VanWinkle v. Insurance Co.

47 S.E. 82, 55 W. Va. 286, 1904 W. Va. LEXIS 37
CourtWest Virginia Supreme Court
DecidedMarch 15, 1904
StatusPublished
Cited by5 cases

This text of 47 S.E. 82 (VanWinkle v. Insurance Co.) is published on Counsel Stack Legal Research, covering West Virginia Supreme Court primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
VanWinkle v. Insurance Co., 47 S.E. 82, 55 W. Va. 286, 1904 W. Va. LEXIS 37 (W. Va. 1904).

Opinion

McWhorter, Judge:

W. W. Van Winkle was the owner of the one undivided half interest in a building in the city of Parkersburg, known as the “Academy of Mpsie.” upon which interest he had two policies of fire insurance of $3,000 each, one in The Continental Insur-[288]*288anee Compa-nj^ the other The Westchester Fire Insurance Company. In December, 1895, while the said policies of insurance were in force the said building was partially destroyed by fire. Bach of the policies contained a clause by which it was agreed that in the event of disagreement in the amount of loss the same should be ascertained by two. competent and disinterested appraisers, the insured and the company each selecting one and the two so chosen to select a competent and disinterested umpire, the appraisers together then to estimate and appraise the loss, stating separately sound value, and damage, and failing to agree were to submit their differences to the umpire. The award in writing of any two to determine the amount of such loss. The insured and the said companies failing to agree upon the amount of loss entered into the following agreement in writing for submission of their differences to arbitration:

“This agreement, made and entered into by and between W. W. Van Winkle of the first part, and the Insurance Company or Companies whose name or names are signed hereto, of the second part, each for itself and not jointly.
“Witnesseth, That Stephen Davidson and George Hodgdon shall appraise and asceitain the sound value of and the loss upon the property damaged and destroyed by the fire of December 9, 1895, as specified below. Provided, That the said appraisers shall first select a competent and disinterested umpire who shall act with them in matters of difference only. The award of any two of them, made in writing, in accordance with this agreement, shall be binding upon both parties to this agreement as to the amount of such loss.
“It is expressly understood that this agreement and appraisement is for the purpose of ascertaining and fixing the amount of sound value and loss and damage only, to the property hereinafter described and shall not determine, waive or invalidate any other right or rights of either party to this agreement.
“The property on which the sound value and the loss or damage is to be determined is as follows, to-wit:
“W. W. Van Winkle, on his undivided one-half interest in the two and and three story brick, slate and metal roof building, known as Academy of Music occupied on first floor for mercantile purposes; one room on third floor occupied by tenants as private club or lodge room; one room on second floor as club room [289]*289by tenants, residue of building occupied by owners as public hail, dressing rooms, ticket office and manager’s office for same situate on the northwest side of Juliana Street, between Fifth and Sixth Streets in Parkersburg, West Ya.
“It is further expressly understood and agreed that in determining the sound value and the loss or damage upon the property, hereinbefore mentioned, the said appraisers are to make an estimate of the actual cash cost of replacing or repairing the same, or the actual cash value thereof, at and immediately preceding the time of the fire; and in case of depreciation of the property from use, age, condition, location or otherwise, a proper deduction shall be made therefor.
“In Witness Whereof, we have hereunto set our hands, at Parkersburg, W. Ya., this 3rd day of January, 1896. W. W. Yan Winkle. S. T. Carter for Westchester Fire Insurance Co. of New York. E. E. Cole for Continental Insurance Co., of New York.”

The said appraisers mentioned in the agreement were duly sworn on the 6th day of January, 1896, to “act with strict impartiality in making an appraisement and estimate of the sound value and the loss and damages upon the property hereinbefore mentioned in accordance with the foregoing appointment, and that we will make a true, just and conscientious award of the same according to the best of our knowledge, skill and judgment. We are not related to the assured, either as creditor or otherwise and are not interested in said property or the insurance thereon. [Signed] Stephen Davidson, George Hodgden, Appraisers.” The said appraisers then selected as umpire M. F. Geisey of Wheeling, to settle matters of difference between them in said appraisement. On the 14th of January, 1896, at the request of appraiser Davidson, and with the consent of George Hodgden, C. T. Hickman of Clarksburg, W. Ya., was substituted for said Geisey as umpire and 'on the 15th day of January said Hickman accepted the appointment of umpire and took the oath, to act with strict impartiality in all matters of difference only that should be submitted to him in connection with his appointment, and that he would give a true, just and conseiencious award according to the best of his knowledge, skill and judgment, and that he was not related to any of the parties to the agreement, nor interested as a creditor or other[290]*290wise in the property or insurance. After haying discharged their duties under said agreement and appointment the said appraisers and umpire made the following award:

“To the parties interested: We have carefully examined the premises and remains of the property hereinbefore specified, in •accordance with the foregoing appointment, and have determin-ed the sound value to be Twelve Thousand Dollars, and the loss ••and damage as a whole to be Six Thousand twenty-nine and 84-100 Dollars. Witness our hands this 15th dajr of January, ' 1896. Stephen Davidson, Geo. Hodgden, Appraisers. C. L. J'Hickman, Umpire.”

At the June rules, 1896, W. W. Van Winkle filed in the 'clerk’s office of the circuit court of Wood County, his bill in chancery against the said insurance companies, George Hodg-den, Stephen Davidson and C. L. Hickman, charging that the .said award was void and should bo set aside by reason of mis■-conduct of the appraisers and by reason of mistakes set forth in •the bill, because of miscalculations therein and omissions of ■¡property that should have been included, by calculations of •short 'quantities when Irue quantities should have been in-•eerted, for unfairness and injustice, and praying that if the • court could not revise the award that it should be set aside and rendered null and void, and that the court would decree plain- ■ tiff entitled to the full amount of the policies and that the court decree the $2,000 against each of said companies with interest from the second day of March, 1896, and that the said several parties mentioned be made parties to the bill and be required to answer the same under oath, and for general relief.

The said defendant companies, on the 20th of July, filed their .joint demurrer to the plaintiff’s bill, in which the plaintiff .joined and afterwards on the 8th of August, 1896, the demurrer was overruled by the court and leave granted defendants to •file their answer, and on the 1th day of September, the said defendant companies filed their joint and separate answer in which they denied the material allegations of the bill. Depositions •were taken and filed in the cause and on the 5th day of Febru•ary, 1903, the cause was heard on the process duly executed and the orders and proceedings had in the cause, the said answer •and general replication and the bill taken for confessed, and set for hearing at the rules as to the other defendants except [291]

Free access — add to your briefcase to read the full text and ask questions with AI

Related

In Re New England Power Corporation
156 A. 394 (Supreme Court of Vermont, 1931)
Carlston v. St. Paul Fire & Marine Insurance
94 P. 756 (Montana Supreme Court, 1908)
Cohn v. Wemme
81 P. 981 (Oregon Supreme Court, 1905)
Archer v. Ward
9 Gratt. 622 (Supreme Court of Virginia, 1853)

Cite This Page — Counsel Stack

Bluebook (online)
47 S.E. 82, 55 W. Va. 286, 1904 W. Va. LEXIS 37, Counsel Stack Legal Research, https://law.counselstack.com/opinion/vanwinkle-v-insurance-co-wva-1904.