145 Ga. App. 216 | Ga. Ct. App. | 1978
A retail women’s apparel shop located in a neighborhood shopping center in Griffin, Georgia sustained smoke damage as a result of the improperly vented bakery oven of a nearby bakery located in the same shopping center. The owner of the dress shop filed a claim for smoke damage which was denied by the insurer.
Renee Washington, d/b/a Renee’s, sued the defendant, Georgia Farm Bureau Mutual Insurance Company, for the amount of her loss, including damages and attorney fees pursuant to Code Ann. § 56-1206 (Ga. L. 1960, pp. 289, 502; 1962, p. 712). Defendant answered, denying the complaint, although admitting jurisdiction and the existence of the policy. After discovery both parties moved for summary judgment, and the trial court in its final order stated that the case was based on
Defendant’s motion for summary judgment was denied. Plaintiffs motion for summary judgment was granted, that is, the term "industrial operation” as used in the insurance policy in question was held not to include a small neighborhood type bakery shop, and the term smoke damage under the perils insured against shall include the smoke damage from the improperly vented bakery oven when smoke found its way into the plaintiff s store and permeated her inventory, and the court construed coverage by thepolicy.Defendant appeals. Held:
Under the undisputed issue of facts before the court there was smoke damage to plaintiffs property which was covered by the policy, albeit sudden and accidental damage from smoke from industrial operations is not covered. The trial court did not err in construing the term industrial operations not to include a small neighborhood bakery under the reasonable meaning of the term "industry” as found in Webster’s New International Dictionary (2d Ed.). See Southern Guaranty Ins. Co. v. Duncan, 131 Ga. App. 761, 764 (2) (206 SE2d 672);
Judgment affirmed.