Home Insurance v. Metropolitan Fuels Co.

250 A.2d 535, 252 Md. 407, 1969 Md. LEXIS 1099
CourtCourt of Appeals of Maryland
DecidedFebruary 11, 1969
Docket[No. 92, September Term, 1968.]
StatusPublished
Cited by6 cases

This text of 250 A.2d 535 (Home Insurance v. Metropolitan Fuels Co.) is published on Counsel Stack Legal Research, covering Court of Appeals of Maryland primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Home Insurance v. Metropolitan Fuels Co., 250 A.2d 535, 252 Md. 407, 1969 Md. LEXIS 1099 (Md. 1969).

Opinion

Finan, J.,

delivered the opinion of the Court.

This case arises out of a fire which occurred at the residence of Joseph M. Turner, Poe Road, Bethesda, Maryland, on February 23, 1965. At the time of the fire Mr. Turner carried fire insurance on his home with The Home Insurance Company (appellant) under a policy which granted the right of subrogation to the insurer against third party tortfeasors whose wrongful acts might prove to have been the cause of any loss under the policy.

On February 22, 1965, Mr. Turner’s oil burner went out, as a result of which his furnace failed to generate heat. He *409 called the Metropolitan Fuels Company (appellee) to send a serviceman to start the furnace again. Appellee had been the sole supplier of fuel, service, repair and maintenance to Mr. Turner’s home oil burner for over seventeen years. One of appellee’s servicemen was dispatched to the Turner home where he worked on the oil burner. About an hour after his arrival he told Mr. Turner that a part was needed to effect the repair and he left the Turner residence and returned a short time later, presumably with the needed part. Work was continued on the oil burner until it was once again operating at w^hich time the serviceman informed Mr. Turner that the job was completed and that the oil burner and furnace were once more producing heat.

The following evening, February 23, 1965, while preparing to go out for the evening the Turners noticed a strong smell of oil in the house. Being satisfied that the smell was the result of their oil tank having been recently filled, they departed. They returned home the same evening at about 11 :30 P.M. and found their house in flames and fire department equipment on the scene. The Turners’ home sustained damages in the amount of $22,786.70, which was paid them by the appellant under the fire insurance policy.

Subsequently the appellant filed suit against the appellee in the Circuit Court for Montgomery County, alleging that the negligent acts and omissions of the appellee in servicing the oil burner caused a flow of oil seeping from the oil burner to become ignited resulting in the spread of the fire from within the firebox to the exterior area of the premises with the attendant damages.

At the trial appellant called as one of its witnesses Mr. Robert Wiseman, an independent insurance adjuster, who for 35 years had specialized in investigating and adjusting fire losses. He testified that he had investigated the fire in the Turner home the day after it had occurred and during the course of his investigation had taken some pictures of the scene. These pictures were introduced into evidence by the appellant and Mr. Wiseman used them to indicate to the jury that the lowest point of the house damaged by the fire was the area below a section of the oil burner which extended beyond the furnace *410 casing and that the fire had burned in an upward direction from that point. Mr. Wiseman further testified that the fire started at the furnace enclosure, where he noted a heavy smell of oil, and that in his opinion the fire started from oil running out from the firebox, accumulating outside the furnace and igniting on the floor of the furnace room.

The appellant also called as one of its witnesses, Mr. Earle Poole, a Montgomery County fire inspector who testified that in his official capacity he examined and inspected the Turner home both on the night of the fire and the day after for the purpose of determining the source and cause of the fire. His first visit to the Turner home was before midnight on the night of the fire at which time he testified he smelled the odor of oil fumes. He returned to the scene the next day to inspect the furnace and oil burner. He found that the oil burner section of the furnace had oil leaking from a plate which was located outside the combustion area of the furnace. He removed four bolts from this plate to determine why the oil was leaking and he found a gasket which did not match the area to be sealed.

Inspector Poole testified that as a result of his investigation he was able to form an opinion as to where the fire had started and what had caused it. The court sustained the appellee’s objection to the appellant’s question as to what that opinion was.

At the close of Inspector Poole’s testimony the appellant rested its case; whereupon, the defendant moved for a directed verdict on the issue of liability which was granted. It is from the julgment on the directed verdict in favor of the defendant that this appeal is taken.

We are presented with two issues in this case: (1) resolving all of the evidence, and inferences to be reasonably drawn therefrom, in favor of the plaintiff, was there legally sufficient evidence of negligence on the part of the defendant, which may have been the proximate cause of the fire, as to justify the submission of the case to the jury for determination of that issue; and (2) was the lower court in error in excluding the testimony of Fire Inspector Poole, as to his opinion, as to the probable cause of the fire.

I

This Court has so often repeated the test to be applied when *411 the trial court grants a directed verdict at the conclusion of the plaintiff’s case, that we repeat it again at the risk of being platitudinous. It suffices to say that a case should not be withdrawn from the jury, unless, in viewing the evidence and all inferences which may reasonably be drawn therefrom, in a light most favorable to the plaintiff, there is no legally sufficient evidence of negligence for the jury to consider. Smith v. Aulick, 252 Md. 268, 250 A. 2d 534 (1969). Bennett v. Bass, 248 Md. 260, 266, 235 A. 2d 715 (1967) ; Plitt v. Greenberg, 242 Md. 359, 219 A. 2d 237, 243 (1966) ; Smith v. Bernfeld, 226 Md. 400, 174 A. 2d 53 (1961) ; Ford v. Bradford, 213 Md. 534, 541, 132 A. 2d 488 (1957) ; Yellow Cab Co. v. Henderson, 183 Md. 546, 549, 39 A. 2d 546 (1944). However, to the effect that “legally sufficient” evidence, however slight, means more than a scintilla of evidence, see Trusty v. Wooden, 251 Md. 294, 247 A. 2d 382 (1968) and Fowler v. Smith, 240 Md. 240, 246, 213 A. 2d 549 (1965).

In the instant case several witnesses, including Wiseman, the insurance adjuster; Knott, the contractor who estimated the cost of repairs and Fire Inspector Poole, all testified that the lowest point of incineration was the area of the basement floor immediately in front of the oil burner. Wiseman and Inspector Poole both testified, that based on their many years of experience in investigating fires, that fires tended to burn upwards, hence the significance of determining the lowest point of the fire.

Free access — add to your briefcase to read the full text and ask questions with AI

Related

Mayor of Baltimore v. Stokes
94 A.3d 159 (Court of Special Appeals of Maryland, 2014)
Miller v. Montgomery County
494 A.2d 761 (Court of Special Appeals of Maryland, 1985)
Hensley v. Rich
380 A.2d 252 (Court of Special Appeals of Maryland, 1977)
Keene v. Arlan's Department Store of Baltimore, Inc.
370 A.2d 124 (Court of Special Appeals of Maryland, 1977)
Baulsir v. Sugar
293 A.2d 253 (Court of Appeals of Maryland, 1972)
Stickell v. Mayor of Baltimore
250 A.2d 541 (Court of Appeals of Maryland, 1969)

Cite This Page — Counsel Stack

Bluebook (online)
250 A.2d 535, 252 Md. 407, 1969 Md. LEXIS 1099, Counsel Stack Legal Research, https://law.counselstack.com/opinion/home-insurance-v-metropolitan-fuels-co-md-1969.