State Farm Fire and Casualty Company Missouri Cases

Philip and Lori Brewer filed an insurance claim with State Farm for property damage to their home. When the parties disagreed on the scope of covered repairs, the Brewers sought to invoke the policy's appraisal provision and moved the circuit court to appoint an umpire. The appellate court reversed the circuit court's order, holding that the dispute concerned the scope of coverage, not merely the amount of loss, and therefore the appraisal provision was inapplicable. The court vacated the judgment and dismissed the petition for umpire appointment without prejudice.

Jonathan Loomis appealed the trial court's grant of summary judgment to State Farm Fire and Casualty Company regarding underinsured motor vehicle coverage. Loomis was injured in an accident while covered by a temporary insurance binder, but State Farm denied his claim, asserting his coverage limits matched the at-fault driver's. The appellate court reversed the summary judgment and remanded the case, holding that the insurance binder was ambiguous because it referenced a non-existent "Declarations Page" for coverage limits, thus creating a genuine issue of material fact.