                                      In The

                               Court of Appeals
                    Ninth District of Texas at Beaumont
                           ____________________
                              NO. 09-16-00011-CV
                           ____________________

               JAMES C. ILER AND LINDA ILER, Appellants

                                        V.

        RVOS FARM MUTUAL INSURANCE COMPANY, Appellee

________________________________________________________________________

                    On Appeal from the 75th District Court
                           Liberty County, Texas
                        Trial Cause No. CV0902090
________________________________________________________________________

                          MEMORANDUM OPINION

      James and Linda Iler (“the Ilers” or “Appellants”) appeal the trial court’s

take-nothing judgment pursuant to the jury’s verdict in favor of RVOS Farm

Mutual Insurance Company (“RVOS”). On appeal, the Ilers argue that the trial

court erred in allowing the jury to interpret an exclusionary clause in an insurance

policy and that the trial court erred in denying Appellants’ motion for judgment

notwithstanding the verdict because they conclusively established their damages


                                         1
and attorney’s fees. Alternatively, the Ilers argue that charge error requires a new

trial.

                                    Background

         After RVOS denied their claim for damages allegedly caused by

Hurricane Ike in 2008, the Ilers sued RVOS, with whom the Ilers contracted for

property insurance for their home in Liberty. In their suit, the Ilers alleged claims

for breach of contract, breach of duty of good faith and fair dealing, and violations

of certain sections of the Texas Insurance Code.1 On September 24, 2015, the Ilers

filed Plaintiffs’ Motion for Construction of Provision of Contract, requesting a

ruling from the trial court “construing the language of an exception to an exclusion

in the insurance contract that forms the basis of this suit so that the court’s

interpretation can be submitted to the jury in the charge.” The relevant policy

exclusion provided as follows:

         PART 8 “Losses Not Covered”
         1.    The following exclusions apply to loss to property described
         under Part 3 – PROPERTY COVERAGE, but they do not apply to an
         ensuing loss caused by fire, smoke or explosion.
               ....


         According to Plaintiffs’ Second Amended Original Petition, after Plaintiffs
         1

filed suit, RVOS filed a summary judgment alleging that RVOS was not liable on
the policy because of the exclusion language in Part 8 of the policy. The motion for
summary judgment and order denying summary judgment are not part of the
appellate record.
                                         2
             c. We do not cover loss caused by windstorm, hurricane or hail
             to:
                    ....
                   (4) the interior of a covered building or to personal
                   property contained in a covered building unless direct
                   force of wind or hail makes an opening in a roof or wall
                   and rain enters through this opening and causes the
                   damage.

The Ilers further requested that the trial court “find that the words ‘wind makes an

opening in a wall’ include wind-created separations between a door and a

doorframe, between two doors, and between a window and a window frame[.]”

RVOS filed a response to the motion and argued that neither the definition of wall

nor the definition of door in the Merriam-Webster dictionary supports the Ilers’

contention that a door is considered part of a wall, neither definition references the

other, and the definition of wall does not state that it includes windows and

doorways as part of the wall. According to RVOS, “[u]sing the ordinary common

meanings of words, had coverage been intended, the words ‘windows’ and ‘doors’

would have been included.” On October 7, 2015, the Ilers filed Plaintiffs’

Amended Motion for Construction of Provision of Contract stating the following:

             Plaintiffs seek a ruling from the court construing the language
      of an exception to an exclusion in the insurance contract that forms
      the basis of this suit so that the court’s interpretation can be submitted
      to the jury in the charge.[] Plaintiffs seek a holding that the language
      is unambiguous and an interpretation of the language, and
      alternatively seek a holding that the language is ambiguous and an
      interpretation of the language. Specifically, Plaintiffs request the court
                                          3
      find that the words of the exception cover a situation in which wind
      creates a separation between a door and its frame or threshold,
      between two doors, and between a window and its frame.

The Ilers argued that “[a]s only the interpretation of an exclusion is in dispute,

Plaintiffs contend there is no ambiguity in the contract and the interpretation of the

exclusion is a matter of law for the court.” According to the Ilers, (1) the ordinary

and generally-accepted meaning of the word “opening” includes a space created

when two things that are meant to go together are separated, and that any

separation of a door and its frame and threshold large enough for rain to pass

through is an opening; and (2) the ordinary and generally-accepted meaning of the

words “opening in a wall” would include doorways and window openings, and if

the wind forces a separation between a door and its frame or threshold large

enough for rain to get through then the wind makes an opening in a wall.

