Borchardt v. State Farm Fire and Casualty Co., No. 18-2610 (8th Cir. 2019)Annotate this Case
Plaintiffs appealed the district court's denial of their motion for judgment as a matter of law in an action seeking reimbursement from State Farm after their house was destroyed by fire. The district court found that there was sufficient evidence to allow a reasonable juror to conclude that plaintiffs overstated the value of items lost in the fire by thousands of dollars and thus no expert was required to explain to the jury that fraudulent statements of this magnitude would be material to an insurer.
The Eighth Circuit affirmed and held that the record contained sufficient evidence to sustain the jury's determination that plaintiffs made material misrepresentations relating to their insurance claims and thus these material misrepresentations regarding the personal property lost in the fire voided their right to recover at all under the policy.