Walz v. Peninsular Fire Insurance

191 N.W. 230, 221 Mich. 326, 1922 Mich. LEXIS 709
CourtMichigan Supreme Court
DecidedDecember 29, 1922
DocketDocket No. 102
StatusPublished
Cited by17 cases

This text of 191 N.W. 230 (Walz v. Peninsular Fire Insurance) is published on Counsel Stack Legal Research, covering Michigan Supreme Court primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Walz v. Peninsular Fire Insurance, 191 N.W. 230, 221 Mich. 326, 1922 Mich. LEXIS 709 (Mich. 1922).

Opinion

Clark, J.

This action is on a $25,000 fire insurance policy issued to Sarah Goffe by defendant. She owned a plant in Ann Arbor in which, under the name of Ann Arbor Stamping & Metal Company, she was principally engaged in the purchase and sale of sheet metal scrap and in the manufacture therefrom and the sale of small stampings, such as automobile license plates, frying pans, shovels, hoes, spades, etc. A fire occurred in the plant between 11 and 12 o’clock in the night of December 31, 1920. She had ordinary fire insurance amounting to $375,000, and use and occupation insurance to the amount of $30,000. The insurance was written by two agents of the different companies, of which Mrs. Goffe said:

“No, sir; I build up the business, and when the business is built up, Mr. Brooks and Mr. Butler came up and asked me why I didn’t take insurance.
[329]*329“A. I told Brooks and Butler1 that they should take a look around the shop and see what there is,- and they should give me insurance on it.
“Q. When did you tell, them that?
“A. When I take insurance, when they come to- the office.
“Q. Every time you took a new policy, you told them that?
“A. No, I just told them once, and they take care of me.”-

There was a fire in the same plant on August 22, 1920, because of which Mrs. Goffe was paid $125,000 by insurance companies. Most of the insurance in question was written after the first fire. This is the first, in point of trial, of, it seems, 58 suits against 46 insurance companies brought to recover the amount of the loss. The plaintiff Ann Arbor Savings Bank, a Michigan corporation, is named in a loss payable clause as payee as its mortgage interest may appear. The policy in the case at bar is dated October 8, 1920. The loss payable clause was attached or indorsed October 27, 1920. On both of these dates the mortgage interest of the bank was $50,150 excluding interest. On December 4, 1920, the bank took another mortgage of $25,000 given by Mrs. Goffe and also signed by her husband, Jacob Goffe. The total mortgage debt at the time of the fire was $75,150 and interest. Mrs. Goffe was also indebted to some 70 creditors whose claims were said to be unsecured, in an aggregate of approximately $265,000, the bank being one of these in the sum of about $91,000.

On January 6, 1921, Mrs. Goffe assigned her rights under the insurance policies to William L. Walz as trustee for herself and her creditors and gave the trustee power to collect insurance and to adjust and pay claims. Sworn proofs of loss were rendered to the companies through public adjusters which claimed of the defendant here the sum of $23,531.30 and stated [330]*330the sound value of the insured property and the loss and damage thereto as follows:

Loss or Cask Value Damage
Building ................ $200,000.00 $68,211.92
Equipment ............... 164,871.75 98,460.50'
Stock ...........'......... 393,082.53 393,082.53
Total ................ $757,954.28 $559,754.95

Prior to the proofs of loss Mrs. Goffe caused to be submitted to the adjusters representing the insurance companies a schedule of sound value and loss and damage. The extent to which such schedule is particularized is indicated by the fact that 17 pages of the record are required to print it. The plaintiffs are the bank and the trustee. The declaration is in usual form, counts on the policy, avers a total loss or damage of “to-wit $350,000” and that there is due the plaintiffs from defendant $25,000 and interest and claims damages in the sum of $25,000. Defendant demanded a bill of particulars. Plaintiffs filed and served a bill setting forth the various aggregates of value and damage and stating:

“The details from which the foregoing figures are taken, comprising a great many typewritten sheets, have already been served upon the defendant company before suit was brought.”

There was motion for a more specific bill of particulars. The motion was supported by affidavit and likewise opposed. In disposing of the motion the trial court said:

“And it having appeared from the records in said cause and the argument of counsel upon the hearing of the motion that the records of the equipment and material were mostly, if not' entirely, destroyed by fire and therefore not available; and it further appearing from argument of counsel for the plaintiffs and the defendant that details upon which the figures submitted in the bill of particulars filed, were furnished to the [331]*331defendant, and that the same comprise many typewritten sheets and that the same was binding on the plaintiffs as a bill of particulars and that the plaintiffs were willing so to be bound; and it further appearing that every courtesy had been extended to the defendant to pass upon the premises which were destroyed by fire, examine and list the condition of the damage by the destruction, and that a very thorough examination had been made.
“The court is, therefore, of the opinion that if the plaintiffs in this cause file, as a part of their bill of particulars, the typewritten sheets présented to the court on the day of the hearing by the respective counsel for the parties, that the same will constitute a complete bill of particulars if the plaintiffs cause to be added to the said typewritten sheets the name or names of the maker or makers of the said equipment, dies, and tools, as is available from memory or otherwise.”

The suggestion or order of the court was complied with. The motion for a more specific bill of particulars was renewed. This motion and its supporting affidavit complain of a lack of particulars of raw steel stock. The record shows nearly 8 pages of fine print of such particulars. In deciding this motion the trial court again said:

“This court is advised by the admissions of counsel for the defendant in court upon the argument of the motion that the bills of particulars filed were satisfactory. except as to the steel, and this, it is claimed by the defendant, should be more specifically described. It will appear from the statement attached to the supplementary motion that the defendant has a very complete itemized statement of the steel claimed to be destroyed. This statement furnished to the defendant and made a part of the motion is complete in every detail. It gives the defendant complete knowledge of the dimensions of the steel, number of piles of the steel and the volume and kind of material. The parties may differ as to the volume and price per ton, but that is a question which should be determined by the jury at the time of the trial based upon the testimony. The defendant’s counsel did not claim in his argument that [332]

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Bluebook (online)
191 N.W. 230, 221 Mich. 326, 1922 Mich. LEXIS 709, Counsel Stack Legal Research, https://law.counselstack.com/opinion/walz-v-peninsular-fire-insurance-mich-1922.