      At a pre-trial hearing, the trial court found, based on the four corners of the

contract, that the exclusion was not ambiguous, there was no conflict in the law,

and that any conflict in the evidence would be for the jury to decide. The trial court

further explained:

             I denied [RVOS’s] motion for summary judgment because I
      wasn’t prepared to say as a matter of law that the facts and events of
      this case do not fall within coverage.

            This jury may decide by [sic] hurricane force wind blowing
      through the weather stripping created a hole or a gap in the wall. I
                                          4
      think that’s a point of evidence, and it’s a point of argument that
      you’re going to make towards this jury for them to find or not find.

             They may decide -- I don’t see that that’s a question of law.

The trial court severed the extra-contractual claims from the breach of contract

claim, and the breach of contract claim was tried to the jury.

                   Trial Testimony and Post-Judgment Pleadings

      Linda Iler (Linda) testified she and her family moved into their newly-built

home in Liberty County in March 2007. The Ilers purchased an insurance policy

from an insurance agent in Dayton, Texas. At trial, Linda identified the “The Star

Policy[,]” the insurance policy through RVOS that the Ilers purchased. Linda

testified that she was aware that she and her husband were required to pay

premiums under the policy, and that they did not have to pay any premium for

excluded items. Linda also testified that she and her husband were aware that Part

8 of the policy was the exclusion portion of the policy, and that they were aware of

that portion at the time they bought the policy.

      About a year and a half after moving into the home, Hurricane Ike made

landfall. According to Linda, she was present at the home when the hurricane made

landfall and she became concerned that the French doors in the back of her house

that opened inward into the house might be pushed open by the winds. She testified

she pushed a recliner chair against the doors so “that for some reason if the doors
                                          5
did give that would maybe stop the doors from opening completely.” Linda

testified that someone at the radio station reported to her that the winds had been

blowing 120 miles per hour during the hurricane.

      According to Linda, she noticed water on the floor in front of the French

doors the morning after the worst of the storm had passed. She testified she used

three or four bath towels to clean up the water. Linda explained at trial that once

the winds died down later that morning she walked the exterior of the house and

did not see any flood water or watermarks on the outside of her home. She testified

that on the lot they owned next to their house she noticed the tops of trees were

gone and branches were lying on the ground, and that one tree had been knocked

down. According to Linda, there were no watermarks on the interior walls of her

home, she did not notice any leaks in the ceiling or broken windows, she noticed

that the weather stripping that was on the French doors prior to Hurricane Ike now

was gone, and she did not see anything that would lead her to believe that a flood

caused water to get on the floor. Linda testified that the windows and doors of her

home were closed during the storm and that she did not see a hole in her home’s

roof or wall.

      Linda testified that for about ten days after Hurricane Ike the family stayed

at Linda’s mother-in-law’s home because her mother-in-law had a generator big

                                        6
enough to run the air conditioning. According to Linda, during that ten-day period

she made a visit to her home and noticed that the wood flooring where the water

had been had started to buckle, and that over time there was damage to the floor

under beds that were up against windows in other rooms.

      Linda explained at trial that she made an insurance claim with RVOS, two

adjusters inspected her home, and she told the adjusters that the weather stripping

around the doors was gone and that she thought the wind and the rain had caused

the floor damage. Linda testified about a letter dated October 16, 2008, which was

admitted into evidence at trial. According to Linda, RVOS stated in the letter that

the Ilers’ insurance policy does not include flood coverage and that the claim was

denied because Part 8 of their insurance policy excludes “loss caused by or

resulting from flood, surface water, waves, tidal water or tidal waves, overflow of

streams or other bodies of water or spray from any of these whether or not driven

by wind.” Linda further testified that she received a letter from RVOS dated April

27, 2009, stating that after Alamo Claims Service inspected the damage, RVOS

was “unable to make an allowance for the damage or further investigative testing

as the damage was not caused by the named peril in [the Ilers’] policy.” The April

letter was also admitted into evidence. Linda explained to the jury that she hired

the company that built the house to repair the flooring, and the flooring was

                                        7
repaired. According to Linda, at the time of trial she and her husband still had not

paid the company for the repairs.

