Thomure v. Truck Ins. Exchange, 85-1031

• Decision Date: 08 January 1986
• Docket Number: No. 85-1031,85-1031
• Citation: 781 F.2d 141
• Parties: Wendell THOMURE and Dorothy Thomure, Appellants, v. TRUCK INSURANCE EXCHANGE, Appellee.
• Court: U.S. Court of Appeals — Eighth Circuit

Page 141

781 F.2d 141

Wendell THOMURE and Dorothy Thomure, Appellants, v. TRUCK INSURANCE EXCHANGE, Appellee.

No. 85-1031.

United States Court of Appeals,

Eighth Circuit.

Submitted Nov. 4, 1985.

Decided Jan. 8, 1986.

Kenneth L. Dement, Jr., Sikeston, Mo., for appellants.

Daniel E. Wilke, Clayton, Mo., for appellee.

Before ARNOLD, Circuit Judge, HENLEY, Senior Circuit Judge, and JOHN R. GIBSON, Circuit Judge.

PER CURIAM.

Wendell and Dorothy Thomure appeal an adverse judgment entered on a jury verdict in their claim against Truck Insurance Exchange on their fire insurance policy. There was no question about the existence of insurance and the occurrence of the fire; the essential issues tried involved the claim of arson. The Thomures argue that there was insufficient evidence to support a jury finding of arson and that defense counsel in closing argument made misstatements of the evidence that were sufficiently prejudicial to require a new trial. We affirm the judgment of the district court. ¹

After fire destroyed the Thomure residence, the Thomures' claim for benefits under their fire policy was denied by Truck Insurance Exchange, which asserted that the fire had been intentionally set. The Thomures then brought this diversity action. In Missouri, the defense of arson in a civil action on an insurance policy need only be established by a preponderance of the evidence, and the evidence may be circumstantial rather than direct. Ferguson v. American Family Mutual Insurance Co., 566 F.Supp. 1090, 1093 (E.D.Mo.1983). The burden of proof is on the defendant to show that the insured intentionally set the fire, but a broad range of circumstantial evidence may be admitted for the jury to consider. McIntosh v. Eagle Fire Co., 325 F.2d 99, 100 (8th Cir.1963).

Three experts testified that the fire was incendiary in origin and was of such a high temperature as to bend the steel beam and melt bedsprings and wiring, unusual conditions in a house fire. Plaintiffs had one expert who said the fire was electrical. Wendell Thomure had purchased four gallons of kerosene before the fire which had been placed in the clothes closet. There was testimony that the fire was of gasoline origin and that a liquid accelerant had been poured throughout the structure and had caused an irregular burn pattern on a threshold plate with signs of fire burning beneath it. Defendant elicited testimony from the Thomures on various matters which, although not suspicious when viewed separately, would allow the jury to infer that plaintiffs had both a motive and an opportunity to set the fire. Plaintiffs' house was insured for twice its purchase price, and they made extremely large claims for destroyed personal property. Mr. Thomure was in poor health, and everything he owned, including the house, had been for sale for four years before the fire. Plaintiffs' adult son, Mike, lived with them. All three were uncharacteristically away from the house the night of the fire. No one else had keys. Mike, who discovered the fire at 3:00 a.m., did not testify. Before the fire there was evidence that the Thomures had moved firewood, household furnishings and a dog from the premises. Because the Thomures were away, Dorothy, Wendell and Michael Thomure's cars were gone and the vehicles that were left were a driveway's width away from the house. Wendell Thomure was the last to leave the house and he left it locked.

Recently in Craft v. Metromedia, Inc., 766 F.2d 1205 (8th Cir.1985), this court set out the standards for review of the submissibility of an issue to the jury. We there stated:

The standard of review as to the submissibility of [the proponent's] case is the same under both federal and Missouri law. Crues v. KFC Corp., 729 F.2d 1145, 1148 (8th Cir.1984). We may find for [the other party] only if "all the evidence points one way and is susceptible of no reasonable inferences sustaining the position," of [the proponent]. Id. (quoting Dace v. ACF Industries, 722 F.2d 374, 375 (8th Cir.1983) (quoting Decker-Ruhl Ford Sales v. Ford Motor Credit Co., 523 F.2d 833, 836 (8th Cir.1975)). Furthermore, we must resolve direct factual conflicts in favor of [the proponent], assume as true all facts in [its] favor which the evidence tends to prove, and give [it] the benefit of all reasonable inferences. We may not find for [the other party] if the evidence so viewed would "allow reasonable jurors to differ as to the conclusions that could be drawn." See Crues, 729 F.2d at 1148 (quoting Dace, 722 F.2d at 375).

Id. at 1218.

In Lockamy v. United States Fidelity & Guaranty Co., 652 F.2d 753 (8th Cir.1981) (per curiam), this court declined to overturn a jury verdict for the insurance company in an arson defense case. The issue in Lockamy was whether there was sufficient evidence to show that the insured actually started the fire or directed someone to start it....