Craig v. Springfield Fire & Marine Insurance

34 Mo. App. 481 | Mo. Ct. App. | 1889

Ellison, J.

This action is on a policy of insurance providing that if the house became “vacant or unoccupied without consent endorsed hereon, then in such case this policy shall be null and void.”

The evidence has been fully presented to us and has been carefully considered. It establishes the following facts :

The fire occurred on the night of March 31. Plaintiff, a farmer, had traded for a stock of goods at Moulton, Iowa, where he had been in attendance all winter when he moved the stock, or was in the act of moving it to Cainesville, Missouri, a town about eight miles from the house which was burned. The farm and house had been rented to a tenant who was to move in about the last of March.

Plaintiff was at the house some four weeks before the fire, when he left, leaving there his wife and child who remained a few days and then left, going to his father’s, about three quarters of a mile away, where they remained. Plaintiff’s stock had been taken to his father’s and sold, nothing animate remaining on the premises, save some chickens. Plaintiff himself was not at the house after his wife left it till the day of the fire, when he went the re for a short time for the purpose of changing his clothing. His wife and his mother, with whom she was staying, went to the house at intervals during this period and at one time began to do some washing, but desisted on account of it being too cold. The cooking stove, though remaining in the house, was sold to the tenant who was to move in.

Most of the family wearing apparel was in the house, a portion of the household articles was packed, but much the greater portion was not. No one slept in the house from the time plaintiff’s wife left it. An opinion by Henky, J., in the case of Cook v. Ins. Co., 70 Mo. 610, in which the whole subject is considered and the authorities reviewed, determines this case against plaintiff, and so fully and completely covers the essential features in this case, that we are relieved of a discussion of the matters presented here or a restatement of the doctrine announced in that opinion.

Suffice it to say that the evidence here does not present a case of a fire happening during the mere temporary absence of the insured or his family. Occupation of a dwelling house is living in it. Supervision over it is not sufficient. Cook case, supra.

Aside from this, to my mind, the evidence clearly establishes that neither plaintiff nor his family intended to return to the house as a place of abode, but that they did intend to hold it, in part at least, as a place for the safe keeping of their household effects till they could arrange for a different residence.

The judgment will be reversed.

All concur