Scottish Union & National Ins. v. Benowitz

55 F. Supp. 568, 1943 U.S. Dist. LEXIS 1697
CourtDistrict Court, D. Connecticut
DecidedAugust 26, 1943
DocketCivil Action No. 699
StatusPublished
Cited by1 cases

This text of 55 F. Supp. 568 (Scottish Union & National Ins. v. Benowitz) is published on Counsel Stack Legal Research, covering District Court, D. Connecticut primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Scottish Union & National Ins. v. Benowitz, 55 F. Supp. 568, 1943 U.S. Dist. LEXIS 1697 (D. Conn. 1943).

Opinion

HINCKS, District Judge.

Finding of Facts.

1. The plaintiff, the Scottish Union and National Insurance Company, is an English insurance company organized and existing under an act of Parliament of Great Britain and Ireland and licensed to do business in Connecticut.

2. Said Scottish Union and National Insurance Company issued an Inland Marine Garment Contractors Floater Policy to the [569]*569Ballad Dress Company, Incorporated, of New York, covering its merchandise while in the hands or on the premises of others, against, among other risks, fire and smoke damage. Some few days prior to January 21, 1941, said Ballad Dress Company sent its goods and trimmings of the value of $5,774.86 to the Derby Sportwcar Company of Shelton, Connecticut, a manufacturer of women’s wear, to be made up into dresses and shipped back to New York. In the evening of January 21, 1941, a fire occurred in the basement of the Clark Building in Ansonia, a building of which said Derby Sportwear Company as tenant occupies an upper floor, and as a result of said fire said dresses were damaged to the extent of $3,935.86.

3. The plaintiff paid said loss to the Ballad Company which thereupon, by express written' assignment, assigned all its rights, powers and privileges to the plaintiff to pursue its right of subrogation and recoupment for the loss incurred, against anyone liable for the damage caused.

4. The Clark Building is owned by the defendant H. G. Benowitz, Inc., which is a family corporation in which the defendant, Henry Benowitz, is the principal stockholder. Henry Benowitz is an officer of the corporation, and on January 21, 1941, and long prior thereto acted as manager of the property and was the only officer or employee active in the details of management and maintenance.

5. For several years prior to January 21, 1941, the entire building was heated by a central heating system serving the several tenants in the building, which comprised a steam boiler fueled by oil located in the basement of the building, operated and solely controlled by the defendant H. G. Benowitz, Inc., through its agent, the defendant Henry Benowitz.

6. On December 27, 1939, pursuant to a contract between H. G. Benowitz, Inc., and the defendant, Kasden Fuel Company, a Williams oil burner was installed in substitution for the burner which theretofore had comprised an integral part of the system.

7. From December 27, 1939, and thereafter to the present time said Williams burner has been an integral part of the heating system of said building. The system included a 550-gallon tank located on the basement floor under the sidewalk in front of the building. This tank was filled by a feed-pipe extending upward from the tank to a manhole on the sidewalk. To permit measurement of the contents of the tank a T-fitting was screwed into the top of the tank. This fitting was designed to accommodate a gauge, screwed into the top thereof, operable by a float in the tank; the float within the tank being connected with the gauge above the tank through an aperture J4" in diameter in the top of the fitting. But on January 21, 1941, and for long prior thereto the tank had been without the gauge for which it was designed and the aperture just referred to had been left wholly uncovered. Without the gauge to measure the contents of the tank it was necessary to unscrew the fitting and insert a measuring stick. The floor of the basement, which was of cement, sloped downward from the tank to the burner and boiler located about twelve feet distant. The boiler rested on cast iron plates on the floor, 13" high and enclosed a combustion chamber connected by pipe with the chimney. In the front of the boiler casing were two hinged clean-out doors and beneath them a hinged door to the combustion chamber. The electrical equipment which controlled the motor included a fuse-connection or fire-valve located in front of the boiler about a foot above the floor such that the fuse would melt if exposed to a temperature of 168° F. and thereby stop the motor.

8. On January 21, 1941, and long prior thereto, the defendant, The Kasden Company, was under contract with H. G. Benowitz, Inc., to supply the necessary oil for the building. The arrangement between the parties was such that The Kasden Company assumed the responsibility of keeping the building sufficiently supplied with No. 4 fuel oil. On January 21, 1941, in the late afternoon Kasden’s driver measured the tank as was his custom by unscrewing the fitting in the top and inserting the measuring stick left in the premises for the purpose. He then replaced the fitting. The stick showed the depth of the fuel oil in the tank in inches. This measurement the driver, by. reference to a chart which he carried for the purpose, translated into gallons. This process indicated a content on that occasion of 180 gallons. Early in the same evening the driver returned and through the metered device on his truck put 300 gallons into the tank through its feed-pipe, the orifice of which was just under the manhole in the sidewalk.

[570]*5709. On March 11, 1940, a driver of Kasden’s when filling the tank in said building caused a substantial spillage of oil in the vicinity of the tank.

10. On January 21, 1941, about one hour after the tank had been filled as aforesaid, a fire was discovered in said basement. The fire was in the basement ceiling (floor joists of the ground floor) above the boiler.

11. The evidence does not warrant a finding that on January 21, 1941, Kasden’s driver caused any substantial spillage of fuel oil in the premises, or that there was free oil on the floor which was a contributing cause of the fire.

12. The evidence does not warrant a finding that prior to the fire the Benowitz defendants had notice or knowledge of a defect in any part of the heating equipment which was the cause of the fire.

13. The evidence does not warrant a finding that the heating equipment as maintained prior to the fire was in such condition that it might reasonably have been expected to cause a fire.

Conclusions of Law.

1. In the absence of notice or knowledge that the heating equipment as maintained prior to the fire was not safe for operation, the defendants were not guilty of negligence.

'2. The defendants were not guilty of negligence which was a proximate cause of the fire.

3. The defendants were not guilty of maintaining a nuisance.

The Evidence Discussed as to the Defendant The Kasden Company.

Kasden’s driver who filled the tank on the evening of the fire is emphatic in his assertion that he caused no spillage of oil on that occasion. The arrangement of the equipment was such that he would almost certainly have known of it if any serious spillage had then occurred. I find no substantial inconsistencies in his testimony. It is undisputed that he last filled the tank early on January 18th. Assuming that the tank then was left completely filled, it is entirely consistent with the underlying data that after three and a half days of winter weather the contents might have been reduced to 180 gallons. And there is contemporary documentary evidence, Exhibits A and D, supporting his testimony that only 300 gallons was delivered on January 21st. Altogether I see no reason whatever for rejecting his testimony merely because it might have been colored by reason of his employment.

On the other hand, the plaintiff’s evidence of spillage is far from convincing.

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Related

Scottish Union & National Insurance v. Benowitz
143 F.2d 130 (Second Circuit, 1944)

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Bluebook (online)
55 F. Supp. 568, 1943 U.S. Dist. LEXIS 1697, Counsel Stack Legal Research, https://law.counselstack.com/opinion/scottish-union-national-ins-v-benowitz-ctd-1943.