      Linda further testified as follows:

      Q. Mrs. Iler, do you know what a doorway is?

      ....

      A. Oh, a doorway, yes, of course.

      Q. Is a doorway an opening in a wall?

      A. Yes, it is.

      Q. If you attached a door to a doorway but you leave the door open, is
      there an opening in the wall?

      A. Yes.

      Q. If you close the door, is there an opening in the wall?

      A. No.

      ....

      Q. . . . . If the wind blew very hard against the door and if the wind
      caused the door to bow or separate or otherwise create space between
      the door itself and the door frame or the threshold or between the
      doors and that separation was big enough for rain to go through, is a
      space between a door and its frame or between two doors or between
      a door and its threshold, is a space an opening?

      A. Yes.




                                            8
      Q. So, would you say that if the wind blew hard enough to make a
      separation between two doors, around the door, under the door, it has
      made an opening?

      A. Yes.

       ....

      Q. Can a wall have a doorway in it?

      A. Yes.

      Q. Can a wall have a window opening in it?

      A. Yes.

      On cross-examination, Linda testified that she understood that exclusions are

things that the policy will not cover, and that she understood Part 8, the portion of

the policy entitled, “Losses not covered[,]” even prior to buying the policy. The

policy was admitted into evidence at trial. According to Linda, she latched the

French doors before the hurricane hit because she knew there would be strong

wind, and the doors did not open as a result of the storm. Linda testified that she

believed either the wind blew causing the doors to bulge and allowing water to go

in or that the weather stripping was blown away or damaged allowing water to get

in. During cross-examination, Linda testified to the following:

      Q. All right. I’m guessing that what you’re asking this jury to find is
      that the door is a wall and since it bulged or the stripping was gone
      water entered in and that’s how come RVOS should pay?

                                         9
A. Yes, sir.

Q. That’s your position?

A. That’s my position, yes, sir.

....

Q. Also, ma’am, I asked you -- I didn’t ask you. Mr. Bowersox, the
attorney talking to you in your deposition, asked you to give him
some definitions. Do you remember that?

A. Yes, sir.

Q. We asked you to define door and wall.

A. Yes.

Q. Do you recall what your definition to door was or can you just give
us the definition of a door?

A. The definition of a door to me is a wall with an opening.

Q. Okay. What’s the definition of a wall?

A. A wall is just a solid structure.

....

Q. Ma’am, looking at the insurance policy, Exhibit Number 8 -- you
may have it there still.

A. Yes, sir.

Q. You heard we’re talking about plain language use of words, right?

A. Yes, sir.

                                       10
Q. All right. I don’t mean this other than a legitimate question. Okay?

A. Yes, sir.

Q. A roof is a roof?

A. Right.

Q. Wall is a wall?

A. Right.

Q. Window is a window, correct?

A. Correct.

Q. Door is a door?

A. Correct.

Q. The language of this policy states that if the force of wind and rain
makes an opening in a roof or a wall, correct?

A. Yes.

Q. It doesn’t say door?

A. Right.

Q. Doesn’t say window?

A. Correct.

....

Q. Now, it’s your position -- and I’m just surmising. Nobody knows
exactly, but it’s your position that the French doors that were hung in

                                  11
      the back of that house either bulged or the weather stripping gave way
      to allow some water in, correct?

      A. Yes.

      Q. But that was definitely around the French doors?

      A. Yes, sir.

      Q. Not a wall?

      A. Not a wall.

      Q. And obviously not a roof?

      A. Yes, sir.

      Q. All right. And, of course, that’s just using the plain language to
      read it?

      A. Yes, sir.

      James Iler (James) testified that his wife obtained the insurance policy on

their home when it was built, that he agreed that the policy should be purchased,

and that premiums were paid on the policy. According to James, he was not at the

home during the hurricane because he, as a police officer with the Baytown Police

Department, was required to stay in Baytown up to four days to provide patrol

services during the storm. James testified that he ended up working two weeks

before getting a day off, and it was after these two weeks that he first noticed the

floors around the French doors buckling. James did not see any damage to the roof

                                        12
or the windows, but when he opened the French doors he noticed the weather

stripping “appeared to have been pushed in” toward the interior of the house.

James testified that he and his wife hired Pelco to repair the floors. According to

James, the Ilers were charged almost $31,000 for the repairs but, as of the time of

trial, the Ilers had not paid Pelco for the repairs.

