Siravo v. Great American Insurance Co.

410 A.2d 116 (1980)

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Siravo v. Great American Insurance Co.

Rhode Island Supreme Court
410 A.2d 116 (1980)

RW

Facts

Rachael Siravo (plaintiff) lost her house in a fire. Siravo sued her insurer, Great American Insurance Company (Great American), after Great American refused to cover her loss. In its defense, Great American argued that Siravo failed to provide proof of loss within the 60-day time frame set by state law and stipulated in Siravo’s policy. The federal district court entered judgment for Great American. Siravo appealed to the First Circuit, which certified to the Rhode Island Supreme Court the question of whether, absent a showing of prejudice, state law permitted an insurer to deny coverage due to an insured’s failure to provide timely proof of loss.

Rule of Law

Issue

Holding and Reasoning (Weisberger, J.)

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