The Nappanee Furniture Company v. The Vernon Insurance Company

Citation37 N.E. 1064,10 Ind.App. 319
Decision Date22 June 1894
Docket Number1,159
PartiesTHE NAPPANEE FURNITURE COMPANY v. THE VERNON INSURANCE COMPANY
CourtCourt of Appeals of Indiana

From the Elkhart Circuit Court.

Judgment affirmed.

J. D Osborne and A. S. Zook, for appellant.

F. M Finch, J. A. Finch, F. E. Baker and C. W. Miller, for appellee.

OPINION

DAVIS J.

This case comes before this court upon an amended complaint filed by the appellant against the appellee, and upon a motion of the appellee to strike from the amended complaint certain allegations, which motion was sustained by the court below.

The complaint in this case was upon a policy of insurance issued by the appellee to the appellant, insuring it upon certain property. The written portion of the policy described the insurance granted as follows:

"In consideration of thirty dollars agrees to indemnify Nappanee Furniture Company to the amount of one thousand dollars.

"NAPPANEE FURNITURE COMPANY.

"$ 400 on their two story brick, slate roof building, and one story brick, metal roof, engine and boiler house attached, and brick and iron stack, situate on the east side of south Madison street, Nappanee, Indiana.

"$ 20 on engines and boilers, including connections and pumps.

"$ 233.33 1/3 on their machinery, fixed and movable, including belts, pulleys, gearing, shafting, hangers, gas, water, and steam pipes, glue pots, presses, working benches, patterns, machine bits, clamps, tressels, tools, elevator and fixtures, including the cost of resetting the same.

"$ 33.33 1/3 on blowers, dust separators, piping and connections.

"$ 213.33 1/3 on stock of furniture finished and unfinished and in process of manufacture, including hardware and other materials used in the manufacture of the same; all while contained in said above described buildings.

"$ 53.33 1/3 on their one story frame, metal roof dry kiln attached.

"$ 46.66 2/3 on their dry kiln apparatus, including lumber therein.

"$ 14,000 additional concurrent insurance allowed.

"Permission granted assured to erect a brick veneered building to be used for warehouse and finishing room, to be located fifteen feet from factory, and to be insured under this policy."

On motion of appellee, the following parts of the complaint were stricken out: "That at and before the issuing of said policy, the plaintiff contemplated building an addition to its manufacturing plant referred to in the policy, by erecting near thereto a brick veneered building to be used as a warehouse and finishing room, of which intention and contemplated building the said agent was informed before the policy was issued, and thereupon the defendant inserted in its said policy a building permit for the erection of said building, and for the insurance thereof during its construction against loss or damage by fire, and thereby did agree to insure the said building during the process of its construction to the amount of not to exceed one thousand dollars, against loss or damage by fire, in and by the following stipulation contained in said policy, viz: Permission granted assured to erect a brick veneered building, to be used for warehouse and finishing room, to be located fifteen feet from the factory, and to be insured under this policy,' and thereafter the plaintiff did proceed to erect and construct the said brick veneered building, and during the process of its erection, and before its completion on the 11th day of July, 1892, while said policy was in full force and effect, the said building was totally destroyed by fire, without the fault or negligence of the plaintiff, and was then of the value of two thousand dollars, and the loss and damage occasioned thereto by said fire was two thousand dollars."

Also: "Before said fire, the building was so far completed as that it was, and had been for some time, occupied and used as such warehouse and finishing room, and the plaintiff relying upon the fact that it was so insured did not procure other and further insurance thereon."

The ruling on the motion to strike out is the basis of the only error assigned in this court.

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1 cases
  • Nappanee Furniture Co. v. Vernon Ins. Co.
    • United States
    • Court of Appeals of Indiana
    • June 22, 1894
    ......M. Vanfleet, Judge.        Action by the Nappanee Furniture Company against the Vernon Insurance Company. From a judgment for defendant, plaintiff appeals. ......

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