Rick & Charles Invests., L.L.C. v. Liberty Mut. Group, Inc.

Citations

• 2025 Ohio 1035

Syllabus

INSURANCE — VACANCY — CUSTOMARY OPERATIONS — BAD FAITH — SUMMARY JUDGMENT: Where the customary operations of the insured property were those of a church or synagogue, and where the property was not being used for those purposes, but rather was used as a warehouse, the trial court did not err in granting summary judgment to the insurer on a claim for breach of contract because the insurer properly denied coverage under a vacancy provision in the policy that required at least 31 percent of the property be used to conduct customary operations. Where the insurer had a reasonable justification to deny coverage, the insurer did not act in bad faith and the trial court properly granted summary judgment to the insurer on the insured's claim for bad-faith denial of coverage.