Springfield Monarch Insurance v. Morse

391 P.2d 117, 192 Kan. 691, 1964 Kan. LEXIS 302
CourtSupreme Court of Kansas
DecidedApril 11, 1964
Docket43,514
StatusPublished
Cited by12 cases

This text of 391 P.2d 117 (Springfield Monarch Insurance v. Morse) is published on Counsel Stack Legal Research, covering Supreme Court of Kansas primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Springfield Monarch Insurance v. Morse, 391 P.2d 117, 192 Kan. 691, 1964 Kan. LEXIS 302 (kan 1964).

Opinion

*692 The opinion of the court was delivered by

Parker, C. J.:

This appeal springs from a petition for the allowance of a demand filed in the probate court of Rush County against the estate of Howard Morse, deceased. The petition was filed by the Springfield Monarch Insurance Company, a corporation, claiming to be subrogated to the rights of the owner of a dwelling, located in the City of La Crosse, on which it had paid fire damage to the owner. The intestate decedent was occupying the dwelling as a tenant at the time of the damage by fire. The claim was properly transferred to the district court for trial where that tribunal, after a hearing, sustained a demurrer to the claimant’s evidence, rendered judgment against it for costs, and ultimately overruled its motion for a new trial. Thereupon claimant perfected the instant appeal.

The amended petition, as filed in the district court, is short and fully reflects the facts on which claimant relies for recovery. Omitting formal averments of no consequence pertinent portions of that pleading read:

“That on or about the 8th day of November, 1961, the petitioner had in force a policy of insurance for fire . . . issued to Mrs. Elma Jecha of Timken, Kansas, which policy insured a dwelling . . ., in the . . ., This dwelling at the time above-mentioned at about 8:00 o’clock a. m., was occupied by Howard Morse, deceased, as a tenant and was at the time in his exclusive possession, care, custody and control; and more particularly, he was in the exclusive possession and control of the interior and the fixtures therein where the fire started. That the fire and resulting damage occurred solely and proximately through the negligence and carelessness of the decendent, Howard Morse, who lost his life as a result of the said fire.
“That as a result of said fire, the petitioner was required to pay its policy holder . . . ($3,000.00) . . .”
“That by reason of the said petitioner’s obligation to pay to Elma Jecha . . . ($3,000.00) under the provisions of its policy of insurance in force at the time the damage was sustained, it became subrogated to the rights, claims and interest of its insured, . . .
“That by reason of the contract between the petitioner’s insured and the decedent, placing in the decedent the exclusive control, the decedent undertook to use due care and to take due care of said property while in his possession and to redeliver file same to the petitioner’s insured upon the termination of the contract in the condition that said property was in at the time of placing it in his care.
“That said fire was solely and proximately caused by the carelessness and negligence of the said Howard Morse, deceased, and by reason thereof, caused damage to said property belonging to the petitioner’s insured in the sum and amount of. . . ($3,000.00) . . . That by reason of said fire, this peti *693 tioner under its policy of insurance issued to Elma Jecha was required to and did expend the sum of ... ($3,000.00).”

The respondent administrator s answer to the foregoing amended petition was in the form of a general denial.

The evidence introduced by the claimant during the trial in district court, after joinder of issues, came from four witnesses and will now be noted without regard to the order in which they testified.

One witness, a local contractor, stated in substance that he had made an estimate of the fire loss and that it exceeded the insurance coverage. Another witness, an insurance adjuster, testified to the effect he had prepared the proof of loss and made payment of the loss to the insured under the terms of the policy after obtaining a subrogation receipt from her for the purpose of authorizing the company to proceed against the responsible party.

The insured testified in substance that she was the owner of the property, that it was rented to Howard Morse for $40.00 per month at the time it was destroyed by fire, that the company paid the full amount of the insurance policy and that a subrogation receipt was issued. Certain questions propounded to her and answers made thereto during the course of her examination read:

“Direct Examination.
“Q. When you rented this property to Mr. Morse you expected to get the property back in good condition except for normal wear and tear, is that correct?
“A. That thought didn’t enter my mind.
“Q. Normally, when you rent property out, that is what you expect, is that not correct?
“A. I suppose, yes but I don’t know. It never entered my mind. I wasn’t thinking on terms of that when I rented it.
“Q. Yes, Once more — I may have asked this, but I’ll ask it again — when you rented this property out to Mr. Morse you expected to get the property back in the same condition except for normal wear and tear, didn’t you?
“A. Well, if I had thought about it I suppose, yes, but as I say, the thought never entered my mind when he rented the property, nor, to anyone else we rented to. We expected he’d take care of it, sure, but, that’s why we have insurance, too.”

The only evidence as to the fire or its cause came from the lips of the fire chief, A. W. Carbaugh, who was in charge of a volunteer fire brigade. His testimony will be summarized in part and quoted in part.

On the evening of November 8,1961, he was called to the dwelling in question. The fire was concentrated in the southwest corner of *694 the living room. He found the deceased lying dead on his back in the northeast corner of the bedroom. His hand, face and chest were burned. A television, davenport and the corner of the living room were badly burned.

The testimony of this witness continued in the form of questions and answers which read:

“Q. Mr. Carbaugh, taking into consideration your experience and training, do you have an opinion as to where the fire started?
“A. I would say it started on the lounge, from the looks of the bums and everything.
“Q. And again taking into consideration your knowledge and experience in fire as fire chief, do you have an opinion as to how this fire started?
“A. It would have to be a guess, but from the looks of things it would look as though possibly he had a cigarette in his hand and set the lounge on fire.
“Q. Now, Mr. Carbaugh, in your occupation or or position as chief, in your training and experience, do you have an opinion as to whether fires of this type normally occur in sofas without some human agency being involved?
“A. We have had several something like this and most generally it’s a cigarette and that’s all.
“Q. Your answer would be, then, that there usually is a human agency involved?
“A.

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Bluebook (online)
391 P.2d 117, 192 Kan. 691, 1964 Kan. LEXIS 302, Counsel Stack Legal Research, https://law.counselstack.com/opinion/springfield-monarch-insurance-v-morse-kan-1964.