Ronald Koziol v. Peerless Insurance Company

Summary

The Rhode Island Supreme Court affirmed the Superior Court’s judgment that the homeowners’ insurance policy, including the Special Ultra Plus endorsement summary, was ambiguous and therefore must be construed in favor of the insured. The Court held that the ambiguity created by the endorsement’s language and the policy’s exclusions obligates Peerless Insurance to cover the plaintiffs’ costs to bring the home into code compliance. The decision relied on established principles that ambiguities in insurance contracts are resolved against the insurer.