Non-Royalty Shoe Co. v. Phoenix Assurance Co.

210 S.W. 37, 277 Mo. 399, 1919 Mo. LEXIS 32
CourtSupreme Court of Missouri
DecidedMarch 17, 1919
StatusPublished
Cited by75 cases

This text of 210 S.W. 37 (Non-Royalty Shoe Co. v. Phoenix Assurance Co.) is published on Counsel Stack Legal Research, covering Supreme Court of Missouri primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Non-Royalty Shoe Co. v. Phoenix Assurance Co., 210 S.W. 37, 277 Mo. 399, 1919 Mo. LEXIS 32 (Mo. 1919).

Opinion

FARIS, J.

This is an action on a contract of insurance for a loss sustained by fire. Jurisdiction herein by reason of the amount involved lay originally in the St. Louis Court of Appeals, but that learned court, after filing an opinion reversing and remanding it for errors, certified it up to us, because Reynolds, P. J., deemed the holding in the opinion, upon the point of allowing an attorney’s fee as damages for an alleged vexatious refusal to pay the loss, in conflict with the decisions both of. the Kansas City Court of Appeals and of this court.

The facts of the case, so far as concern the pleadings and issues, are carefully and clearly stated by the Court of Appeals, thus:

“This is an action on one of -eleven policies insuring the plaintiff for one year against all direct loss or damage by fire, the total amount of insurance being $28,500, the amount carried by plaintiff in the defendant company, $3000. The property insured was personal property, machinery, power appliances, etc., contained in and on the brick building occupied by plaintiff and situated in the City of St. Louis. Insurance in companies other than the defendant is permitted in the policy. Alleging the total loss of all the property insured, in the amount of at least $31,981.32, plaintiff asked judgement against defendant in the sum of $3000 with six per cent interest, and for reasonable attorney’s fees and ten per cent damages for vexatious refusal to pay, as provided by statute.
“The answer, admitting the execution and delivery of the policy, sets up a provision in it that the company ‘shall not be liable beyond the actual cash value of the property at the time any loss or damage occurs, and the loss or damage shall be ascertained or estimated according to such actual cash value, with proper [409]*409deduction for depreciation, however caused, and shall in no event exceed what it would then cost the insured to repair or replace the same with material of like kind and quality; said ascertainment or estimate shall be made by the insured and this company, or, if they differ, then by appraiser, as hereinafter provided; and, the amQunt of loss or damage having been thus determined, the sum for which this company is liable pursuant to this policy shall be payable sixty days after due notice, ascertainment, estimate and satisfactory proof of the loss have been received by this company in accordance with the terms of this policy.’
££It is further provided that in the event of the disagreement as to the amount of loss, it shall £as above provided,’ be ascertained by two competent and disinterested appraisers, each party selecting one, and the two so chosen, first selecting a competent and disinterested umpire, the appraisers together shall then estimate and appraise the loss, stating separately sound value and damage, and failing to agree, shall submit their differences to the umpire, and the award in writing of any two shall determine the amount of such loss, each party paying the appraiser respectively selected by them and bearing equally the expense of the appraisal and umpire; it being further provided that £the loss shall not become payable until sixty days after the notice, ascertainment, estimate and satisfactory proof of the loss herein required have been received by this company, including an award by appraisers where appraisal has been required,’ and that the insuring company shall not be liable under the policy for a greater proportion of any loss on the described property, or for loss by and expense of removal from premises endangered by fire, than the amount insured shall bear to the whole insurance. The answer, setting up these clauses in the policy, avers that, after the occurrence of the fire, plaintiff and defendant entered into an agreement for submission to appraisers, the agreement dated March 24,1913; that under this agreement William [410]*410Pay and Chester T. Drake were appointed appraisers; that they selected Fred E. Briner as umpire; that Pay and Drake qualified as appraisers and Briner as umpire and proceeded to and did estimate and appraise the loss caused by the fire, stating- separately sound value and damage in conformity with the provisions of the policy, and on April 7, 1913, made their award in writing, placing the sound value of the property at $34,732.80, and the loss and damage at $9547.08. Claiming that this fixed the amount of the total loss, and as the total amount of insurance was $28,500, it is averred'that the amount due under this policy by this defendant was $1004.95, which sum, it is averred, defendant has always been ready and willing to pay, but that plaintiff, notwithstanding the agreement above set out, had failed and refused to receive that sum,, and which sum defendant now, by its answer, again tenders.
“The reply, taking issue on the amount of the loss, admits the stipulations in the policy set out, but denies that pursuant to the provisions of the policy plaintiff and defendant entered into an agreement for submission on appraisers as set forth in the answer, and alleges that under the provisions of the policy plaintiff and defendant undertook to have the loss and damage fixed as hereinafter stated and as provided in the policy. It is then averred that after the fire and loss a disagreement arose between plaintiff and defendant as to the amount of loss and that under the terms of the policy plaintiff selected Fay, a competent and disinterested person, as appraiser, to act for it, and defendant selected Drake, and these two selected Briner, as umpire, but it denies that either Drake or Briner were competent or disinterested or unbiased, alleging the contrary, specifically alleging that Briner was ignorant, inexperienced and incompetent. It further denies that either Fray or Drake or Briner, or any of them, ever correctly or fairly estimated or appraised the loss caused by the fire to the property; denies the award was made in writing oo April 7, 1913, or at any time, and denied that [411]*411by any award made, the total amount- of loss caused by tbe fire was only $9547.08; avers that after these appraisers and umpire had been selected and started in to investigate and appraise the loss, and that after they had been at work for some time, Fay was of the opinion, and so declared to Drake and Briner, that the sound value of the property was $35,981.65, and that'the amount of loss and damage which was directly caused to the insured property by the fire was at least $28,904.72, but that defendant’s appraiser Drake and umpire Briner wrongfully, fraudulently and illegally proceeded and together pretended to' come to an award in which they pretended to fix the loss at $9547.08, which award Fay refused to sign or agree to. It is further alleged that Drake and Briner failed to take into consideration a large amount of property lost, which was of the value of $1800 and of which the appraiser, Drake and the umpire Briner were notified by Fay, but which they excluded from any award.

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Cite This Page — Counsel Stack

Bluebook (online)
210 S.W. 37, 277 Mo. 399, 1919 Mo. LEXIS 32, Counsel Stack Legal Research, https://law.counselstack.com/opinion/non-royalty-shoe-co-v-phoenix-assurance-co-mo-1919.