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STATE FARM LLOYDS v. JOHNSON

No. 06-1071.

290 S.W.3d 886 (2009)

STATE FARM LLOYDS, Petitioner, v. Becky Ann JOHNSON, Respondent.

Supreme Court of Texas.

Decided July 3, 2009.

Rehearing Denied August 28, 2009.

Attorney(s) appearing for the Case

John Christopher Nickelson, Joseph W. Spence, Julia Ann Dobbins, Michael W. Huddleston, Shannon, Gracey, Ratliff & Miller, L.L.P., Fort Worth, TX, for Petitioner.

Russell J. Bowman, Scott Bowman & Staella, Dallas, TX, for Respondent.

Linda Jene Burgess, Winstead PC, Peter R. Meeker, Davis & Wilkerson, P.C., Austin, TX, for Amicus Curiae.

Justice BRISTER delivered the opinion of the Court.

Appraisal clauses have appeared in most property insurance policies in Texas for many years. Although they rarely detail the scope of appraisal, there has rarely been any litigation about it. The parties here agree that the scope of appraisal includes damage questions and excludes liability questions, but they disagree which is involved in this dispute about hail damage to a homeowner's roof. Because an appraisal...

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