Texas Court of Appeals, 1st District (Houston) April 19, 2012, 01-10-00740-CV, 01-10-01150-CV (Javier Alvarado v. Lexington Insurance Company)

JANE BLAND, Justice,

dissenting.

A lender obtains a mortgage insurance policy to protect itself when its borrower fails to secure his own insurance coverage for mortgaged property, placing the lender’s collateral at risk. The borrower in this case did not secure his own homeowner’s coverage. The borrower now sues the lender’s insurance carrier directly for coverage for roof damage to his home.