      On cross-examination, James acknowledged that he understood that an

exclusion is something that the insurance will not pay, and that the purchaser of the

policy does not pay for the excluded coverage. He testified as follows:

      Q. . . . . That exclusion [in part 8] states that basically the only time
      the insurance company that y’all contracted between each other would
      pay for wind driven rain, hurricane rain, is when there is an opening
      through a roof or a wall.

      A. Correct.

      Q. Obviously roof has nothing to do with your claim. There was no
      damage to the roof?

      A. No.

      ....

      Q. Because your wife said that she was told I believe 120 mile-an-
      hour winds and the house was fine other than possibly the French
      doors or the weather stripping coming out, correct?

      A. Correct.

      Q. No windows were blown out?

                                            13
A. No.

Q. Shingles weren’t blown off? I think one of the pictures has a fire
suppressor thing on top of the chimney. That wasn’t blown off?

A. No.

Q. . . . Did you say it was at that time that you noticed the doors were
open or were they shut? I may have misunderstood you.

A. The French doors?

Q. Correct.

A. It was closed.

Q. When you went two weeks later?

A. Yes.

Q. So, the doors were fine?

A. They were closed, yes.

Q. They weren’t broken off the hinges?

A. No.

Q. Okay. And a wall is what?

A. A wall is a structure that could carry weight or not carry weight.

Q. Do you remember we asked you what your definition just as a lay
person of what a wall is during your deposition?

A. I remember the question.

Q. Have you reviewed your deposition?
                                  14
        A. Yes.

        Q. Recently?

        A. Couple of days ago.

        Q. Do you remember saying it’s something that’s solid and you
        cannot go through it?

        A. Yes.

        Q. That was your own definition?

        A. Yes.

James further agreed on cross-examination that the exclusion at issue here

specifically stated that an opening has to be made in a wall for coverage to exist,

that his definition of a wall is something that you cannot walk through, and he

agreed that you can walk through a door. On redirect examination, James agreed

that a doorway is an opening in a wall, and that if you put a door in the way and the

door is open, there is an opening in the wall, and that a doorway can be part of a

wall.

        Question Number 1 to the jury stated the following:

              Did R.V.O.S. Farm Mutual Insurance Company (“RVOS”) fail
              to comply with the insurance policy with respect to James C.
              Iler and Linda Iler’s claim arising from Hurricane Ike?

              You are instructed the policy does not cover losses caused by
              windstorm, hurricane or hail to the inside of a building or
              personal property contained in a building unless direct force of
                                           15
               wind or hail makes an opening in the roof or wall and rain or
               snow enters through this opening and causes the damage.

The jury found that RVOS did not fail to comply with the insurance policy with

respect to the Ilers’ claim arising from Hurricane Ike. The trial court accepted the

verdict, granted a take-nothing judgment in favor of RVOS, ordered that all taxable

costs be taxed against the Ilers, and ordered that all other relief not specifically

granted be denied. The Ilers filed a motion to disregard the jury’s finding and for

judgment notwithstanding the verdict, or in the alternative, a motion for new trial.

RVOS filed a response, and the trial court denied the Ilers’ motion.

                       Standard of Review and Applicable Law

       In determining a question of insurance coverage, we look first to “the

language of the policy because we presume parties intend what the words of their

contract say.” Gilbert Tex. Constr., L.P. v. Underwriters at Lloyd’s London, 327

S.W.3d 118, 126 (Tex. 2010). We give the policy’s terms “their ordinary and

generally-accepted meaning unless the policy shows the words were meant in a

technical or different sense.” Id. Since insurance policies are contracts, we construe

them “according to general rules of contract construction to ascertain the parties’

intent.” Id.

       “Terms in insurance policies that are subject to more than one reasonable

construction are interpreted in favor of coverage.” Id. at 133; see also State Farm
                                         16
Life Ins. Co. v. Beaston, 907 S.W.2d 430, 433 (Tex. 1995) (“Only if an insurance

policy remains ambiguous despite these canons of interpretation should courts

construe its language against the insurer in a manner that favors coverage.”). “But

an ambiguity does not exist simply because the parties interpret a policy

differently.” Gilbert, 327 S.W.3d at 133 (citing Am. Mfrs. Mut. Ins. Co. v.

Schaefer, 124 S.W.3d 154, 157 (Tex. 2003)).

