An appellate court in Texas affirmed a trial court decision denying personal injury protection benefits to an insured who claimed he was injured while helping move metal roofing sheets after they were unloaded from a delivery truck.

After a hailstorm damaged the roof of Alan Kiely’s home in Wimberly, Texas, Kiely ordered metal roofing sheets from a home center to repair the roof. They arrived in the bed of a delivery truck driven by home center employee Brian David Reeves. The sheets were bound in three bundles by length.