Langevin v. Allstate Ins. Co.Annotate this Case
Plaintiffs purchased property from Charles Johnson. During the pendency of the sale of the property, Johnson misrepresented the condition of the property and failed to disclose its prior use as a junkyard. Plaintiffs filed a complaint against Johnson alleging various causes of action and seeking damages for loss of investment, undisclosed physical problems with the property, and emotional distress. While he owned the disputed property, Johnson maintained a homeowners insurance policy with Allstate Insurance Company. Allstate refused to defend or indemnify Johnson on Plaintiffs' complaint. Plaintiffs and Johnson subsequently reached an agreement resolving the underlying complaint, and the superior court entered a judgment against Johnson for $330,000. Plaintiffs then initiated a reach and apply action against Allstate. The trial court granted summary judgment for Johnson, determining that the policy did not cover the damages Plaintiffs suffered. The Supreme Court affirmed, holding that Plaintiffs' damages did not constitute covered "bodily injury" or "property damage" pursuant to the Allstate homeowners insurance policy.