181 Ga. 583 | Ga. | 1936
Dissenting Opinion
dissenting. John Hurley filed in Wilkes superior court an action against Girard Eire and Marine Insurance Company on a policy of fire insurance. The record discloses that John Hurley purchased the land on -which the dwelling insured was erected, from G. T. Anthony about 1908, went into possession, and constructed the dwelling in 1928. Willie Lou Hurley, his wife, expended about $500 of her money in the construction of the dwelling, but there was no conveyance by the husband to the wife, nor was there any agreement between them that any interest in the property should be conveyed to the wife by reason of her furnishing part of the money for the construction of the dwelling. The wife borrowed from Washington Loan & Banking Company $300, executed to the bank a deed to the property to secure the debt, and procured from the National Ben Franklin Eire Insurance Company a policy of fire insurance covering the dwelling, with loss payable to the bank. By endorsement this policy was also made payable to John Hurley as one of the insured. The wife also executed a deed to secure debt to E. A. Barnett, covering the same property. John Hurley knew of these conveyances by the wife to the bank and the issuance of the policy of fire insurance, but did not join in the conveyances. John Hurley procured from Girard Eire & Marine Insurance Company a policy of fire insurance in the sum of $750, payable to himself as sole owner of the property. The policy contained the provision: “This entire policy shall be void . . if the interest of the insured in the property be not truly stated herein. This entire policy, unless otherwise provided by agreement endorsed liereon or added hereto, shall be void . . if the interest of the insured be 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 the death of the insured, take place in the interest, title, or possession
The Court of Appeals held: “(a) Taking both the interest of the wife and the interest of the husband together, their title to the property insured was sole and unconditional, and it necessarily follows that the interest of either alone in the subject of insurance was not sole and unconditional. Hurley v. National Ben Franklin Fire Ins. Co., 46 Ga. App. 515 (167 S. E. 917). (6) The policy in this case was in the name of John Hurley, and no mention was therein made of the interest of his wife in the subject of insurance, and in these circumstances the interest of the husband in the property was not sole and unconditional, and a verdict for the insurance company that the policy was void was demanded. Security Ins. Co. v. Jackson, 43 Ga. App. 13 (158 S. E. 457); Northwestern Fire &c. Ins. Co. v. Bank of Thomasville, 38 Ga. App. 32 (142 S. E. 212). (c) Where a policy of fire insurance contains a condition that the policy shall be void if the property be sold, or the title or possession of the property transferred or changed, a conveyance by a deed to secure a debt is such a change of title or interest as to constitute a breach of such a condition in the policy, and will render the policy void. Phœnix Ins. Co. v. Asberry, 95 Ca. 792 (22 S. E. 717); Athens Mutual Ins. Co. v. Evans, 132 Ga. 703 (64 S. E. 993); Civil Code (1910), § 2484. This is true although the conveyance is only of the equitable interest of the wife. Watts v. Phœnix Ins. Co., 134 Ga. 717 (68 S. E. 479). However, the deed made by the wife being of the entire title to the premises, with the knowledge and consent of the husband, Barnett, the grantee therein, could enforce the same against the property. Georgia Pacific Ry. Co. v. Strickland, 80 Ga. 776 (6 S. E. 27, 12 Am. St. R. 282); Watkins v. Gilmore, 130 Ga. 797 (62 S. E. 32). (d) It follows that the court did not err in directing a verdict for the defendant insurance company, and in overruling plaintiff’s motion for new trial.”
Hnder the pleadings and the evidence it appears that the policy was not voided by the provision contained therein with reference to sole ownership of the insured; and in my opinion the Court of Appeals erred in holding to the contrary.
Lead Opinion
This court is of the opinion that the decision of the Court of Appeals is correct, and that the judgment should be
Affirmed.