Stan Stumph, D/B/A Concrete Concepts/Dallas Fire Insurance Company v. Dallas Fire Insurance Company/Stan Stumph, D/B/A Concrete Concepts
Stan Stumph, d/b/a Concrete Concepts, initiated a lawsuit against Dallas Fire Insurance Company due to their refusal to defend and indemnify him in a prior suit. A jury ruled in Stumph's favor, awarding damages. Both parties appealed: Stumph sought treble damages, and Dallas Fire contested the actual damages. The Court of Appeals found Dallas Fire liable for unfair insurance practices and unconscionable conduct, stemming from misrepresentations by its agent regarding Stumph's policy and the agent's authority. The court concluded that coverage should have existed under the original policy, imposing a duty to defend and indemnify on Dallas Fire. Consequently, the appellate court modified the judgment to grant Stumph two times his actual damages and affirmed the modified judgment.