Minneapolis Fire & Marine Mutual Ins. Co. v. Fultz
Decision Date | 16 April 1904 |
Citation | 80 S.W. 576,72 Ark. 365 |
Parties | MINNEAPOLIS FIRE & MARINE MUTUAL INS. CO. v. FULTZ |
Court | Arkansas Supreme Court |
Appeal from Ouachita Circuit Court, CHARLES W. SMITH, Judge.
Affirmed.
Judgment affirmed.
Dodge Johnson, Carroll & Pemberton, Cantrell & Loughborough, for appellants.
There was no denial of liability. 60 Miss. 302. There was no waiver of proof of loss. 83 Tex. 113; 75 Wis. 198; 106 Mich. 204; 134 Pa. 570; 60 Mo. 673; 66 Pa. 9; 40 Pa. 311; 40 Mo.App 276; 101 Ill. 621; 8 Bosw. 503; 40 Pa. 324; 2 Pet. 53; 67 Ark. 589. The fact that plaintiff's attorney was not at home is no excuse for his failure to furnish proof of loss. 22 Ind. 73; 25 La.Ann. 353; 10 Hun. 593; Ostr. Ins. § 230; 23 Or. 576; 10 F. 347.
Smead & Powell, Gaughan & Sifford, for appellee.
Objections to proof of loss must be made in a reasonable time. Ostr Ins. 224. The objections to proof of loss should have been specific. 13 Am. & Eng. Law (2d Ed.), 339; 53 Ark. 494; 40 S.W. 831; 176 Pa.St. 579; 72 Ia. 176. If the only difference was the value or quantity of property, defects in the proofs are waived. 31 Conn. 194; 62 Mo.App. 520. No proof of loss was required. 10 So. Dak. 271; 35 L. R. A. 227; 3 L. R. A. 21.
On the 14th day of June, 1899, the Minneapolis Fire & Marine Mutual Insurance Company, in consideration of the sum of $ 68.75 received by it, insured D. W. Fultz, for the term of one year from the 19th day of June, 1899, against all direct loss or damage by fire, for an amount not exceeding $ 2,500, to a certain frame building in the town of Bearden, in this state, and certain household furniture and utensils--$ 2,000 on the building and $ 500 on the other property. On the 2d day of March, 1900, the property insured was totally destroyed by fire. On the 10th day of October, 1900, Fultz sued the insurance company on its policy of fire insurance for the $ 2,500. The defendant denied plaintiff's right to recover because he failed to comply with the following condition contained in the policy:
The plaintiff recovered judgment for the $ 2,500, and the defendant appealed.
The issues in the case were tried by the court sitting as a jury. Evidence was adduced tending to prove the following facts: The house, furniture and utensils were insured by the appellant for the time and amount stated. The property insured was totally destroyed by fire on the 2d day of March, 1900. On the 13th day of March, 1900, appellee sent the following statement or notice to the appellant:
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