Request for Rehearing--UP argued that the Court of Appeal improperly ignored the State Farm policy language obligating the insurer to defend both claims and suits. By ignoring this language the First District violated the rule in California that “insurance contracts are construed to avoid rendering terms surplusage. Since State Farm’s policy used both “claims” and “suits” it clearly intended those terms of art to have separate and different meanings.
"Your home is probably underinsured. Don't wait to find out the hard way like we did. UP's tips will help you avoid a nightmare and protect your most valuable assets."