Providence Washington Insurance Company v. O. C. Proffitt

Summary

The Texas Supreme Court affirmed the Court of Civil Appeals, holding that floodwaters constitute a "collision" under Coverage B‑1 and that the exclusion language in Coverage A does not limit the insurer's liability under Coverage B‑1. The dissent argued that the policy should be read as a whole and that the flood exclusion should apply to Coverage B‑1.