Providence Washington Insurance v. Wolf

80 N.E. 26, 168 Ind. 690, 1907 Ind. LEXIS 154
Indiana Supreme Court·Decided February 8, 1907·No. No. 20,987·Published·Cited by 33 cases

Opinion

Mohks, J.

This action was brought by appellee against appellant on a fire insurance policy issued by appellant to appellee, insuring him against loss or damage by fire, upon a certain stock of goods, wares, merchandise, furniture, and fixtures therein described, in the sum of $1,000. There was $8,500 additional insurance upon the property, making $9,500 in all. A plea in abatement was filed by appellant. Appellee filed a reply to said plea in two paragraphs, the first of which was a general denial. Appellant’s de[693] murrer for want of facts, to said second paragraph of reply, was overruled. A trial of the issues joined on the plea in abatement resulted in a verdict and, over a motion for a new trial, a judgment in favor of appellee. Appellee’s demurrer, for want of facts, to the complaint was overruled. Appellant answered in five paragraphs,, the first being a general denial. On motion of appellee, the second and third paragraphs of answer were stricken out. Appellee filed a general denial to the fourth and fifth paragraphs of answer. A trial by jury resulted in a verdict, and, over a motion for a new trial, a judgment in favor of appellee for the full amount of the policy.

The assignments, which are not waived, are “that the court erred (1) in overruling the demurrer to the second paragraph of reply to the plea in abatement; (2) in overruling appellant’s motion for a new trial upon the plea in abatement; (3) in overruling the demurrer to the complaint; (d) in striking out appellant’s second paragraph of answer; (5) in striking out the fourth paragraph of answer; (6) in overruling the motion for a new trial upon the merits of the case.” We will first consider the demurrer to the complaint. The policy upon which suit was brought contained, among others, the following provisions:

“This 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 deduction fór ' depreciation however caused.
Said ascertainment or estimate shall be made by the insured and this company, or, if they differ, then by appraisers as hereinafter provided.
If fire occur the insured shall give immediate notice of any loss thereby, in writing, to this company, 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 the same, stating the quantity and cost of [694] each article and the amount claimed thereon, and within sixty days after the fire, unless such time is extended in writing by this company, shall render a statement to this 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.
In the event of disagreement as to the amount of loss, the same shall, as above provided, be ascertained by two competent and disinterested appraisers, the insured and this company each selecting one, and the two so chosen shall first select a competent and disinterested umpire; the appraisers shall together 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; the parties thereto shall pay the appraiser respectively selected by them, and shall bear equally the expense of the appraisal and umpire.
This company shall not be held to have waived any provision or condition of this policy or any forfeiture thereof by any requirements, act or proceeding on its part relating to the appraisal or to any examination herein provided for; and 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 when appraisal has been required.
No suit or action on this policy for the recovery of any claim shall be sustainable in any court of law or equity until after full compliance by the insured with all the foregoing requirements, nor unless commenced within twelve months next after the fire.”

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Providence Washington Insurance v. Wolf, 80 N.E. 26, 168 Ind. 690, 1907 Ind. LEXIS 154 (Ind. 1907).

80 N.E. 26 (Providence Washington Insurance v. Wolf) — published by Counsel Stack Legal Research, free access to 12M+ legal documents.

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