Fidelity Union Fire Ins. Co. v. Hicks.

250 S.W. 1084, 1923 Tex. App. LEXIS 115
CourtCourt of Appeals of Texas
DecidedApril 4, 1923
DocketNo. 2113. [fn*]
StatusPublished
Cited by4 cases

This text of 250 S.W. 1084 (Fidelity Union Fire Ins. Co. v. Hicks.) is published on Counsel Stack Legal Research, covering Court of Appeals of Texas primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Fidelity Union Fire Ins. Co. v. Hicks., 250 S.W. 1084, 1923 Tex. App. LEXIS 115 (Tex. Ct. App. 1923).

Opinion

KDETT, J.

Charles Hicks was the plaintiff below in a suit against the Fidelity Union Fire Insurance Company to recover on two/ policies of hail insurance, issued by. virtue. of. applications dated June 7, 1921. One of the policies insured appellee in.the ^principal sum of $1,500 against damage by jha.il. to 60 acres of growing cotton, and the other policy insured appellee and one W. j. 'Sherwood in the principal sum of $2,500 ;against, damage by hail to one-half interest' ■in 125 acres of growing cotton. This policy . *1085 was assigned to plaintiff on October 14,1921. ■Tbe piaintiff alleged a total loss, caused by bail falling on tbe 1st and 3d of July, 1921, and in a trial before a jury recovered judgment for $4,000. Tbe plaintiff’s petition contained a copy of eaeb policy and tbe application tberefor. Tbe “policy stipulations and .agreements” indorsed on tbe back of eacb policy read as follows:

“This policy of insurance is based upon the representations and descriptions contained in tbe assured’s application and diagram of even number herewith, 'which are hereby made a part of this contract, and the representations .of the assured with respect to amounts, limits per acre, premium, ownership, location and. description of crops insured hereunder, and it is further stipulated and agreed that any false statement or descriptions made in said application, or any fraud, or attempted fraud, false swearing, or misrepresentations by the assured, whether made before or after a loss has occurred, relative to this insurance or. the amount or cause of any loss to the crops herein described,' or if any change other than by death of an assured, takes place in the interest, title or possession of the' subject of insurance, without the consent of this company indorsed hereon, shall in each and every case render this entire policy null and void.
“If this policy covers corn, this company shall not be liable for damage to corn leaves unless such liability is assumed by special in-dorsement attached hereto.
“Total concurrent insurance, including this policy, shall not exceed sixty dollars ($60.00) per acre on irrigated land and forty dollars ($40.00) per acre on nonirrigated land; however, in event that the total insurance ■ per acre exceeds this limit, this company shall be liable only for its pro rata part of such limit per acre.
“In event of the total destruction by hail of the crops hereby described, or any part thereof, the amount payable hereunder as to each acre where this policy covers shall be the amount per acre named herein, and in event of partial destruction by hail only of the crops, or any part thereof, described in this policy, the amount payable per acre under this policy shall be in such proportion to the amount per acre specified herein as the damaged portion of said crop or crops bears to the sound condition of the particular crop or crops so damaged.
. “Upon adjustment of a loss or losses to the property insured the total amount of insurance named in this policy, and the limit per acre faamed in this policy on each acre so damaged, shall be reduced in the amount allowed for each and every loss.
■ “This company shall not be liable for any loss or damage by hail to the crops hereby described unless the loss or damage equals five per cent. (0%) or more of the total hail insurance covering the particular crop' so damaged; nor except for such portion as is traceable directly to hail, 'for any loss or damage to any of the crops herein described from ' any other cause' or causes combined with hail; nor for any loss or damage by hail to any of tbe crops herein described where such crops have been bo injured or damaged from any other cause or causds to preclude a profit oyer and above the actual cost of harvesting, gathering, threshing and marketing; nor for any loss or damage by hail resulting from the neglect or failure of the assured to cut, pick, pull, gather or harvest overripe crops. i
“The liability of this company upon cotton shall not exceed one-third of, the ascertained loss from .hail happening prior to June sixteenth, and not to exceed two-thirds of the ascertained loss occurring, on and/or between June sixteenth and June thirtieth, in that section of Texas lying north of the south line and west of the east line of the counties of Andrews, Martin, Howard, Mitchell, Nolan, Taylor, Callahan, Eastland, Palo Pinto, Parker, ■Wise, Montague, and not to exceed one-third of the ascertained loss from hail happening prior to May thirty-first and not to exceed two-thirds of the ascertained loss occurring on and/or between June first and June six.-teenth, in all of the remaining counties, provided that upon payment of such one-third or two-thirds loss the insurance upon each and every acre described herein shall be reduced in the amount of the total ascertained loss.
“If this policy covers cotton,- the liability of this company thereon shall be reduced in the ratable proportion in which said crop, or any part thereof, matures or is reduced by picking, pulling, cutting, or otherwise harvesting,..or through damage (other than hail as provided herein) however caused. When the cotton boll opens it shall be considered mature.
“Within forty-eight hours after the happening of any loss or damage by hail' to the crops herein described claimed by the assured to equal five per cent. (5%) or. more of the -total insurance against hail thereon, as hereinbe-fore-provided, the assured shall send by registered mail to this company at Dallas, Tex., a written notice stating the number of this policy, the day and hour of the hailstorm, the amounts of other insurance against hail, if any, and the probable percentage of damage to the crops on each parcel of land herein described; and this company shall not be. liable for any loss or damage unless such notice thereof is so furnished to this company within said time and no other form or service of notice shall be' deemed proper notice within the provisions' and meaning of this policy.
“If the actual loss or damage is found to be less than five per cent. (9%) of the total insurance against hail on said crops, as herein-before provided, then the assured shall pay all expenses of investigating said claim. Within sixty days after the happening of any such loss or damage equaling five per cent. (9%) or over, ‘unless such time be extended in writing by this company, the assured shall furnish to this company at Dallas, Tex., a statement in proof of the. loss, signed and sworn to, setting forth the number and date of. this policy, the location, description, and acreage of. the land upon which the crops are situated, a description of the crops damaged, and the percentage of damage to the crops contained in each parcel of land herein described, and a statement specifically detailing how and in what manner the amount claimed was determined; wbat, if any, other insurance; also whether crop has suffered previous loss; if so, hów mtich, and by whom insure.d. No denial of liability or other act on the part of this company, or on the par.t *1086

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Bluebook (online)
250 S.W. 1084, 1923 Tex. App. LEXIS 115, Counsel Stack Legal Research, https://law.counselstack.com/opinion/fidelity-union-fire-ins-co-v-hicks-texapp-1923.