James Ryan v. Mfa Mutual Insurance Company

The sole issue in this appeal from the granting of a motion to dismiss is whether an innocent co-insured can collect on a joint insurance policy where the other co-insured destroyed the insured property, and where the innocent co-insureds interest in the property is severable from that of the other co-insured. In this case, appellant James Ryans wife set fire to their house, and Ryan sought a recovery from appellee MFA Mutual Insurance Company for the value of certain destroyed contents of the house which he claimed belonged to him. A copy of Ryans policy with the relevant provisions underlined is attached to this opinion as an appendix.