Supreme Court of Alabama April 23, 2004, 1030305 (McCray v. State Farm Fire & Casualty Insurance)

STUART, Justice.

Howard McCray, Jr., and his wife Donna McCray appeal from a summary judgment in favor of State Farm Fire and Casualty Insurance Company. We reverse and remand.

Facts

In 1990, Karen Smith Acker, a State Farm insurance agent, sold Howard McCray and Donna McCray homeowners insurance on their residence. The declarations page of the policy listed the named insured as “McCray, Howard C.