      “Initially, the insured has the burden of establishing coverage under the

terms of the policy.” Id. at 124 (citing Ulico Cas. Co. v. Allied Pilots Ass’n, 262

S.W.3d 773, 782 (Tex. 2008)). To avoid liability, the insurer then has the burden to

plead and prove that the loss falls within an exclusion to the policy’s coverage. Id.;

see also Tex. Ins. Code Ann. § 554.002 (West 2009) (“In a suit to recover under an

insurance . . . contract, the insurer . . . has the burden of proof as to any avoidance

or affirmative defense that the Texas Rules of Civil Procedure require to be

affirmatively pleaded. Language of exclusion in the contract . . . constitutes an

avoidance or an affirmative defense.”); Tex. R. Civ. P. 94 (“Where the suit is on an

insurance contract which insures against certain general hazards, but contains other

provisions limiting such general liability, the party suing on such contract shall

never be required to allege that the loss was not due to a risk or cause coming

within any of the exceptions specified in the contract, nor shall the insurer be

                                          17
allowed to raise such issue unless it shall specifically allege that the loss was due to

a risk or cause coming within a particular exception to the general liability . . . .”).

“If the insurer proves that an exclusion applies, the burden shifts back to the

insured to show that an exception to the exclusion brings the claim back within

coverage.” Gilbert, 327 S.W.3d at 124.

                    Submission to the Jury and Denial of JNOV

      In their first appellate issue, the Ilers argue that their loss was covered as a

matter of law and, therefore, the jury’s answer to Question 1 was immaterial and

should be disregarded. The Ilers contend on appeal that the interpretation of an

unambiguous contract is a question of law for the court, and that the trial court

“improperly submitted a question of law – what the exclusionary language of an

insurance policy means – to the jury.” According to their brief, the Ilers argue this

Court should render judgment that their loss was covered under the policy, and that

RVOS breached the insurance agreement as a matter of law. In their second issue,

the Ilers argue the trial court erred in denying their motion for judgment

notwithstanding the verdict because the Ilers conclusively established their

damages and attorney’s fees.

      RVOS argues that the trial court had determined, prior to trial and based on

the four corners of the contract, that the exclusion at issue was not ambiguous and

                                          18
there was no conflict in the law, and that any conflict in the evidence the jury

would decide. According to RVOS, the trial court determined that there was a

question of fact for the jury as to whether or not the openings occurred from a hole

in the roof or wall. RVOS also asserts that the trial court properly denied the Ilers’

motion for judgment notwithstanding the verdict because the Ilers were not entitled

to damages and attorney’s fees as a matter of law absent an affirmative finding of

liability.

       According to the record before us, the trial court found, based on the four

corners of the contract, that the exclusion was not ambiguous, there was no conflict

in the law, and that any conflict in the evidence would be for the jury to decide.

The trial court explained that it would be the task of the jury to weigh the evidence

and then determine whether hurricane force wind blowing through the weather

stripping created a hole or a gap in the wall. The jury charge included the trial

court’s instruction that, “If my instructions use a word in a way that is different

from its ordinary meaning, use the meaning I give you, which will be a proper

legal definition.” We also note that although the Ilers on appeal argue that question

one was improper because it was a question of law for the trial court, the Ilers did

not object to the wording of the question at trial but offered an additional

instruction to the question at the charge conference.

                                         19
      The Ilers contend that the issue submitted in jury question one was a

question of law that should not have been submitted to the jury but should have

been determined by the trial court. We disagree. While it is true that the jury

should not be called upon to construe the legal effect of an instrument, see Knutson

v. Ripson, 354 S.W.2d 575, 576 (Tex. 1962), the submission of a jury question is

not error where the wording in the question does nothing more than present a

question to the jurors based upon the facts. See Nat’l Union Fire Ins. Co. v.

Hudson Energy Co., 780 S.W.2d 417, 419-21 (Tex. App. Texarkana 1989), aff’d,

811 S.W.2d 552 (Tex. 1991). In the present case, the trial court determined that the

relevant contract terms were not ambiguous. The trial court did not provide any

specific definitions for the words in the exclusion, and it instructed the jury to give

the words their ordinary meaning. The trial court couched jury question one in the

terms of the policy and did not ask the jury to construe the parties’ obligations

under the policy. See id. A reasonable jury could have found that RVOS did not

fail to comply with the policy with respect to the Ilers’ claim. Issue one is

overruled. Because we have concluded that question one was a proper question for

the jury and that ample evidence supported the jury’s answer, we also overrule

issue two.




