Ruede v. City of Florence

In this insurance dispute, plaintiffs filed a claim for property damage under a policy issued by defendant Truck Insurance Exchange. Defendant denied the claim on the ground that the damage was subject to various exclusions from coverage. Plaintiffs initiated this action for breach of contract. Defendant moved for, and obtained, summary judgment on the basis of the exclusions. Plaintiffs appeal, arguing that the trial court erred in granting the motion for summary judgment because defendant failed to demonstrate that any of the exclusions unambiguously apply. We conclude that at least one of the exclusions from coverage does unambiguously apply and therefore affirm.