128 Mo. App. 18 | Mo. Ct. App. | 1907
House No. 3951 Pine street, in the city of St. Louis, is what is known as a flat house. It contains four flats, two on the first and two on the upper floor, each one of which is separated from all the others by unbroken walls. The building fronts south on Pine street and has a cellar or basement under the entire structure, with granitoid floor. The basement is partitioned off by open slat work into divers rooms. Four of these rooms are fitted up and used by the tenants for laundry rooms and were severally allotted to the four families occupying the building. We append hereto a plat or diagram of the basement.
Defendant is a New York insurance corporation, and on June 7, 1904, in consideration of a premium of ten dollars paid, issued to plaintiff its policy of insurance insuring plaintiff against loss by “burglary, theft or larceny” of his and his family’s wearing apparel, household goods and jewelry, in the sum of eight hundred dollars, for a period of one year. In July, 1904, plaintiff and his wife packed their winter clothing and some lace curtains in three trunks, locked them, and for want of room in the flat proper stored the trunks in the laundry. About August fifteenth following, some person or persons unknown entered the basement, forced the door to plaintiff’s. laundry, broke open the trunks and took, stole and carried away the wearing apparel of plaintiff and his wife and the window curtains, all valued by plaintiff at over nine hundred dollars. The stolen goods were never recovered. Plaintiff gave notice of the loss to defendant company and made proofs of loss as required by the stipulations in the policy. Defendant, relying upon clause C in the policy as limiting its liability, under-the circumstances, to fifty dollars, offered to pay plaintiff that sum but no more. Plaintiff refused to accept the fifty dollars in discharge of the policy and brought this suit. Clause C is as follows:
■ “If the assured is the occupant of an apartment in an apartment or flat house this insurance covers goods in a locked store room provided for the exclusive*22 use of the assured by the landlord in the same house to the extent of fifty dollars and no more.”
The issues were submitted to the court, sitting as a jury, who at the close of the evidence gave the following declaration of law at the instance of defendant:
“The court declares the law to be that if it finds from the evidence that the property mentioned in the testimony was burglariously taken, and that at the time of said taking the same was in a locked storeroom provided for the exclusive use of the assured by the landlord in the same house, then the plaintiff is only entitled to recover the value of said property to the extent of fifty dollars, and no more.”
The court refused all declarations of law asked by plaintiff and rendered judgment in plaintiff’s favor for only fifty dollars. Plaintiff appealed.
1. The policy is a printed instrument with convenient blanks prepared and furnished by the company. Four printed pages of this instrument are devoted to exceptions to and limitations of the company’s liability in case of loss. However, clause C is the only one of these limitations which it is claimed has any application to the facts in the case in hand. This clause clearly indicates that where a store room is provided in an apartment or flat house for the convenience and use of the tenant, the risk of loss by burglary and theft is thereby greatly increased; and the clause cannot be accounted for upon any other theory than that the company knew or believed this class of houses were ordinarily provided with store rooms and that professional burglars and thieAres are cognizant of the fact and usually, on entering one of these houses for the purpose of theft, first try the store room in the expectation of finding stored therein valuable goods and Avares of the tenant. The store room contemplated by clause C, we think,f is a room in an apartment or flat house set apart and having conveniences such as shelves, hooks, etc., for storage purposes
2. The declarations of laAV asked by plaintiff are in the nature of a charge, are comments on the evidence and AArere therefore properly refused. A plain, concise declaration of law. that defendant’s liability is not limited by clause C of the policy, and declarations covering the issues in respect to the loss and the value of the goods stolen Avill comprehend all the issues made by plaintiff.
Judgment reversed and cause remanded.