Shapiro v. W. Home Ins. Co. of Sioux City
| Decision Date | 04 November 1892 |
| Citation | 51 Minn. 239,53 N.W. 463 |
| Parties | SHAPIRO v WESTERN HOME INS. CO. OF SIOUX CITY. |
| Court | Minnesota Supreme Court |
OPINION TEXT STARTS HERE
(Syllabus by the Court.)
A stipulation in a policy of fire insurance that “in case of loss or damage by fire the assured shall, *** within sixty days, render an account of the loss or damage signed and sworn to, stating,” etc., held a condition precedent to the right of recovery, as well in respect to time as in other respects. Bowlin v. Insurance Co., 31 N. W. Rep. 859,36 Minn. 433, followed.
Appeal from district court, Crow Wing county.
Action by Max Shapiro against the Western Home Insurance Company of Sioux City on a policy of fire insurance. Judgment for defendant. Plaintiff appeals. Affirmed.
Leon E. Lum, for appellant.
H. W. Chase, for respondent.
Action on a policy insuring one Ball against loss by fire on a dwelling house, “the loss, if any, payable to Max Shapiro, mortgagee, as his interest may appear.” It was tried by the court below, and judgment rendered for defendant. The policy contained these provisions: The loss “to be due and payable at its office, in Sioux City, after satisfactory proofs of the same, as required hereinafter, shall have been made by the assured under the conditions and limitations of this policy, and received by the company.” “In case of loss or damage by fire the assured shall, *** within sixty days, render an account of the loss or damage, signed and sworn to, stating,” etc. “It is hereby covenanted and agreed, and it is a part of the consideration for this insurance, that no suit or action on this policy for the recovery of any claim shall be sustainable in any court of law or equity until after all conditions, stipulations, requirements, and provisions of this policy have been complied with, and an award shall have been obtained by arbitration in the manner herein provided, nor unless commenced within six months next ensuing after the fire, exclusive of any time consumed in arbitration.” The only question we need decide is, was the requirement that the account should be rendered within sixty days a condition precedent to the right to recover? The point is fully covered by the decision in Bowlin v. Insurance Co., 36 Minn. 433,31 N. W. Rep. 859, in which such a stipulation was held to be a condition precedent, as well in respect to time as in other respects. That case was decided according to the great weight of authority. See 2 Wood, Ins. § 437; 2 May, Ins. § 465; ...
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