Commonwealth Lloyds Insurance Co. v. Downs
H. Edward Downs sued Commonwealth Lloyds Insurance Company after his casualty insurance claim was rejected. Downs' covered horse arena collapsed due to accumulated ice during a severe winter storm. Downs argued that 'sleet' or 'ice pellets' causing the collapse should be covered under the policy's 'hail' provision, while the insurer maintained it was not a covered peril. The jury initially found in favor of Downs on multiple claims, including breach of contract and violations of the Texas Insurance Code and DTPA. However, the appellate court reversed the trial court's judgment, concluding that the property damage was not covered under the insurance policy and therefore, claims of unfair practices or breach of good faith and fair dealing were also not supported. A take-nothing judgment was rendered for Commonwealth.