Stonegate Insurance Company v. Smith

Insurance coverage dispute as to whether a homeowner’s policy provided coverage for a fire started when the policyholder was performing plumbing work “as a favor for a friend” at a townhouse residence that he did not own. The trial court found that the homeowner’s policy covered the damages. The appellate court affirmed, finding that the policyholder was not a plumber by trade and did not receive compensation for his work so that the “professional services” and “business pursuits” exclusions of the policy did not bar coverage and that the policy did not explicitly exclude liability for negligence at another homeowner’s property. (McBRIDE and ELLIS, concurring)