Indiana Natural & Illuminating Gas Co. v. New Hampshire Fire Insurance

53 N.E. 485, 23 Ind. App. 298, 1899 Ind. App. LEXIS 52
CourtIndiana Court of Appeals
DecidedApril 19, 1899
DocketNo. 2,747
StatusPublished
Cited by5 cases

This text of 53 N.E. 485 (Indiana Natural & Illuminating Gas Co. v. New Hampshire Fire Insurance) is published on Counsel Stack Legal Research, covering Indiana Court of Appeals primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Indiana Natural & Illuminating Gas Co. v. New Hampshire Fire Insurance, 53 N.E. 485, 23 Ind. App. 298, 1899 Ind. App. LEXIS 52 (Ind. Ct. App. 1899).

Opinion

Wiley, J. —

Appellee was plaintiff below, and, from its complaint, it appears that appellee was an insurance company engaged in the business, of insuring property against loss by fire, and had issued a policy of insurance upon certain property belonging to one Patrick Slattery. Appellant was engaged in furnishing natural gas for heating and illuminating purposes, and said Slattery was one of its patrons. The property which appellee had insured was a house and household furniture.

It was charged in the complaint that within a few days prior to June 7, 1897, appellant, in the exercise of due care, [299]*299had been, accustomed to, and did, keep a watchman during the night, which was necessary to prevent accidents and the communication of fire to buildings into which gas was con-, veyed and supplied, and whose duty it was to observe and regulate, through proper machinery and appliances, the pressure and supply of natural gas, so that the pressure and supply would not become too .great during the night, and thereby prevent excessive and over-heating of stoves, and thereby to prevent the communication of fire by such excessive heating to buildings, etc. That on June 7, 1897, appellant carelessly and negligently failed to keep such watchman on guard and duty, and, in consequence thereof, the pressure and supply of gas became very great and excessive, and beyond all reasonable demand; that thereby the supply of gas in the cooking stove in the dwelling-house of said Slattery became so great and excessive during the night, when the members of his family were asleep, that it communicated fire to said dwelling, burning the same and its contents, and that by reason thereof appellee was compelled to, and did, pay to said Slattery, on account of said insurance policy, the damage to his said property occasioned by said fire, in the sum of $470.16;- that said fire and damage were caused without any fault or negligence of appellee or said Slattery, and wholly on account of the negligence and fault of appellant, in not having and keeping a watchman on guard as aforesaid. It further appears from the complaint that in said insurance policy there was a clause which provided that if appellee claimed that the fire was caused by the act or negligence of any other person, or corporation, then on payment of the loss by appellee, it should be subrogated to all right, of recovery by the insured, and that the insured should assign such right to appellee; that said Slattery did, at the time of the payment of the loss to. him, make such assignment. The clause in the policy to which we have referred, and the assignment o£. Slattery, are copied bodily into the complaint. Slattery was made a party defendant to answer aS to his interest, if any, and suffered a default.

[300]*300- Appellant demurred to the .complaint for want of sufficient facts, which demurrer was overruled. The case was put at issue by an answer in general denial, trial by jury, and a general verdict for appellee. Appellant’s motion for a new trial was overruled, and, by its assignment of errors, the overruling of the demurrer to the complaint, and the overruling of the motion for a new trial, are respectively challenged.

The right to maintain the character of an action declared upon in the complaint is clearly recognized in this and other states. In Phoenix Ins. Co. v. Pennsylvania R. Co., 134 Ind. 215, 20 L. R. A. 405, the subject is ably discussed and authorities collected.

Appellant’s learned counsel, in their brief, have not, in our judgment, pointed out any defects in the complaint. This court in Alexandria Mining, etc., Co. v. Painter, 1 Ind. App. 587, held, and correctly, as we think, that a company, or corporation, which furnishes natural gas to consumers, and negligently increases the pressure of gas in the consumer’s-pipe so beyond the accustomed pressure that it overheats the stove of the consumer, and without his fault sets fire to his property and destroys it, he may recover damages occasioned thereby. And as an insurance company which has paid the loss may be subrogated to the right of the consumer, it may recover the amount required to be paid by it under its policy.

The complaint before us states a cause of action, in that it shows that appellee had insured Slattery’s property; that it was destroyed by the carelessness and negligence of appellant, without any fault .of Slattery or appellee; that it had paid the loss, and had been subrogated to the rights of Slattery. The complaint charges that appellant negligently failed to provide a watchman at night, so that he might control the increase and supply of gas, and that the services of such watchman were necessary for that purpose. The demurrer to the complaint was properly overruled.

[301]*301This leaves for our consideration the questions presented by appellant’s motion for a new trial. The motion for a new trial is based on alleged errors in admitting and rejecting certain evidence, and in giving and in refusing to give certain instructions, and that the verdict is contrary to law, and not sustained by sufficient evidence.

As to whether Slattery’s property was destroyed by overheating the stove and pipe, occasioned by excessive pressure and supply of gas, or by reason-of a defectively constructed stove-pipe and flue, is a disputed question of fact; and as there is evidence in the record which supports the conclusion reached by the jury, to wit, that the fire was occasioned by the latter means, we cannot disturb the verdict- on the evidence. The evidence shows that Slattery’s property, which was destroyed by fire, was in the city of Crawfordsville,- and that appellant piped to said city gas for use by its patrons and consumers, from the gas fields near ISToblesville; that it was conveyed through an eight inch main, and that the pressure was uniform to all consumers. Appellee introduced a number of witnesses residing in different parts of said city of Orawfordsville, who were patrons of appellant, to prove that on the night Slattery’s property was burned, their stoves became unusually hot about the time the fire at Slattery’s occurred. To all. this evidence, appellant objected, and over its objection, the court admitted it.

It will be unnecessary to set out or refer to all such evidence, for it is all of the same character in effect, and the examination of the evidence of one of the witnesses upon the subject will suffice. Michael Collins was called as a witness by appellee. After directing his attention to the night of the fire at Slattery’s, he was asked and answered the following questions: “Q. I will ask you if you remember that night about the fire and alarms that were given? A. Yes sir. Q. I will ask if you observed'that night your stove, did you see your stove at any time during that night after 12 o’clock, or at any time? A. Between one and two [302]*302o’clock. Q. What was the condition as to shedding heat or otherwise?” To this last question, appellant objected, and the objection is fully stated 'in the record. The objection was overruled, and the witness answered: “Oh yes, it was pretty warm.” By other questions and answers, it was shown that the stove was red hot.

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Bluebook (online)
53 N.E. 485, 23 Ind. App. 298, 1899 Ind. App. LEXIS 52, Counsel Stack Legal Research, https://law.counselstack.com/opinion/indiana-natural-illuminating-gas-co-v-new-hampshire-fire-insurance-indctapp-1899.