617 F.2d 509 (8th Cir. 1980), 79-1677, Duke v. Hartford Fire Ins. Co.

Docket Nº:79-1677.
Citation:617 F.2d 509
Party Name:Ronald C. DUKE, Appellant, v. HARTFORD FIRE INSURANCE COMPANY, Appellee.
Case Date:March 21, 1980
Court:United States Courts of Appeals, Court of Appeals for the Eighth Circuit

Page 509

617 F.2d 509 (8th Cir. 1980)

Ronald C. DUKE, Appellant,



No. 79-1677.

United States Court of Appeals, Eighth Circuit

March 21, 1980

Submitted March 10, 1980.

Cliff Jackson, Solloway & Jackson, Little Rock, Ark., for appellant.

William H. Sutton, Friday, Eldredge & Clark, Little Rock, Ark., for appellee; Donald H. Bacon and Overton S. Anderson, Little Rock, Ark., on brief.

Before BRIGHT, ROSS and McMILLIAN, Circuit Judges.


A fire occurring on December 24, 1974, destroyed plaintiff-appellant Ronald Duke's Garland County, Arkansas, home. Duke subsequently brought this suit to recover under a fire insurance policy issued by defendant-appellee Hartford Fire Insurance Company (Hartford). Hartford admitted that the policy was in effect and applied to

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the fire in question. Hartford denied liability, however, and defended on the grounds that Duke or his agent intentionally burned the dwelling, and that certain false statements made by Duke voided the policy.

At trial, Duke admitted to making misrepresentations to Hartford during the course of its investigation of the fire. Duke's admitted misrepresentations included, inter alia, statements to Hartford that he had no knowledge of the cause and origin of the fire, that he was on a trip to Oklahoma at the time of the fire, and that he had neither suffered burns nor received medical treatment for burns around the time of the fire.

Duke's fire insurance policy contained the following provision:

Concealment, fraud. This entire policy shall be void if, whether before or after a loss, the insured has willfully concealed or misrepresented any material fact or circumstance concerning this insurance or the subject thereof, or the interest of the insured therein, or in case of any fraud or false swearing by the insured relating thereto.

The district court determined that Duke's admitted misrepresentations fell within this provision of the fire insurance policy. Accordingly, the court granted Hartford's...

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