Ryding v. The Cincinnati Special Underwriters Insurance Company

Administrator of estate filed declaratory judgment action seeking coverage for fire damage to estate's real estate which occurred after Decedent's death. Portion of declarations page specifying the insured under the policy named the Public Guardian and made reference to a nonexistent "Named Insured Schedule", which was reason enough for inquiry into intention of parties as to identity of insured. Public Guardian obtained coverage to protect property interests of his wards, including Decedent while she was his ward, and premiums for coverage of ward's property were chargeable to her estate. Thus, Decedent's estate, rather than guardian of estate, was intended to be an insured under policy, and damage to property of estate was a covered loss. (BURKE and McLAREN, concurring.)