In the Supreme Court of Mississippi; Corban v. USAA, Case No. 2008-IA-00645-SCT

Dr. and Mrs. Corban owned a home in Long Beach, Mississippi which was damaged as a result of Hurricane Katrina on August 29, 2005.  The Corbans had purchased a homeowner’s policy from USAA which afforded protection from windstorm damages.  The Corbans properly notified USAA of their claim for damages.  USAA conducted an inspection of the Corbans’ residence and made the determination that the majority of physical damage was a result of flooding from storm surge which was excluded by the homeowner’s policy.  As such, USAA refused to pay for damages it alleged were the result of water or damages which resulted from wind and water acting together.  The Corbans filed suit. (more…)