21 S.D. 145 | S.D. | 1906
This action is on an -insurance policy alleged to have been issued by the defendant. On November 21, 1902, the defendant answered the complaint. On March 5, 1903, both parties noticed the cause for trial and filed notes of - issue. Subsequently the plaintiff served notice of motion for leave to file an amended complaint with a copy of the proposed amended pleading. On June 17, 1903, this motion was granted and defendant an
The allegations of the amended complaint are in substance as follows: (1) That the defendant is an insurance corporation existing under and by virtue of the laws of this state; (2) that on June 10, 1902, the defendant, for a valuable consideration, executed and delivered to the plaintiff its policy of insurance, whereby it insured a certain frame barn, then owned by the plaintiff, against loss or damage by fire, lightning, and tornado, to the extent of $350, for the period of three years from and after June 9, 1902; (3) that thereafter, while such policy was in force, on July 31, 1902, the property so insured was entirely destroyed by a tornado; (4) that immediately thereafter, and more than 60 days prior to the commencement of this action, plaintiff gave to the defendant the usual and necessary notice and proof of loss, and that, upon receiving notice of said loss, defendant sent .its adjuster ho examine and adjust said loss, that thereupon defendant waived further proof of loss; and (5) that defendant has wholly failed and refused to pay said loss or any part thereof, and that there is now due and owing to' plaintiff thereon the sum of $365, together with 7 per cent, interest thereon from September 30, 1902. Defendant’s answer denies every allegation of the amended complaint not expressly admitted, expressly admits defendant’s corporate existence, and alleges: “That the policy of insurance issued by this defendant to the plaintiff was issued upon a representation and warranty, on the part of said plaintiff to this defendant, that there was no other insurance upon said property and that said policy contained the following provision and limitation, to-wit: ‘This policy shall be null and void if additional insurance is obtained without the written consent of this company [defendant in this action].’ That,
Numerous rulings on the admission of evidence, tending to prove the issuance of the policy and a waiver of proofs of loss, and certain remarks of the learned circuit judge in connection therewith, are claimed to have been erroneous. If there was any error in these rulings or remarks it was harmless. ■ No testimony was offered by the defendant. From that introduced by the plaintiff, without objection, or to which no valid objection was interposed, it clearly appeared that the policy was issued as alleged; that the insui ed property was damaged by a tornado; that it was owned by the plaintiff when insured and when damaged; and that proof of loss was waived by defendant’s denial of any liability on the ground of unauthorized additional insurance. All the material facts were undisputed. If defendant’s motion for a direction of the verdict was properly overruled there was only one question for the jury, namely, the amount of plaintiff’s damages, and, in the absence of the court’s charge, it will be assumed none-other was submitted. No objection is made to the amount of the verdict, or question raised as to the sufficiency of the evidence to sustain it. Such being the situation, errors, if any were committed with respect to the introduction of testimony touching issues other than the measure of damages and remarks of the court in connection with such ruling, cannot be regarded as prejudicial to any of the defendant’s substantial rights, and the only matter meriting further attention is the overruling of defendant’s motion for a directed verdict.
The grounds of such motion now relied upon relate to additional insurance and construction of the insured property. So far as necessary to an understanding of the questions involved, the policy reads as follows: “The Agricultural Insurance Co. * * * in consideration of the stipulations hereinafter named and $78 of premium does insure Mr. Michael Kennedy * * * against direct
Whether the other ground of defendant’s motion was tenable depends upon whether the barn was insured against loss or damage by tornadoes. Clearly, all the property described in the policy was insured against loss or damage by fire and lightning, and all of it was insured against loss or damage by tornadoes, except as provided in the policy itself. One who relies upon an exception must show that his case falls within the terms of the exception. The rule is well settled that, when an insurance contract is so drawn as to be ambiguous, or to require interpretation, or to be fairly susceptible of two' different constructions, so that reasonably intelligent men on reading the contract would honestly differ as to the meaning thereof, that construction will be adopted w'hich is most favorable to the insured. Imperial Ins. Co. v. County of Coos, 151 U. S. 452, 14 Sup. Ct. 379. Here the exception was “buildings provided with board roofs.” The roof of plaintiff’s barn was in part “board” and in part “shingled.” It was so described in the written contract consisting of the policy and application. All the property by the general terms of the policy was insured against loss or damage by tornadoes. The exception was buildings provided with board roofs, not buildings provided in whole or in part with board roofs. Therefore, plaintiffs building, not being within the terms of the exception, was insured against tornadoes, and defendant’s motion for a directed verdict was properly over