This is' a suit in assumpsit, with declaration upon the common counts, brought by plaintiffs to recover from defendаnts compensation for repairing a house damaged by fire. In the circuit the case was heard by the court, and judgment entered for defendants.-
*269 The legal question, presented by a most unsatisfactоry record, may be stated as follows: In case of damage, by fire, to a residence, being purсhased under land contract and occupied as a homestead by the purchasers, may [if] рarties called by an adjuster, representing' an insurance company thought to be liable for thе loss, and not shown to be otherwise, and who gave the adjuster an estimate of their charges for making the repairs, and were told by the adjuster “to go out there,” and were told by the purchasers that “it was all right, to go ahead and replace it to the amount paid by the. insurance company,” and it was the intention of the purchasers that the insurance company would pay for the repаirs and the intention of the parties making the repairs to look to the insurance company for their pay, and, after the repairs were nearly completed, the adjuster stated to the repair men that the insurance did not cover the loss, are the purchasers under legal obligatiоn to pay for the repairs so made?
Plaintiffs claim the right to recover under an implied contrаct.
The defendants are husband and wife, and in no event can-the wife be held personally liable.
Farmer
v.
Best,
Plaintiffs cannot recover on the theory of a contract implied in fact, for the work was not done and the materials not furnished under circumstances authorizing plaintiffs to entertain an expeсtation of pay from defendants. The plaintiffs expected the insurance company’to mаke payment out of the insurance, and only after denial of liability by the adjuster did they seek to fastеn liability upon defendants under an implied contract.
Is defendant Joseph Magryta liable upon a quasi or constructive contract?
*270 There are two kinds of implied contracts: one implied in fact, and the other implied in law. The first does not exist unless the minds of the parties meet, by rеason of words or conduct. The second is quasi or constructive, and does not require a meeting of minds, but is imposed by fiction of law, to enable justice to be accomplished, even in case no contract was intended.
In order to afford the remedy demanded by exact justice and adjust such remedy to a cause of action, the law sometimes indulges in the fiction of a quasi or constructive сontract, with an implied obligation to pay for benefits received. The courts, however, emрloy the fiction with caution, and will never permit it in cases where contracts, implied in fact, must be established, or substitute one promisor or debtor for another.
Liability of the insurance company for the loss was not made an issue in this case, and, for aught appearing here, it may be liable. The record does not disclose the name, even, of the insurance company, or the amount of the insurance, or to whom the policy, if any, was issued. The statement by the adjuster to plaintiffs, after the repairs were practically completed, that defendants herein were not protеcted by insurance, did not establish such fact or authorize plaintiffs to look to defendants instead of the insurance company for their pay. It seems to have been the practice, in cаses of damage by fire, for the adjuster to call upon plaintiffs to make an estimate of the сost of repairs and to settle with an insured, either by paying such estimated amount or having the repairs made by plaintiffs and arrange to pay them out of the insurance.
Under the Michigan standard form of fire insurance policy, an insurance company has the option to *271 repair the proрerty damaged. Comp. Laws Supp., 1922, §9100 (243). The adjuster exercised the option, and, to satisfy the loss, assumed for the insurance company the obligation to repair the damage, and sent plaintiffs to do the work. The defendants could not, while the insurance company was exercising the option right tо repair, do otherwise than submit. Out of such submission no implied contract to pay plaintiffs could arise.
There is in the testimony this significant admission by the plaintiff Cecil M. Cascaden:
“Q. Were you present at the timе Mr. Williams spoke to Mr. Magryta and says: ‘Don’t you worry. The insurance company will take care of yоu. We have our contractor, Mr. Cascaden. He will do the work.’ Do you remember that?
“A. He told them — yеs, Mr. Williams told them that the insurance company would pay it. ’ ’
Under the circumstances here disclosed, there was no implied contract in fact, and the court may not find one, quasi or constructive.
The judgment is affirmed, but without cоsts, no brief having been furnished in behalf of defendants.