New opinion — insurance company wins policy-interpretation dispute

Torre v. Liberty Mutual — insurance — affirmance — per curiam

The Torres own land with a house on it. Both the land and the house were damaged in Hurricane Sandy. The insurer paid to remove debris from the house, but refused to pay to remove debris from the land. The insurance contract said, “we wil pay the expense to remove non-owned debris that is on or in insured property.” The Torres sued, the district court ruled for the insurer, and today the Third Circuit affirmed. It ruled that “on or in insured property” unambiguously referred to only the house, not the land.

The panel was Ambro, Vanaskie, and Sloviter, and the case was decided without argument.