Madison v. Caledonian-American Ins. Co. of New York

43 N.E.2d 245, 36 Ohio Law. Abs. 172, 1940 Ohio App. LEXIS 1047
CourtOhio Court of Appeals
DecidedMay 2, 1940
DocketNo. 390
StatusPublished
Cited by2 cases

This text of 43 N.E.2d 245 (Madison v. Caledonian-American Ins. Co. of New York) is published on Counsel Stack Legal Research, covering Ohio Court of Appeals primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Madison v. Caledonian-American Ins. Co. of New York, 43 N.E.2d 245, 36 Ohio Law. Abs. 172, 1940 Ohio App. LEXIS 1047 (Ohio Ct. App. 1940).

Opinion

[175]*175OPINION

By BARNES, J.

The above entitled cause is now being determined as an error proceeding by reason of defendant’s appeal on questions of law from a judgment of'the Court of Common Pleas, Miami County, Ohio.

The cause originated in the Municipal Court of Piqua, Miami County, Ohio, and after issues joined was tried before a jury, resulting in a verdict and judgment for plaintiff.

On appeal to the Common Pleas Court on questions of law, the judgment was affirmed.

On appeal to our court we have presented to us the pleadings and record from the Municipal Court and in the same form as was presented to the Court of Common Pleas.

Plaintiff’s action against the defendant was predicated on a fire damage claim amounting to $479.80 on a two-family, residence property located in Piqua, Ohio, and upon which a Are insurance policy duly issued by the defendants to plaintiff was then in force. The Are occurred on February 20, 1936. On the following day plaintiff caused verbal notice of such Are to be given to the local agent of the defendant company. Within ten days or two weeks, an adjuster appeared in Piqua and, after viewing the premises and receiving from plaintiff an estimate of claimed loss, opened negotiations looking to the adjustment of plaintiff’s claim. The only question of difference was the amount of the Are damage. Negotiations continued untü at least May 5th and, a settlement not having been agreed upon, plaintiff Aled her action on July 14, 1936. The plaintiff in her petition in the Arst paragraph thereof set out the ownership of the premises, the issuing of the policy of insurance thereon by the defendant company, the payment of the premium, the amount of the policy, the time of coverage, and the further provision that loss or damage by Are, according to the terms of the insurance contract, was to be paid within 60 days after proof of loss was furnished to defendant.

The second paragraph of the petition, among other things, alleges that on February 20, 1936, the said house of plaintiff was damaged by Are to the extent of $479.80 and that on the following day notice of loss was given to the defendant company, and the matter was referred to its adjusters who requested that an appraisement of said loss and damage be obtained. The same was obtained and submitted to the adjusters and to the defendant company. Subsequently, offers of settlement were made to this plaintiff, which offers were rejected, and the condition of the policy requiring actual proof of loss was waived until such time as a satisfactory settlement was effected, and that plaintiff has duly performed all other conditions required to be performed under said policy, but no part of said loss has been paid, although demand has been made therefor. The third and last paragraph of the petition is the prayer for judgment, etc.

The defendant, after service of summons, within due time Aled motion requesting the Court to [176]*176strike from the petition the following allegations as contained in the second paragraph thereof:

“And the matter was referred to its adjusters, who requested an appraisement of the said loss and damage be obtained, and the same was obtained and submitted to the adjusters and to the defendant company, and subsequently several offers of settlement were made to this plaintiff, which offers were rejected, and the condition of the policy requiring actual proof of the loss was waived until such time as a satisfactory settlement was effected.”

for the claimed reason that the same is redundant, immaterial, irrelevant, and prejudicial. The attached memoranda in support of the motion urges the impropriety of injecting into the case the offers of settlement and compromise. The trial court overruled the motion, after which defendant filed answer.

The first defense of the answer admitted the execution and issuance of the policy of insurance, together with all its terms, as set out in the petition. It admits the damage to the premises by fire at the time alleged, and, further, that no part of any loss has been paid. It admits, further, that the matter of said loss was referred to its adjuster, and that an offer for settlement, for settlement purposes only, was made to said plaintiff. Further answering, defendant denies each and every other allegation contained in the petition.

For a second defense the defendant, among other things, avers in substance that the policy of insurance contained a provision against other insurance on the same property whether valid or not. It further averred that plaintiff, in violation of the condition and terms of the policy, on the date of said fire had another policy of fire insurance, carried in the name of her husband, Clyde Madison, in the National Mutual of Celina, Ohio, to the amount of $3,000.00, which policy was in full force and effect.

These two paragraphs of the answer on motion of plaintiff were stricken, apparently for the reason that issuing of the policy in the name of the husband would not be in violation of the terms of the policy.

An amended answer was filed, the first defense of which was identical with the original answer. The second defense, of course, omitted the two paragraphs stricken from the first answer. The second defense set out in substance the following, all relating to the claimed terms of the policy and plaintiff’s non-compliance therewith:

First, it was averred that it was provided in the policy that if fire occurred the insured would give immediate notice of any loss thereby in writing to said company; second, that insured should protect the property from further damage, forthwith separate the damaged and undamaged personal property, put it in the best possible order, make a complete inventory of same, stating the quantity and cost of each article and the amount claimed thereon; third, within 60 days after the fire, unless such time is extended in writing by said company,

“shall render a statement to said company, signed and sworn to by said insured, stating the knowledge and belief of the insured as to the time and origin of the fire; the interest of the insured and al! others in the property; a cash value of each item thereof and the amount of loss thereon; all encum[177]*177brances thereon; all other insurance, whether valid or not, covering any of said property and a copy of all the descriptions and schedules in all policies; and provides further that no suit or action on said policy for the recovery of any claim shall be sustainable in any court of law or equity until after a full compliance of the insured with all the requirements of said policy.”

Defendant makes specific averpaents that plaintiff failed to give immediate notice of said loss in writing to the company and further failed to furnish the proof of loss with other detailed information, all required to be in writing and verified. The answer further alleges that the company never waived any of the conditions of said policy.

Defendant further avers that by reason of plaintiff’s violation of terms and conditions of said policy, said policy is void. The prayer asks that plaintiff’s petition be dismissed. Plaintiff’s reply admits the averments in defendant’s answer as to the provisions and conditions of the policy of insurance set out in second paragraph of defendant’s answer. Plaintiff says that she has complied with all the provisions and conditions on her part to be performed by the terms of the insurance policy.

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Bluebook (online)
43 N.E.2d 245, 36 Ohio Law. Abs. 172, 1940 Ohio App. LEXIS 1047, Counsel Stack Legal Research, https://law.counselstack.com/opinion/madison-v-caledonian-american-ins-co-of-new-york-ohioctapp-1940.