                                          20
            The Ilers’ Proposed Instruction Refused by the Trial Court

      In issue three, the Ilers argue in the alternative that their proposed instruction

refused by the trial court was proper, was supported by the pleadings and the

evidence, and would have assisted the jury. According to the Ilers, “[i]f the jury

had received the proffered instruction, the jury likely would have correctly found

that RVOS failed to comply [with] the insurance policy when it refused to cover

the Ilers’ loss[.]” RVOS contends that the proposed instruction “was a blatant

comment on the weight of the evidence[]” and was improper.

      We review the decision of whether to submit a particular instruction for an

abuse of discretion. Shupe v. Lingafelter, 192 S.W.3d 577, 579 (Tex. 2006); Hamid

v. Lexus, 369 S.W.3d 291, 295 (Tex. App.—Houston [1st Dist.] 2011, no pet.). A

trial court abuses its discretion if it acts in an arbitrary or unreasonable manner

without reference to any guiding rules or principles. Walker v. Gutierrez, 111

S.W.3d 56, 63 (Tex. 2003). “The essential inquiry is whether the instruction or

definition aids the jury in answering the questions.” Hamid, 369 S.W.3d at 295. A

court has wide latitude to determine the sufficiency of explanatory instructions and

definitions. Plainsman Trading Co. v. Crews, 898 S.W.2d 786, 791 (Tex. 1995).

      An instruction is proper if it assists the jury, is supported by the pleadings or

evidence, and accurately states the law. Union Pac. R.R. Co. v. Williams, 85

                                          21
S.W.3d 162, 166 (Tex. 2002). A jury instruction is improper if it comments on the

weight of the evidence or “nudge[s]” or “tilt[s]” the jury. Wal-Mart Stores, Inc. v.

Johnson, 106 S.W.3d 718, 724 (Tex. 2003); Hamid, 369 S.W.3d at 295.

       Rule 277 provides in relevant part as follows:

       The court shall not in its charge comment directly on the weight of the
       evidence or advise the jury of the effect of their answers, but the
       court’s charge shall not be objectionable on the ground that it
       incidentally constitutes a comment on the weight of the evidence or
       advises the jury of the effect of their answers when it is properly a part
       of an instruction or definition.

Tex. R. Civ. P. 277. An impermissible comment on the weight of the evidence

occurs when, in light of the entire charge, the judge has “assumed the truth of a

material controverted fact or exaggerated, minimized, or [withdrawn] some

pertinent evidence from the jury’s consideration.” Tex. Mut. Ins. Co. v. Boetsch,

307 S.W.3d 874, 879-80 (Tex. App.—Dallas 2010, pet. denied). An instruction is

also an improper comment on the weight of the evidence if it suggests to the jury

the trial judge’s opinion concerning the matter about which the jury is asked. Id. at

880.

       Question number one proposed by the Ilers was identical to question

number one presented in the charge to the jury except that the Ilers requested the

following additional instruction:


                                          22
      You are further instructed that an opening between or through a door
      and its frame or threshold, between two doors, and between or
      through a window and its frame created by direct force of wind or hail
      through which rain or snow enters and causes damages is a covered
      loss under the policy.

At the charge conference, counsel for the Ilers argued that “[t]he plaintiffs request

that this instruction be added because the interpretation – the conflicting

interpretations and the exclusionary provision we believe are a question of law for

the court and not a matter for the jury.” The trial court refused the additional

instruction requested by the Ilers.

      The proffered instruction instructed the jury how to construe the relevant

contract terms. Because the relevant words in the insurance policy were to be given

their ordinary meaning, as the jury was instructed, the instruction was correctly

refused. Additionally, the requested would have constituted “nudging” and an

improper comment on the weight of the evidence. See Johnson, 106 S.W.3d at 724;

Hamid, 369 S.W.3d at 295. Issue three is overruled. We affirm the trial court’s

judgment.

      AFFIRMED.


                                                    _________________________
                                                       LEANNE JOHNSON
                                                             Justice


                                         23
Submitted on March 23, 2017
Opinion Delivered November 16, 2017

Before McKeithen, C.J., Kreger and Johnson, JJ.




                                      24
