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Sikes v. Great Lakes Reinsurance UK PLC

The trial court's order granting summary judgment to an insurance company in an action to recover damages the plaintiff suffered in connection with the loss of his home and its contents due to a fire was unclear in its conclusion that there was a failure to create a genuine issue of material fact.

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Jimmy Sikes “Sikes” appeals from the trial court’s order granting summary judgment to Great Lakes Reinsurance UK PLC “Great Lakes” on Sikes’ lawsuit to recover damages suffered in connection with the loss of his home and its contents due to a fire. For the reasons that follow, we vacate and remand with direction.

The record shows that Sikes purchased a policy of homeowners’ insurance the “policy” from Great Lakes that was effective from August 7, 2009 through August 7, 2010, for 841 McGregor Road, Alston, Georgia the “property”. In early October 2009, there was a fire at Sikes’ home making it uninhabitable, and he lost all of his property that was in the house at the time of the fire.1 Within a day or two, Sikes notified Great Lakes about the fire and made a claim under the policy for his damages.

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