Richard E. Finch vs. Tennessee Farmers Mutual Insurance Co. - Concurring

This appeal addresses the issue of whether the “innocent co-insured doctrine,” first recognized by our supreme court in Spence v. Allstate Insurance Co., 883 S.W.2d 586 (Tenn. 1994), should be extended so as to permit the appellant, Richard E. Finch (Finch) to recover under an insurance policy, issued by the appellee, Tennessee Farmers Mutual Insurance Company (TFMIC), for loss to property held jointly with his co-insured spouse whose intentional acts caused the loss. The trial court  interpreting Tennessee case law to disallow such recovery primarily “on the basis of policy considerations,” entered a summary judgment for TFMIC.1 Finch challenges the correctness of that decision. For reasons to be set forth, we reverse and remand.