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Case No. 21-0374

Wakonda Club
Selective Insurance Company of America

On March 17, 2020, the governor of Iowa issued a proclamation closing restaurants and bars because of the health threats posed by COVID-19. Wakonda Club (“Wakonda”) brought an action against Selective Insurance Company of America after Selective denied its claim for loss of income under its business interruption insurance policy. Wakonda sought a declaratory judgment regarding coverage, and alleged Selective breached the contract and acted in bad faith for its denial of coverage. Wakonda appeals from the district court’s entry of summary judgment for Selective. It argues the court erred by holding Wakonda had not suffered a covered loss because there was no physical alteration to its property, and the virus exclusion was not applicable because the proclamation, not the virus, caused it to close.



Wakonda Club


Selective Insurance Company of America

Attorneys for the Appellant

James W. Carney
Nicholas J. Mauro
Jasper P. Verhofste

Attorney for the Appellee

Douglas A. Haag

Supreme Court

Oral Argument Schedule


Feb 21, 2022 7:00 PM


Supreme Court Opinion

Opinion Number:
Date Published:
Apr 22, 2022
Date Amended:
Jun 22, 2022

Other Information

Date Retained:
Dec 29, 2021

View archived opinions from prior to November 2017

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