Artist Building Partners and Howard Caughron v. Auto-Owners Mutual Insurance Company

This appeal involves a dispute between an insurer and its insured following a fire loss at a commercial building. The case was resolved by a series of motions for partial summary judgment. The issues on appeal involve the amount of damages owed by the insurer for the insured’s lost business income during the period of restoration of the building following the fire. The insurer relies upon two separate provisions of the insurance policy to argue that its obligation to pay for lost business income was limited to either six or, at most, twelve months. The trial court denied the insurer’s motions for partial summary judgment and granted the motions for partial summary judgment filed by the insured, holding that the insurer’s obligation to pay was not limited to either a six-month or a twelve-month period. The insurer appeals. We affirm and remand for further proceedings as may be necessary.