaquemine, LA, for Plaintiff-Appellant.

Jan T. Chilton , Philip Barilovits , Severson & Werson, San Francisco, CA, Edward G. Bowron , Ricardo A. Woods , Burr & Forman, LLP, Mobile, AL, John Robert Chiles , Burr & Forman, LLP, Fort Lauderdale, FL, Elena Kouvabina , Michael Steiner , Severson & Werson, San Francisco, CA, Mark R. Freeman , U.S. Department of Justice, William M. Jay , David L. Permut , Goodwin Procter, LLP, Washington, DC, for Defendant-Appellees.

Before CARNES, Chief Judge, DUBINA, Circuit Judge, and ROSENTHAL, District Judge.

ROSENTHAL, District Judge.

We are asked in this appeal to interpret a covenant included in all contracts for home mortgage loans guaranteed by the Federal Housing Administration. The covenant requires borrowers to insure their homes against "any hazards for which Lender requires insurance" and to "also insure ... against loss by floods to the extent required by" the Department of Housing and Urban Development, the Federal...

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