An insurance company accused of refusing to reimburse a couple for damages caused to their home following a fire has denied liability in the lawsuit.

According to the Oct. 31 complaint, plaintiffs Kenneth and Sherry Dailey claim they had an insurance policy through defendant Country Mutual Insurance Company that was supposed to cover any damages to their home. On July 4, 2013, the house caught fire, causing severe damages, the suit states.

“The fire caused such extensive damage that no substantial remnant remained,” the complaint states. “No ordinary, reasonable, and prudent uninsured person would use the remaining structure for rebuilding or restoration.”

The policy limit under the plaintiffs’ Country Mutual insurance policy was $77,011.27, and the Daileys have since filed a claim seeking repayment of the policy, the suit states.

However, they claim Country Mutual failed to repay the couple, except for $18,000 for temporary living expenses.

Country Mutual Insurance answered the complaint on Dec. 18 denying the allegations against it.

Circuit Judge Andrew Gleeson scheduled a status conference for Feb. 9 at 9 a.m.

The plaintiffs are represented by Canice Timothy Rice Jr. of St. Louis.

Country Mutual Insurance is represented by Christopher B. Bortz of Neville, Richards & Wuller, LLC, in Belleville.

St. Clair County Circuit Court case number 14-L-721

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