Kansas City Fire & Marine Insurance v. Bituminous Casualty Corp.

209 So. 2d 785, 1968 La. App. LEXIS 5443
CourtLouisiana Court of Appeal
DecidedApril 8, 1968
DocketNo. 2790
StatusPublished
Cited by4 cases

This text of 209 So. 2d 785 (Kansas City Fire & Marine Insurance v. Bituminous Casualty Corp.) is published on Counsel Stack Legal Research, covering Louisiana Court of Appeal primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Kansas City Fire & Marine Insurance v. Bituminous Casualty Corp., 209 So. 2d 785, 1968 La. App. LEXIS 5443 (La. Ct. App. 1968).

Opinion

SAMUEL, Judge.

Plaintiff, subrogated fire insurer of a residence, instituted this suit for $9,980, the amount it paid its insured for fire damage to that property. The petition alleges the fire originated in the warm air furnace system and was caused by negligent and improper installation of the furnace; alternatively the petition specially pleads the doctrine of res ipsa loquitur. The defendants are: (1) Garden Plaza Corporation, the builder and owner from which plaintiff’s insured purchased the residence; (2) James C. Smith, d/b/a James C. Smith Contractors, the general contractor who constructed the building; and (3) Bituminous Casualty Company, the alleged insurer of the other two defendants.

Garden Plaza and Smith answered denying negligence in the installation of the furnace and alternatively pleading that, in the event of a judgment against them, judgment also should be rendered against Bituminous. Bituminous filed an answer in the form of a general denial of any liability and subsequently filed a motion for summary judgment seeking dismissal of the suit on the ground that their policy of insurance did not afford coverage of the fire damage.

The trial court referred the motion for summary judgment to the merits. After trial there was judgment against the plaintiff, dismissing its suit as to all defendants, [787]*787without ruling on the Bituminous question of coverage. Plaintiff has appealed.

In this court plaintiff contends: (1) the trial court erred in not applying the doctrine of res ipsa loquitur, the defendants failed to overcome the inference of negligence established by that doctrine and therefore plaintiff is entitled to a judgment as prayed; and alternatively (2) even if the doctrine of res ipsa loquitur is inapplicable, the evidence adduced at the trial requires a judgment for the plaintiff as prayed.

Many of the essential facts are not in serious dispute. Garden Plaza owned lots in a subdivision located in Belle Chasse, Louisiana. James C. Smith, who was also the president and majority stockholder of Garden Plaza, constructed homes on those lots for the corporation which then sold them to individual purchasers. One of those new and previously unoccupied homes, the building involved in this suit, was sold to plaintiff’s insured on July 12, 1961. The fire occurred on February 8,1962. The furnace had been installed by the contractor during construction in a closet approximately in the center of the building; the fire originated in that closet; and basically, the furnace was the cause of the fire.

Plaintiff’s insured and his wife testified the heater was used for- the first time about November 1, 1961, no work had been done on the heater or the heating system except that the filter had been cleaned with a vacuum cleaner twice before the fire (the last time being two weeks before), and the heater had functioned properly prior to the fire.

With regard to the question of whether or not the heater had been installed properly plaintiff offered the testimony of Mr. Charles W. Fox, Jr., the operator- of a company doing heating and air conditioning work, who was accepted by the trial court as an expert in the field of heating; defendants offered the testimony of Mr. John C. Heard, a plumbing and heating contractor, who also was accepted by the trial court as an expert in the field of heating, and Mr. Smith, the defendant contractor.

Mr. Fox testified he inspected the damaged property less than two weeks after the date of the fire at the request of an adjustment company. He found the furnace was a conventional upright heating unit manufactured by a concern named Grove. While he was not familiar with the Grove product, he was familiar with that type of heating unit. The furnace had been installed in a closet adjacent to a hallway and a small den. A return air grill, the face area of which was 18" x 12", was in the lower part of the closet. The only other ventilation was the fact that the closet was open to the attic. There were two registers (a register being the terminal end of a duct), one 8" x 6" mounted vertically in the living room-furnace closet wall and another, a 6" round ceiling type, mounted in the ceilingicommon to two bedrooms. The 6" register was'served by a 5" duct. He discussed the small amount of clearance from the furnace to the walls of the closet; but he admitted what constituted sufficient clearance would depend on the manufacturer’s specifications since some furnaces are constructed so that they may be installed in direct contact with combustible material. He was unable to say in this case whether the clearances were sufficient or insufficient because he had been unable to obtain such specifications due to the fact that the manufacturer of the furnace, Grove, had gone out of business. He felt there should have been three grills instead of one, two for combustion and ventilation and one for return air. He also felt the duct system was inadequate and that a “good average” would have been five registers /with larger ducts. In his opinion the primary cause of the fire was what he considered an inadequate duct system. He also testified the furnace was equipped with a limit switch, an emergency safety feature, which had to fail in order for the furnace to overheat sufficiently to cause the fire. Shortly after his inspection and prior to trial he had rendered a written report to the [788]*788adjustment company which stated that the inadequacy of the duct system, combined with the indication of a dirty filter and the failure of the limit switch, resulted in the overheating of the furnace and the fire.

Mr. Heard testified he was familiar with the Grove Model SA 85 upright type forced warm heat gas fired furnace equipped with wall type thermostat, the heater involved here, and its requirements and specifications for proper installation. He had this type of heater in his own office. In response to a hypothetical question based on the actual amount of clearance from the furnace to the walls of the furnace closet as found by the plaintiff’s' expert witness, Fox, this witness testified such clearances were proper and in accordance with the requirements of the American Gas Association. In response to another hypothetical question relative to the grill, the two registers and the duct, together with their sizes, all as found by Mr. Fox in his inspection and all as contained on a sketch drawn by Mr. Fox and introduced in evidence, Mr. Heard stated the entire installation was proper and in accordance with the standards and requirements for this particular heating unit.

Mr. Smith testified the manufacturer’s specifications and requirements had been followed in the installation of the heating unit in question. In addition, he had built twenty-four houses in the subdivision including the home purchased by plaintiff’s insured, all of which were built under FHA supervision. In order to obtain an FHA commitment it is necessary to submit complete plans and specifications, including a heating plan and heating lines. Only after the FHA approves these plans as satisfactory is the commitment issued. Thereafter three inspections are made by the FHA during construction. He identified a copy of the FHA satisfactory compliance, inspection report for the property here involved, which report was received in evidence. The thrust of Mr. Smith’s testimony relative to the FHA appears to be that if the proper standards and requirements for the heating unit had not been met the FHA would not have approved either the plans and specifications or the completed construction.

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Cite This Page — Counsel Stack

Bluebook (online)
209 So. 2d 785, 1968 La. App. LEXIS 5443, Counsel Stack Legal Research, https://law.counselstack.com/opinion/kansas-city-fire-marine-insurance-v-bituminous-casualty-corp-lactapp-1968.