Watts v. Phenix Insurance

68 S.E. 479, 134 Ga. 717, 1910 Ga. LEXIS 338

Opinion

Fish, C. J.

A lire policy on a storehouse recited that it was made subject to the following stipulations and conditions, among others: that the, entire policy should he void “if the interest of the insured he other than unconditional and sole ownership; or if the subject of insurance be a building on ground not owned by the insured in fee simple; or if any change, other than by death of the insured, take place in the interest, title, or possession of the subject of insurance (except change of occupants without increase of hazard), whether by legal process or judgment, or voluntary act of the insured, or otherwise.” When the. policy was issued the insured was the sole owner, in fee, of both the building and the land upon which it was situated. Subsequently, and without the consent of the insurance company, he sold and conveyed, in fee, to another an undivided one-half interest in the land upon which the building was situated, the deed reciting that the grantor reserved “full title to the storehouse now on said lot with the right to remove the same without let or hindrance from” the grantee. Such was the status of affairs when, during the life of the policy, the building was destroyed by fire. Held, that such sale and conveyance constituted such a change in tlie interest of the insured in the building as voided the policy.

June 30, 1910.

Action upon insurance policy. Before Judge Reagan. Butts superior court.

March 29, 1909. John R. L. Smith, for plaintiff. Slaton & Phillips, for defendant.

Judgment affirmed.

All the Justices concur.