In Michigan, an arsonist set the plaintiff’s liquor store on fire. The store was insured by the defendant insurance company under a policy contract with a modifying protective safeguard endorsement that required the plaintiff to install an “automatic fire alarm.”
The defendant denied the plaintiff’s property damage claim under the policy, asserting that the plaintiff did not have an automatic fire alarm. The plaintiff filed suit against the defendant insurance company for breach of contract. The court granted the defendant insurance company’s motion for summary judgment, finding that the plaintiff did not have an automatic fire alarm as required by the policy. The defendant appealed.