Reference no: EM131042848

Mr. Keyes was injured on April 30, 2010, when he fell off Ms. Thibodeaux’s roof. Mr. Keyes was cleaning and measuring the roof in preparation for painting when, unbeknownst to him, Ms. Thibodeaux sprayed a section of the metal roof with water. Mr. Keyes slipped on the wet roof and fell, seriously injuring himself. He filed the lawsuit under Ms. Thibodeaux’s homeowner’s policy against Lighthouse Property Insurance. Mr. Keyes and Ms. Thibodeaux married in August of 2008 but physically separated four months into the marriage. Mr. Keyes and Ms. Thibodeaux have not divorced. Mr. Keyes testified that he lives in a home he owns with his grandmother and aunt. He stated that he lived in that house prior to marrying Ms. Thibodeaux and returned there after he was kicked out of her home 15 months prior to the accident. The homeowners policy precluded coverage for bodily injury to the named insured and relatives “who are residents of the insured’s household.” The definitions section of the policy states that the spouse of the name insured is treated as the named insured, if a resident of the same household. Lighthouse has refused coverage for Keyes under its reading of the policy. Keyes disagrees. Decide. [Keyes v. Thibodeaux, 85 So.3d 1284 (La. App.)]